In Louisiana, approximately 661,000 people enroll in Louisiana Medicare Part D plans. 341,000 enrollees chose standalone Part D plans, while the rest used MAPD plans.

This plan offers coverage for medications that Original Medicare doesn’t provide.

Louisiana Medicare Part D plans for 2024

Beneficiaries with Medicare Part D receive coverage for prescription drugs doctors prescribe. Despite the importance of these medications, Original Medicare does not cover these costs. In the following sections, we will discuss Louisiana Medicare Part D options.

Part D plans with the lowest premium in Louisiana

Regarding monthly premiums, Aetna has the lowest rates in the state. The plan is incredibly affordable at only $6.40 a month, making it an excellent choice for beneficiaries on a tight budget. This program also features a $480 deductible, consistent with other options on the list.

The Humana plan has a four-star rating but a higher monthly premium of $22.70. In addition, Humana’s Part D plan has a $480 deductible and does not offer gap coverage.

UnitedHealthcare is the only option in this category that provides gap coverage as part of the plan. Despite this plan’s relatively high monthly premium of $29.30, the impressively low $310 deductible balances the price differential.

Aetna $6.40 $480 3 No
Wellcare $12.90 $480 3 No
Clear Spring $16.20 $480 2 No
Humana $22.70 $480 4 No
UnitedHealthcare $29.30 $310 4 Yes

Part D plans with a zero-dollar deductible in Louisiana

If beneficiaries can afford higher premiums, they can opt for zero-deductible plans, which provide coverage against high medical costs. Wellcare is perhaps the most attractive of these plans. This three-star plan comes with a monthly premium of $68.90.

UnitedHealthcare is another option if you want a zero-dollar deductible plan. At $100.50 per month, this plan has a three-star rating, making it a solid choice for beneficiaries searching for Louisiana Medicare Part D plans.

The monthly premium for Aetna’s three-star Part D plan is $79.90. Aetna’s offering is excellent for those seeking a zero-deductible plan with gap coverage.

Wellcare $68.90 $0 3 No
Aetna $77.90 $0 3 Yes
UnitedHealthcare $100.50 $0 3 Yes

Part D plans with gap coverage in Louisiana

UnitedHealthcare’s Louisiana Medicare Part D plan offers gap coverage and a balanced benefits package. With a monthly premium of $29.30 and a deductible of $310, the beneficiary can maintain coverage while keeping medication costs down.

Premiums for Aetna’s zero-dollar deductible plan are the lowest in this category. As a result, beneficiaries can protect themselves from high medical costs by avoiding a deductible and having a monthly premium of $77.90.

Finally, Cigna offers a plan for beneficiaries prioritizing security over everything else. Although the monthly premium of $75.70 is somewhat higher than others, the program receives a rating of three stars and has a zero-dollar deductible.

UnitedHealthcare $29.30 $310 4 Yes
Cigna $75.70 $100 3 Yes
Aetna $77.90 $0 3 Yes
UnitedHealthcare $100.50 $0 3 Yes

Part D plans with a low-income subsidy in Louisiana

In Louisiana, approximately 230,000 Medicare beneficiaries qualify for low-income subsidies. By pursuing these subsidies, beneficiaries can ease the financial burden of healthcare costs.

This subsidy is available from Aetna, a well-known Louisiana provider. This plan has a deductible of $480 and a monthly cost of $32.40. This plan’s three-star rating also gives beneficiaries confidence when choosing Aetna as their provider.

For people who qualify for low-income subsidies, Wellcare is another excellent choice. The three-star plan has a monthly premium of $31.10 and a deductible of $480.

Humana is the provider with the highest rating in the state that offers this subsidy. Due to its four-star rating, this plan is a good choice for beneficiaries looking for excellent overall service and coverage. At $33.50 per month, this plan is slightly more expensive than competing options.

Wellcare $31.10 $480 3 No
Clear Spring $31.90 $480 2 No
Aetna $32.40 $480 3 No
Humana $33.50 $480 4 No
Cigna $34.00 $480 3 No

Amount of beneficiaries that fall into each Part D coverage phase in Louisiana

There are several phases to the prescription medication costs associated with Part D. Examples include the coverage gap or donut hole, when costs can increase. The following table shows the number of beneficiaries in Louisiana who currently belong within each category.

Deductible Phase Initial Coverage Phase Coverage Gap Phase Catastrophic Phase
111,604 317,925 81,572 64,712

Estimated Premium Rates for prescription drug plans in Louisiana Cities

The accompanying charts provide an estimation of premiums for Medicare Advantage options in the following cities:


What Is Medicare Part D in Louisiana?

Part D of Medicare offers coverage for prescription medications that Original Medicare does not provide. A Part D plan is essential if you want drug coverage in Kansas.

Remembering that all Part D plans have the same formulary and will cover a different list of prescription drugs is essential.

What drugs are covered by Medicare Part D in Louisiana?

Part D plans cover medication your doctor prescribes to you outside of a hospital setting. Original Medicare covers only medication doctors give during inpatient treatment, so Part D plans are essential to extending coverage to most drugs.

However, each plan offers different levels of coverage for different types of drugs, so it’s crucial to find a plan that covers your specific medications.

What happens if I refuse Part D in Louisiana?

Refusing Part D can complicate things for Louisiana beneficiaries in multiple ways. Firstly, beneficiaries may find it challenging to add this coverage later, exposing them to high medication costs.

Additionally, the government charges a penalty to beneficiaries without adequate prescription coverage.

How do I avoid the Medicare Part D penalty in Louisiana?

The Part D penalty intends to incentivize medication coverage among beneficiaries. Therefore, all you need to do to avoid the penalty is to maintain consistent coverage through a Part D program or equivalent option.

What is the average cost of Medicare Part D in Louisiana?

The cost of Medicare Part D in Louisiana varies depending on your chosen carrier and where you live. Each plan will also have different copays, affecting how much you pay for your prescriptions.

How to get help signing up for a Medicare Part D plan in Louisiana

If you’re a Louisiana resident looking for help signing up for a Medicare Part D plan, don’t hesitate to contact our licensed insurance agents.

Our free support services can make the process much easier and less overwhelming. We have years of experience helping beneficiaries choose the right supplemental plans and are committed to providing the best possible service.

So, reach out to us by phone today! Or quickly and easily complete our online rate form to get the best rates on Part D plans.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for She's been contributing to many well-known publications 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.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.