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Medigap Plans
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Louisiana

Medicare Supplement Plans in Louisiana

On this page we help consumers: Quickly compare Medicare Supplement Plans in Louisiana. See your savings on LA Medigap plan F, G and plan N premiums.
If you need assistance, call 1-855-266-4865 to speak with a licensed insurance agent or Get a Free Medicare Supplement Rate Comparison through our private email service (learn more).

Louisiana Medigap Plans by Carrier

Insurance CarrierPlan FPlan GPlan NRating
Aetna$170.43$133.78$112.70
☆☆☆☆☆
American National$127.51$101.38$86.33
☆☆☆☆☆
American Retirement Life$202.51$126.10$122.03
☆☆☆☆☆
Americo Life$146.87$121.58$99.94
☆☆☆☆☆
Assured Life$199.54$168.85$92.44
☆☆☆☆☆
Bankers Fidelity Assurance$120.97N/AN/A
☆☆☆☆☆
Blue Cross and Blue Shield of Louisiana$177.50$159.80$122.00
☆☆☆☆☆
Central States$156.42$116.92$93.33
☆☆☆☆☆
Colonial Penn$205.57$150.70$102.58
☆☆☆☆☆
Combined Insurance$157.11$114.97$132.96
☆☆☆☆☆
CSI Life$165.33$120.42$93.92
☆☆☆☆☆
Everest$137.72$107.69$92.44
☆☆☆☆☆
Gerber Life$190.93$151.40N/A
☆☆☆☆☆
Globe Life$167.00$151.00$125.00
☆☆☆☆☆
GPM Health and Life$194.26$132.86$111.26
☆☆☆☆☆
Humana$191.50N/A$126.50
☆☆☆☆☆
IAC$184.19$134.17$113.42
☆☆☆☆☆
Liberty Bankers Life$149.24$118.51$101.23
☆☆☆☆☆
Loyal Christian$148.91$107.88$89.58
☆☆☆☆☆
Medico$176.80$121.82$118.84
☆☆☆☆☆
Mutual of Omaha$169.96$139.08$100.55
☆☆☆☆☆
National Guardian Life$167.49$127.84$112.21
☆☆☆☆☆
Pan-American Life$159.86$123.15$107.91
☆☆☆☆☆
Pekin Insurance$163.58$118.44$97.46
☆☆☆☆☆
Philadelphia American$133.08$102.97N/A
☆☆☆☆☆
Puritan Life$157.65$119.38$97.42
☆☆☆☆☆
Renaissance Life$144.90$115.93$97.81
☆☆☆☆☆
Sentinel Security Life$213.45$113.15$97.66
☆☆☆☆☆
State Farm$163.71N/AN/A
☆☆☆☆☆
S.USA Life Insurance$145.76$117.38N/A
☆☆☆☆☆
Thrivent$150.68$118.99$100.51
☆☆☆☆☆
United American$188.00$162.00$150.00
☆☆☆☆☆
United Commercial Travelers$326.44$266.97$224.26
☆☆☆☆☆
USAA Life$153.68N/A$111.52
☆☆☆☆☆
Western United Life$143.58$108.58$94.58
☆☆☆☆☆

More Plan Options

The average Louisiana senior compares three or more plan options before making an enrollment decision.

Louisiana Medicare Supplement Plans: What's the Difference?

Most Medicare experts agree: Original Medicare, combined with Louisiana Medicare supplemental insurance, provides the best health care coverage Louisiana seniors can get. But, which supplement is the right one for you?

This is a complicated question. After all, we're all different and have different needs. For most of us, it boils down to what we can afford and our health. Although there are 10 standardized plans, most seniors choose one of three Medigap plans: F, G, and N. Keep reading and we'll explain why.

Related: Is Supplemental Medicare Insurance a Waste of Money?

Top 10 Medicare Supplement Plans in Louisiana

Looking for the best Plan F, G, or N available to Louisiana seniors?

  1. 10 Best Medicare Supplement Plan F
  2. 10 Best Medicare Supplement Plan G
  3. 10 Best Medicare Supplement Plan N

Looking for a different plan? Compare all Medicare supplement plans here. You can also write a Medicare supplement review and let others know about a good or bad experience with a particular carrier. You can also find a Medicare Advantage plan available in your area and compare their rates and benefits.

