Many Lafayette, Louisiana, Medicare beneficiaries with Original Medicare Part A and B. Those people have fee-for-service Medicare, while others have a Medicare Advantage plan for a 26% MA participation rate.
Though 26% Medicare Advantage participation is lower than the 42.1% national average, there are several other supplemental Medicare options available in Lafayette that thousands of enrollees benefit from each year.
Medicare plans in Lafayette, Louisiana
There are three types of supplemental Medicare in to help residents of Lafayette, Louisiana, entitled to Original Medicare: Medicare Advantage, Medicare Supplement plans, and Medicare Part D. Unlike Original Medicare Part A and B, there is no federal cost standardization for supplemental policies, and their prices vary depending on your provider, location, age, and gender.
The charts below reflect the average prices for a typical 65-year-old male Lafayette, Louisiana, Medicare enrollee.
Medicare Advantage plans
Lafayette, Louisiana, has 29 Medicare Advantage plans available for Original Medicare enrollees. That’s one of the state’s highest Medicare Advantage plan densities and includes several low-cost options.
Humana’s HMO Medicare Advantage plan is one of Lafayette’s most well-regarded and affordable options. In addition to a $0 monthly premium and $3,700 maximum out-of-pocket (MOOP) rate, the plan has a perfect five-out-of-five star rating on metrics that grade Medicare plans’ coverage effectiveness. It even includes fitness coverage.
Peoples Health also offers a five-star rated Lafayette, Louisiana, Medicare Advantage plan with a $0 premium. Unlike Humana’s Medicare Advantage option, the Peoples Health policy is a Local PPO plan with a $6,700 MOOP. Under this plan, Tier 1 prescription drugs cost you $0.
Aetna offers another well-regarded Local PPO Medicare Advantage plan. It’s rated four stars and has a $0 premium and a $6,900 MOOP. It also includes prescription drug coverage.
The average cost of Medicare Advantage plans in Lafayette, Louisiana
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Peoples Health | $0 | $6,700 | LOCAL PPO | 5 |
| Humana | $0 | $3,700 | HMO | 5 |
| Wellcare | $0 | $7,550 | HMO | N/A |
| BCBS of Louisiana | $0 | $7,550 | LOCAL PPO | 3 |
| Aetna | $0 | $6,900 | LOCAL PPO | 4 |
Medicare Supplement plans
Medicare Supplement plans, which many people know as “Medigap plans,” are optional packages that add coverage to your Original Medicare.
There are ten Medicare Supplement plans in Lafayette, Louisiana, each with different prices and coverage amounts. However, the federal government standardizes Medicare Supplement benefits so that each policy has the same coverage regardless of which provider you choose.
Plan F is one of the most popular Medicare Supplement plans in Lafayette, Louisiana, and the most enrolled-in Medigap plan nationwide. It offers more healthcare benefits than any other Medicare Supplement plan, but the premiums are the most expensive, ranging from $142.25 to $396.25. Those high premiums do come with many benefits.
Plan G is another popular Lafayette, Louisiana, Medicare Supplement plan. It has everything included in Plan F aside from Part B deductible coverage and has a nearly identical average price range from $121.05 to $383.02. Plan G includes nursing home coverage for those who need it.
Plan N is one of the best low-cost Medicare Supplement options for anyone who needs the essential Medigap benefits without the extra coverage or high costs of Plan F or G. Premiums for Plan N range from $92.40 to $353.30. That said, it still does fill in some Medicare gaps.
The average cost of Medicare Supplement plans in Lafayette, Louisiana
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $83.09 | $349.60 |
| PLAN B | $128.99 | $326.56 |
| PLAN C | $159.49 | $395.12 |
| PLAN D | $124.44 | $317.96 |
| PLAN F | $142.25 | $396.25 |
| PLAN HDF | $36.00 | $82.20 |
| PLAN G | $121.05 | $383.02 |
| PLAN HDG | $36.00 | $78.66 |
| PLAN K | $54.27 | $136.37 |
| PLAN L | $75.50 | $229.90 |
| PLAN M | $97.59 | $249.96 |
| PLAN N | $92.40 | $353.30 |
Medicare Part D prescription drug plans
Medicare Part D plans offer prescription drug coverage for most types of medication. Part D is the only supplemental Medicare option with medication coverage, aside from a small handful of Medicare Advantage plans, so they’re popular among enrollees with regular medication expenses.
Aetna’s Part D coverage has the lowest premium rates in Lafayette, Louisiana, at $6.40. The plan also has a $480 deductible and a three-star rating. It features $0 copays on Tier 1 prescription drugs.
Lafayette, Louisiana, Medicare Part D plan has a more expensive premium than Aetna’s at $29.30 but a lower $310 deductible. It’s also rated four stars. It features $0 copays on Tier 1 prescription drugs.
Another popular four-star Part D option comes from Humana. It has a $480 deductible and costs $22.70 in premiums. The plan works with many different pharmacies to remain accessible to its members.
The average cost of Medicare Part D plans in Lafayette, Louisiana
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Aetna | $6.40 | $480 | 3 |
| Wellcare | $12.90 | $480 | 3 |
| Clear Spring | $16.20 | $480 | 2 |
| Humana | $22.70 | $480 | 4 |
| $29.30 | $310 | 4 |
Special Needs plans
Medicare Special Needs Plans (SNPs) are a subset of Medicare Advantage plans that offer unique coverage for enrollees with chronic disabilities or special medical needs. SNPs aren’t available at every location or provider, but Lafayette, Louisiana, has a handful of affordable options.
Wellcare’s HMO dual-eligibility SNP costs less than any option in Lafayette, Louisiana. It has a $0 premium and $3,400 MOOP. The plan even covers transportation to and from your appointments.
Humana and Peoples Health also have popular HMO Special Needs Plans with $0 premiums. Each has a $3,450 MOOP. Both cover vision, dental, and hearing loss.
and Aetna’s HMO SNPs have $0 monthly premiums, $7,550 MOOPs, and dual eligibility. Both include the option of a personal care team. They even allow for certain over-the-counter products.
The average cost of Medicare Special Needs plans in Lafayette, Louisiana
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Wellcare | $0 | $3,400 | HMO | Dual |
| Humana | $0 | $3,450 | HMO | Dual |
| $0 | $7,550 | HMO | Dual | |
| Aetna | $0 | $7,550 | HMO | Dual |
| Peoples Health | $0 | $3,450 | HMO | Dual |
How to sign up for Medicare in Lafayette
If you’re looking for supplemental Medicare in Lafayette, Louisiana, Medigap.com is the perfect resource to help you find the best plan and rate for your needs.
Our licensed insurance agents compare plans and rates from all providers in Lafayette so that you can find the right coverage at the best price. Plus, our team is available to answer any questions you may have about supplemental Medicare or our services.
Call us today to connect with the best rates in your area, or fill out our convenient and quick online rate form.
