There are currently 160,613 Baton Rouge, Louisiana, Medicare beneficiaries with Part A and Part B Medicare. Of this number, 87,342 beneficiaries have Medicare Advantage, and 73,271 individuals have Fee-for-Service Medicare.
Below, we’ll detail supplemental Medicare plans in Baton Rouge and answer common questions.
Baton Rouge, Louisiana Medicare plans
Baton Rouge, Louisiana, Medicare beneficiaries can save more money with a supplemental Medicare plan. You’ll save money on costs that Parts A and B don’t cover. The following quotes are for a 65-year-old woman living in Baton Rouge.
Average Medicare Advantage plans in Baton Rouge, Louisiana
The 87,342 Louisianans with a Medicare Advantage plan in Baton Rouge bring a 54.38% participation rate. The average enrollee is 70 years old, and just over 54% of all enrollees are female. In East Baton Rouge Parish, 38 Medicare Advantage plans are available for Baton Rouge, Louisiana residents.
Average Baton Rouge, Louisiana, Medicare Advantage plans include one from Peoples Health (Local PPO). Although it has no star rating, it features a zero-dollar monthly premium. Patients can pay up to $6,700 maximum out-of-pocket.
Another popular option is Humana (HMO). It boasts a perfect five-star rating. You’ll pay a zero-dollar premium and up to $3,700 MOOP.
Blue Cross Blue Shield of Louisiana (HMO) is another top option with a low $3,900 MOOP. People choose this carrier and plan for its zero-dollar monthly premium and the longstanding, trusted name behind it. Its three-star plan rating indicates a decent performance.
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| 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 |
Affordable Medicare Supplement plans in Baton Rouge, LA
Medicare Supplement plans in Baton Rouge, Louisiana, are healthcare insurance options for those looking to bridge the gaps that Original Medicare doesn’t cover. These standardized plans don’t differ across states or with different carriers. However, you will pay different premiums depending on your location and other factors.
Louisianans often choose Plan G for its nearly full coverage benefits. Its only coverage exclusion is the Part B deductible. You’ll pay as little as $111.30 or as much as $339.78 per month for this plan.
Patients who want Plan G at a lower monthly rate can opt for Medigap Plan HDG, the high deductible option. This plan starts at just $31 per month and goes as high as $77.97.
Residents can also consider Medigap Plan N, which offers similar coverage to Plan G. You’ll pay between $88.48 and $313.40 monthly for coverage.
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $73.33 | $314.66 |
| PLAN B | $114.05 | $315.66 |
| PLAN C | $141.19 | $352.68 |
| PLAN D | $121.81 | $307.29 |
| PLAN F | $137.93 | $363.33 |
| PLAN HDF | $31.00 | $81.44 |
| PLAN G | $111.30 | $339.78 |
| PLAN HDG | $31.00 | $77.97 |
| PLAN K | $47.86 | $133.66 |
| PLAN L | $76.25 | $206.89 |
| PLAN M | $86.36 | $224.95 |
| PLAN N | $88.48 | $313.40 |
Cheapest Medicare Part D prescription drug plans
Baton Rouge, Louisiana, Medicare Part D plans are standalone insurance plans that cover prescription drugs. While finding a Medicare Advantage prescription drug plan is possible, Medigap offers no drug coverage.
Baton Rouge residents often choose a Part D plan from Aetna for its affordability. A $6.40 monthly premium and $480 deductible boast a respectable three-star rating.
Humana also offers a worthwhile option for $22.70 monthly. You’ll pay a similar $480 deductible before coverage begins. The plan’s four-star rating indicates exceptional satisfaction with plan offerings.
A plan from UnitedHealthcare costs Louisianans $29.30 per month with an impressively low $310 deductible. The plan has a high four out of five-star rating in addition to UnitedHealthcare’s reputable name.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Aetna | $6.40 | $480 | 3 |
| Wellcare | $12.90 | $480 | 3 |
| Clear Spring | $16.20 | $480 | 2 |
| Humana | $22.70 | $480 | 4 |
| United Healthcare | $29.30 | $310 | 4 |
Medicare Special Needs plans
Special Needs Plans (SNPs) are Medicare plans that benefit those with chronic conditions and disabilities. These plans offer significant savings and additional healthcare benefits. Unfortunately, SNPs are not available everywhere, but there are a few in Baton Rouge, LA.
A Wellcare (HMO) plan has no monthly premium but up to $3,400 MOOP. Patients must have dual eligibility, meaning they must be eligible for Medicaid and Medicare to qualify for this plan.
You can also choose Aetna (HMO) for a $7,550 maximum out-of-pocket zero-dollar premium. Beneficiaries with both Medicare and Medicaid are eligible to enroll in this plan.
Another suitable option, Healthy Blue (HMO), also features a zero-dollar premium and a $7,550 maximum out-of-pocket cost. Dual eligibility is also a requirement for this plan.
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Wellcare | $0 | $3,400 | HMO | Dual |
| United Healthcare | $0 | $7,550 | HMO | Dual |
| Humana | $0 | $3,450 | HMO | Dual |
| Aetna | $0 | $7,550 | HMO | Dual |
| Healthy Blue | $0 | $7,550 | HMO | Dual |
FAQs
What is Medicare Part D in Baton Rouge, LA?
Baton Rouge, Louisiana, Medicare Part D is a standalone plan option for those needing prescription drug coverage. You’ll receive coverage for generic and brand-name medications that you can pick up at your local pharmacy.
You can also receive Part D benefits by enrolling in a Medicare Advantage Plan with prescription drug plans (MAPD).
Do Medicare Advantage plans always have deductibles in Baton Rouge, LA?
Medicare Advantage plans don’t always have deductibles. Some Medicare Advantage plans also offer drug coverage without a drug deductible.
However, plans with no deductible tend to have higher monthly premiums or out-of-pocket costs, so comparing your options is essential before deciding on a plan.
Do Medigap premiums increase with age in Baton Rouge, LA?
Medigap premiums can increase with age in Baton Rouge, LA. You have at least one yearly rate increase. In addition, your private Medigap carrier typically increases premiums in correlation with Medicare’s Part A and Part B price increases and inflation.
Is Medicare cost based on your income in Baton Rouge, LA?
In some cases, Medicare’s cost does depend on your income in Baton Rouge, LA. You may be subject to a higher Part B premium if you’re a high-income beneficiary. Part D premiums also increase with income.
You’ll pay higher rates if you make more than $91,000 individually or if you and your spouse make more than $182,000. Conversely, you may be eligible for lower rates if your income falls below a certain level.
What does Medicare Part D cover in Baton Rouge, LA?
Medicare Part D in Baton Rouge, Louisiana, covers prescription medications. You’ll pay a monthly premium with little to no prescription copays.
How to sign up for Medicare plans in Baton Rouge
Applying for supplemental Medicare in Baton Rouge is easy when you work with the right insurance company.
Our licensed insurance agents can provide you with quotes from top carriers in Louisiana so that you can find a plan that fits your needs and budget. Their time and knowledge are free, so there’s no excuse not to let them help!
Call us or fill out our online rate form to be connected with the best rates in your area.
