Best Louisiana Medicare Advantage Plans

The Centers for Medicare & Medicaid Services (CMS) has a five-star quality rating system that helps consumers easily compare plans available to them. Using this rating system combined with our own analysis, MoneyGeek found which plans are widely available in Louisiana. To find the best Medicare Advantage plan in Louisiana, we further broke it down based on different plan types, the availability of drug coverage and out-of-pocket limits.

Note that these recommendations are based on general findings. The best for you may be different from other shoppers. Checking whether your preferred provider is within your plan’s network is a great start to finding the best plan for you.

If you're not looking for a Medicare Advantage plan but want to cover out-of-pocket costs that your base Medicare plan doesn't cover, MoneyGeek also ranked the best Medicare Supplement Plans in Louisiana.

One way to identify the best Medicare Advantage plan in Louisiana is to think about your coverage needs as well as your provider preferences.

Consider a shopper in Louisiana who wants a PPO plan with prescription coverage, six essential benefits, an additional benefit and a high CMS rating. For this shopper, the Aetna Medicare Freedom Plan is the best option.

Preferred Provider Organization (PPO) plans are more expensive than other types of plans. However, a PPO does have a wider network range, making it more flexible. With a PPO plan, you are not limited to consulting with providers that are inside your network. Patients can see a physician who isn’t in their network for a specific medical condition.

Before buying any plan, it is best to determine your individual coverage needs and, whether the total cost that you need to spend on a plan is within your budget.

Our findings show that shoppers looking for a Health Maintenance Organization (HMO) plan with drug coverage, seven common benefits like vision and hearing, and a high rating from the CMS, may find Peoples Health Choices 65 as a great option.

An HMO plan costs much less than a PPO, however you are limited to specific providers that are inside your network. In an HMO plan, you also need to get a referral from your primary care physician to see a specialist.

If you don’t need Part D prescription drug coverage, there are more plans available to you.

For shoppers looking for an HMO plan without drug coverage, six core benefits and a high rating from the Centers for Medicare and Medicaid Services, the best Medicare Advantage plan in Louisiana is Peoples Health Choices 65.

In Louisiana, the best Medicare Advantage plan for you should be able to meet your coverage needs within a budget that you can afford. Shoppers who opt for a plan with low or no premiums often end up paying thousands of dollars in out-of-pocket costs. The best option is to find a plan with low- out-of-pocket limits.

A sample shopper in Louisiana looking for a PPO plan with low out-of-pocket cost may find Blue Cross and Blue Shield of Louisiana’s Blue Advantage as the best plan in the state. Inclusions of this plan are a Part D prescription drug coverage, seven essential additional benefits and a high star rating from the CMS.

In Louisiana, you can choose between 11 healthcare organizations to find the best Medicare Advantage plan. The following data compares the number of widely available plans and benefits in the state.

MoneyGeek collected data from the Centers for Medicare & Medicaid Services 2022 MA Landscape Source Files released in October 2021. Plans in Louisiana were filtered down to those that offer drug coverage (unless otherwise noted), offer six of the most common Medicare Advantage coverage benefits and are available to at least 50% of the population of Louisiana based on county availability.