Medicare Advantage in Louisiana

Looking for Louisiana Medicare Advantage Plans? Enter your ZIP below to compare affordable or $0 premium plans in your area.

Louisiana state

Information about Medicare Advantage Plans in Louisiana

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There are 67 different Louisiana Medicare Advantage plans available in 2022.1

A licensed insurance agent can help you compare the availability, benefits and costs of Medicare Advantage plans in your area of Louisiana, because not every plan is available in each county.

Read below to learn more about Medicare in your state.

Average costs of Medicare Advantage in Louisiana

The average Medicare Advantage plan premium in Louisiana in 2022 is $56.73 per month, though you may be able to find Medicare Advantage plans in your part of Louisiana that offer $0 premiums.

  • Average in-network out-of-pocket spending limit: $6,192.24
  • Average deductible (weighted): $324.982

The premiums, deductibles and out-of-pocket costs for Louisiana Medicare plans near you may vary. A licensed insurance agent can help you compare Medicare Advantage plan costs in your area.

Compare Louisiana Medicare Advantage plan costs

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Medicare Eligibility & Enrollment

You may not sign up for a Medicare Advantage plan in Louisiana without first enrolling in Medicare Part A and Part B, also known together as Original Medicare.

To be eligible for Original Medicare at age 65, you must:

  • Be a U.S. citizen or permanent legal resident who has lived in the U.S. for five continuous years

  • Be eligible for Social Security or Railroad Retirement benefits (or your spouse must be eligible)

  • Be a government employee or retiree who has paid Medicare payroll taxes (or your spouse must meet this qualification)

You may also be eligible for Medicare benefits under 65 if:

  • You have been receiving Social Security disability benefits or certain Railroad Retirement Board disability benefits for at least 24 months.

  • You have ALS (amyotrophic lateral sclerosis, also known as Lou Gehrig's disease).

  • You have End-Stage Renal Disease (ESRD), and you or your spouse have paid Social Security taxes for a certain length of time.

If you have ESRD, you may not qualify for most Medicare Advantage plans. You may, however, be able to enroll in a Louisiana Medicare Special Needs Plan (SNP).

How to sign up for a Medicare Advantage Plan in Louisiana

The first time you typically can enroll in a Louisiana Medicare Part C plan is during your Medicare Initial Enrollment Period (IEP).

Medicare Initial Enrollment Period graphic

Your Medicare IEP begins three months before your 65th birthday, includes the month of your birthday and continues on for three more months.

If you do not enroll in Medicare Advantage during your IEP, you will have to wait for one of the following Medicare enrollment periods:

Medicare Advantage Open Enrollment Period graphic

Medicare Advantage Open Enrollment Period: January 1 – March 31

Medicare Advantage open enrollment lasts from January 1 to March 31 every year. During this period, you may switch Medicare Advantage plans or drop your Medicare Advantage plan and return to Original Medicare.

If you return to Original Medicare during this period, you'll also be able to enroll in a Medicare prescription drug plan (Medicare Part D).

Medicare open enrollment graphic

Medicare Annual Enrollment Period (AEP): October 15 – December 7

From October 15 to December 7 every year, you may enroll in a Medicare Advantage plan or switch from one Medicare Advantage plan to another.

During AEP, you may also drop your existing Medicare Advantage plan and return to Original Medicare.

You may also join, switch or drop a Medicare Part D plan during AEP. 

Medicare Special Enrollment Periods (SEP)

A Medicare Special Enrollment Period (SEP) could potentially be granted to you at any time throughout the year if you have a specific qualifying circumstance.

A licensed Louisiana insurance agent can help you find out if you qualify for a Medicare Special Enrollment Period.

Find $0 premium Louisiana Medicare Advantage plans today

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Or call TTY Users: 711 to speak with a licensed insurance agent. We accept calls 24/7!

Top-rated Medicare Advantage Plans in Louisiana 2022

The Centers for Medicare & Medicaid Services (CMS) issues Star Ratings every year, using a system of one to five stars.3

The Star Ratings show how each Medicare Advantage plan rates across several key areas.

Plans are re-evaluated annually, so a plan’s ratings can change from year to year.

For a Medicare Advantage plan to be considered a top-rated plan, it must have four or more stars out of five stars.

