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Best Medicare Plans in Louisiana

If you are approaching age 65, or you’ve been on Medicare for years, now is the right time to learn about Medicare in Louisiana. That’s because if you do not enroll in Medicare Part A and/or Part B during the Initial Medicare Enrollment Period, you will have to pay several penalties. Beneficiaries can begin to enroll in some of the best Medicare plans in Louisiana three months before the month in which they turn 65. If you are already 65, you don’t have to worry because you have three months after your birth month to enroll in the program.

Original Medicare insurance contains Part A, Part B and Part D. The benefits you will receive under Part A include hospital coverage, and under Part B, you will receive your medical insurance. You also have the option of accepting your Louisiana Medicare benefits through Medicare Advantage. This is just another way for Louisiana beneficiaries to obtain their Medicare Part A and Medicare Part B benefits. Medicare Advantage is also known as “Medicare Part C.”

Enrollment Statistics for Medicare in Louisiana

In 2018, there were 549,629 Louisiana residents enrolled in Original Medicare Part A and Part B.

Best Types of Medicare Plans in Louisiana

There are four basic Medicare plans in Louisiana, and they include the following:

  • Medicare Supplement Plans in Louisiana: Medicare supplement insurance plans are also called “Medigap plans” because they fill the gap that your Original Medicare insurance leaves behind for you to pay. There are several Medicare plans in Louisiana that offer you varying degrees of supplemental coverage, and you can purchase them from a private insurance company. Before beneficiaries in Louisiana can buy one of these plans, you have to have your Part A and Part B coverage in place.
  • Medicare Advantage Plans in Louisiana: You will also purchase Medicare Advantage Plans from a private insurance company, and you will have many options. For example, you may choose to accept your Louisiana benefits from a Health Maintenance Organization (HMO) or a Preferred Provider Organization (PPO). You can also obtain them through Private Fee-for-Service, Special Needs or Medical Medicare Savings Account Plans. These plans may give you coverage for services that are not covered under Medicare in Louisiana, including vision, hearing, dental, and health, and wellness benefits.
  • Medicare Prescription Drug Plans: Beneficiaries are also entitled to prescription drug coverage through Medicare prescription drug plans. These plans are also called “Medicare Part D.” If you fail to purchase a prescription drug plan during the initial enrollment period, you may have to pay the Medicare Part D late enrollment penalty when you obtain prescription drug coverage later.
  • Special Needs Plans: Beneficiaries in Louisiana with qualifying medical conditions or particular characteristics may be able to purchase a special needs plan. These plans will be tailored to fulfill your specific needs if you qualify for them. For example, doctors you need to see for your condition will be covered under the plan. The formularies that contain the prescription drugs that treat your condition will also be covered.

If you plan to supplement your Louisiana Medicare benefits or purchase an Advantage plan, the best thing that you can do is compare the rates that several private insurance companies offer you. When you compare rates, you will find that some Louisiana Medicare insurance companies will offer you high rates, but others will offer you lower rates for the same amount of coverage. The best choice is the insurance company that offers you the most coverage for the lowest price.

Louisiana Medicare insurance: Compare the rates you receive for the following:

  • Deductibles
  • Coinsurance
  • Copays
  • Premiums

There can only be one beneficiary to every plan, so when you are looking for Medicare plans in Louisiana for yourself and your spouse, you will have to purchase separate policies. If you or your spouse paid Medicare taxes while you were working, you will not be charged a premium for your part A coverage, but your Part B coverage does require that you pay premiums.

Medicare in Louisiana Resources

If you are prepared to apply for Medicare in Louisiana, you may do so directly on the Social Security website. There are other links listed here that can give you a little bit of extra help and information — such as a complete description of benefits — about the Medicare program.

Social Security

www.medicare.gov

CMS: Centers for Medicare and Medicaid Services

Louisiana Senior Health Insurance Information Program

After your Medicare enrollment, you could still be worried about your healthcare costs. There are additional insurance plans that you can look into to Supplement or use instead of your standard Medicare coverage to reduce out of pocket costs.

From stand-alone Advantage health plans to Supplement plans, Medicare beneficiaries have many options.  There are also Part D prescription drug plans that can save you money. We’re here to tell you about your plan options and help you pick the plan, monthly premium and company with top star ratings that is right for you. Give us a call today, and talk to one of our licensed insurance agents to get started!

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