Medicare Supplements Available in Louisiana LA Medigap Plans
On this page we help consumers: Compare 2020 Medigap Plans available in Louisiana. See premiums and reviews, including Plan F, G, and N. Find the best Medicare Supplements in LA at the lowest cost available.
Which Louisiana Medicare Supplement is Best for Me?
Three out of four Louisiana seniors agree: Original Medicare and a Medicare Supplement give them the best health insurance coverage available. It all comes down to choice and control. But, which Medigap plan is best for you?
We're all different, and so are our health needs and budget. What's best for you is very different than what's best for your neighbors, or even your spouse. It all comes down to what you can afford and your health. That said, you can narrow your search to what's most popular, plans: F, G and N. Read on to learn why.
| Insurance Carrier | Plan F | Plan G | Plan N | Rating | |
|---|---|---|---|---|---|
| Aetna | $170.43 | $133.78 | $112.70 |  |
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| American National | $127.51 | $101.38 | $86.33 |  |
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| American Retirement Life | $202.51 | $126.10 | $122.03 | |
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| Americo Life | $146.87 | $121.58 | $99.94 |  |
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| Assured Life | $199.54 | $168.85 | $92.44 | |
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| Bankers Fidelity Assurance | $120.97 | N/A | N/A | |
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| Blue Cross and Blue Shield of Louisiana | $177.50 | $159.80 | $122.00 | |
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| Central States | $156.42 | $116.92 | $93.33 | |
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| Colonial Penn | $205.57 | $150.70 | $102.58 | |
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| Combined Insurance | $157.11 | $114.97 | $132.96 | |
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| CSI Life | $165.33 | $120.42 | $93.92 | |
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| Everest | $137.72 | $107.69 | $92.44 | |
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| Gerber Life | $190.93 | $151.40 | N/A | |
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| Globe Life | $167.00 | $151.00 | $125.00 | |
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| GPM Health and Life | $194.26 | $132.86 | $111.26 | |
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| Humana | $191.50 | N/A | $126.50 | |
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| IAC | $184.19 | $134.17 | $113.42 | |
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| Liberty Bankers Life | $149.24 | $118.51 | $101.23 | |
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| Loyal Christian | $148.91 | $107.88 | $89.58 | |
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| Medico | $176.80 | $121.82 | $118.84 | |
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| Mutual of Omaha | $169.96 | $139.08 | $100.55 | |
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| National Guardian Life | $167.49 | $127.84 | $112.21 | |
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| Pan-American Life | $159.86 | $123.15 | $107.91 | |
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| Pekin Insurance | $163.58 | $118.44 | $97.46 | |
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| Philadelphia American | $133.08 | $102.97 | N/A | |
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| Puritan Life | $157.65 | $119.38 | $97.42 | |
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| Renaissance Life | $144.90 | $115.93 | $97.81 | |
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| Sentinel Security Life | $213.45 | $113.15 | $97.66 | |
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| State Farm | $163.71 | N/A | N/A | |
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| S.USA Life Insurance | $145.76 | $117.38 | N/A | |
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| Thrivent | $150.68 | $118.99 | $100.51 | |
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| United American | $188.00 | $162.00 | $150.00 | |
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| United Commercial Travelers | $326.44 | $266.97 | $224.26 | |
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| USAA Life | $153.68 | N/A | $111.52 | |
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| Western United Life | $143.58 | $108.58 | $94.58 | |
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Compare Plan RatesThe average Louisiana senior compares three or more quotes before making an enrollment decision. |
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Top 10 Medicare Supplement Plans in Louisiana
Looking for the best Plan F, G or N available to Louisiana seniors?
