by Russell Noga | Updated October 3rd, 2024
Original Medicare helps retirees in Louisiana cope with the out-of-pocket medical and hospital expenses not covered by their Original Medicare Parts A & B policies.
Medicare supplement plans, known as “Medigap,” come in ten versions, A, B, C, D, F, G, K, L, M, & N, with plans F, G, & N being the most popular options in the United States.
Plans F, G, and N vary in prices depending on personal factors such as age, gender, tobacco use, and location. Prices vary between insurers, and this article gives you information on the best Medicare supplement plans Louisiana has to offer.
We’ll look at the most popular plans, F, G, & N, and give you the providers offering the best rates.
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Contact our fully licensed agents at 1-888-891-0229 for a free quote on any Medigap plan.
Our teams offer you a free consultation to find the right Medigap policy for 2025 to suit your needs and the best rates in The Bayou State.
Or you can get a free quote using our automated quoting tool on our site or leave your details on our contact form, and we’ll get an agent to call you back to discuss your requirements.
The Best Healthcare Insurers for Medicare Supplement Plans Louisiana
You can buy a Medigap policy from leading healthcare insurers in Louisiana. Each provider has a different rate on monthly premiums, with the following companies offering the best rates on Plans F, G, & N.
- Aetna
- Liberty Bankers
- Atlantic Coast Life
- Blue Cross Blue Shield of Louisiana
- Catholic Life Insurance
- Cigna
- Colonial Penn
- elipsLife
Blue Cross Blue Shield of Louisiana offers you the best monthly premiums on Plans G & N, and Physicians Mutual has the best rate on a Plan F policy.
- Best Plan G – Blue Cross and Blue Shield of Louisiana
- Best Plan F – Physicians Mutual
- Best Plan N – Blue Cross and Blue Shield of Louisiana
The Popular Provider for Medicare Supplement Plan G Louisiana – Blue Cross Blue Shield of Louisiana
34 insurers offer Plan G in Louisiana, with the market monthly premium average being $141.40.
Blue Cross Blue Shield of Louisiana has the best rate on Plan G premiums at $104.60 monthly. Cigna is the most expensive provider with a monthly premium of $145.10, saving you $40 by going with BCBS.
The company also offers a Plan G SELECT policy for $89.20 per month, but you have restrictions on the providers you can use.
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What Does Plan G Cover?
Plan G covers you for everything but the Part B deductible.
You get lower premiums than Plan F, and the discounted rate on annual Plan F premiums for Plan G usually accounts for the deductible.
- Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits expire.
- Part B coinsurance or copayments.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- Part B excess charges.
- 80% of foreign travel exchange (up to plan limits).
The Popular Provider for Medicare Supplement Plan F Louisiana – Physicians Mutual
Plan F is available for 22 providers in Louisiana, and the market average across all companies for the policy is $207.20 per month.
Physicians Mutual offers the best rates on Plan F premiums at $165.40 monthly.
UnitedHealthcare is the most expensive provider, charging $292.10 per month, saving you $127 if you go with Physicians Mutual. Cigna is the next best option if you want additional benefits involving dental, hearing, and vision, charging a monthly premium of $208.66.
What Does Plan F Cover?
Plan F is the most popular Medigap plan because it covers all your Part A & B out-of-pocket expenses.
However, it’s only available to seniors eligible for Medicare before January 1, 2020.
- Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits expire.
- Part B coinsurance or copayments.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- Part B deductible.
- Part B excess charges.
- 80% of foreign travel exchange (up to plan limits).
The Popular Provider for Medicare Supplement Plan N Louisiana – Blue Cross Blue Shield of Louisiana
34 providers offer Plan N in Louisiana, with the market average being $120.80 per month across all providers.
Blue Cross Blue Shield of Louisiana has the most affordable Plan N premium at $76.60 monthly. UnitedHealthcare is the most expensive option at $108.30 per month, so BCBS can save you $32 at that rate.
Blue Cross Blue Shield of Louisiana also offers a SELECT Plan N policy for $62.50, but you have network restrictions on the doctors and hospitals you can use, and there’s no coverage out of state.
What Does Plan N Cover?
Plan N offers good coverage for an affordable premium, which is why it’s one of the most popular plans for healthy seniors.
You’ll have to make a $20 copayment when visiting the doctor and a $50 copayment at the emergency room unless you’re admitted into the hospital.
- Part A coinsurance and hospital costs up to an additional year after Medicare benefits expire.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- 80% of foreign travel exchange (up to plan limits).
