The Best Louisiana Medicare Supplement Plans (2022)

Louisiana residents can pick from 10 Medicare Supplement plans, also known as Medigap insurance plans. Cigna and Blue Cross Blue Shield of Louisiana rank the best overall. However, your eligibility determines which plans are accessible to you. Since Medicare Advantage plans replace Medicare plans, including Original Medicare, you cannot have both Medigap and Medicare Advantage plans in Louisiana.

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Last Updated: 6/23/2022
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On average, a 65-year-old in Louisiana pays around $118 monthly for Medicare Supplement plans, and a 75-year-old pays roughly $179.

Because of their extensive coverage, Plans F and G, which cost around $207.22 and $116.60 per month, respectively, are the most popular choices. Plan F is only accessible to people who were Medicare beneficiaries before 2020.

Plan N is the next most popular option, offering comparable coverage but at a higher cost. It costs around $94.60 monthly.

Based on average prices and benefits, MoneyGeek selected the top F, G and N plans. In our review of the best Medicare Supplement plan in Louisiana, we evaluate the various plan types and coverage.

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Best Medicare Supplement Plans in Louisiana

Best Medicare Supplement Plan G in Louisiana

Blue Cross Blue Shield of Louisiana offers the best Medigap Plan G in Louisiana at an average monthly rate of $120. It also offers a SELECT plan. Remember that MoneyGeek's rankings only include insurers that offer online quotes. It is likely that some businesses may not provide online quotes but will offer reasonable prices.

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MoneyGeek Top Pick
Blue Cross and Blue Shield of Louisiana
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $120

Blue Cross Blue Shield of Louisiana's Plan G is significantly less expensive than the state's average monthly premium for Plan G insurance, which is $141.40. The plan also includes coverage for foreign travel emergencies.

The SELECT plan, which is a network-only variant of the standard Medicare Supplement plan, is another option provided by Blue Cross Blue Shield of Louisiana. With this plan, you'll only spend $89.20 each month. However, you'll be restricted to a smaller network.

MORE ABOUT PLAN G IN LOUISIANA

Navigate to learn more about Medigap Plan G in Louisiana, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan G in Louisiana

The average monthly cost of Medicare Supplement Plan G in Louisiana is $141.40. The premium you pay is affected by several factors, including your current age, discounts and other medical underwriting factors.

Blue Cross Blue Shield of Louisiana's Plan G is the state's cheapest for 65-year-olds in Louisiana, costing $104.60 a month. Compared to Cigna's monthly premium of $145.10, which is the highest in the state, Blue Cross Blue Shield of Louisiana is around $40 cheaper.

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65

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  • Company
    Sample Monthly Rate
  • Blue Cross Blue Shield of Louisiana
    $105
  • Physicians Mutual
    $112
  • UnitedHealthcare
    $121
  • Cigna
    $145

Providers Offering Plan G in Louisiana

Although Louisiana has 34 companies offering Plan G policies, just a few of them offer online quotes. However, you can find the best Plan G provider in the state by using MoneyGeek’s table below containing contact information from several other providers. Each company’s pricing model makes it easier for you to identify which ones will raise your price as you age.

Providers Offering Plan G in Louisiana

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Blue Cross Blue Shield of Louisiana
    (225) 295-3307
    Attained Age
  • Catholic Life Insurance
    800-262-2548
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age
  • elipsLife
    (877)969-5675
    Attained Age

What Does Plan G Cover?

All Medigap policies are expected to cover specific benefits. However, Plan G excludes Part B deductibles from its coverage and only covers 80% of foreign travel emergency expenses up to your policy's maximum limit. Besides the standard benefits, some insurers offer additional benefits in their Plan G policies. The Renew Active program offered by UnitedHealthcare is an excellent example of this type of advantage.

Required Benefits of Plan G in Louisiana
  • Medigap Benefit
    Does Plan G Cover?
  • Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan F in Louisiana

With an average price of $208.66, Cigna is the best Medicare Supplement Plan F provider in Louisiana. Note that MoneyGeek's ranking only contains companies that offer quotes online. To learn about other providers' coverage and costs, you can contact them directly.