- 10 Best Medicare Supplement Plan F
- 10 Best Medicare Supplement Plan G
- 10 Best Medicare Supplement Plan N
10 Best Medigap Plan F Policies in Louisiana
Medicare Supplement Plan F is the most popular Medigap plan available in Louisiana. Here are the 10 best Plan F policies available in Louisiana based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| American National | $127.51 | None | |
| Western United Life | $143.58 | $25.00 | |
| Thrivent | $150.68 | $25.00 | |
| USAA Life | $153.68 | None | |
| Globe Life | $167.00 | None | |
| Mutual of Omaha | $169.96 | None | |
| United American | $188.00 | None | |
| Philadelphia American | $133.08 | $20.00 | |
| Everest | $137.72 | $25.00 | |
| Renaissance Life | $144.90 | $25.00 | |
10 Best Medigap Plan G Policies in Louisiana
Medicare Supplement Plan G is rapidly gaining popularity among Louisiana seniors. With Plan F going away in 2020, it is expected to be the new gold standard. Here are the 10 best Medigap Plan G policies available in Louisiana based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| American National | $101.38 | None | |
| Western United Life | $108.58 | $25.00 | |
| Thrivent | $118.99 | $25.00 | |
| Mutual of Omaha | $139.08 | None | |
| Globe Life | $151.00 | None | |
| United American | $162.00 | None | |
| Philadelphia American | $102.97 | $20.00 | |
| Everest | $107.69 | $25.00 | |
| Combined Insurance | $114.97 | $25.00 | |
| Renaissance Life | $115.93 | $25.00 | |
| NOTE: Medigap Plan G is identical to Plan F, with one exception. A Plan G policy does not pay your Medicare Part B annual deductible. In many cases the annual cost of Plan G makes it a better deal. | |||
10 Best Medigap Plan N Policies in Louisiana
Medicare Supplement Plan N is similar to Plan D, but covers Medicare Part B coinsurance costs differently. Due to its lower cost and good coverage, it's catching the attention of many Louisiana seniors. Here are the 10 best Medigap Plan N policies available in Louisiana based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| American National | $86.33 | None | |
| Western United Life | $94.58 | $25.00 | |
| Thrivent | $100.51 | $25.00 | |
| Mutual of Omaha | $100.55 | None | |
| USAA Life | $111.52 | None | |
| Globe Life | $125.00 | None | |
| United American | $150.00 | None | |
| Everest | $92.44 | $25.00 | |
| Central States | $93.33 | $25.00 | |
| Pekin Insurance | $97.46 | $25.00 | |
| NOTE: With Medigap Plan N, 100% of your Part B coinsurance is covered, except up to a $20 copayment for office visits and up to $50 for emergency room visits. | |||
Medigap Plan Reviews
We review all major Medicare Supplement insurance carriers servicing Medigap policies in Louisiana. Our reviews are unbiased. We use a balanced formula that looks at years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. Our current formula does not take rate increase history into account.
Our review of Medicare Supplement Plans in Louisiana are based on a statewide analysis, not nationwide. We recommend consumers use our 5-star ratings as one aspect of their decision making process. It helps compare insurance carriers at-a-glance.
Med Supp Rates (Premiums)
We list monthly premiums for all Medigap plans offered by Medicare Supplement carriers in Louisiana. Rates are samples based on a 65 year old, non-smoking woman and include applicable household discounts. Use our rates for comparison purposes only. Your actual rate will be based on where you live, your age, sex and use of tobacco products.
Medigap Plans are Standardized Medicare Supplements
All Medicare Supplement insurance carriers in Louisiana are required to follow both federal and state laws designed to protect you. All Medigap plans must be clearly identified as Medicare Supplement Insurance. Insurance companies must offer the standardized Medicare Plans identified by letters A through N.
NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fill the gaps in Original Medicare coverage.
All Louisiana Medicare supplement policies offer the same basic benefits, however, some offer additional gap coverage. This allows you to choose the amount of insurance you need.
Each insurance company decides which policies it wants to sell, although state laws might affect which ones they offer. Insurance companies that sell Medicare supplemental insurance:
- Don't have to offer every Medigap plan
- Must offer Medigap Plan A if they offer any Medigap policy
- Must also offer Plan C or Plan F if they offer any plan
For more information, visit the Louisiana Department of Insurance website at http://www.ldi.la.gov/.
