Medicare Supplement Insurance in Louisiana

Medicare beneficiaries in Louisiana have several Medicare plan options, including Medicare Supplement Insurance (also called Medigap), which can help provide coverage for many of the out-of-pocket expenses that come along with Medicare Part A and Part B.

These costs can include Medicare deductibles, copayments, coinsurance and more, some of which may be covered by a Medicare Supplement Insurance plan.  

Louisiana Medigap plans

There are up to 10 different Medicare Supplement Insurance plans available in Louisiana, and each one offers its own standardized set of benefits. Each plan is labeled with a letter for easy identification: Plan A, B, C, D, F, G, K, L, M and N.

At the end of 2016, more than 141,000 people in Louisiana were enrolled in a Medicare Supplement Insurance plan.¹ That figure accounted for around 25 percent of all Original Medicare beneficiaries in the state.²

As is the case in most states, Plan F was the most popular plan in Louisiana as of 2016, accounting for about 68 percent of all Louisiana Medicare Supplement Insurance enrollees.¹ Plan F offers coverage for all nine standardized Medigap benefits.

The benefits that you might find in a Medicare Supplement Insurance Plan F in Louisiana include coverage for:

• Medicare Part A coinsurance
• Medicare Part B coinsurance
• Medicare Part A deductible
• Medicare Part B deductible
• Medicare Part B excess charges
• First three pints of blood needed for a transfusion
• Skilled nursing facility coinsurance
• Hospice care coinsurance
• Emergency care received outside the U.S.

Please visit MedicareSupplement.com to learn more about your Medigap plan options in Louisiana.

Louisiana Medicare Supplement Insurance plans vs. Medicare Advantage plans

Medicare beneficiaries in Louisiana have the option to enroll in either a Medicare Advantage or Medicare Supplement Insurance plan.

While a Medicare Supplement Insurance plan works alongside Original Medicare coverage, a Medicare Advantage plan (Medicare Part C) works as an alternative option to Original Medicare.

Medicare Supplement Insurance and Medicare Advantage plans are very different. You may not have a Medicare Supplement Insurance plan and a Medicare Advantage plan at the same time.

Medicare Advantage plans provide the same benefits as Original Medicare, and some plans may offer some additional benefits such as:

• Prescription drug coverage
• Dental benefits
• Vision coverage
• Hearing benefits

Starting in 2019, Medicare Advantage plans may offer even more additional benefits, such as grab bars for home bathrooms and meal delivery.

To learn more about Medicare Advantage plan options in Louisiana or wherever you live, speak with a licensed insurance agent today by calling 1-862-286-9564 1-862-286-9564 TTY Users: 711 24 hours a day, 7 days a week.

¹ AHIP. State of Medigap 2018 Trends in Enrollment and Demographics. (June 2018). Retrieved from https://www.ahip.org/wp-content/uploads/2018/06/State_of_Medigap18_FINAL.pdf.

² Centers for Medicare & Medicaid Services. Total Medicare Enrollment: Total, Original Medicare, and Medicare Advantage and Other Health Plan Enrollment and Resident Population, by Area of Residence, Calendar Year 2016. Retrieved from https://www.cms.gov/Research-Statistics-Data-and-Systems/Statistics-Trends-and-Reports/CMSProgramStatistics/2016/Downloads/MDCR_ENROLL_AB/2016_CPS_MDCR_ENROLL_AB_2.pdf