Medicare Advantage plans provide extended coverage to beneficiaries, lowering overall healthcare costs. Louisiana has 880,000 Medicare beneficiaries, 34% enrolling in Medicare Part C plans. This article examines the Louisiana Medicare Advantage plans currently available.
Louisiana Medicare Advantage plans
Despite its valuable benefits, the Medicare program leaves significant coverage gaps. Medicare Advantage plans are an excellent option for beneficiaries concerned about rising medical costs. Because private insurance companies establish and support these plans, the benefits differ from one provider to another.
Medicare Advantage plans offered in Louisiana
Government standards govern Original Medicare and Medigap coverage across the country, but Medicare Advantage plans don’t fall under this regulation. Therefore, benefits will differ depending on the specific plan. Additionally, these figures are specific to a single zip code in Louisiana, so your results may vary in your area of the state.
Here are some of the choices Louisiana Medicare Advantage plan beneficiaries have. It’s good to research which plan best carefully fits your needs since some have specific advantages like no premiums or lower deductibles.
Medicare Advantage plans with a zero-dollar premium in Louisiana
Although a zero-dollar-premium plan may seem enticing to many beneficiaries, there are also downsides. When a beneficiary undergoes an operation or spends several days in the hospital, a higher deductible will result in much higher costs.
Although the monthly savings may outweigh the lump sum costs, planning is crucial for beneficiaries with these plans.
Louisiana beneficiaries have an excellent option for a Medicare Advantage provider in Humana (HMO). Their plan received a five-star rating and offered a zero-dollar premium, all with an affordable MOOP (maximum out-of-pocket) of $3,700.
Aetna (Local PPO) is also an option for Louisiana beneficiaries. Although MOOP has a four-star rating and no monthly fee, it’s more expensive than other options. The plan is still a solid choice despite its slightly imposing MOOP of $7,550.
Local PPO plans from Peoples Health provide adequate coverage at a competitive price. Louisiana beneficiaries can use Peoples Health as an alternative to HMOs with a $6,700 MOOP and no monthly premium.
| PLAN | PREMIUM | MOOP | PLAN TYPE | STAR RATINGS |
| Peoples Health | $0 | $6,700 | LOCAL PPO | N/A |
| Humana | $0 | $3,700 | HMO | 5 |
| Wellcare | $0 | $3,400 | HMO | 3 |
| BCBS of Louisiana | $0 | $3,900 | HMO | 3 |
| Aetna | $0 | $7,550 | LOCAL PPO | 4 |
Zero-dollar drug deductible plans in Louisiana
Wellcare’s Medicare Advantage plans with no drug deductibles are the most affordable in Louisiana. As well as earning a solid three-star rating, it also impresses by offering the lowest MOOP in the area of $3,400 and a zero-dollar premium.
The Louisiana plan offered by Humana is a great choice as well. Its five-star rating is perfect, and there is no premium to pay. Additionally, its $3,700 MOOP makes it an affordable option for Louisiana residents.
Louisiana beneficiaries may also want to consider Oschner Health. The MOOP for this plan is $3,500, and there are no premiums. Moreover, Oschner’s program received a four-star rating, so beneficiaries can be confident they picked the right plan.
| PLAN | PREMIUM | MOOP | PLAN TYPE | STAR RATINGS |
| Peoples Health | $0 | $6,700 | LOCAL PPO | N/A |
| Humana | $0 | $3,700 | HMO | 5 |
| Wellcare | $0 | $3,400 | HMO | 3 |
| BCBS of Louisiana | $0 | $3,900 | HMO | 3 |
| Ochsner Health | $0 | $3,500 | HMO | N/A |
5-star plans in Louisiana
Beneficiaries may qualify for a Special Enrollment Period in Louisiana Medicare Advantage if they select a five-star plan. Beneficiaries can benefit from this period because it simplifies the enrollment process, so it’s worth considering while making your decision.
In Louisiana, Humana provides a five-star Medicare Part C plan in the state. In addition, Humana’s plan earned the highest possible rating so that beneficiaries can expect exceptional service and coverage. The other option for beneficiaries in the state is the Peoples Health plan, which is a bit more expensive but offers PPO coverage.
| PLAN | PREMIUM | MOOP | PLAN TYPE | STAR RATINGS |
| Humana | $0 | $3,700 | HMO | 5 |
| Peoples Health | $0 | $6,700 | LOCAL PPO | 5 |
Part B plans reduction in Louisiana
Beneficiaries of the following plans can save much money by taking advantage of the Part B reduction. However, it’s essential to note that the Part B reduction may not be available in every area.
With Wellcare, you’ll receive the best Part B discounts in the state. In addition to offering a $60 reduction, the plan features a $7,550 MOOP, which may be high for some beneficiaries.
Peoples Health’s plan also offers a reduced Part B premium. This reduction of $60 can help those who are on a budget.
Lastly, Humana’s plan offers a lower discount of $35. But, despite its low reduction, the plan’s five-star rating and MOOP of $3,700 make it one of the best overall options in Louisiana.
| PLAN | PREMIUM | MOOP | PART B REDUCTION | STAR RATINGS |
| Humana | $0 | $3,700 | $35.00 | 5 |
| Peoples Health | $0 | $6,700 | $60.00 | N/A |
| Ochsner Health | $0 | $3,500 | $30.00 | N/A |
| Wellcare | $0 | $7,550 | $60.00 | N/A |
| Humana | $0 | $6,700 | $50.00 | 4 |
Ancillary/DVH
Among the many benefits of Medicare Advantage plans is that they usually cover dental and vision care. Although they aren’t part of Original Medicare and Medigap, these aspects of coverage play a crucial role in maintaining health. This advantage of Medicare Advantage plans is why many beneficiaries choose them as supplemental coverage.
Estimated premium rates for Medicare Advantage plans in Louisiana cities
The accompanying charts provide an estimation of premiums for Medicare Advantage options in the following cities:
FAQs
Who is eligible for Medicare Advantage in Louisiana?
If you qualify for Original Medicare in Louisiana, you also qualify for a Medicare Advantage plan.
Can you get Medicare Advantage at 62 in Louisiana?
In most cases, residents become eligible for Medicare at age 65. However, exceptions exist for specific disabilities and illnesses.
What is the difference between Medicare Advantage plans and Original Medicare in Louisiana?
While the federal government provides Original Medicare coverage, private insurance providers offer Medicare Advantage plans. This system results in solid competition but reduced regulation and oversight.
What are the top three Medicare Advantage plans in Louisiana?
Louisiana’s top three Medicare Advantage providers are Aetna, Humana, and . Each of these providers is trusted and experienced, giving beneficiaries excellent options.
What are the four types of Medicare Advantage plans in Louisiana?
In Louisiana, there are four types of Medicare Advantage plans. Depending on their needs, beneficiaries may decide between an HMO, PPO, PFFS, or special needs plan (SNP).
How to get help enrolling in a Louisiana Medicare Advantage plan
Louisiana Medicare beneficiaries have access to many great Medicare plans and can get the best rates today by working with our licensed insurance agents.
We have experts who love helping people find the right plan for their needs and would be happy to help you find the perfect coverage for your healthcare needs.
Please give us a call today or fill out our online rate form today to get started!