Why is Medicare Supplement Plan F Favored in Louisiana?
Medicare Plan F costs more than all other Medigap plans, yet it is the most popular among Louisiana seniors. In fact, more than 50% of people with supplemental coverage buy Plan F. The top reason is that it covers all gaps in Original Medicare, offering peace-of-mind and convenience.
IMPORTANT: If you need protection from high medical bills, you must buy a Medicare Supplement Plan F policy before January 1, 2020. Congress voted and supplement insurance carriers will not be able to offer these polices after December 31, 2019.
RELATED: Medicare Plan F: What Does this Medicare Supplement Offer?
Is AARP's Medicare Supplement the Best Medigap Plan?
AARP sell more Medicare Supplements in Louisiana than any other carrier. AARP Medicare Supplement plans, by United Healthcare (UHC), provide the same coverage as the standardized Medigap plans from other carriers. The most significant difference is the cost and financial stability of the carrier.
Our research shows that AARP Medigap Plans are usually more expensive than competing plans. That said, in many areas UHC has hospitals under contract, allowing them to offer Medicare SELECT plans at favorable rates. This allows them to be more competitive on monthly premiums, but you must agree to use one of their contracted hospitals.
The three most popular AARP supplements are Plan F, Plan G and Plan N. You can see the difference between these plans on the comparison chart below.
Med Supp Plan Comparison Chart
The following Medicare Supplement Plans Comparison Chart offers a quick look at the benefits provided by each Medigap policies.
| Medigap Benefits | A | B | C | D | F* | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefifits are used up | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Medicare Part B Coinsurance or Copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes** |
| Blood (First 3 Pints) | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Part A Hospice Care Coinsurance or Copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Skilled Nursing Facility Care Coinsurance | No | No | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Medicare Part A Deductible | No | Yes | Yes | Yes | Yes | Yes | 50% | 75% | 50% | Yes |
| Medicare Part B Deductible | No | No | Yes | No | Yes | No | No | No | No | No |
| Medicare Part B Excess Charges | No | No | No | No | Yes | Yes | No | No | No | No |
| Foreign Travel Emergency (Up to Plan Limits) | No | No | Yes | Yes | Yes | Yes | No | No | Yes | Yes |
| Out-of-Pocket Limit*** | None | None | None | None | None | None | $5,240 | $2,620 | None | None |
* Medicare Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,240 before your Medigap plan pays anything.
** Medicare Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don't result in an inpatient admission.
*** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
Medicare Supplements vs Medicare Advantage
Still wondering if a Medicare Supplement is the right way to go? Considering Medicare Advantage to cut costs? For many seniors in Louisiana it's a difficult decision. Here are a couple things to consider.
First, understand the difference between Medigap and Medicare Advantage plans available in Louisiana. A Medigap plan fills gaps in your Original Medicare benefits. A Medicare Advantage plan may have a similar effect, but it replaces your Original Medicare benefits with managed care, reducing your options.
Second, if you need the most choices and flexibility, Original Medicare combined with a Medicare Supplement and a Louisiana Medicare Part D plan is the best coverage you can get.
RELATED: Medicare Advantage vs. Medigap: Which Is Best?
Need Local Help?
The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries, their families and caregivers. The Louisiana SHIP is a grant-funded project of the federal U.S. Department of Health and Human Services (HHS). You can reach them by phone or on their website:
- 1-800-259-5300
- http://www.ldi.la.gov/consumers/senior-health-shiip
Additional Foot Notes
[3] Sample premium is for a 65 year old, non smoking, woman living in Louisiana. The rate was accurate on date of publication. Rates change frequently and they are priced by county. You must contact a licensed agent to get a current rate for your situation.
[4] Review rating stars are derived from MedicareWire reviews on our Medigap Plan pages.
The Medicare Supplement information on this page originates from CMS Data Files, is maintained by David Bynon, and was last updated on .