Louisiana Medicare Supplement plans, or Medigap policies, are available to Medicare beneficiaries in the state. A supplement plan allows beneficiaries to expand their Medicare coverage to cover more healthcare expenses.

By purchasing Medigap coverage, you can receive coverage for the costs that typical Medicare coverage fails to cover.

Louisiana Medicare Supplement Enrollment Per Letter Plan

Nearly 153,000 Louisiana residents purchase Medigap or other supplemental plans; about 60% of Louisiana’s beneficiaries have these additional plans.

Louisiana has a higher-than-average participation rate in these plans compared with other states. The state’s popularity demonstrates how integral these plans are to Medicare coverage.

PLAN A B C D F G K L M N
455 2,153 2,084 397 94,307 35,805 1,097 674 1 13,153

What Are the Best Medigap Plans in Louisiana?

More than 94,000 Louisiana residents enroll in Louisiana Medicare Plan F. This plan provides expansive coverage, which explains the response from beneficiaries. While Plan F is an expensive option, the amount of coverage it provides can safeguard beneficiaries from overwhelming medical bills and relieve concerns about the future.

Louisiana beneficiaries tend to choose Plan F more often, but Plan G is also popular. With over 35,000 members in Louisiana, it’s the second most popular choice. A few gaps exist in Plan G, but it’s significantly more affordable than Plan F, offering an excellent balance between cost and coverage.

Third among Louisiana’s most popular plans is Plan N. The program boasts around 13,000 members, which indicates how appealing its benefits are to enrollees. Even if it does not cover beneficiaries in all situations, it offers sufficient protection at an affordable price for many people.

Medigap Plan Coverage Chart for Louisiana

The United States government requires that every Medigap plan offer identical benefits. The government aims to give beneficiaries confidence when selecting a plan by standardizing their coverage across the country.

As a result of this regulation, the coverage will remain the same even if you move from one state to another or choose a different carrier. Prices, however, will be different based on where you live.

Medicare Supplement Plans Costs in Louisiana

Despite the plans offering the same benefits, Medicare Supplement premiums vary by location. Several other factors influence the insurance rates of Louisiana Medicare Supplement plans.

For example, the use of tobacco use can affect your prices as well as your medical history. Each provider may calculate costs differently, so shop around before deciding to ensure you find the best plan for your needs and budget.

Lowest Premium Per Medigap Letter Plan in Louisiana

Below is a table that shows Louisiana Medicare Supplement prices. However, these figures apply to the situation of a patient who is 65 and female, so they may not be entirely applicable to you.

Still, you can use this information to get an idea of what to expect when shopping for Medigap insurance.

PLAN A B C D F G K L M N
Premium $73 $114 $141 $121 $137 $111 $47 $76 $86 $88

Highest Premium Per Medigap Letter Plan in Louisiana

Below are the figures for a typical 70-year-old male in Louisiana. Remember that these represent the upper end of Medigap premiums in the state, so yours may differ.

PLAN A B C D F G K L M N
Premium $470 $523 $581 $507 $585 $491 $183 $302 $340 $418

Top Medicare Supplement Plan Carriers in Louisiana

See below for a comparison of the top Louisiana Medicare Supplement plans. The chart below shows the costs associated with each option for the average 65-year-old female. Your final prices may differ, but each option’s cost should provide a basis.

Medico offers the lowest monthly pricing for Plan F, at just $137. Likewise, AARP offers the lowest monthly price of $111 for beneficiaries interested in Plan G. Both options are good choices for beneficiaries exploring their Medigap options.

CARRIERS PLAN F G N
Medico $137 $113 $88
Omaha $138 $123 $99
AARP $141 $111 $99
State Farm $143 $121 $92
Cigna $148 $137 $146

FAQs

Can I change my Medigap policy in Louisiana at any given time?

You can enroll in a different Medigap policy at any time of the year. However, if you want to switch from a Medigap plan to a Medicare Advantage plan, you will have to wait until the Annual Enrollment Period, which is from October 15 to December 7 each year. You can also change plans if you qualify for a Special Enrollment Period.

Who Pays for Medigap in Louisiana?

Private insurance companies provide Medigap coverage in Louisiana. Therefore, these providers split these costs with the beneficiaries, who pay for the coverage in premiums and deductibles. As a result, while some aspects of Original Medicare are free to most Louisiana residents, beneficiaries must pay for Medigap coverage.

What Is Medigap Plan G in Louisiana?

Medigap Plan G is a popular and balanced Louisiana Medicare Supplement plan. This plan provides similar coverage to Plan F but with a few shortcomings and a significantly lower price. Beneficiaries interested in Plan F but who want a slightly more affordable option may find Plan G perfect for their needs.

What Are the Ten Standardized Medigap Plans in Louisiana?

The ten standardized Medigap plans available to Medicare beneficiaries in Louisiana are Plan A, Plan B, Plan C, Plan D, Plan F, Plan G, Plan K, Plan L, Plan M, and Plan N. They offer distinct advantages to the beneficiaries who choose them, so consider each option carefully before selecting a plan.

Which Medigap Policy Is the Most Expensive in Louisiana?

The priciest Medigap policy in Louisiana is Plan F. Despite its cost, this plan remains extremely popular due to the exceptional coverage the plan offers to Louisiana beneficiaries.

These plans cover nearly all costs associated with healthcare, including Part B deductibles and other Medicare costs.

How to Sign Up for Medicare Supplement/Medigap Plan in Louisiana

When researching Medicare, it’s essential to consider many factors, including your insurance needs and budget. In addition, different Medicare Supplement Plans cover specific things which can affect your out-of-pocket expenses if you need an operation.

You can quickly and accurately choose a Medigap plan in Louisiana with the help of our Medigap experts at Medigap.com, where all Medicare beneficiaries receive free support. We can find the best possible plans for your unique needs and finances by working with all insurance providers.

Give our agents a call today, or quickly complete our online rate form to be connected with the best rates in the state of Louisiana.

Written By:
Picture of the author
Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. 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:
Picture of the expert
Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. 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.