Medicare Advantage in Louisiana

Looking for Louisiana Medicare Advantage Plans? Enter your ZIP below to compare affordable or $0 premium plans in your area.

Louisiana state

Information about Medicare Advantage Plans in Louisiana

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36 percent of Medicare beneficiaries in Louisiana were enrolled in a Medicare Advantage (Medicare Part C) plan in 2019.1

There are 881 different Louisiana Medicare Advantage plans in 2019.1

A licensed insurance agent can help you compare the availability, benefits and costs of Medicare Advantage plans in your area of Louisiana, because not every plan is available in each county.

Read below to learn more about Medicare in your state.

Find other types of Medicare Health insurance plans:

Average costs of Medicare Advantage in Louisiana

The average Medicare Advantage plan premium in Louisiana in 2019 was $4 per month.

That’s due partly to the fact that 387 of the state’s 51 available plans offer $0 premiums, and 88 percent of the state’s beneficiaries were enrolled in a $0 premium plan.

  • Average monthly premium cost in 2019 (weighted): $4
  • Average in-network out-of-pocket spending limit: $5,557
  • Average deductible in 2019 (weighted): $28.261

The premiums, deductibles and out-of-pocket costs for Louisiana Medicare plans near you may vary.

Further below in this guide, we detail the average Louisiana Medicare Advantage plan monthly premiums by county in 2019.

A licensed insurance agent can help you compare Medicare Advantage plan costs in your area.

Compare Louisiana Medicare Advantage plan costs

Compare Plans

Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.

Medicare Eligibility & Enrollment

You may not sign up for a Medicare Advantage plan in Louisiana without first enrolling in Medicare Part A and Part B, also known together as Original Medicare.

To be eligible for Original Medicare at age 65, you must:

  • Be a U.S. citizen or permanent legal resident who has lived in the U.S. for five continuous years

  • Be eligible for Social Security or Railroad Retirement benefits (or your spouse must be eligible)

  • Be a government employee or retiree who has paid Medicare payroll taxes (or your spouse must meet this qualification)

You may also be eligible for Medicare benefits under 65 if:

  • You have been receiving Social Security disability benefits or certain Railroad Retirement Board disability benefits for at least 24 months.

  • You have ALS (amyotrophic lateral sclerosis, also known as Lou Gehrig's disease).

  • You have End-Stage Renal Disease (ESRD), and you or your spouse have paid Social Security taxes for a certain length of time.

If you have ESRD, you may not qualify for most Medicare Advantage plans. You may, however, be able to enroll in a Louisiana Medicare Special Needs Plan (SNP).

How to sign up for a Medicare Advantage Plan in Louisiana

The first time you typically can enroll in a Louisiana Medicare Part C plan is during your Medicare Initial Enrollment Period (IEP).

Medicare Initial Enrollment Period graphic

Your Medicare IEP begins three months before your 65th birthday, includes the month of your birthday and continues on for three more months.

If you do not enroll in Medicare Advantage during your IEP, you will have to wait for one of the following Medicare enrollment periods:

Medicare Advantage Open Enrollment Period graphic

Medicare Advantage Open Enrollment Period: January 1 – March 31

Medicare Advantage open enrollment lasts from January 1 to March 31 every year. During this period, you may switch Medicare Advantage plans or drop your Medicare Advantage plan and return to Original Medicare.

If you return to Original Medicare during this period, you'll also be able to enroll in a Medicare prescription drug plan (Medicare Part D).

Medicare AEP graphic

Medicare Annual Enrollment Period (AEP): October 15 – December 7

From October 15 to December 7 every year, you may enroll in a Medicare Advantage plan or switch from one Medicare Advantage plan to another.

During AEP, you may also drop your existing Medicare Advantage plan and return to Original Medicare.

You may also join, switch or drop a Medicare Part D plan during AEP. 

Medicare Special Enrollment Periods (SEP)

A Medicare Special Enrollment Period (SEP) could potentially be granted to you at any time throughout the year if you have a specific qualifying circumstance.

A licensed Louisiana insurance agent can help you find out if you qualify for a Medicare Special Enrollment Period.

Find a Louisiana Medicare Advantage plan

Compare Plans

Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.

