Overall, we found that Blue Cross Blue Shield of Louisiana has the best Medicare Supplement plans in the state with rates that are 13% below average for the most popular plan in the nation (Plan G). However, you should also look into Physicians Mutual and UnitedHealthcare as well for affordable plans since pricing differs widely by policy letter.
Best Medicare Supplement Plans in Louisiana
Updated: October 27, 2025
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Key Takeaways
Blue Cross Blue Shield of Louisiana offers the best and cheapest Medicare Supplement plans for the most popular policy in the state, Plan G for $105 per month.
Medicare Supplement plans can cost in Louisiana anywhere from $56 to $190 per month on average depending on your policy selection.
To find the plan you need, check plan availability, restrictions and benefits, and compare quotes from multiple companies.
Who Are the Best Cheap Medicare Supplement Plan Companies in Louisiana?
| Blue Cross Blue Shield of Louisiana | $105 | $1,255 |
| Physicians Mutual | $112 | $1,344 |
| UnitedHealthcare | $121 | $1,456 |
| Cigna | $145 | $1,741 |
*Pricing shown is for Medicare Supplement Plan G for 65-year-olds.
Compare Personalized Best Cheap Medicare Supplement Companies in Louisiana
We've shared top companies for popular plans nationwide, but your needs might differ. The table shows the best and most affordable company for you.
Data filtered by:
A
65
| Blue Cross Blue Shield of Louisiana | $130 | $1,564 |
| Cigna | $141 | $1,688 |
| Physicians Mutual | $168 | $2,010 |
| UnitedHealthcare | $85 | $1,021 |
Louisiana Medicare Supplement Plan Cost
The typical Medicare Supplement plan, Plan G, costs around $121 monthly or $1,449 per year on average in Louisiana. However, your rates can vary widely, being anywhere from $56 to $190 monthly depending on the provider and plan you select.
| A | $131 | $167 |
| B | $136 | $213 |
| C | $190 | $291 |
| F | $167 | $223 |
| G | $121 | $171 |
| K | $56 | $102 |
| L | $92 | $165 |
| N | $96 | $145 |
Louisiana Medicare Supplement Coverage Guide
With many plan options to choose from and many considerations to make, deciding what Medicare Supplement policy is best and which company to choose can be hard. This guide details what coverage is available, how to choose which plan you need and how to get the best cheap company for you.
Louisiana Medicare Supplement Plan Comparison Chart
All Medicare Supplement plans, regardless of your state, have standardized coverages. Here's what each plan letter for Medicare Supplement, or Medigap, covers:
Plan Letter | Co-Insurance and Copayment Coverage | Deductibles and Other Coverages |
|---|---|---|
A |
|
|
B |
|
|
C |
|
|
D |
|
|
F |
|
|
G |
|
|
K |
|
|
L |
|
|
M |
|
|
N |
|
|
How to Decide Which Medicare Supplement Plan You Need
Deciding on a Medicare Supplement plan hinges on your eligibility, financial situation, and personal factors like age, health, and lifestyle. Here's how to weigh these aspects effectively.
Eligibility
New enrollees can access all plans except C or F. Those eligible for Medicare before 2020 can choose from all 10 available plans.
Age, Condition and Lifestyle
Determine your coverage needs based on age, existing health conditions, and lifestyle. Assess the likelihood of using different coverage items and consult with a healthcare professional and a Medigap/Medicare Supplement specialist for guidance.
Financial Status
Your ability to afford coverage is crucial, regardless of risk factors and coverage needs. Find plans that match your risk profile and are within your budget.
How to Find the Best Louisiana Medicare Supplement Company
Once you've decided what plan is right for you, compare companies. Here are the key things to look for in a Medicare Supplement provider in Louisiana: Consider the provider's reputation, customer service and the range of plans they offer. Ensure the costs align with your budget and the benefits meet your needs.
- 1Customer Satisfaction and Complaints
With Medicare Supplement insurance, research customer satisfaction ratings to make better choices. Use resources like J.D. Power and the NAIC to evaluate companies on service quality.
- 2Plan Pricing
Compare insurance plans accurately to find the most affordable and reliable option. Compare apples to apples when looking at different plans to identify which offers both cost-effectiveness and excellent service.
- 3Added Benefits
Some Medicare Supplement insurance companies offer extra benefits that enhance the value of their plans. This could include discounts on gym memberships or other wellness incentives. Explore these additional perks beyond the basic coverage.
Best Medigap Plans in Louisiana: Bottom Line
Our top three picks for the best Medicare Supplement insurance in Louisiana are Blue Cross Blue Shield, Physicians Mutual and UnitedHealthcare. To find the right plan for you, compare company reputations, benefits and pricing.
Medicare Supplement Plans in Louisiana: FAQ
We answered common questions about Medicare Supplement plans in Louisiana:
What is the best Medicare Supplement provider in Louisiana?
The best health insurance provider for the most popular Medigap plan in Louisiana is Blue Cross Blue Shield of Louisiana. The provider offers pricing that is approximately 13% lower than the state average, making it the most affordable company in the state.
What is the cost of Medicare Supplement plans in Louisiana?
Depending on your plan selection, pricing for Medicare Supplement plans in Louisiana can range anywhere from $676 to $3,494 per year. For the most popular plan in the state, Plan G, average costs can range anywhere from $1,449 to $2,054 per year.
How We Decided the Best Medicare Supplement Companies in Louisiana
Louisiana Medicare beneficiaries need affordable supplemental coverage to fill Original Medicare's gaps. We designed our research to find providers offering the best combination of low premiums and reliable service for Louisiana's Medicare-eligible population.
Our research approach: We collected data from the largest Medicare Supplement/Medigap providers in Louisiana for both 65-year-olds and 75-year-olds, focusing on plans where we could obtain accurate quotes online.
Why Plan G matters for Louisiana beneficiaries: We used Medicare Supplement Plan G as our baseline because it's the most popular plan nationwide and offers comprehensive coverage while allowing beneficiaries to avoid the Part B deductible (unlike Plan N). Plan G covers Part A and B coinsurance, hospice care coinsurance and the first three pints of blood, making it ideal for Louisiana beneficiaries who want predictable costs without surprises.
Why age matters: We analyzed rates for both 65-year-olds (newly eligible for Medicare) and 75-year-olds (established beneficiaries) because premiums increase with age. This helps Louisiana residents understand both immediate costs and long-term pricing trends when choosing a provider.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.