More Plan Options
The average Louisiana senior compares three or more plan options before making an enrollment decision.
How-To Enroll in a Medicare Advantage Plan in Calcasieu Parish
Most people living in Louisiana, age 65 and older, qualify to enroll in Medicare Advantage. An exception is a disqualifying illness, such as End-Stage Renal Disease (ESRD).
You can join or switch plans during a Medicare Election Period. For most people, the Annual Election Period (AEP), which starts on 15 October and ends 7 December, is the time they update their enrollment.
There's also an Individual Election Period (IEP) that you can use once. Your IEP is a 90 day period around your 65th birthday. It starts the month before you turn 65 and ends the month after.
You can get enrolled three ways:
- Call a plan directly. If you know the plan you want, this way is quick and easy.
- Go to www.Medicare.gov and enroll through the government website. From there you can look up your medications, compare plans, and get your application started online.
- Use an independent Louisiana insurance agent. This is the best way to go if you need someone to help advise you.
Original Medicare + Medigap vs. a Calcasieu Parish Medicare Advantage Plan
If you are worried that an HMO or PPO plan will try to limit your care, or that these plans are bad, Medicare Advantage is not the only way to get full coverage in Calcasieu Parish. For a little more each month you can have the best care available and lower your out-of-pocket expenses. Savvy seniors hold on to their Original Medicare and get the additional coverage they need with a Louisiana Medicare Part D Plan (prescriptions) and a Louisiana Medigap plan (supplemental Medicare insurance).
A Medicare supplement policy protects you from big medical bills and helps you lower the total annual cost of your healthcare. See our directory of supplemental plans to compare supplemental Medicare insurance available in your area. The good news is that all supplemental insurance is standardized, offering you the luxury to buy the coverage you need based on the lowest price.
Medicare SNP Plans Available in Calcasieu Parish, LA
MedicareWire has a special directory for Calcasieu Parish, Louisiana Special Needs Plans. Although managed under the Medicare Advantage program, SNP plans are designed specifically for three types of people:
- Beneficiaries in a nursing home or receiving skilled nursing care at home;
- Beneficiaries with both Medicare and Medicaid benefits; and
- Beneficiaries with certain chronic health conditions.
Calcasieu Parish, LA Medicare Advantage Plan Availability
The 21 Medicare Part C plans listed on this page are available to Medicare beneficiaries, enrolled in both Part A and Part B, living in Lake Charles, Bell City, Dequincy, Hayes, Iowa, Starks, Sulphur, Vinton, Westlake, and all other locations in Calcasieu Parish, Louisiana. MMP plans are only available to individuals who qualify for both Medicare and Medicaid benefits (aka, Dual Eligible or Medi-Medi).