Plan N doesn’t cover the Part B deductible or excess charges. Excess charges apply if you see a doctor or medical practitioner charging more than Medicare Assignment – the term for Medicare-approved rates.
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What Do Plans F, G, & N Not Cover?
Plans G & N don’t cover the Part B deductible, and all plans offer no coverage for vision, dental, and hearing services.
However, some providers offer discounts on these services with their preferred partners or sell additional policies to cover these expenses.
Plans F, G, & N don’t cover the costs of private duty nursing, long-term stays at unskilled nursing facilities, or acupuncture and physiotherapy treatments.
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Frequently Asked Questions
What are the key benefits of Medicare Supplement Plans in Louisiana for 2025?
Medicare Supplement Plans in Louisiana for 2025 offer a range of benefits, including coverage for deductibles, copayments, and coinsurance not covered by Original Medicare. These plans also provide coverage for healthcare services received outside the United States, which can be beneficial for frequent travelers.
How can I qualify for Medicare Supplement Plans in Louisiana for 2025?
To qualify for a Medicare Supplement Plan in Louisiana, you must already be enrolled in Medicare Part A and Part B. Additionally, you generally need to apply for a supplement plan during the open enrollment period, which is a six-month period that starts on the first day of the month you turn 65 and are enrolled in Part B.
Are all Medicare Supplement Plans in Louisiana the same for 2025?
No, Medicare Supplement Plans in Louisiana for 2025 are standardized and labeled with letters (A, B, C, D, F, G, K, L, M, and N). Although the basic benefits are the same within each plan type, costs and coverage may vary between insurance companies.
Can I switch Medicare Supplement Plans in Louisiana for 2025?
Yes, you can switch Medicare Supplement Plans in Louisiana for 2025. However, it’s important to note that you may be subject to medical underwriting if you apply for a new plan outside your initial enrollment or guaranteed issue rights period.
What is the cost of Medicare Supplement Plans in Louisiana for 2025?
The cost of Medicare Supplement Plans in Louisiana for 2025 can vary depending on several factors, including the plan type you choose, your age, gender, and location. It’s advisable to compare prices from different insurance providers to find the best rates for your specific needs.
Do Medicare Supplement Plans in Louisiana for 2025 cover prescription drugs?
No, Medicare Supplement Plans do not include prescription drug coverage. If you want coverage for prescription drugs, you would need to enroll in a separate Medicare Part D plan.
Are Medicare Supplement Plans in Louisiana for 2025 accepted by all healthcare providers?
Medicare Supplement Plans in Louisiana for 2025 generally allow you to visit any healthcare provider who accepts Medicare. However, it’s always a good idea to check with the provider’s office to ensure they accept your specific supplement plan.
Can I keep my Medicare Supplement Plan if I move to another state?
Yes, you can typically keep your Medicare Supplement Plan if you move to another state. However, the cost and availability of plans may vary between states, so it’s important to review your options and consider any changes in coverage or costs that may occur.
Are there any guaranteed issue rights for Medicare Supplement Plans in Louisiana for 2025?
Yes, there are certain situations where you have guaranteed issue rights for Medicare Supplement Plans in Louisiana. For example, if you’re losing employer-sponsored coverage, your Medicare Advantage plan is leaving your area, or your current supplement plan is discontinuing its coverage, you may have guaranteed issue rights.
Can I have a Medicare Advantage plan and a Medicare Supplement Plan at the same time in Louisiana for 2025?
No, you cannot have both a Medicare Advantage plan and a Medicare Supplement Plan at the same time. These two types of plans cannot be used together to provide coverage. You need to choose one or the other based on your healthcare needs and preferences.
Find the Right Medicare Plan for You
Finding the right Medicare plan doesn’t have to be stressful. Whether it’s a Medigap plan or you have questions about Medicare Advantage or Medicare Part D, we can help.
Reach out today at 1-888-891-0229 and one of our knowledgeable, licensed insurance agents will be happy to assist you!
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Russell Noga is the CEO and Medicare editor of Medisupps.com. His 15 years of experience in the Medicare insurance market includes being a licensed Medicare insurance broker in all 50 states. He is frequently featured as a featured as a keynote Medicare event speaker, has authored hundreds of Medicare content pages, and hosts the very popular Medisupps.com Medicare Youtube channel. His expertise includes Medicare, Medigap insurance, Medicare Advantage plans, and Medicare Part D.