Roughly 115,890 residents receive Part A and Part B New Orleans, Louisiana Medicare. Of this number, 74,380 are a part of the Medicare Advantage program.

New Orleans, Louisiana Supplemental Medicare Plans

We’ll be exploring different Medicare Advantage, and Medigap Supplemental plans available in New Orleans, LA. The data we’ll be using centers around males that are 70 years or older.

Affordable Medicare Advantage Plans in New Orleans, Louisiana

The Medicare Advantage percentage rate for New Orleans, Louisiana residents is 64.18%. Currently, there are 33 Medicare Advantage plans available in New Orleans. We’ll start by exploring three of them.

BCBS of Louisiana is one plan that you can enroll in. This plan has a zero-dollar monthly premium and a maximum out-of-pocket (MOOP) cost of $7,550. This three-star plan is a LOCAL PPO.

There’s also Wellcare, which is a popular choice. This plan is an HMO, meaning you’ll need to seek healthcare within your network or pay out-of-pocket expenses. This three-star rated plan has a zero-dollar monthly premium and a MOOP of $5,500.

Humana is the last plan we’ll look at, and it also has a zero-dollar monthly premium. This impressive five-star plan has a MOOP of $3,700. Like Wellcare, this plan is an HMO.

PLAN PREMIUM MOOP Plan Type Star Rating
BCBS of Louisiana $0 $7,550 LOCAL PPO 3
Wellcare $0 $5,500 HMO 3
Ochsner Health $0 $3,700 HMOPOS N/A
Aetna $0 $7,550 LOCAL PPO 4
Humana $0 $3,700 HMO 5

Cheapest Medicare Supplement Plans in New Orleans, LA

Medigap and Medicare Supplement plans supplement your New Orleans, Louisiana Medicare. Since the government standardizes these plans across the country, their benefits don’t change. However, their premiums can vary with each region.

Plan F has a premium range of $175.17 to $585.20 per month. Although you end up paying more for comprehensive coverage, this plan is ideal for most Medicare beneficiaries.

If you want all the benefits of Plan F but don’t want to pay high premiums, there’s also Plan HDF. You’ll receive all the same benefits but with a far lower monthly premium range of $47.00 to $130.83. However, you will pay a higher deductible.

Plan G is another popular plan with many similar benefits as Plan F, but with a lower premium range. Its premiums are between $150.92 and $491.45 per month, and it also has a high-deductible version — Plan HDG. Plan HDG has a premium range of $47.00 to $125.23.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $108.55 $470.73
PLAN B $168.01 $521.67
PLAN C $195.29 $581.25
PLAN D $160.25 $507.93
PLAN F $175.17 $585.20
PLAN HDF $47.00 $130.83
PLAN G $150.92 $491.45
PLAN HDG $47.00 $125.23
PLAN K $71.03 $183.63
PLAN L $93.00 $302.17
PLAN M $120.84 $340.94
PLAN N $115.43 $418.37

Average Medicare Part D in New Orleans, LA

Medigap plans don’t cover prescriptions, and only some New Orleans, Louisiana Medicare Advantage plans do. Many New Orleans residents enroll in a stand-alone Part D plan to resolve this issue and receive coverage for their prescriptions.

Wellcare is the first plan we’ll visit. This plan has a monthly premium of $12.90 with a $480 deductible and a three-star rating. Using this plan, you can often buy generic prescriptions for six dollars or less.

Humana is a four-star plan with a deductible of $480. While its monthly premium is higher than most plans, sitting at $22.70, Humana is also known for having excellent coverage. With this plan, it’s possible to get generic prescriptions for a dollar or less.

UnitedHealthcare is another plan you can choose. While this plan has the highest monthly premium of $29.30, it also has a lower deductible of $310. This plan also carries a high four-star rating.

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 New Orleans, LA

A subset of Medicare Advantage plans, Special Needs Plans (SNPs), can supplement your New Orleans, Louisiana Medicare. Although these plans aren’t available in all regions, they can significantly help patients with special needs or chronic disabilities.

The first plan we’ll look at is Wellcare. Like the other plans on this list, Wellcare has a zero-dollar premium. This HMO plan also has dual eligibility and a MOOP rate of $3,400.

Another valuable plan is Peoples Health’s HMO plan. Peoples Health has a higher MOOP of $3,45 and requires dual eligibility. Dual eligibility means you qualify for both Medicaid and Medicare.

Another HMO plan comes from Humana. Humana has a low MOOP of $3,400 and has a chronic or disabling eligibility. This eligibility means you need to have a certain disability or chronic condition to qualify for plan enrollment.

PLAN PREMIUM MOOP Plan Type Eligibility
Wellcare $0 $3,400 HMO Dual
Peoples Health $0 $3,450 HMO Dual
Humana $0 $3,400 HMO Chronic/Disabling
Healthy Blue $0 $7,550 HMO Dual
Aetna $0 $7,550 HMO Dual

FAQs

Is Medicare Advantage based on your income in New Orleans?

While Part B premiums can be higher for Original Medicare in New Orleans, Louisiana based on your income, the same isn’t the case for Medicare Advantage plans. Instead, their total costs depend upon each particular plan and your location.

Can I add Part D anytime in New Orleans, LA?

In most cases, you’ll need to add a Part D plan either in your initial or open enrollment period. However, some situations allow you to add this plan at any time.

Does Medigap cover drugs in New Orleans, LA?

Unfortunately, no Medigap plans cover drugs in New Orleans, LA. That’s why people enroll in a stand-alone Part D plan.

What age can you get Medicare in New Orleans, LA?

Most New Orleans, Louisiana residents start receiving Medicare before or a little after they turn 65. However, you are also eligible for Medicare if you have Lou Gehrig’s Disease or End-Stage Renal Disease (ESRD).

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

Most residents don’t have to pay for Medicare Part A, assuming they meet the right qualifications. If you don’t qualify for a premium-free Part A Medicare, you can still receive Part A Medicare but will have to pay premiums.

How to Sign Up for Supplemental Medicare in New Orleans

There are many ways to supplement your Medicare in New Orleans. Our team can help you navigate your options and find the best plan for your unique needs — also, our services are completely free!

Call us today, or simply complete our convenient online rate form to get the best rates and supplement your New Orleans, Louisiana Medicare!

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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.