Best Medicare Supplement Plans in Louisiana (2026)

USAA has the best Medicare Supplement plans in Louisiana with the cheapest rates for Plans A and G, offering comprehensive coverage and affordable premiums.

Discover the best Medicare Supplement rates for your needs.

Written by Mark Fitzpatrick

Updated: January 28, 2026

Advertising & Editorial Disclosure

Key Takeaways

Plans A and G from USAA offer Louisiana's most affordable Medigap rates among the state's popular policies, saving residents $60 to $161 monthly compared to average state rates.

Blue Cross Blue Shield, Philadelphia American, State Farm, LifeShield National, Transamerica and Bankers Fidelity provide the best pricing for Plans B, C, D, F, K, L, M and N in Louisiana.

At age 65, Louisiana residents pay $38 to $535 monthly for Medicare Supplement coverage based on which plan type they choose.

Best Cheap Medicare Supplement Companies in Louisiana

Louisiana seniors can find Medigap plans ranging from $91 to $208 monthly, giving 65-year-olds solid financial coverage at reasonable prices. We analyzed rates from the cheapest providers across all 10 standardized plan types and found plenty of competition among carriers.

USAA offers the lowest rates for two popular plans: $128 monthly for Plan A and $149 monthly for Plan G. Blue Cross Blue Shield has the best price for Plan B, while Philadelphia American wins for Plans C and M. State Farm charges the least for Plan D, LifeShield National for Plan F and Transamerica for Plans K and L.

Bankers Fidelity offers the cheapest Plan N. These low-cost options save Louisiana residents anywhere from $23 to $161 monthly compared to what most people pay in the state.


USAA	A	$128	$60	Attained Age Pricing
Blue Cross Blue Shield	B	$186	$69	Attained Age Pricing
Philadelphia American	C	$178	$129	Attained Age Pricing
State Farm	D	$154	$76	Attained Age Pricing
LifeShield National	F	$208	$96	Attained Age Pricing
USAA	G	$149	$161	Attained Age Pricing
Transamerica	K	$91	$23	Issue Age Pricing
Transamerica	L	$135	$38	Issue Age Pricing
Philadelphia American	M	$98	$34	Attained Age Pricing
Bankers Fidelity	N	$116	$90	Attained Age Pricing

*These rates reflect Medigap premiums for 65-year-olds.

USAA

MoneyGeek Rating

4.5/ 5

4.8/5Affordability

4.3/5Pricing Style

4.1/5Plan Availability

Average Plan G Rate
$149
Plan Types
A, F, G, N

pros
- Best Plan A rates in Louisiana ($128 a month)
- Best Plan G rates in Louisiana ($149 a month)
- Additional benefits for military members
cons
- Attained Age Pricing means your premiums increase with age
- Doesn't offer cost-sharing plans (K or L) or high-value Plan M
USAA keeps its Medicare Supplement lineup pretty focused in Louisiana, sticking to the plan types many people shop first instead of trying to offer every option. For a 65-year-old, monthly premiums run about $149 for Plan G and $148 for Plan N, with Plan A coming in lower at $128. If you want the extra coverage that comes with Plan F, it’s priced higher at about $213 per month.

All of these policies use attained-age pricing, so rates increase as you get older. Still, Plans A and G start below national averages, which helps if you’re enrolling around 65.

Blue Cross Blue Shield

MoneyGeek Rating

4.2/ 5

4.6/5Affordability

3.9/5Pricing Style

3.4/5Plan Availability

Average Plan G Rate
$170
Plan Types
A, B, F, G, N

pros
- Best Plan B rates in Louisiana ($186 a month)
- Five plan types available including popular options
- Strong financial stability and wide provider network
cons
- Attained Age Pricing means premiums increase with age
- Doesn't offer cost-sharing plans (K, L) or Plan M
- No high-deductible Plan G option
Blue Cross Blue Shield has the name recognition and financial strength that many Louisiana seniors want when choosing Medicare Supplement coverage. It charges $186 monthly for Plan B, which saves residents $69 compared to other state providers.

The company offers five plan types (A, B, F, G and N), with premiums ranging from $122 to $324 for new enrollees. Your premiums will increase as you age under Blue Cross Blue Shield's Attained Age Pricing model, which accounts for rising health care costs. What you get in return is access to an extensive provider network throughout Louisiana and beyond.

