Explore your options
Compare options, including Medicare Advantage, Medicare Supplement, and prescription plans.
Find a Licensed Medicare agent in Louisiana
Connect with Medicare agents in Louisiana
Toni Aldridge
Kevin Hatfield
Shannon Davis
Tyler Eby
Kayla Torry
Brandon Kauffman
Calvin Fritz
Sara Morrissey
Matt Willenborg
Ariel De Jesus
Why work with a Medicare agent
Enroll in Medicare
Get the help you need to enroll in Medicare, from Original Medicare to supplemental coverage.
Use your coverage
Receive extended support to help you use your plan effectively, find doctors, and get savings.
A Snapshot of Medicare in Louisiana
Approximately 44% of Louisiana Medicare beneficiaries are on Original Medicare, while 56% are enrolled in Medicare Advantage and other Medicare plans.
Louisiana residents enrolled in Medicare Parts A and B can choose a Medicare Advantage plan as an alternative to Original Medicare. These plans provide Part A and Part B benefits and usually include Part D prescription drug coverage. However, not all Medicare Advantage plans cover prescription drugs, so residents should check whether their medications are covered before choosing a plan. Medicare Advantage plans also come with restrictions like provider networks and prior authorization requirements.
For Louisiana residents who stay on Original Medicare, Medigap (also called Medicare Supplement) plans can be purchased to reduce out-of-pocket expenses. These costs include deductibles, copays, and coinsurance, depending on the plan that you choose. Original Medicare typically doesn't cover prescription drugs, so beneficiaries should enroll in a separate Part D plan.
Medicare Part B covers several preventive services, as long as they are performed by a provider who accepts Medicare and the patient's Medicare coverage requirements are met. These services may include wellness visits, screenings, and vaccines. Some services or additional care may incur out-of-pocket costs.
How to apply for Medicare in Louisiana?
Medicare eligibility in Louisiana follows the same nationwide rules as everywhere else in the country. You qualify for Medicare as a US citizen if you meet one of these criteria:
- You're 65 or older
- You have a qualifying disability, such as End-Stage Renal Disease or ALS
- You've received SSDI for 24 months or more
Enrolling in Louisiana takes three key steps:
- Sign up for Original Medicare (Part A and Part B)
- Decide on your supplemental coverage:
- Medicare Supplement (Medigap)
- Medicare Advantage (Part C)
- Part D (prescription drug coverage)
- Confirm your doctors are in network, update your pharmacy with your new plan, and activate any additional benefits included with your coverage
FAQs
How can a Medicare agent help me compare Medicare coverage in Louisiana?
Licensed Louisiana Medicare agents from Chapter offer free guidance to help residents compare their coverage options across Original Medicare, Medicare Advantage, Medigap, and prescription drug plans. They help you decide which options are best suited for you based on your health care needs, preferred doctors, and medications. You can schedule a free consultation with Chapter online or by calling (855) 900-2427.
Why can Medicare Advantage options vary from one Louisiana parish to another?
Medicare Advantage plans are offered by private insurance companies, and these companies choose which plans they offer in specific locations. For Louisiana beneficiaries, this means that a plan that’s available in one parish may not be available in another. When looking at plans available in their parish, people should make sure the plan they choose has their doctors in network, covers their prescriptions, and saves them the most on their expected healthcare costs.
How does Louisiana's Medigap birthday rule work?
Louisiana is one of several states that have a Medigap birthday rule. According to this rule, Louisiana beneficiaries who are enrolled in a Medigap plan may change their plan one time each year to a plan with equal or lesser benefits offered by their current insurer or an authorized affiliate. The window to make a change begins on your birthday and lasts for 63 days.
What help is available to Louisiana residents who qualify for both Medicare and Medicaid?
Louisiana residents who qualify for both Medicare and Medicaid are considered dual eligible. Dual-eligible residents may qualify for a Dual Eligible Special Needs Plan (D-SNP), a type of Medicare Advantage plan that helps coordinate benefits between the two programs. They may also be eligible for other savings programs. If you are unsure of eligibility, reach out to a Louisiana Medicare agent to see if there are ways you can save on your healthcare costs.
