Louisiana seniors can choose from any of the 28 companies selling Medicare Supplement insurance. Medicare plans help you pay the portion of Part A and Part B that Original Medicare does not cover. Commonly called Medigap plans, because they cover the gaps, you can choose the level of deductible, copayment and coinsurance coverage you want.
What You Must Know about Medicare Supplements in Louisiana
If you’re not familiar with Louisiana Medicare Supplement insurance, and how it protects you from massive doctor and hospital bills, read our Medicare Supplement information page. It’s important to know that all lettered plans are standardized, but the monthly premiums are not. We offer a complete overview of all Louisiana Medigap plans and their benefits.
Medicare Supplements vs. Medicare Advantage
Comprehensive Medicare Supplements are expensive and premiums are going up. If you can afford a supplement it’s the best choice. If not, there’s Medicare Advantage. When you enroll in a Louisiana Medicare Advantage (MA) plan your healthcare is covered through private insurance.
The big advantage offered by these plans are additional benefits, such as prescriptions, dental, vision and hearing, and the monthly premiums. However, which these advantages come some restrictions. Most importantly, choice of doctors.
The important thing to know about every Medicare Advantage plan is that they limit your Maximum Out-of-Pocket (MOOP) expense to a maximum of $6,700 per year. That makes them worth comparing to Medicare Supplements. We have the complete catalog of 2018 Medicare Advantage Plans available in Louisiana.
Louisiana Medicare Part D Plans (Rx)
A Louisiana Medicare Supplement does not cover your prescription drugs. For this you need a Medicare Part D Plan (PDP). You can review the complete list of 2018 Medicare Part D Plans in Louisiana.
Medicare Supplement Eligability
You can apply for a Louisiana Medicare Supplement if you are:
- A Louisiana resident,
- Enrolled in both Medicare Part A and Part B, and
- You are 65 years old or older.
Supplemental plans are available in the following counties: Jefferson, Saint Charles, Saint Bernard, Plaquemines, St John The Baptist, Saint James, Orleans, Lafourche, Assumption, Saint Mary, Terrebonne, Ascension, Tangipahoa, Saint Tammany, Washington, Saint Helena, Livingston, Lafayette, Vermilion, Saint Landry, Iberia, Evangeline, Acadia, Saint Martin, Jefferson Davis, Calcasieu, Cameron, Beauregard, Allen, Vernon, East Baton Rouge, West Baton Rouge, West Feliciana, Pointe Coupee, Iberville, East Feliciana, Bienville, Natchitoches, Claiborne, Caddo, Bossier, Webster, Red River, De Soto, Sabine, Ouachita, Richland, Franklin, Morehouse, Union, Jackson, Lincoln, Madison, West Carroll, East Carroll, Rapides, Concordia, Avoyelles, Catahoula, La Salle, Tensas, Winn, Grant, Caldwell, and most rural areas of Louisiana.
Rates shown are samples from within Louisiana for comparison purposes only. This page was last updated on 9/24/2017.