Lake Charles, Louisiana, has 48,305 Original Medicare enrollees with Part A and B. Among those who are beneficiaries with comprehensive Original Medicare coverage, only 22.7% have a Lake Charles, Louisiana, Medicare Advantage plan.
Medicare Advantage plans are some of the most popular ways Original Medicare beneficiaries expand their healthcare coverage, but they’re far from the only options available.
Medicare plans in Lake Charles, Louisiana
There are three primary forms of supplemental Medicare available in Lake Charles, Louisiana:
- Medicare Part D plans
- Part C (Medicare Advantage) plans
- Medicare Supplement plans
Unlike Original Medicare, private insurance companies control additional Medicare plans and change their prices based on location, age, gender, and other factors.
Since there is no price standardization, we’ll look at the average costs for a 70-year-old female entitled to Original Medicare in Lake Charles, Louisiana, Medicare enrollee to give you a sense of what you might pay for each supplemental package.
Medicare Advantage plans
Lake Charles, Louisiana Medicare enrollees, and other Calcasieu Parish County residents can choose among 21 different Medicare Advantage plans. Though there aren’t as many options in Lake Charles as in major Louisiana cities, enrollees still have plenty of affordable plans.
BCBS of Louisiana’s Lake Charles HMO Medicare Advantage plan is one of the city’s most affordable, with a $0 premium and $4,900 maximum out-of-pocket (MOOP) rate.
Peoples Health has one of the cheapest local PPO Lake Charles, Louisiana Medicare Advantage plans. It has a $0 premium and $6,700 MOOP.
Medicare Advantage plans receive a rating from one to five stars that grade their coverage effectiveness, and Lake Charles, has several four-star options. One of the cheapest is Vantage Health’s HMO POS $0 premium, $5,900 MOOP option.
The average cost of Medicare Advantage plans in Lake Charles, Louisiana
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Vantage Health | $0 | $5,900 | HMO-POS | 4 |
| BCBS of Louisiana | $0 | $4,900 | HMO | 3 |
| Aetna | $0 | $7,000 | LOCAL PPO | 4 |
| Humana | $0 | $7,550 | REGIONAL PPO | 4 |
| Peoples Health | $0 | $6,700 | LOCAL PPO | N/A |
Medicare Supplement plans
Medicare Supplement plans, known commonly as “Medigap plans,” are federally standardized options for extra Medicare benefits. The standardization ensures that each ten Lake Charles, Louisiana, Medicare Supplement plan has the same benefits regardless of your provider.
However, federal standardization for Medigap coverage doesn’t apply to premium costs, and insurance companies tinker with their rates based on several criteria.
Plan F is the most popular and comprehensive Medigap plan in Lake Charles, Louisiana, but it’s also the most expensive on average. Plan F premiums typically cost anywhere from $133.35 to $442.75.
Lake Charles, Louisiana, Medicare beneficiaries who want the extensive coverage of Plan F without the high monthly costs often choose High-Deductible Plan F (HDF) instead. Plan HDF is a subset of Plan F with the same benefits but a higher-priced deductible in exchange for a discounted premium range of $40 to $92.33.
Plan N is a popular choice for Medicare enrollees who want the basic Medigap benefits but don’t need everything in Plan F. Premiums are typically much cheaper, ranging from $86.53 to $313.40.
The average cost of Medicare Supplement plans in Lake Charles, Louisiana
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $80.74 | $384.97 |
| PLAN B | $125.46 | $394.49 |
| PLAN C | $147.17 | $439.40 |
| PLAN D | $124.58 | $384.04 |
| PLAN F | $133.35 | $442.75 |
| PLAN HDF | $40.00 | $92.33 |
| PLAN G | $111.08 | $371.50 |
| PLAN HDG | $38.00 | $79.31 |
| PLAN K | $52.77 | $155.89 |
| PLAN L | $69.67 | $247.11 |
| PLAN M | $90.73 | $278.85 |
| PLAN N | $86.53 | $313.40 |
Medicare Part D prescription drug plans
Medicare Part D covers prescription drug costs for nearly all types of medication. Part D plans are popular supplemental options since Medigap, and most Medicare Advantage plans don’t include medication coverage.
Aetna’s Lake Charles, Louisiana, Medicare Part D plan has the lowest premium at $6.40 per month. It also has a $480 deductible and a three-star rating.
Part D option has a higher $29.30 premium but a more affordable $310 deductible. The plan also has a four-star rating.
Humana has another popular four-star Part D plan. It has a $22.70 premium and a $480 deductible.
The average cost of Medicare Part D plans in Lake Charles, 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 subsets of Medicare Advantage with coverage for people with chronic disabilities or specialized medical needs. These plans aren’t available in every location, but Lake Charles has a few popular and affordable options.
Peoples Health and Humana have affordable dual eligibility HMO Special Needs Plans with $0 premiums and $3,450 MOOP rates.
Vantage Health has a popular HMO-POS Special Needs plan with a $36.40 premium and $7,550 MOOP.
Aetna has another sought-after HMO option with a $0 premium and $7,550 MOOP.
The average cost of Medicare Special Needs plans in Lake Charles, Louisiana
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Peoples Health | $0 | $3,450 | HMO | Dual |
| Humana | $0 | $3,450 | HMO | Dual |
| Aetna | $0 | $7,550 | HMO | Dual |
| Healthy Blue | $0 | $7,550 | HMO | Dual |
| Vantage Health | $36.40 | $7,550 | HMO-POS | Dual |
How to sign up for Medicare plans in Lake Charles
If you’re looking for supplemental Medicare in Lake Charles, Medigap.com can help. We work with all local providers and compare rates and policy terms so that you can find the best supplemental plan for your needs.
Get started today by calling our team or completing our online rate form to receive the best rates in your area.
