There are many Lafayette, Louisiana, Medicare beneficiaries with Original Medicare Part A and B. Among them, those people have fee-for-service Medicare, while others have a Medicare Advantage plan for a 26% MA participation rate.

Though 26% Medicare Advantage participation is lower than the 42.1% national average, there are several other supplemental Medicare options available in Lafayette that thousands of enrollees benefit from each year.

Lafayette, Louisiana Supplemental Medicare Plans

There are three types of supplemental Medicare in Lafayette, Louisiana: Medicare Advantage, Medicare Supplement plans, and Medicare Part D. Unlike Original Medicare Part A and B, there is no federal cost standardization for supplemental policies, and their prices vary depending on your provider, location, age, and gender.

The charts below reflect the average prices for a typical 65-year-old male Lafayette, Louisiana, Medicare enrollee.

Cheapest Medicare Advantage Plans in Lafayette, Louisiana

Lafayette County has 29 Medicare Advantage plans available for Original Medicare enrollees. That’s one of the state’s highest Medicare Advantage plan densities and includes several low-cost options.

Humana’s HMO Medicare Advantage plan is one of Lafayette’s most well-regarded and affordable options. In addition to a $0 monthly premium and $3,700 maximum out-of-pocket (MOOP) rate, the plan has a perfect five-out-of-five star rating on metrics that grade Medicare plans’ coverage effectiveness. It even includes fitness coverage.

Peoples Health also offers a five-star rated Lafayette, Louisiana, Medicare Advantage plan with a $0 premium. Unlike Humana’s Medicare Advantage option, the Peoples Health policy is a Local PPO plan and has a $6,700 MOOP. Under this plan, Tier 1 prescription drugs cost you $0.

Aetna offers another well-regarded Local PPO Medicare Advantage plan. It’s rated four stars and has a $0 premium and a $6,900 MOOP. It also includes prescription drug coverage.

PLAN PREMIUM MOOP Plan Type Star Rating
Peoples Health $0 $6,700 LOCAL PPO 5
Humana $0 $3,700 HMO 5
Wellcare $0 $7,550 HMO N/A
BCBS of Louisiana $0 $7,550 LOCAL PPO 3
Aetna $0 $6,900 LOCAL PPO 4

Average Medicare Supplement Plans in Lafayette, LA

Medicare Supplement plans, which many people know as “Medigap plans”, are optional packages that add coverage to your Original Medicare.

There are 12 different Medigap plans in Lafayette, Louisiana, each with different prices and amounts of coverage. However, the federal government standardizes Medicare Supplement benefits so that each policy has the same coverage regardless of which provider you choose.

Plan F is one of the most popular Medicare Supplement plans in Lafayette, Louisiana, and the most enrolled-in Medigap plan nationwide. It offers more healthcare benefits than any other Medicare Supplement plan, but the premiums are the most expensive on average, ranging from $142.25 to $396.25. Those high premiums do come with many benefits.

Plan G is another popular Lafayette, Louisiana, Medicare Supplement plan. It has everything included in Plan F aside from Part B deductible coverage and has a nearly identical average price range from $121.05 to $383.02. Plan G includes nursing home coverage for those who need it.

Plan N is one of the best low-cost Medicare Supplement options for anyone who needs the essential Medigap benefits without the extra coverage or high costs of Plan F or G. Premiums for Plan N range from $92.40 to $353.30. That said, it still does fill in some Medicare gaps.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $83.09 $349.60
PLAN B $128.99 $326.56
PLAN C $159.49 $395.12
PLAN D $124.44 $317.96
PLAN F $142.25 $396.25
PLAN HDF $36.00 $82.20
PLAN G $121.05 $383.02
PLAN HDG $36.00 $78.66
PLAN K $54.27 $136.37
PLAN L $75.50 $229.90
PLAN M $97.59 $249.96
PLAN N $92.40 $353.30

Affordable Medicare Part D in Lafayette, LA

Medicare Part D plans offer prescription drug coverage for most types of medication. Part D is the only supplemental Medicare option with medication coverage, aside from a small handful of Medicare Advantage plans, so they’re popular among enrollees with regular medication expenses.

