Lake Charles, Louisiana, has 48,305 Original Medicare enrollees with Part A and Part B. Among those who are beneficiaries with comprehensive Original Medicare coverage, only 22.7% have a Lake Charles, Louisiana, Medicare Advantage plan.

Medicare Advantage plans are some of the most popular ways Original Medicare beneficiaries expand their healthcare coverage, but they’re far from the only options available.

Lake Charles, Louisiana Supplemental Medicare Plans

There are three primary forms of supplemental Medicare available in Lake Charles, Louisiana:

  1. Medicare Part D plans
  2. Part C (Medicare Advantage) plans
  3. Medicare Supplement plans

Unlike Original Medicare, private insurance companies control additional Medicare plans and change their prices based on location, age, gender, and several other factors.

Since there is no price standardization, we’ll look at the average costs for a 70-year-old female Lake Charles, Louisiana, Medicare enrollee to give you a sense of what you might pay for each supplemental package.

Cheapest Medicare Advantage Plans in Lake Charles, Louisiana

Lake Charles, Louisiana Medicare enrollees, and other Calcasieu Parish County residents can choose among 21 different Medicare Advantage plans. Though there aren’t as many options in Lake Charles as in major Louisiana cities, enrollees still have plenty of affordable plans at their disposal.

BCBS of Louisiana’s Lake Charles HMO Medicare Advantage plan is one of the city’s most affordable, with a $0 premium and $4,900 maximum out-of-pocket (MOOP) rate.

Peoples Health has one of the cheapest local PPO Lake Charles, Louisiana Medicare Advantage plans. It has a $0 premium and $6,700 MOOP.

Medicare Advantage plans receive a rating from one to five stars that grades their coverage effectiveness, and Lake Charles, Louisiana, has several four-star options. One of the cheapest is Vantage Health’s HMO POS $0 premium, $5,900 MOOP option.

PLAN PREMIUM MOOP Plan Type Star Rating
Vantage Health $0 $5,900 HMOPOS 4
BCBS of Louisiana $0 $4,900 HMO 3
Aetna $0 $7,000 LOCAL PPO 4
Humana $0 $7,550 REGIONAL PPO 4
Peoples Health $0 $6,700 LOCAL PPO N/A

Affordable Medicare Supplement Plans in Lake Charles, LA

Medicare Supplement plans, known commonly as “Medigap plans,” are federally standardized options for extra Medicare benefits. The standardization ensures that each of the 12 Lake Charles Medigap plans has the same benefits regardless of your provider.

However, federal standardization for Medigap coverage doesn’t apply to premium costs, and insurance companies tinker with their rates based on several criteria.

Plan F is the most popular and comprehensive Medigap plan in Lake Charles, Louisiana, but it’s also the most expensive on average. Plan F premiums typically cost anywhere from $133.35 to $442.75.

Lake Charles, Louisiana, Medicare beneficiaries who want the extensive coverage of Plan F without the high monthly costs often choose High-Deductible Plan F (HDF) instead. Plan HDF is a subset of Plan F with the same benefits but a higher-priced deductible in exchange for a discounted premium range of $40 to $92.33.

Plan N is a popular choice for Medicare enrollees who want the basic Medigap benefits but don’t need everything in Plan F. Premiums are typically much cheaper, ranging from $86.53 to $313.40.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $80.74 $384.97
PLAN B $125.46 $394.49
PLAN C $147.17 $439.40
PLAN D $124.58 $384.04
PLAN F $133.35 $442.75
PLAN HDF $40.00 $92.33
PLAN G $111.08 $371.50
PLAN HDG $38.00 $79.31
PLAN K $52.77 $155.89
PLAN L $69.67 $247.11
PLAN M $90.73 $278.85
PLAN N $86.53 $313.40

Average Medicare Part D in Lake Charles, LA

Medicare Part D covers prescription drug costs for nearly all types of medication. Part D plans are popular supplemental options since Medigap plans and most Medicare Advantage plans don’t include medication coverage.

Aetna’s Lake Charles, Louisiana Medicare Part D plan has the lowest premium at $6.40 per month. It also has a $480 deductible and a three-star rating.

UnitedHealthcare’s Part D option has a higher $29.30 premium but a more affordable $310 deductible. The plan also has a four-star rating.

Humana has another popular, four-star Part D plan. It has a $22.70 premium and a $480 deductible.

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 Lake Charles, LA

Medicare Special Needs Plans (SNPs) are subsets of Medicare Advantage with coverage for people with chronic disabilities or specialized medical needs. These plans aren’t available in every location, but Lake Charles has a few popular and affordable options.

Peoples Health and Humana have affordable dual eligibility HMO Special Needs Plans with $0 premiums and $3,450 MOOP rates.

Vantage Health has a popular HMOPOS Special Needs plan with a $36.40 premium and $7,550 MOOP.

Aetna has another sought-after HMO option with a $0 premium and $7,550 MOOP.

PLAN PREMIUM MOOP Plan Type Eligibility
Peoples Health $0 $3,450 HMO Dual
Humana $0 $3,450 HMO Dual
Aetna $0 $7,550 HMO Dual
Healthy Blue $0 $7,550 HMO Dual
Vantage Health $36.40 $7,550 HMOPOS Dual

FAQs

How to apply for Medicare in Lake Charles, LA, at age 65?

Lake Charles residents receive Original Medicare automatically when they turn 65 if they have Social Security benefits. If you don’t already have Original Medicare, you can sign up at your nearest Social Security office.

Are my Medigap premiums based on income in Lake Charles, LA?

Medigap premiums aren’t based entirely on income, but it does factor into how some Lake Charles providers set rates. Social Security deems an individual making at least $91,000 as someone with a high income, which can increase your Medigap costs.

What are the four types of Medicare Advantage plans in Lake Charles, LA?

The four primary Lake Charles, Louisiana Medicare Advantage plans are Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Private Fee-For-Service, and SNPs. HMO and PPO are the most common.

Who qualifies for Medigap insurance in Lake Charles, LA?

Anyone 65 or older who already has Original Medicare Part A or B can receive Medigap insurance. You can sign up any time during your six-month open enrollment period or anytime throughout the year

What is the premium for Medicare Part B in Lake Charles, LA?

Part B premiums for anyone making less than $91,000 yearly cost $170.10 monthly. You will pay more if you have a higher annual income.

How to Sign Up for Supplemental Medicare in Lake Charles

If you’re looking for supplemental Medicare in Lake Charles, Louisiana, Medigap.com can help. We work with all local providers and compare rates and policy terms so that you can find the best supplemental plan for your needs.

Get started today by calling our team or completing our online rate form to receive the best rates in your area.

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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.