Top-rated Medicare Advantage Plans in Louisiana 2019

The Centers for Medicare & Medicaid Services (CMS) issues Star Ratings every year, using a system of one to five stars.2

The Star Ratings show how each Medicare Advantage plan rates across several key areas.

Plans are re-evaluated annually, so a plan’s ratings can change from year to year.

For a Medicare Advantage plan to be considered a top-rated plan, it must have four or more stars out of five stars.

There are 220 top-rated 2019 Medicare Advantage plans in Louisiana that are rated four stars or higher. That's equal to 25 percent of 2019 Louisiana Medicare Advantage plans.

Medicare Star Ratings
Star Ratings

★★★★★

Excellent

★★★★

Above Average

★★★

Average

★★

Below Average

Poor

Medicare Advantage plans are rated in the following five categories:

  • Preventive care and health maintenance (screenings, tests, vaccines, etc.)
  • Management of chronic conditions
  • Member experiences and ratings of the plan
  • Member complaints, member retention and plan performance
  • Customer service

The information for the star ratings is gathered from member surveys, information that is submitted to Medicare and Medicare’s regular monitoring activities.

List of LA Medicare Advantage Plans in 2019

To view a list of plans offered where you live in Louisiana, use our plan comparison tool.

Find a Louisiana Medicare Advantage plan

Compare Plans

Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.

Private insurance companies offer Medicare Advantage plans in Louisiana

There are multiple insurance carriers that may offer Medicare Advantage plans in Louisiana, though they may not offer plans where you live.

Private insurance companies offer Medicare Advantage plans that may be unique to the plan area they serve.

A licensed insurance agent can help you compare the Medicare Advantage plans that are sold by insurance companies in your area.

Choosing between Medicare Advantage insurance carriers in Louisiana may not be easy, but there are a few resources that can help in your decision:

  • Each year's Medicare Star Ratings can give you an idea of a plan’s overall quality.

  • Agencies like A.M. Best, Moody’s and Standard & Poor’s provide information about the credit ratings and financial standing for different insurance companies.

  • Websites such as the Better Business Bureau and Consumer Reports can teach you about a company’s reputation among its customers.

  • You can read through Medicare Advantage plan reviews and testimonials from customers.

LA Medicare Advantage plans by county/parish

You can find more information about 2019 Louisiana Medicare Advantage plans by county in the chart below.1

  • Orleans Parish, Ascension Parish and Jefferson Parish each had the highest number of $0 premium plans available, with 11 such plans in each parish in 2019.

