2022 Medicare Advantage Plans La Salle Parish, Louisiana
We reviewed the top 25 Medicare Advantage Plans available in La Salle Parish, Louisiana. Here's what we discovered:
Key Facts
- The average premiumA premium is an amount that an insurance policyholder must pay for coverage. Premiums are typically paid on a monthly basis. In the federal Medicare program, there are four different types of premiums. is $34.30 per month.
- The average out-of-pocket limit is $5,905 per year.
- The average drug plan deductible (for plans that include Part D) is $192.89 per year.
- Medicare rated 44% of all plans available in La Salle Parish 4 stars or higher.
- There are 4 plan types to choose from, including PPO, HMO, MSA, HMO-POS, and possibly SNP plans, as well.
La Salle Parish, Louisiana 2022 Medicare Advantage Plans
| Plan Name | Plan Type |
Monthly Premium |
Part D Deduct. |
MOOP | Rating |
|---|---|---|---|---|---|
| Blue Advantage | PPO | $100 | $0 | $4,200 | |
| Blue Advantage | PPO | $0 | $195 | $7,550 | |
| Blue Advantage | HMO | $0 | $0 | $5,900 | |
| Humana Gold Plus H1951-052 | HMO | $0 | $0 | $7,550 | |
| Humana Honor | PPO | $0 | N/A | $6,700 | |
| Humana Value Plus H5216-161 | PPO | $36 | $480 | $7,550 | |
| HumanaChoice H5216-064 | PPO | $45 | $0 | $6,700 | |
| HumanaChoice H5216-202 | PPO | $79 | $400 | $6,700 | |
| HumanaChoice R0110-001 | PPO | $0 | N/A | $7,550 | |
| HumanaChoice R0110-003 | PPO | $110 | $400 | $7,550 | |
| Lasso Healthcare Growth | MSA | $0 | N/A | * | |
| Lasso Healthcare Growth Plus | MSA | $0 | N/A | * | |
| Peoples Health Choices | PPO | $0 | $0 | $6,700 | |
| Peoples Health Patriot | PPO | $0 | N/A | $6,700 | |
| Vantage Health Plan Vantage 100 | HMO-POS | $222 | $0 | * | |
| Vantage BASIC | HMO-POS | $0 | $480 | $5,900 | |
| Vantage PREMIUM | HMO-POS | $171 | $0 | $3,500 | |
| Vantage STANDARD | HMO-POS | $36 | $480 | $4,900 | |
| Wellcare Assist | HMO | $21 | $480 | $3,400 | |
| Wellcare Community Assist | PPO | $36 | $480 | $6,000 | |
| Wellcare Endurance | HMO | $0 | $0 | $3,400 | |
| Wellcare Giveback Open | PPO | $0 | $195 | $7,550 | |
| Wellcare No Premium | HMO | $0 | $0 | $3,400 | |
| Wellcare No Premium Open | PPO | $0 | $75 | $5,000 | |
| Wellcare Patriot No Premium | HMO | $0 | N/A | $5,500 | |
| *Certain PFFS, MSA, and HMO-POS plans have a combined in and out of network maximum. Limits are detailed on the plan pages. | |||||
La Salle Parish, LA
Medicare Advantage Plan Information
Medicare Advantage (MA) plans are an alternative to Original MedicareOriginal Medicare is private fee-for-service health insurance for people on Medicare. It has two parts. Part A is hospital coverage. Part B is medical coverage. for Medicare beneficiaries in La Salle Parish. There are currently 25 MA plans available, with coverage offered by Medicare-approved private companies following strict rules and requirements. MA plans are also known as Medicare Part CMedicare Part C is Medicare's private health plan option. Also known as Medicare Advantage, Medicare Part C plans are a type of Medicare health plan offered by companies that contract with Medicare to provide all... and may provide additional benefits not available through Original Medicare.
Prescription medication coverage is one of the most popular additional benefits. These plans are also known as Medicare Advantage Prescription Drug Plans (MAPDs). These plans offer La Salle Parish beneficiaries comprehensive coverage that can help them reduce their out-of-pocket costsOut-of-Pocket Costs for Medicare are the remaining costs that are not covered by the beneficiary's health insurance plan. These costs can come from the beneficiary's monthly premiums, deductibles, coinsurance, and copayments..
