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Medicare Supplement Plans in Louisiana

For many residents receiving Social Security benefits, Medicare Supplement plans in Louisiana provide extra help in covering out-of-pocket health care expenses. These out-of-pocket costs include coinsurance, copayments, and deductibles.

Most Louisianans file for Medicare when they turn 65. Younger individuals can qualify for Social Security and Medicare benefits if they’re disabled, have ALS, or end-stage renal disease. Louisiana requires insurers to provide supplemental insurance coverage to these younger beneficiaries. However, the premiums for Medicare Supplement plans in Louisiana are much higher for this younger age group.

What is the best Medicare Supplement plan in Louisiana?

Each Medicare Supplement insurance plan in Louisiana offers a different benefit package. Here’s how the top five compare:

1. Best full coverage: Plan F

  • Plan F covers everything: Part A deductible, Part B deductible, coinsurance, copays
  • Enrollment only open for beneficiaries eligible for Medicare before Jan. 1, 2020

2. Best comprehensive coverage: Plan G

  • Plan G pays everything except Part B deductible
  • Cheaper than Plan F
  • Most popular for beneficiaries whose eligibility for Medicare coverage starts after Jan. 1, 2020

3. Best value: Plan N

  • Lower premiums in exchange for more cost-share
  • Has $20 office visit copay and $50 ER copay
  • ER copay waived if admitted
  • Pays all Part B coinsurance after meeting copays
  • Does not pay Part B deductible or Part B excess charges

4. Best deductible based: High Deductible Plan F

  • Annual deductible
  • Lower premiums than Medicare Plan F in exchange for higher cost-share
  • Same coverage as Plan F
  • Must have Original Medicare start date before Jan. 1, 2020
  • In 2022, the deductible is $2,490. The plan will cover 100% of the costs after the deductible is met.

5. Best for lowest premiums: High Deductible Plan G

  • Same coverage as Medicare Plan G
  • Annual deductible
  • Cheaper than High Deductible Plan F
  • In 2022, the deductible is $2,490. The plan will cover 100% of the costs after the deductible is met.

How much does a Medicare Supplement plan in Louisiana cost?

Age and demographics affect the cost of your Medigap insurance. Here’s a cost comparison for a 65-year-old female who does not smoke living in Baton Rouge, zip code 73806

Average cost: $130

65-Year Old Female Non-Tobacco
Plan Type Premium Range
Plan F$133-$235
Plan G$102-$140
Plan N$91-$171

When Can I Enroll in a Medicare Supplement Plan?

Your Medigap Open Enrollment Period begins when you meet two conditions:

  • You turn 65
  • You enroll in Medicare Part B

By joining during open enrollment, you have guaranteed issue rights:

  • The insurer must accept your application.
  • The insurer must cover pre-existing conditions.
  • The insurer cannot require medical underwriting.

If you enroll outside of your OEP, the insurance company can require underwriting, charge higher rates due to health condition, or deny coverage altogether.

There are special situations when Medicare beneficiaries have guaranteed issue rights, including when:

  • Your carrier discontinues coverage in your area.
  • Your group insurance through an employer ends.
  • You move out of the plan’s service area.

Our agents can help you determine whether your situation qualifies for guaranteed rights.

Be aware that there is no annual enrollment period with Medicare Supplement insurance plans in Louisiana like there is with Medicare Advantage and Medicare Part D plans. The effective date of your Medigap insurance is 30 days after you enroll.

What Companies Sell Medigap Plans in Louisiana?

Many private insurance companies sell Medigap policies in Louisiana. Here are a few that have strong financial strength according to Standard & Poor’s:

  • Aetna: A+
  • Cigna: A
  • Mutual of Omaha: A+

Related Topics

Ready To Learn More?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as Aetna, Cigna and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Louisiana Medicare Resources

Louisiana Enrollment Statistics

  • The five largest counties in Louisiana are Plaquemines Parish, St. Bernard Parish, Terrebonne Parish, Cameron Parish and Vermilion Parish.
  • There were more than 850,000 Louisiana Medicare beneficiaries in 2018. Approximately 300,000 of those beneficiaries were enrolled in Medicare Advantage or Medigap policies.
  • In 2016, there were more than 140,000 people subscribed to Medicare Supplement insurance plans in Louisiana.
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