Did you know that even though Medicare is a federally regulated program, privately offered Medicare plans can differ by state? If you’re one of almost one million people in Louisiana who either have Medicare or are nearing Medicare eligibility, this is your ultimate guide for understanding types of Louisiana Medicare plans, what types of services are covered, whether or not you’re eligible, and more.
To be eligible for Medicare in Louisiana, you must be over the age of 65 or within three months of your 65th birthday. If you are not old enough, you can still qualify if you are diagnosed with ESRD (End-Stage Renal Disease) or ALS (Lou Gehrig’s Disease). Alternatively, if you have a disability and are receiving SSDI (Social Security Disability Insurance), you will be enrolled in Medicare automatically after two years.
Original Medicare Louisiana consists of Part A and Part B. Part A is what will cover hospital, hospice, home health, and nursing home care, while Part B is what will cover your regular doctor visits and wellness checkups and other medical services. To get prescription drug coverage, you’ll have to add either a Part D (standalone prescription drug plan) or a Part C plan with the prescription drug benefit added.
Once you have Medicare parts A and B, you can choose from a few options that will provide you with even more benefits.
Louisiana Medicare Advantage plans (MA), otherwise known as Medicare Part C, offer a range of different benefits at different costs. MA plans vary by parish, so the same options may not be available for everyone. However, some examples of benefits that Louisiana Medicare Advantage plans provide are: prescription drugs, eyeglasses and vision, hearing aids and hearing exams, dental, physical fitness, transportation, and more.
Medicare Supplements are commonly referred to as “Medigap” plans because they exist to “fill the gap” between what Medicare covers and what other health care costs you may have. Louisiana Medicare Supplement plans vary by parish, but generally can help you pay for your deductibles, copayments, and coinsurance.
We know this is not the answer you want to hear, but there really is not one best Medicare plan in Louisiana. The best option for you may be a bad option for your neighbor or even your spouse. That’s why there are so many different privately offered Medicare plans in Louisiana that you can choose from, and that’s why we have hundreds of agents throughout the state of Louisiana.
Our licensed agents can help you choose the best Medicare plan in Louisiana for you and your needs.
If you’ve worked for most of your life and paid Medicare taxes, you’ll have premium-free Medicare Part A. If you never paid Medicare taxes, you’ll pay up to $437 per month (2019). The standard Part B premium is $135.50 (2019), but that can change based on your income. If you choose to enroll in a Medicare Advantage or Medicare Supplement plan, some or all of those costs will be covered.
If you have a plan through a private carrier (like a standalone Part D, Medicare Advantage, or Medicare Supplement plan), your plan will have a network, or a list of clinics, doctors, pharmacies, and hospitals that accept your plan. If you can’t find your plan network, you can use an online tool like ZocDoc or doctor.com, where you can enter your plan and zip code and find a doctor near you who accepts your plan.
To apply for Louisiana Medicare for the first time (and get Parts A and B), visit or call Social Security. To get more benefits and find out what other options you may qualify for, consider scheduling an appointment with a licensed agent who has information about plans from all different plans in your parish.
If you are one of nearly one million people who have Medicare in Louisiana or are nearing Medicare Louisiana eligibility, or if you have a loved one who needs help understanding their Medicare plan, you’re in luck! We have agents in almost every Louisiana parish who can help you better understand your coverage and savings options surrounding Medicare in Louisiana.
To get started, either complete this form to request a call or go ahead and give us a call at 833-GET-ENROLLED (833-438-3676).
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