  • Jefferson County had by far the highest number of Medicare Advantage plan enrollees in 2019, with 99.9 percent of Medicare Advantage beneficiaries in the county belonging to a $0 premium plan.
2019 LA Medicare Advantage by County
County Total of County MA Enrollees % of Medicare Beneficiaries Enrolled in MA Number of Plans Available Number of $0 Premium Plans Available % Enrolled in a $0 Premium Plan
Acadia 2231 19% 16 9 96.6%
Allen 706 14% 11 3 27.3%
Ascension 9976 54% 18 11 99.9%
Assumption 1757 35% 13 6 37.6%
Avoyelles 1676 18% 13 5 38.5%
Beauregard 1062 14% 13 5 16.1%
Bienville 770 21% 13 4 30.8%
Bossier 5238 24% 14 6 99.7%
Caddo 14892 28% 14 6 99.4%
Calcasieu 7814 20% 14 7 98.6%
Caldwell 562 24% 11 3 93.3%
Cameron 245 19% 12 5 93.5%
Catahoula 488 20% 10 3 95.2%
Claiborne 752 21% 13 4 30.8%
Concordia 772 17% 9 2 22.2%
De Soto 1469 23% 13 4 30.8%
East Baton Rouge 36952 47% 17 10 99.5%
East Carroll 404 27% 11 3 72.4%
East Feliciana 1880 40% 15 8 99.4%
Evangeline 966 13% 14 6 91.9%
Franklin 1092 23% 12 5 97.7%
Grant 992 21% 12 5 98.3%
Iberia 3738 25% 11 5 97.9%
Iberville 3606 54% 17 10 99.7%
Jackson 869 23% 10 3 98.2%
Jefferson 53329 58% 19 11 99.9%
Jefferson Davis 764 12% 13 4 85.2%
Lafayette 8205 21% 17 9 97.6%
Lafourche 7100 37% 16 8 41.2%
LaSalle 466 15% 11 2 18.2%
Lincoln 1648 21% 12 5 98.9%
Livingston 12107 53% 18 11 99.9%
Madison 346 16% 10 3 91.6%
Morehouse 1998 29% 13 5 98.6%
Natchitoches 1474 18% 13 4 30.8%
Orleans 34921 51% 19 11 99.6%
Ouachita 8651 29% 14 6 97.8%
Plaquemines 2032 52% 13 5 56.5%
Pointe Coupee 2430 47% 15 8 98.6%
Rapides 6076 21% 14 7 98.2%
Red River 374 21% 11 2 18.2%
Richland 1177 25% 10 3 97.0%
Sabine 1072 18% 13 4 30.8%
St. Bernard 3515 51% 19 9 99.2%
St. Charles 5505 59% 18 10 99.8%
St. Helena 1194 36% 15 8 99.0%
St. James 2360 52% 16 8 50.6%
St. John the Baptist 4830 55% 13 5 55.8%
St. Landry 4245 21% 17 9 98.2%
St. Martin 2618 24% 17 9 99.3%
St. Mary 3385 30% 14 6 98.8%
St. Tammany 27186 50% 17 8 41.3%
Tangipahoa 9373 38% 14 7 47.8%
Tensas 223 17% 10 3 91.0%
Terrebonne 5743 26% 13 6 63.7%
Union 1476 27% 12 5 98.5%
Vermilion 2131 18% 13 7 98.4%
Vernon 783 10% 13 5 38.5%
Washington 3968 36% 17 8 16.5%
Webster 2493 25% 12 5 99.5%
West Baton Rouge 2456 52% 16 9 99.5%
West Carroll 775 28% 11 3 83.3%
West Feliciana 815 35% 14 7 98.7%
Winn 686 21% 13 4 30.8%

LA Medicare Advantage enrollees by plan type

The chart below illustrates the percentage of 2019 Louisiana Medicare Advantage enrollees that are enrolled in each primary type of Medicare Advantage plan.1

Plan type Percentage of Louisiana enrollees (2019)
HMO 99.6%
Local PPO <1%
Regional PPO <1%

The major types of Medicare Advantage plans include:

  • HMO
    Health Maintenance Organization (HMO) usually requires you to visit doctors and other providers that are in your plan network (except in the case of emergencies). HMO plans also typically requre a referral from a primary care doctor in order to see a specialist.

  • PPO
    Medicare Advantage beneficiaries in a Preferred Provider Organization (PPO) can usually see providers outside of their plan’s network, though often at a higher cost.

    You typically pay less out of pocket with a PPO if you choose to receive medical services from providers within your plan’s network.

    PPO plans typically do not require patients to acquire a referral before visiting with a specialist.

  • PFFS
    A Private Fee-For-Service (PFFS) plan determines how much it will pay to health care providers and how much you pay at the point when you receive services.

    With a PFFS plan, you can typically receive care from any doctor, hospital or health care provider that accepts your plan’s terms as well as Medicare. Not all providers will accept your plan terms, however.

  • SNP
    A Special Needs Plan (SNP) is a type of Medicare Advantage plan limited to people with certain chronic conditions and other specific characteristics.

    Typically, you must receive care from health care providers and hospitals within your SNP network, except for in cases when you need emergency or urgent care and when someone who has End-Stage Renal Disease (ESRD) needs out-of-area kidney dialysis.

Not all of these types of plans may be available in your area. A licensed insurance agent can help you compare the types of 2019 Louisiana Medicare Advantage plans that are available where you live.

Local health insurance resources in Louisiana

  • Louisiana’s Senior Health Insurance Information Program is there to help answer health insurance questions and provide free counseling to beneficiaries of Medicare and other health insurance programs. The program may be reached at 800-259-5300 or 225-342-5301.

  • You can also explore more information about the insurance industry in Louisiana by visiting the state’s Department of Insurance website.

  • Louisiana Prescription Drug Assistance Programs
    The state of Louisiana has a number of programs designed to help with the cost of prescription drugs. There are programs for both Medicare beneficiaries and non-Medicare beneficiaries alike that can cover the cost of premiums and cost-sharing or even lower the cost of the drugs themselves.