Over 46% of 2022 Medicare Advantage plans in Louisiana are rated four stars or higher.2

Medicare Star Ratings
Star Ratings

★★★★★

Excellent

★★★★

Above Average

★★★

Average

★★

Below Average

Poor

Medicare Advantage plans are rated in the following five categories:

  • Preventive care and health maintenance (screenings, tests, vaccines, etc.)
  • Management of chronic conditions
  • Member experiences and ratings of the plan
  • Member complaints, member retention and plan performance
  • Customer service

The information for the star ratings is gathered from member surveys, information that is submitted to Medicare and Medicare’s regular monitoring activities.

List of LA Medicare Advantage Plans in 2022

To view a list of plans offered where you live in Louisiana, use our plan comparison tool.

Find $0 premium Louisiana Medicare Advantage plans today

Compare Plans

Or call TTY Users: 711 to speak with a licensed insurance agent. We accept calls 24/7!

Private insurance companies offer Medicare Advantage plans in Louisiana

There are multiple insurance carriers that may offer Medicare Advantage plans in Louisiana, though they may not offer plans where you live.

Private insurance companies offer Medicare Advantage plans that may be unique to the plan area they serve.

A licensed insurance agent can help you compare the Medicare Advantage plans that are sold by insurance companies in your area.

Choosing between Medicare Advantage insurance carriers in Louisiana may not be easy, but there are a few resources that can help in your decision:

  • Each year's Medicare Star Ratings can give you an idea of a plan’s overall quality.

  • Agencies like A.M. Best, Moody’s and Standard & Poor’s provide information about the credit ratings and financial standing for different insurance companies.

  • Websites such as the Better Business Bureau and Consumer Reports can teach you about a company’s reputation among its customers.

  • You can read through Medicare Advantage plan reviews and testimonials from customers.

LA Medicare Advantage enrollees by plan type

The major types of Medicare Advantage plans include:

  • HMO
    Health Maintenance Organization (HMO) usually requires you to visit doctors and other providers that are in your plan network (except in the case of emergencies). HMO plans also typically requre a referral from a primary care doctor in order to see a specialist.

  • PPO
    Medicare Advantage beneficiaries in a Preferred Provider Organization (PPO) can usually see providers outside of their plan’s network, though often at a higher cost.

    You typically pay less out of pocket with a PPO if you choose to receive medical services from providers within your plan’s network.

    PPO plans typically do not require patients to acquire a referral before visiting with a specialist.

  • PFFS
    A Private Fee-For-Service (PFFS) plan determines how much it will pay to health care providers and how much you pay at the point when you receive services.

    With a PFFS plan, you can typically receive care from any doctor, hospital or health care provider that accepts your plan’s terms as well as Medicare. Not all providers will accept your plan terms, however.

  • SNP
    A Special Needs Plan (SNP) is a type of Medicare Advantage plan limited to people with certain chronic conditions and other specific characteristics.

    Typically, you must receive care from health care providers and hospitals within your SNP network, except for in cases when you need emergency or urgent care and when someone who has End-Stage Renal Disease (ESRD) needs out-of-area kidney dialysis.

Not all of these types of plans may be available in your area. A licensed insurance agent can help you compare the types of 2022 Louisiana Medicare Advantage plans that are available where you live.

Local health insurance resources in Louisiana

  • Louisiana’s Senior Health Insurance Information Program is there to help answer health insurance questions and provide free counseling to beneficiaries of Medicare and other health insurance programs. The program may be reached at 800-259-5300 or 225-342-5301.

  • You can also explore more information about the insurance industry in Louisiana by visiting the state’s Department of Insurance website.

  • Louisiana Prescription Drug Assistance Programs
    The state of Louisiana has a number of programs designed to help with the cost of prescription drugs. There are programs for both Medicare beneficiaries and non-Medicare beneficiaries alike that can cover the cost of premiums and cost-sharing or even lower the cost of the drugs themselves.

 

1 Freed M. et al. (Nov. 2, 2021). Medicare Advantage 2022 Spotlight: First Look. Kaiser Family Foundation. Retrieved from www.kff.org/issue-brief/medicare-advantage-2022-spotlight-first-look.

2 MedicareAdvantage.com's The Best States for Medicare report.

3 Medicare evaluates plans based on a 5-star rating system.