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Medicare Supplement Insurance Plans in Louisiana

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What is a Medicare Supplement insurance plan?

A Medicare Supplement insurance plan in Louisiana (as in other states) offers coverage for some costs not covered under Original Medicare, Part A and Part B. These plans might cover expenses that would normally come out of your own pocket, such as copayments, coinsurance and deductibles. Also referred to as Medigap, these plans are designed to work with Original Medicare and cannot be used as stand-alone plans.

Some Medicare Supplement insurance plans in Louisiana might also offer limited coverage for additional medical services, such as emergency health services rendered outside the United States. Medigap plans typically don’t include coverage for vision and hearing services, routine dental care, or prescription drugs. Beneficiaries interested in this type of coverage might consider a Medicare Advantage plan.

Enrolling in a Medicare Supplement insurance plan in Louisiana

Typically, the first – and often best – time period when you can enroll in a Medicare Supplement insurance plan in Louisiana (or other states) is during the Medigap Open Enrollment Period. This period begins the month that you’re age 65 and enrolled in Medicare Part B, and continues for a full six months. During this time, you may purchase a Medigap policy without being required to undergo medical underwriting, and your coverage and premium costs may not change based on your state of health.

After the Medigap Open Enrollment Period, you may still apply for a Medicare Supplement insurance plan. However, the companies offering these plans may charge higher premiums or even deny coverage based on your medical history or current health state. Once you’re enrolled in a Medicare Supplement insurance plan in Louisiana, renewal of the plan is generally guaranteed as long as you continue to make monthly premium payments, unless you weren’t truthful on the application or the Medigap insurance company becomes bankrupt or insolvent. The same is true in other states.

Choosing a Medicare Supplement insurance plan in Louisiana

There may be up to 10 standardized Medigap plans available in your parish, each designated by a different letter of the alphabet. Each Medicare Supplement insurance plan in the same lettered category will offer identical benefits. For example, Medigap Plan A in New Orleans includes the same coverage of Original Medicare out-of-pocket costs as Medigap Plan A in Baton Rouge. However, the cost of these plans can vary based on the company offering the plan, and the plan’s specific location.

If you’re shopping for a Medicare Supplement insurance plan in Louisiana, you may want to consider factors such as how often you visit the doctor or how much you travel outside the country, before choosing a Medigap plan type to suit your needs. Once you’ve settled on a plan type, you may want to compare the costs of Medigap plans in your area.

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