The Best Louisiana Medicare Supplement Plans (2024)

On average, a 65-year-old in Louisiana pays around $118 monthly for Medicare Supplement plans, and a 75-year-old pays roughly $179.

Because of their extensive coverage, Plans F and G, which cost around $207.22 and $116.60 per month, respectively, are the most popular choices. Plan F is only accessible to people who were Medicare beneficiaries before 2020.

Plan N is the next most popular option, offering comparable coverage but at a higher cost. It costs around $94.60 monthly.

Based on average prices and benefits, MoneyGeek selected the top F, G and N plans. In our review of the best Medicare Supplement plan in Louisiana, we evaluate the various plan types and coverage.

Blue Cross Blue Shield of Louisiana offers the best Medigap Plan G in Louisiana at an average monthly rate of $120. It also offers a SELECT plan. Remember that MoneyGeek's rankings only include insurers that offer online quotes. It is likely that some businesses may not provide online quotes but will offer reasonable prices.

The average monthly cost of Medicare Supplement Plan G in Louisiana is $141.40. The premium you pay is affected by several factors, including your current age, discounts and other medical underwriting factors.

Blue Cross Blue Shield of Louisiana's Plan G is the state's cheapest for 65-year-olds in Louisiana, costing $104.60 a month. Compared to Cigna's monthly premium of $145.10, which is the highest in the state, Blue Cross Blue Shield of Louisiana is around $40 cheaper.

Although Louisiana has 34 companies offering Plan G policies, just a few of them offer online quotes. However, you can find the best Plan G provider in the state by using MoneyGeek’s table below containing contact information from several other providers. Each company’s pricing model makes it easier for you to identify which ones will raise your price as you age.

All Medigap policies are expected to cover specific benefits. However, Plan G excludes Part B deductibles from its coverage and only covers 80% of foreign travel emergency expenses up to your policy's maximum limit. Besides the standard benefits, some insurers offer additional benefits in their Plan G policies. The Renew Active program offered by UnitedHealthcare is an excellent example of this type of advantage.

With an average price of $208.66, Cigna is the best Medicare Supplement Plan F provider in Louisiana. Note that MoneyGeek's ranking only contains companies that offer quotes online. To learn about other providers' coverage and costs, you can contact them directly.

Medigap Plan F costs an average of $207.20 per month in Louisiana. However, actual costs can vary depending on the insurer you choose, your current age, the age at which you purchased the plan and other factors.

For example, Physicians Mutual offers the cheapest Plan F premiums in Louisiana for 75-year-olds at an average rate of $165.40 monthly. UnitedHealthcare is the most expensive, costing $292.10 monthly. This is a difference of around $127.

You can choose from 35 Medigap Plan F providers in Louisiana. However, some of them don't offer online quotes. MoneyGeek's table below contains the contact information for several insurers so that you can contact them to learn about their prices and coverage. The pricing models indicate which ones are likely to be more expensive as you age.

Plan F is a standardized comprehensive plan and must come with certain benefits. Despite Plan F's extensive coverage, it only covers around 80% of the foreign trip emergency expenses. However, companies may provide additional benefits that are not common to all, like Cigna’s Health Rewards program.

In Louisiana, Blue Cross Blue Shield of Louisiana's Plan N is the most affordable option for seniors looking for Medicare Supplement Plan N. Its average monthly premium is $90.60. It also offers a SELECT plan. Only those companies who offer online quotes are included in MoneyGeek's ratings. Other Plan N suppliers in the state who don’t offer their quotes online may provide competitive prices. To learn about their rates and coverage, you'll have to speak with them directly.

In Louisiana, Plan N costs an average of $120.80 per month. This average rate varies based on your current age, your age when you purchased the plan and medical underwriting factors.

The cheapest plan for 65-year-olds in Louisiana is Blue Cross Blue Shield of Louisiana's Plan N, which costs roughly $76.60 per month. At $108.30 per month, UnitedHealthcare is the most costly option. By choosing the cheaper company over the most expensive, you can save around $32 monthly.

Although Plan N insurance is available in Louisiana from 34 companies, only a few provide quotes online. MoneyGeek has included the contact information of some insurers below so that you can easily find one that fits your needs. You can evaluate whether a company uses an age-based pricing strategy by evaluating its pricing policies.

All Medigap plans must include some benefits. Plan N excludes Part B deductibles and Part B excess charges. However, the policy only covers 80% of foreign travel emergencies. Some, like Blue Cross Blue Shield of Louisiana’s foreign travel emergency coverage and UnitedHealthcare's Renew Active, are unique benefits not available through other companies.

Due to their lower levels of coverage, other Medicare Supplement plan types — which include Plans A, B, C, D, K and L — are less popular than Plans F, G and N. MoneyGeek's analysis found that UnitedHealthcare offers the best Medigap Supplement plans in Louisiana for most plan types. In addition to UnitedHealthcare, you also get online quotes from Physicians Mutual, Blue Cross Blue Shield of Louisiana and Cigna.

It should be noted that anyone who enrolled in Medicare after January 1, 2020, will not be eligible for Plan C.

Medigap insurance is a complicated topic, particularly for anyone who is new to the concept. MoneyGeek gathered prices and other facts from several insurers to help you pick a Medicare Supplement plan that fits your needs. You can use MoneyGeek's Medicare Supplement plans comparison chart for Louisiana to compare and find the best company.

Medigap policies vary in terms of coverage and accessibility. However, the availability of policies depends on when you became eligible for Medicare. For example, while Plans F and C are excellent choices, they are not available to new enrollees. As a result, Plans G and D are replacing those plans.

You can compare Medicare Supplement plans in Louisiana using the chart below. It shows various coverages and average costs of different plan types.

The cost of Medicare Supplemental Insurance is subject to change depending on the kind of plan and provider. UnitedHealthcare is the cheapest in Louisiana for most of the Medigap plan types. However, Physicians Mutual is the cheapest for Plan F policies and Blue Cross Blue Shield of Louisiana is the cheapest for Plans G and N.

Insurance companies often analyze quotes in one of three ways:

• Attained-Age: This is the state's most popular pricing method. Using this method, your premium will be determined by your present age, and your monthly rate will increase as you age.
• Issue-Age: Your age when you initially became eligible for Medicare determines the cost of your insurance. The costs will not change as you age.
• Community-Rated: Except for Plan D and Plan M, each policyholder in a certain plan type pays the same monthly premium.

MoneyGeek has listed and answered the most frequently asked questions about Medicare or Medigap Supplement plans in the state of Louisiana.

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Louisiana for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.