Aetna’s Part D coverage has the lowest premium rates in Lafayette, Louisiana, at $6.40. The plan also has a $480 deductible and a three-star rating. It features $0 copays on Tier 1 prescription drugs.

UnitedHealthcare’s Lafayette, Louisiana, Medicare Part D plan has a more expensive premium than Aetna’s at $29.30 but a lower $310 deductible. It’s also rated four stars. . It features $0 copays on Tier 1 prescription drugs.

Another popular four-star Part D option comes from Humana. It has a $480 deductible and costs $22.70 in premiums. The plan works with many different pharmacies to remain accessible to its members.

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
UnitedHealthcare $29.30 $310 4

Medicare Special Needs Plans in Lafayette, LA

Medicare Special Needs Plans (SNPs) are a subset of Medicare Advantage plans that offer unique coverage for enrollees with chronic disabilities or special medical needs. SNPs aren’t available at every location or provider, but Lafayette, Louisiana, has a handful of affordable options.

Wellcare’s HMO dual-eligibility SNP costs less than any option in Lafayette, Louisiana. It has a $0 premium and $3,400 MOOP. The plan even covers transportation to and from your appointments.

Humana and Peoples Health also have popular HMO Special Needs Plans with $0 premiums. Each has a $3,450 MOOP. Both cover vision, dental, and hearing loss.

UnitedHealthcare and Aetna’s HMO SNPs both have $0 monthly premiums, $7,550 MOOPs, and dual eligibility. Both include the option of a personal care team. They even allow for certain over-the-counter products.

PLAN PREMIUM MOOP Plan Type Eligibility
Wellcare $0 $3,400 HMO Dual
Humana $0 $3,450 HMO Dual
UnitedHealthcare $0 $7,550 HMO Dual
Aetna $0 $7,550 HMO Dual
Peoples Health $0 $3,450 HMO Dual

FAQs

What are the income requirements for Medicare in Lafayette, LA?

You can enroll in Original Medicare in Lafayette, Louisiana, regardless of your income. And if you make less than $1,063 a month, you might be eligible for Louisiana’s Medicare Savings Program for lower-cost Part A and B premiums.

Does everyone have to pay for Medicare Part A in Lafayette, LA?

Anyone in Lafayette, Louisiana, 65 or older receiving Social Security or Railroad Retirement Board benefits get Medicare Part A without a monthly premium. You will also get a $0 premium Part A if you or your spouse worked at a government job covering Medicare.

How much is the premium for Medicare Advantage plans in Lafayette, LA?

The average premium for Medicare Advantage plans in Lafayette, Louisiana, is $21. However, there are several Medicare Advantage options with $0 premiums.

Are Medicare Advantage plans cheaper than Original Medicare in Lafayette, LA?

Medicare Advantage in Lafayette, Louisiana, costs less on average than Original Medicare. However, Medicare Advantage plans generally have higher premiums than Original Medicare in less populated areas.

Are my Medigap premiums based on income in Lafayette, LA?

Some Medigap providers charge higher premiums for individuals making over $91,000 annually. For example, average Medigap premiums in Lafayette, Louisiana, are roughly $170 a month but peak as high as $578 for people making more than $500,000 yearly.

How to Sign Up for Supplemental Medicare in Lafayette

If you’re looking for supplemental Medicare in Lafayette, Louisiana, Medigap.com is the perfect resource to help you find the best plan and rate for your needs.

Our licensed insurance agents compare plans and rates from all providers in Lafayette so that you can find the right coverage at the best price. Plus, our team is available to answer any questions you may have about supplemental Medicare or our services.

To get connected with the best rates in your area, give us a call today or fill out our convenient and quick online rate form.

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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.