Medicare Supplement Plans in Louisiana
On this page we help consumers: Compare Louisiana Medicare supplemental insurance. See premiums, fees, and reviews on all LA Medigap plans, including Plan F, G, and N.
| Insurance Carrier | Plan F | Plan G | Plan N | Rating | |
|---|---|---|---|---|---|
| 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 | $120.97 | N/A | N/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 | $151.40 | N/A | | |
| Globe Life | $167.00 | $151.00 | $125.00 | | |
| GPM Health and Life | $194.26 | $132.86 | $111.26 | | |
| Humana | $191.50 | N/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 | $102.97 | N/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 | $163.71 | N/A | N/A | | |
| S.USA Life Insurance | $145.76 | $117.38 | N/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 | $153.68 | N/A | $111.52 | | |
| Western United Life | $143.58 | $108.58 | $94.58 | | |
Compare Plan RatesThe average Louisiana senior compares three or more quotes before making an enrollment decision. | |||||
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
Looking for a different plan? Compare all Medicare supplement plans here.
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):
| 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 | |
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):
| 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. | |||
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):
| 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. | |||
Abour our Louisiana Supplemental Medicare Insurance Reviews
We evaluate all Medicare Supplement companies servicing policies in Louisiana. Our reviews are unbiased. We use a mathematical formula that considers years in business, A.M. Best financial strength rating plans serviced, plan premiums and fees. We do not evaluate rate increase history, so be sure to ask your agent to provide this information.
We review Medicare Supplement Plans in Louisiana head-to-head, statewide. We recommend consumers use our 5-star ratings as one aspect of their decision-making process. It helps compare insurance carriers at-a-glance. Call 1-855-266-4865 to speak with an agent and get a quote.
How Much do Louisiana Medigap Plans Cost?
We list sample monthly premiums for all Medigap Plans in Louisiana. Premiums reviewed are samples based on a 65-year-old, non-smoking woman and include applicable household discounts. Use our review rates to compare insurance carriers. The rates your health insurance agent quotes will be based on where you live, your age, sex and use of tobacco products. Call 1-855-266-4865 to get quoteCall 1-855-266-4865 to speak with an agent and get a quote.
Medigap Plans in Louisiana are Standardized
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 fills 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/.
Louisiana Medigap Plan Comparison Chart
The comparison chart below shows the benefits offered by each standardized Medigap plan.
| 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.
Got questions about Medicare Supplement Insurance in Louisiana?
Try one of these answers:
- What are Medicare Supplement Plans?
- Medicare Supplement Plans Comparison Chart
- Best Medicare Supplement Plans
- Best medicare Supplement Plans Reviews
- Are Medicare Supplement Plans Worth it?
- Medicare Supplement Plans for Disabled Under 65
- Can I Change Medicare Supplement Plans Anytime?
- Medicare Supplement vs Advantage Plans
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 .