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 Saint Martin 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).
There are several different Medicare Election Periods. This is when you can join or change your plan. Most people wait until 15 October to 7 December to make enrollment changes. This is the Annual Election Period (AEP).
Most of us also get an Individual Election Period (IEP), but it only comes around once. Your IEP is based on your 65th birthday. It starts the month before and ends the month after, so you have plenty of time.
To get enrolled:
- 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 Saint Martin 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 Saint Martin 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).
If you're not familiar with Medigap policies, and how they protect you from medical care liability, please review our Medicare supplements directory, where you can learn about and compare Medigap plans. All Medigap plans are standardized. That means you can choose the plan you need based on the best price without worrying about the benefits.
Medicare SNP Plans Available in Saint Martin Parish, LA
MedicareWire has a special directory for Saint Martin 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.
Saint Martin Parish, LA Medicare Advantage Plan Availability
The 27 Medicare Part C plans listed on this page are available to Medicare beneficiaries, enrolled in both Part A and Part B, living in Breaux Bridge, Cade, Cecilia, Saint Martinville, and all other locations in Saint Martin Parish, Louisiana. MMP plans are only available to individuals who qualify for both Medicare and Medicaid benefits (aka, Dual Eligible or Medi-Medi).