Medicare Advantage plans provide extended coverage to beneficiaries, lowering overall healthcare costs. Louisiana has 880,000 Medicare beneficiaries, 34% of whom enroll in Medicare Advantage Plans. This article examines the Louisiana Medicare Advantage plans available in 2022.

Louisiana Medicare Advantage Plans

Despite its valuable benefits, the Medicare program leaves significant coverage gaps. Medicare Advantage plans are an excellent option for beneficiaries concerned about rising medical costs. Because private insurance companies establish and support these plans, the benefits differ from one provider to another.

Medicare Advantage Plans Offers in Louisiana

Government standards govern Original Medicare and Medigap coverage across the country, but Medicare Advantage plans do not fall under this regulation. Therefore, benefits will differ depending on the specific plan. Additionally, these figures are specific to a single zip code in Louisiana, so your results may vary in your area of the state.

Here are some of the choices Louisiana Medicare Advantage plan beneficiaries have available to them. It’s good to carefully research which plan best fits your needs since some have specific advantages like no premiums or lower deductibles.

Medicare Advantage Plans with a Zero Dollar Premium in Louisiana

Although a zero-dollar-premium plan may seem enticing to many beneficiaries, there are also downsides to consider. When a beneficiary undergoes an operation or spends several days in the hospital, a higher deductible will result in much higher costs.

Although the monthly savings may outweigh the lump sum costs, planning ahead is crucial for beneficiaries with these plans.

Louisiana beneficiaries have an excellent option for a Medicare Advantage provider in Humana (HMO). Their plan received a five-star rating and offered a zero-dollar premium, all with an affordable MOOP (maximum out-of-pocket) of $3,700.

Aetna (Local PPO) is also an option for Louisiana beneficiaries. Although MOOP has a four-star rating and no monthly fee, it’s more expensive than other options. The plan is still a solid choice despite its slightly imposing MOOP of $7,550.

Local PPO plans from Peoples Health provide effective coverage at a very competitive price. Louisiana beneficiaries can use Peoples Health as an alternative to HMOs with a $6,700 MOOP and no monthly premium.

PLAN PREMIUM MOOP PLAN TYPE STAR RATINGS
Peoples Health $0 $6,700 LOCAL PPO N/A
Humana $0 $3,700 HMO 5
Wellcare $0 $3,400 HMO 3
BCBS of Louisiana $0 $3,900 HMO 3
Aetna $0 $7,550 LOCAL PPO 4

Medicare Advantage Plans with a Zero Dollar Drug Deductible in Louisiana

Wellcare’s Medicare Advantage plans with no drug deductibles are the most affordable in Louisiana. As well as earning a solid three-star rating, it also impresses by offering the lowest MOOP in the area of $3,400 and a zero-dollar premium.

The Louisiana plan offered by Humana is a great choice as well. Its five-star rating is perfect, and there is no premium to pay. Additionally, its $3,700 MOOP makes it an affordable option for Louisiana residents.

Louisiana beneficiaries may also want to consider Oschner Health. The MOOP for this plan is $3,500, and there are no premiums. Moreover, Oschner’s plan received a four-star rating, so beneficiaries can be confident they picked the right plan.

PLAN PREMIUM MOOP PLAN TYPE STAR RATINGS
Peoples Health $0 $6,700 LOCAL PPO N/A
Humana $0 $3,700 HMO 5
Wellcare $0 $3,400 HMO 3
BCBS of Louisiana $0 $3,900 HMO 3
Ochsner Health $0 $3,500 HMO N/A

Medicare Advantage Plans with a 5-Star Rating in Louisiana

A beneficiary may qualify for a Special Enrollment Period in Louisiana Medicare Advantage if they select a five-star plan. Beneficiaries can benefit from this period because it simplifies the process of enrolling, so it’s worth considering while making your decision.

In Louisiana, Humana provides a five-star Medicare Advantage plan in the state. In addition, Humana’s plan earned the highest possible rating, so beneficiaries can expect exceptional service and coverage. The other option for beneficiaries in the state is the Peoples Health plan, which is a bit more expensive but offers PPO coverage.

PLAN PREMIUM MOOP PLAN TYPE STAR RATINGS
Humana $0 $3,700 HMO 5
Peoples Health $0 $6,700 LOCAL PPO 5

Medicare Advantage Plans with a Part B Reduction in Louisiana

Beneficiaries of the following plans can save a great deal of money by taking advantage of the Part B reduction. However, it is essential to note that the Part B reduction may not be available in every area.

With Wellcare, you’ll receive the best Part B discounts in the state. In addition to offering a $60 reduction, the plan features a $7,550 MOOP, which may be high for some beneficiaries.

Peoples Health’s plan also offers a reduced Part B premium. This reduction of $60 can help those who are on a budget.

Lastly, Humana’s plan offers a lower discount at $35. But, even with its low reduction, the plan’s five-star rating and MOOP of $3,700 make it one of the best overall options in Louisiana.

PLAN PREMIUM MOOP PART B REDUCTION STAR RATINGS
Humana $0 $3,700 $35.00 5
Peoples Health $0 $6,700 $60.00 N/A
Ochsner Health $0 $3,500 $30.00 N/A
Wellcare $0 $7,550 $60.00 N/A
Humana $0 $6,700 $50.00 4

Ancillary/DVH

Among the many benefits of Medicare Advantage plans is that they usually cover dental and vision care. Although they are not part of Original Medicare and Medigap, these aspects of coverage play a crucial role in maintaining health. This advantage of Medicare Advantage plans is why many beneficiaries choose them as supplemental coverage.

FAQs

Who is eligible for Medicare Advantage in Louisiana?

If you qualify for Original Medicare in Louisiana, you also qualify for a Medicare Advantage plan.

Can you get Medicare Advantage at 62 in Louisiana?

In most cases, residents become eligible for Medicare at age 65. However, exceptions exist for specific disabilities and illnesses.

What is the difference between Medicare Advantage plans and Original Medicare in Louisiana?

While the federal government provides Original Medicare coverage, private insurance providers offer Medicare Advantage plans. This system results in solid competition but reduced regulation and oversight.

What are the top three Medicare Advantage plans in Louisiana?

Louisiana’s top three Medicare Advantage providers are Aetna, Humana, and UnitedHealthcare. Each of these providers is trusted and experienced, giving beneficiaries excellent options.

What are the four types of Medicare Advantage plans in Louisiana?

In Louisiana, there are four types of Medicare Advantage plans. Depending on their needs, beneficiaries may decide between an HMO, PPO, PFFS, or special needs plan (SNP).

How to Get Help Enrolling in a Louisiana Medicare Advantage Plan

Louisiana Medicare beneficiaries have access to many great Medicare Advantage plans and can get the best rates today by working with our licensed insurance agents.

We have experts who love helping people find the right plan for their needs, and who would be happy to help you find the perfect coverage for your healthcare needs.

Please give us a call today or fill out our online rate form today to get started!

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.