The Best Medicare Supplement (Medigap) Plans in Louisiana

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  • Louisiana Medigap — or Medicare supplement — plans can help seniors cover the cost of medical treatment. Check out our Louisiana Medicare supplement reviews to find a plan that works for you.

Louisiana Medicare supplement plans are exactly what they sound like. They're insurance plans in the state of Louisiana that offer supplemental coverage to your Medicare Part A and B coverage. Parts A and B are known as Original Medicare, and they can leave you with out-of-pocket costs. For example, Part B only covers 80% of most charges once you meet your deductible. A Medicare supplement (or Medigap) plan helps cover the cost leftover by Medicare so you don't have to.

Despite this benefit, only around 153,000 Medicare beneficiaries in the state of Louisiana have Medigap coverage. That's only about a quarter of Medicare beneficiaries in the state. If you're one of the people enrolled in Original Medicare without Medigap coverage in Louisiana, start with the research below to find a potential plan to reduce your medical costs. 

You can find Medicare Supplement plans where you live by comparing plans from several different insurance companies online.

What Are the Best Louisiana Medicare Supplement Plans?

There are 10 types of Medicare supplement plans available in the state of Louisiana. They're designated by letters, and you can see a breakdown of the benefits of each option in the chart below. 

Medicare Supplement Insurance Plans 2022
Medicare Supplement Benefits A B C1 D F1 G K L M N
Part A coinsurance and hospital costs
Part B coinsurance or copayment 50% 75%
First 3 pints of blood 50% 75%
Part A hospice care co-insurance or co-payment 50% 75%
Co-insurance for skilled nursing facility     50% 75%
Medicare Part A deductible   50% 75% 50%
Medicare Part B deductible                
Medicare Part B excess charges                
Foreign travel emergency     80% 80% 80% 80%     80% 80%
1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,490 in 2022. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
3. Plan K has an out-of-pocket yearly limit of $6,620 in 2022. Plan L has an out-of-pocket yearly limit of $3,310 in 2022.
4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission.
View an image version of this table.

All Medigap plans offered in the state cover Part A coinsurance and an extra 365 days of hospital coverage past typical Medicare coverage. They all provide Medicare Part B copay coverage, but K and L plans do not provide 100% coverage. Some plans cover the Part B deductible while others don't, and some have other limitations on what they cover.

In general, the three most popular plans are F, G and N. Plan F is not available to anyone who became eligible for Medicare after January 1, 2020, though. F and G plans are popular because the premiums tend to be lower. They do, however, have a high deductible you must cover before the insurance starts picking up expenses. 

Plan N may also come with less expensive premiums. It offers 100% coverage of the Medicare copays with a $20 copay of its own for some doctor's visits. If you go to the emergency room, the copay might be $50.

How Do I Enroll in a Louisiana Medigap Plan?

If you enroll in Medicare Parts A and B when you turn 65, you have a 6-month Medigap open enrollment period that begins the month of your 65th birthday. This enrollment period is important because it's the time when you have unlimited access to available plans.

During the initial Medigap open enrollment period, insurance companies must sell you any policy available for the same price it would sell someone who is healthy, regardless of whether you have any medical issues. Attempting to buy a Medicare supplemental insurance plan outside of this open enrollment period might mean you're unable to get coverage or that the coverage will be more expensive. This is because Medigap insurance companies are legally allowed to use underwriting to determine what type of medical risk you might present if you're outside of that open enrollment period.

There are a few exceptions to this:

  • Medigap plans may be able to impose a 6-month waiting period for coverage of any treatment related to pre-existing conditions.

  • If you already have coverage that covers your pre-existing conditions — and have for the last 6 months or more — you may be able to get immediate coverage, even for those conditions.

  • If you have other insurance, such as through an employer, after you turn 65, your Louisiana Medigap open enrollment period starts the month you purchase Medicare Part B insurance, assuming that is the same month your previous insurance coverage is ending.

  • If you have guaranteed issue rights, you may be able to purchase a Louisiana Medigap plan outside of your open enrollment period without medical underwriting impacting costs or options. Most of these situations involve losing Medigap coverage through no fault of your own (such as the insurance company you chose goes bankrupt) or you tried a Medicare Advantage plan upon turning 65 and decided within the year you would actually prefer Original Medicare with a Medigap plan.
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