Blue Cross Blue Shield holds an A rating from AM Best, showing solid financial stability. Some plans cost more than budget competitors, but you're paying for broader network access and the security of a well-established insurer.

Philadelphia American

MoneyGeek Rating

4.5/ 5

4.9/5Affordability

4.4/5Pricing Style

4/5Plan Availability

Average Plan G Rate
$160
Plan Types
A, C, F, G, M, N

pros
- Best Plan C rates in Louisiana ($178 a month)
- Best Plan M rates in Louisiana ($98 a month)
- Strong financial stability with good ratings
cons
- Attained Age Pricing means premiums increase with age
Philadelphia American specializes in affordable Medicare Supplement coverage across Louisiana, with six plan types priced from $41 to $315 monthly. The insurer charges just $98 per month for Plan M (that's $34 below the state average) and $178 monthly for Plan C (a $129 savings).

You can choose from Plans A, C, F, G, M and N depending on what coverage level fits your budget. Like most providers, Philadelphia American uses Attained Age Pricing, so your premiums will rise as you get older. The company gives you flexibility to pick the plan that matches your needs rather than pushing everyone toward the same option.

Philadelphia American earned an A rating from AM Best, which means the company has the financial strength to pay claims over the long term.

State Farm

MoneyGeek Rating

4.6/ 5

4.8/5Affordability

4.6/5Pricing Style

4.4/5Plan Availability

Average Plan G Rate
$154
Plan Types
A, C, D, F, G, N

pros
- Best Plan D rates in Louisiana ($154 a month)
- Six plan types including less common but valuable options
- Strong financial stability with good ratings
cons
- Attained Age Pricing means your premiums increase with age
- Doesn't offer cost-sharing plans (K or L) or high-value Plan M
State Farm is a familiar name in Louisiana’s Medicare Supplement market, offering six Medigap plan types with monthly premiums ranging from $119 to $418. The company posts the lowest rates for Plan D at $154 per month, which is $76 less than the state average.

Policyholders can choose from Plans A, C, D, F, G and N, covering both widely selected options and less common plans. Premiums follow an attained-age pricing model, so costs increase as policyholders grow older. A major benefit is access to a wide network of local agents who offer guidance before enrollment and ongoing support afterward.

The insurer holds an A++ rating from AM Best, reflecting strong financial backing, though plan availability may vary by location within Louisiana.

LifeShield National

MoneyGeek Rating

4.3/ 5

4.9/5Affordability

3.9/5Pricing Style

3.3/5Plan Availability

Average Plan G Rate
$170
Plan Types
A, F, G, N

pros
- Best Plan F rates in Louisiana ($208 a month)
- Offers four popular plan types (A, F, G, N)
- Stable financial ratings from AM Best
cons
- Attained Age Pricing means your premiums increase with age
- Doesn't offer cost-sharing plans (K or L)
LifeShield National leads Louisiana’s Medicare Supplement market by focusing on affordable and accessible coverage options for seniors. It ranks first for Plan F at $208 per month, saving Louisiana residents $96 compared to other providers.

The company offers four plan types, including A, F, G and N, with monthly premiums ranging from $127 to $261. This focused approach gives seniors access to popular Medigap options without overwhelming choices.

LifeShield National uses attained-age pricing, meaning premiums increase as you age to reflect rising health care costs. One of its biggest advantages is flexible plan options that cater to the needs of Louisiana seniors.

The provider holds a B+ financial strength rating from AM Best, indicating a stable financial outlook for long-term coverage.

Transamerica

MoneyGeek Rating

4.3/ 5

4.7/5Affordability

4.2/5Pricing Style

3.6/5Plan Availability

Average Plan G Rate
$204
Plan Types
A, B, C, D, F, G, K, L, M, N

pros
- All plan types available
- Best rates for cost-sharing Plans K and L
- Best Plan K rates in Louisiana ($91 a month)
- Best Plan L rates in Louisiana ($135 a month)
cons
- Attained Age Pricing means premiums increase with age
Transamerica is the only insurer in Louisiana offering all 10 standardized Medicare Supplement plan types. The company charges just $91 monthly for Plan K, which beats competitors by $23 and works well for seniors willing to handle more cost-sharing.

Plan L costs $135 per month (that's $38 below the state average), and the full lineup spans from $91 to $429 across plans A, B, C, D, F, G, K, L, M and N.

Like other insurers, Transamerica uses Attained Age Pricing, so your monthly costs will climb as you age.

