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Telehealth Insurance in Louisiana

Louisiana requires licensing boards to provide for licensure or registration of out-of-state providers treating patients at Louisiana originating sites, without changing each profession’s scope. Ordinarily, controlled dangerous substances require an appropriate in-person patient history or physical exam, but a separate statute creates a limited route for an unrestricted physician treating a patient at a state-licensed, DEA-registered facility. Neither route determines liability-policy coverage. 1,2,3

What Is Virtual Care And Telehealth?

Telehealth liability can cover claims arising from remote health care, such as a video visit or remote monitoring. If you provide care online, match the quote to your clinicians, services and patient locations; cyber and in-person risks need separate review. Read the national Virtual care and telehealth guide.

What to Watch for in Louisiana

  • Out-Of-State Providers Need Board Authorization

    Louisiana directs each healthcare licensing board to require licensure or registration for out-of-state providers serving patients at Louisiana originating sites, with good-standing and comparable-license conditions. Ask the broker to confirm each provider’s professional class, Louisiana authorization, and covered practice entity. 1,3

  • Controlled-Substance Rule Has A Narrow Exception

    The general statute bars controlled-dangerous-substance prescriptions before an appropriate in-person history or physical exam unless another law or board rule authorizes the service. The facility exception is limited to an unrestricted physician treating a patient at a Louisiana-licensed facility that holds current DEA registration. Ask whether your insured practice and service locations match that exact class before relying on it. 1,2

  • Audio And Follow-Up Still Need Clinical Support

    A provider may use interactive audio without video only after reviewing medical records and determining the in-person standard can be met; the rule also requires referral or local follow-up as necessary and a record available to the regulator. Ask your broker to confirm audio-only services and the responsible entity are described in the liability application. 1

Who Regulates Insurance in Louisiana

Louisiana Department of Insurance

The Louisiana Department of Insurance licenses producers and insurers, reviews insurance filings, and investigates complaints about insurance companies and agents. You can use its state lookup or complaint service to check a license or raise an insurance issue. 4,5,6

Surplus-lines tax and stamping office

Reported tax rate: 4.85% of gross premium plus a 0.175% SLIP+ transaction fee for policies effective on or after July 1, 2026 For Louisiana-home-state policies effective on or after July 1, 2026, the state charges 4.85% of gross premium plus a 0.175% SLIP+ transaction fee, which your broker may add to your bill. Louisiana's required policy disclosure says these policies are not covered by the Louisiana Insurance Guaranty Association; state placement and filing rules still apply. 7,8

Providers With Documented State Licenses

No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. Check the regulator’s license lookup and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in Louisiana

  1. Does our policy include Louisiana-licensed and registered remote clinicians and the entity that employs or contracts with them?
  2. Do our controlled-substance services occur only within the specific Louisiana statutory route that applies to the clinician and facility?
  3. Does the policy schedule identify interactive-audio-only care and Louisiana patient locations?

Virtual Care And Telehealth in Louisiana: FAQ

Can an out-of-state provider treat a Louisiana patient by telehealth without Louisiana authorization? 1

Generally no. Louisiana requires the relevant licensing agency or board to provide for out-of-state licensure or registration, with an exception for consultation between a Louisiana-licensed provider and an out-of-state peer. 1

Can a Louisiana physician prescribe controlled dangerous substances by telehealth without an in-person exam? 1,2

Only under an applicable exception. One statute permits this for an unrestricted physician treating a patient at a Louisiana-licensed healthcare facility with current DEA registration; other board rules may also authorize exceptions. 1,2

Virtual Care And Telehealth in Other States

Other Coverage in Louisiana

Sources

  1. Louisiana Revised Statutes §40:1223.4, Telehealth; rulemaking required. Louisiana State Legislature; §40:1223.4(B)(2)–(8), out-of-state registration, exam and prescribing rules, audio-only, records; Acts 2023 No. 322 effective Jan. 1, 2024. Accessed 2026-09-28.
  2. Louisiana Revised Statutes §37:1271.1, Physician utilization of telehealth in licensed healthcare facilities. Louisiana State Legislature; §37:1271.1(A), physician and DEA-registered licensed-facility scope; Acts 2023 No. 322 effective Jan. 1, 2024. Accessed 2026-09-28.
  3. Louisiana Revised Statutes §40:1223.3, Definitions. Louisiana State Legislature; §40:1223.3(2)–(6), originating site, provider, telehealth and behavioral health class. Accessed 2026-09-28.
  4. Louisiana Department of Insurance. Louisiana Department of Insurance; Homepage and consumer services. Accessed 2026-09-28.
  5. Insurance License Lookup. Louisiana Department of Insurance; State-designated producer/company search. Accessed 2026-09-28.
  6. File an Insurance Complaint. Louisiana Department of Insurance; State complaint process and contact. Accessed 2026-09-28.
  7. Surplus Lines Premium Tax. Louisiana Department of Insurance; Current tax/transaction fee and July 1, 2026 transition. Accessed 2026-09-28.
  8. La. R.S. 22:433. Louisiana Legislature; Required policy disclosure; no LIGA protection. Accessed 2026-09-28.
  9. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  10. Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
  11. Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
  12. About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
  13. Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
  14. Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
  15. Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

Updated .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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