Louisiana Medicare Supplement Plan F Comparison Chart

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):

Top 10 Medigap Plan F in Louisiana

CarrierPremium[3]FeeReview[4]
American National$127.51None☆☆☆☆☆
Western United Life$143.58$25.00☆☆☆☆☆
Thrivent$150.68$25.00☆☆☆☆☆
USAA Life$153.68None☆☆☆☆☆
Globe Life$167.00None☆☆☆☆☆
Mutual of Omaha$169.96None☆☆☆☆☆
United American$188.00None☆☆☆☆☆
Philadelphia American$133.08$20.00☆☆☆☆☆
Everest$137.72$25.00☆☆☆☆☆
Renaissance Life$144.90$25.00☆☆☆☆☆
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Shop Plan F Rates ⟫

Louisiana Medicare Supplement Plan G Comparison Chart

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):

Top 10 Medigap Plan G in Louisiana

CarrierPremium[3]FeeReview[4]
American National$101.38None☆☆☆☆☆
Western United Life$108.58$25.00☆☆☆☆☆
Thrivent$118.99$25.00☆☆☆☆☆
Mutual of Omaha$139.08None☆☆☆☆☆
Globe Life$151.00None☆☆☆☆☆
United American$162.00None☆☆☆☆☆
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.
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Louisiana Medicare Supplement Plan N Comparison Chart

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):

Top 10 Medigap Plan N in Louisiana

CarrierPremium[3]FeeReview[4]
American National$86.33None☆☆☆☆☆
Western United Life$94.58$25.00☆☆☆☆☆
Thrivent$100.51$25.00☆☆☆☆☆
Mutual of Omaha$100.55None☆☆☆☆☆
USAA Life$111.52None☆☆☆☆☆
Globe Life$125.00None☆☆☆☆☆
United American$150.00None☆☆☆☆☆
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.
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Best Louisiana Medigap Plan Reviews

We review all major Medigap insurance carriers selling policies in Louisiana. Our 5-star ratings are unbiased. We use a complex formula that evaluates years in business, A.M. Best financial strength rating, plans serviced, plan premiums, and fees. Currently, our formula does not take rate increase history into account, so be sure to ask your agent for this information.

Our analysis of Medicare supplement insurance plans in Louisiana is based on a statewide review, not national. We recommend consumers use our 5-star ratings as one aspect of their decision-making process. It helps compare insurance carriers at-a-glance.

How Much do Medicare Supplement Plans Cost in Louisiana?

The Centers for Medicare and Medicaid updates their Medicare supplement cost information annually. We show estimated monthly premiums for all Medicare supplement insurance plans in Louisiana. Premiums shown come from our most recent review of each carrier and are based on a 65-year-old, non-smoking woman. Use our rates to compare carriers. Your agent will quote your final rate based on where you live, your current age, sex, and use of tobacco. Call 1-855-266-4865 to speak with an agent and get a quote.

Medicare Supplement Plans in Louisiana are Standardized

The Louisiana Department of Insurance and the federal government have worked together to standardize Medicare supplemental insurance policies. Insurance companies must clearly identify plans as Medicare Supplement Insurance and each Medigap policy must use a standardized letter code, A through N. Each lettered plan offers the same benefits, regardless of the carrier offering it. Only the rates are different. That means that a Plan F from AARP (UnitedHealthcare) has exactly the same health coverage as a Plan F from Blue Cross. The lettered plans make supplemental insurance easy to compare and understand vs. the HMO or PPO plans you can get through Medicare Advantage.

NOTE: Medigap, Medicare Supplements, and Medicare Plans are all names used interchangeably for supplemental insurance that fills the gaps (i.e., copay, coinsurance, and other major medical expenses) in Original Medicare coverage.

Each Medicare supplement insurance policy sold in Louisiana offers the basic benefits of Plan A. All other lettered plans after A feature additional levels of coverage. This allows you to choose the amount of additional insurance you need to cover the gaps in your Medicare Parts A and B benefits.

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:

  • Are not required to offer every Medigap plan
  • Must offer Medigap Plan A (basic benefits)
  • Must also offer Plan C or Plan F

For more information, visit the Louisiana Department of Insurance website at http://www.ldi.la.gov/.

Louisiana Med Supp Plan Comparison Chart

The following table shows, at-a-glance, the coverage you get with each of the standardized Medicare plans.