The company includes wellness programs and preventive care services with its plans. Transamerica earned an A rating (Excellent) from AM Best, which shows the company has strong financials to pay claims over time.

Find Louisiana Medicare Supplement Plans That Fit Your Needs

Your coverage needs may differ from the most popular choices. Explore the filterable table below to compare all Louisiana Medicare Supplement companies and find the option that matches your specific situation.

Data filtered by:


USAA	G	No	65	$149	$0	No Data
Bankers Fidelity	G	No	65	$151	$0	No Data
State Farm	G	No	65	$154	$0	No Data
Philadelphia American	G	No	65	$160	$0	No Data
Medico Corp	G	No	65	$163	$0	No Data
Blue Cross Blue Shield	G	No	65	$170	$0	No Data
LifeShield National	G	No	65	$170	$0	No Data
Wisconsin Physicians Service	G	No	65	$175	$0	No Data
AARP	G	No	65	$176	$0	No Data
MedMutual Protect	G	No	65	$177	$0	No Data

Louisiana Medicare Supplement Plan Cost

For 65-year-olds in Louisiana, Medicare Supplement insurance costs range from $114 to $310 monthly depending on plan type. Premiums in Louisiana vary widely depending on which coverage level you choose.

Plan G carries the highest average cost at $310 monthly, while Plan K offers the most affordable entry point at just $114 per month. Plan G's comprehensive coverage comes with premium pricing, making it the state's most expensive option.

Budget-conscious seniors have several economical alternatives, including Plan M at $132 monthly, Plan L at $173 and Plan A at $188 each month.


A	$188	$2256
B	$255	$3060
C	$307	$3684
D	$230	$2760
F	$304	$3648
G	$310	$3720
K	$114	$1368
L	$173	$2076
M	$132	$1584
N	$206	$2472

How to Choose the Best Louisiana Medicare Supplement Plan

Medicare Supplement plans in Louisiana are standardized under federal rules, so Plan G covers the same gaps no matter which company issues the policy. Since the coverage doesn’t change, insurers mostly compete on price. Knowing what each plan letter covers helps you weigh your monthly premium against what you might pay out of pocket.

Most Comprehensive Coverage

Plan G: Comparable to Plan F, covers everything except Part B deductible.
Plan F: Covers all gaps including Part B deductible and excess charges (closed to new members as of 2020).

Best Value Options

Plan D: Strong coverage without Part B deductible or excess charges.
Plan N: Extensive benefits with minor copays and lower premiums.

Budget-Friendly Choices

Plan M: Covers 50% of Part A deductible with moderate premiums.
Plan K: Most affordable premiums with 50% cost-sharing and out-of-pocket limit of $8,000.
Plan L: Similar to Plan K with 75% cost-sharing and lower out-of-pocket limit of $4,000.

Premium Coverage

Plan C: Offers Part B deductible and foreign travel emergency coverage (not available for new enrollees as of 2020).

Learn More: What Does Medicare Cover and Not Cover?

How to Find the Best Louisiana Medicare Supplement Company

Once you’ve chosen a Medigap plan letter, choose the Louisiana Medicare Supplement insurer that will issue your policy. The benefits stay the same, but your premium, customer service and future rate increases don’t. Review complaint and satisfaction data first, then compare quotes for the same plan and look at any added perks that can help lower your overall costs.

1
Customer Satisfaction and Complaints
Companies may have complaints about service, so these ratings help you identify trustworthy options. For a dependable insurer, review customer satisfaction scores from J.D. Power and the NAIC. These resources provide valuable insights into how insurers treat their customers and handle claims in Louisiana markets like New Orleans and Baton Rouge.
2
Plan Pricing
Identical plans cost different amounts across insurers, so do side-by-side comparisons to find the best value. Look for the lowest cost while maintaining coverage quality and service standards. Prices can differ by hundreds of dollars between companies offering the same Medigap plan, so it pays to compare quotes from multiple insurers in Louisiana.
3
Added Benefits
Insurers may provide discounts on other services like gym memberships or wellness programs. These perks add value to your coverage across different policy types, including Medigap plans. Whether you're in Shreveport or Lafayette, these extra benefits can increase your plan's worth and provide additional savings beyond basic Medicare Supplement coverage.