Medicare Advantage Plan Types
Medicare supports 7 different types of private health plans. However, not all plans are available in all areas. In La Salle Parish, Medicare beneficiaries can choose from 4 of the 7 plan types, as follows:
| Plan Type | Description |
|---|---|
| HMO | Health Maintenance Organization (HMO) members usually receive services through the plan’s local network of providers. Referrals are typically required to see a specialist and other providers. However, plans allow out-of-network care for emergencies and out-of-area dialysis. Prescription drug coverage is often included in HMO plans, and many plans include some coverage for dental, vison, and hearing. |
| PPO | Preferred Provider Organization (PPO) members can usually use in-networkDoctors, hospitals, pharmacies, and other healthcare providers that agree to health plan members' services and supplies at a set price are in-network providers. With some health plans, your care is only covered if you get... and out-of-network providers for care, including hospitalization. However, visits to non-network providers could cost significantly more. PPO plans often include prescription drug coverage and other benefits, and referrals are typically not required for specialist visits. |
| HMO-POS | An HMO-POS (point-of-sale) plan offers the same features as an HMO plan. There is however one major difference. HMO-POS plans allow members to access healthcare providers outside of the plan's network to receive some or all of their services. In most cases, to go out of the plan's network a member will need to get a referral from their physician. Plus, there are separate deductiblesA deductible is an amount a beneficiary must pay for their health care expenses before the health insurance policy begins to pay its share. for in-network and out-of-network services. |
| MSA | Medicare Medical Savings Account (MSA) plans are private companies that the Medicare program pays to manage a beneficiary's Medicare benefits. As with all types of Medicare Advantage plansMedicare Advantage (MA), also known as Medicare Part C, are health plans from private insurance companies that are available to people eligible for Original Medicare (Medicare Part A and Medicare Part B)., MSA plans must offer the same basic benefits included in Medicare Part AMedicare Part A is hospital coverage for Medicare beneficiaries. It covers inpatient care in hospitals and skilled nursing facilities. It also covers limited home healthcare services and hospice care. and Part BMedicare Part B is medical coverage for people with Original Medicare benefits. It covers doctor visits, preventative care, tests, durable medical equipment, and supplies. Medicare Part B pays 80 percent of most medically necessary healthcare services.. However, benefits may have different rules, restrictions, and costs. Unlike other Medicare Advantage plans, MSAs have a high deductible health plan (HDHP) and a government-funded bank account for paying your medical costs. |
| SNP |
See below. |
Getting Enrolled in a Medicare Advantage Plan in La Salle Parish
Most Louisiana seniors qualify to join a Medicare Advantage plan in Louisiana. The availability of plans in La Salle Parish that meet your needs may the the determining factor. Also, be aware that certain diseases, most notably End-Stage Renal DiseaseEnd-Stage Renal Disease (ESRD), also known as kidney failure, is a condition that causes you to need dialysis or a kidney transplant. People with ESRD are eligible for Medicare coverage regardless of age. (ESRD), may limit your options, as Medicare Advantage plans are not required to cover this condition, even though some do.
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).
There's also an Individual Election Period (IEP) that you can use once. Your IEP is a 7-month period of time around your 65th birthday. It begins three months before you turn 65 and ends three months later. If you have Social Security Disability Insurance (SSDI), your IEP begins on the 25th month.
Adding Prescription Drug Coverage
Some people may be eligible to join a standalone prescription drug plan. Otherwise known as a PDP or Part D plan, a standalone prescription drug plan adds prescription coverage to Original Medicare and Medicare Advantage plans that do not include coverage for prescriptions.
It’s important to note that health plans that include prescription drug coverage may disenroll members who sign up for a separate drug plan. You cannot be enrolled in plans with overlapping benefits.
Medicare Advantage vs. Original Medicare with a Medicare Supplement
If you are concerned that a La Salle Parish Medicare Advantage plan could be bad, inconvenient or limit your services, there is another way to get full coverage and lower your out-of-pocket costs. A good La Salle Parish Medicare supplement policy (Medigap) and a Louisiana prescription drug plan (Medicare Part DMedicare Part D plans are an option Medicare beneficiaries can use to get prescription drug coverage. Part D plans provide cost-sharing on covered medications in four different phases: deductible, initial coverage, coverage gap, and catastrophic. Each...) work hand-in-hand with your Original Medicare to give you the best coverage possible.
If you're not familiar with Medigap policies, and how they protect you from medical care liability, please review our Medicare supplementsMedicare Supplements are additional insurance policies that Medicare beneficiaries can purchase to cover the gaps in their Original Medicare (Medicare Part A and Medicare Part B) health insurance coverage. directory, where you can learn about and compare Medigap plans (here). All Medigap plans are standardized. That means you can choose the plan you need based on the best price without worrying about the benefits.
Special Needs Plans (SNP) in La Salle Parish, Louisiana
Millions of Americans have unique healthcare needs. This includes institutional care, care for chronic diseases, and financial assistance for low-income households. Consider a Medicare Advantage Special Care Plan (SNP) if you or your loved one has one or more of these special healthcare issues.
MedicareWireMedicareWire is a Medicare insurance consulting agency. We founded MedicareWire after seeing and hearing how confusing and frustrating it is to find, understand, and choose a plan. Our services are free to the consumer. has a special directory for La Salle 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 MedicaidMedicaid is a public health insurance program that provides health care coverage to low-income families and individuals in the United States. benefits; and
- Beneficiaries with certain chronic health conditions.
Private Health Plan Availability
The private health plans published above are available to Medicare beneficiaries living in Jena, Olla, Trout, Urania, and all other areas of La Salle Parish, Louisiana.
Citations & References
- CMS.gov, Medicare Part C Landscape Source Files, Last Accessed October 26, 2021
- Medicare.gov, "Types of Medicare Advantage Plans", Last Accessed 17 May, 2022
- Medicare.gov, "How Medicare Special Needs Plans (SNPs) Work", Last Accessed 11 October, 2021
- Medicare.gov, "How to compare Medigap policies", Last Accessed 1 June, 2022
This Medicare Advantage Parish information page was last updated on .