Medigap BenefitsABCDF*GKLMN
Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefifits are used upYesYesYesYesYesYesYesYesYesYes
Medicare Part B Coinsurance or CopaymentYesYesYesYesYesYes50%75%YesYes**
Blood (First 3 Pints)YesYesYesYesYesYes50%75%YesYes
Part A Hospice Care Coinsurance or CopaymentYesYesYesYesYesYes50%75%YesYes
Skilled Nursing Facility Care CoinsuranceNoNoYesYesYesYes50%75%YesYes
Medicare Part A DeductibleNoYesYesYesYesYes50%75%50%Yes
Medicare Part B DeductibleNoNoYesNoYesNoNoNoNoNo
Medicare Part B Excess ChargesNoNoNoNoYesYesNoNoNoNo
Foreign Travel Emergency (Up to Plan Limits)NoNoYesYesYesYesNoNoYesYes
Out-of-Pocket Limit***NoneNoneNoneNoneNoneNone$5,240$2,620NoneNone

* 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.

What is the Difference Between a Louisiana Medicare Supplement and a Medicare Advantage Plans?

It is natural to want to compare supplemental Medicare insurance plans with Medicare Advantage. After all, on the surface, it appears that Medicare Advantage plans cost less. And, if your employer or former employer assists you with the cost of copays, they do cost less. But, if you're like most people, and have to pay these costs out-of-pocket, they can be very expensive.

There are trade-offs with both types of plans, and it pays to learn the difference between Medicare supplements and Medicare Advantage plans so you can choose the right plan option for your needs. Medicare Advantage plans have many advantages and disadvantages.

How To Get Prescription Drug Coverage with a Medigap Policy in Louisiana

To get prescription drug coverage with a Medigap policy you need a stand-alone Medicare Part D plan. The most basic plans start at less than $20 and are worth getting, even if you don't have regular prescriptions.

You can join a Part D plan as soon as you have both your Part A and Part B benefits. But, don't delay. Once your initial enrollment has passed, you won't be able to join a plan until the next open enrollment period. Medicare's Annual Election Period for Part D plans every Fall from 15 October through 7 December.

CRITICAL: If you don't enroll in a Part D plan when you are first eligible, the Centers for Medicare and Medicaid Services will penalize you with additional fees when you want to join a plan later on. You may not have regular prescriptions now, but it pays to join a basic plan as soon as you can to avoid the penalty later.

Looking for More Information About Medigap Insurance in Louisiana?

If you're looking for more ways to lower your health care costs by reducing your out-of-pocket costs, these articles may help:

  • What are the Different Medicare Supplement Plans?
  • What is the Best Medicare Supplement Plan for 2021
  • Can you get a Medicare Supplement if you are on disability?
  • When can I change my Medicare supplemental insurance plan?
  • Are there any free Medicare Supplement plans?
  • How to Pick the Best Medicare Supplement Plan

Top Questions About Medicare Supplement Plans in Louisiana

We get a lot of great questions regarding Medigap plans in Louisiana. Here are the most common questions we answer.

How expensive are Medicare Supplements in Louisiana?

It all depends. Your age, gender, zip code, use of tobacco, and the exact plan you choose all need to be factored in. You can take advantage of our free quote service to find the lowest prices in your area.

Who has the best Medigap plan in Louisiana?

Here's a list of top carriers by cost in Louisiana:

  1. American National
  2. Western United Life
  3. Thrivent
  4. Mutual of Omaha
  5. Globe Life
You can compare all carriers here.

When can I enroll in a Medicare Supplement in Louisiana?

As a general rule, you can apply for a Medigap plan anytime, there isn't a specific open enrollment period. However, if you want to protect your guaranteed issue rights you should buy a policy as soon as you are eligible for Medicare Part B benefits. Here's a list of your top choices in Louisiana.

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] The sample premium is for a 65-year-old, non-smoking, woman living in Louisiana. The rate was accurate on the 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 February 26, 2021.

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Who is MedicareWire?
David Bynon
Chief Petty Officer David Bynon re-enlisting 15 September 2001.

Hello, my name is David Bynon.

I founded MedicareWire in 2011 after retiring from the Navy. I’ve made helping people like you my full-time retirement profession.

My goal is to help you see all the rates offered by insurance companies that sell Medigap policies in your area.

I am not an insurance agent.

My job is to make sure that you have the information you need to be comfortable with your plan decision. When it comes to choosing a Medigap plan, I want you to be able to see all rates and carriers before speaking with an agent.

To provide you with this free service, I need to ask you to provide your age, gender, zip code, and email address. I promise to keep your information secure. You can count on me not to share, sell, or otherwise divulge your information to anyone.

Yours in Better Medicare.

David Bynon

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