Louisiana Medicare Resources

Louisiana seniors needing Medigap information can reach out to these programs:

Senior Health Insurance Information Program (SHIIP): SHIIP provides telephone and face-to-face Medicare counseling through the Louisiana Department of Insurance. Counselors explain coverage options including Medicare Supplement plans, Part D prescription benefits and Medicare Savings Programs. Call toll-free (800) 259-5301 for free, unbiased guidance.
Louisiana Department of Insurance - Consumer Services: File insurance complaints online or call the consumer hotline at (800) 259-5300. Average complaint investigations take 45 days. Mail complaints to P.O. Box 94214, Baton Rouge, LA 70804-9214. The department enforces Louisiana insurance laws and investigates claims involving Medicare Supplement plans.
Governor's Office of Elderly Affairs (GOEA): GOEA coordinates 64 Parish Councils on Aging and 36 Area Agencies delivering home-delivered meals, transportation, homemaker services and elderly protective services. Services prioritize seniors with economic and social needs.
Medicare.gov: Compare Medigap plans in Louisiana. The state's "birthday rule" (effective August 2022) allows enrollees to switch to equal or lesser benefit plans from the same insurer without medical underwriting.

Medicare Supplement Plans in Louisiana: FAQ

If you’re unsure how Medicare Supplement insurance works in Louisiana, these answers clarify how it works.

What does Medigap cover in Louisiana?

Medigap helps cover out-of-pocket costs left by Original Medicare, including Part A and Part B deductibles, coinsurance, copayments and the first three pints of blood. Some plans also cover Part B excess charges, skilled nursing facility coinsurance and emergency care during foreign travel. Medigap policies do not include prescription drug coverage, dental or vision care, or long-term care services.

Are Medicare Supplement plans worth it?

Medicare Supplement plans work well for seniors who want predictable medical costs and the freedom to see providers nationwide. They are a strong choice for people with ongoing health care needs or chronic conditions who want protection from unexpected medical expenses. Those in good health with huge savings may prefer Original Medicare’s lower monthly premiums instead.

When can I enroll in Medigap plans in Louisiana?

You can enroll in Medigap plans anytime in Louisiana, but timing matters a lot for your coverage options. The optimal enrollment window is your six-month initial enrollment period, which begins when you turn 65 and enroll in Medicare Part B. During this timeframe, insurance companies must accept you regardless of health conditions and cannot charge higher premiums for pre-existing medical issues.

Can I switch from Medicare Advantage to Medigap in Louisiana?

Yes, switching from Medicare Advantage to Medigap in Louisiana is allowed, but insurers review your health and may deny coverage or charge higher premiums based on medical conditions. The best time to make this change is during your Medigap Open Enrollment Period at age 65, when insurers must accept your application. Outside this period, guaranteed coverage applies only in specific qualifying situations.

Our Review Methodology

MoneyGeek collected data for all Medicare plans in Louisiana for 65-year-olds and 75-year-olds, using the plan browsing tool at Medicare.gov. Unless otherwise noted, the data in this article references quotes pulled for 65-year-olds in the state.

We scored Medigap companies in Louisiana based on three main categories to create a weighted score out of 5:

Affordability (50%): Providers with the lowest monthly cost score higher.
Pricing style (20%): Medigap insurers use three methods to determine premiums: Community Pricing, Issue-Age Pricing and Attained Age Pricing. We gave higher scores for pricing styles that are more stable and equitable, as follows: Community Pricing 1.0, Issue-Age Pricing 0.8, Attained-Age Pricing 0.6. Using this scaling, a slightly higher-cost community-rated plan can still score higher overall than a cheaper but more volatile attained-age plan.
Plan availability (30%): Providers with a wider range of plan types score higher, with weighted scoring given to the most popular plan types like Plan G, Plan F and Plan N.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.

Read Full Bio »

Best Medicare Supplement Plans in Louisiana (2026)

Best Cheap Medicare Supplement Companies in Louisiana

Find Louisiana Medicare Supplement Plans That Fit Your Needs

Louisiana Medicare Supplement Plan Cost

How to Choose the Best Louisiana Medicare Supplement Plan

How to Find the Best Louisiana Medicare Supplement Company

Louisiana Medicare Resources

Medicare Supplement Plans in Louisiana: FAQ

What does Medigap cover in Louisiana?

Are Medicare Supplement plans worth it?

When can I enroll in Medigap plans in Louisiana?

Can I switch from Medicare Advantage to Medigap in Louisiana?

Our Review Methodology

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