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MoneyGeek Top Pick
Cigna Medicare
  • MoneyGeek Score: 90 out of 100
  • Average Monthly Rate: $208.66

In Louisiana, the average monthly cost of Plan F insurance is $207.20, which is a negligible difference of roughly $1. Cigna's plan comes with benefits that include the Cigna Healthy Rewards Program, which is updated on a regular basis. Currently, policyholders get discounts of up to 25% on a variety of healthcare and wellness products and services. Additionally, you get 24-hour access to the Cigna Health Information Line for assistance with inquiries and concerns.

MORE ABOUT PLAN F IN LOUISIANA

Navigate to learn more about Medigap Plan F in Louisiana, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan F in Louisiana

Medigap Plan F costs an average of $207.20 per month in Louisiana. However, actual costs can vary depending on the insurer you choose, your current age, the age at which you purchased the plan and other factors.

For example, Physicians Mutual offers the cheapest Plan F premiums in Louisiana for 75-year-olds at an average rate of $165.40 monthly. UnitedHealthcare is the most expensive, costing $292.10 monthly. This is a difference of around $127.

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  • Company
    Sample Monthly Rate
  • Blue Cross Blue Shield of Louisiana
    $167

Providers Offering Plan F in Louisiana

You can choose from 35 Medigap Plan F providers in Louisiana. However, some of them don't offer online quotes. MoneyGeek's table below contains the contact information for several insurers so that you can contact them to learn about their prices and coverage. The pricing models indicate which ones are likely to be more expensive as you age.

Providers Offering Plan F in Louisiana

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Bankers Fidelity
    1-866-458-7504
    Attained Age
  • Blue Cross Blue Shield of Louisiana
    (225) 295-3307
    Attained Age
  • Catholic Life Insurance
    800-262-2548
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age

What Does Plan F Cover?

Plan F is a standardized comprehensive plan and must come with certain benefits. Despite Plan F's extensive coverage, it only covers around 80% of the foreign trip emergency expenses. However, companies may provide additional benefits that are not common to all, like Cigna’s Health Rewards program.

Required Benefits of Plan F in Louisiana
  • Medigap Benefit
    Does Plan F Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    Yes
  • Part B excess charge
    Yes
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plan N in Louisiana

In Louisiana, Blue Cross Blue Shield of Louisiana's Plan N is the most affordable option for seniors looking for Medicare Supplement Plan N. Its average monthly premium is $90.60. It also offers a SELECT plan. Only those companies who offer online quotes are included in MoneyGeek's ratings. Other Plan N suppliers in the state who don’t offer their quotes online may provide competitive prices. To learn about their rates and coverage, you'll have to speak with them directly.

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MoneyGeek Top Pick
Blue Cross and Blue Shield of Louisiana
  • MoneyGeek Score: 80 out of 100
  • Average Monthly Rate: $90.60

Blue Cross Blue Shield of Louisiana's Plan N is about $30 less than the state's average cost of $120.80. It also has Foreign Travel Emergency coverage, which pays for up to 80% of the costs of medical emergency care when you're traveling out of the country. The company even provides the SELECT plan, which only costs around $62.50.

MORE ABOUT PLAN N IN LOUISIANA

Navigate to learn more about Medigap Plan N in Louisiana, including how much it costs on average, what providers are available and what it covers.

The Cost of Medicare Supplement Plan N in Louisiana

In Louisiana, Plan N costs an average of $120.80 per month. This average rate varies based on your current age, your age when you purchased the plan and medical underwriting factors.

The cheapest plan for 65-year-olds in Louisiana is Blue Cross Blue Shield of Louisiana's Plan N, which costs roughly $76.60 per month. At $108.30 per month, UnitedHealthcare is the most costly option. By choosing the cheaper company over the most expensive, you can save around $32 monthly.

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  • Company
    Sample Monthly Rate
  • Blue Cross Blue Shield of Louisiana
    $77
  • Cigna
    $103
  • UnitedHealthcare
    $108

Providers Offering Plan N in Louisiana

Although Plan N insurance is available in Louisiana from 34 companies, only a few provide quotes online. MoneyGeek has included the contact information of some insurers below so that you can easily find one that fits your needs. You can evaluate whether a company uses an age-based pricing strategy by evaluating its pricing policies.

Providers Offering Plan N in Louisiana

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  • Company
    Contact Number
    Pricing Style
  • Aetna
    800-358-8749
    Attained Age
  • Liberty Bankers
    1-833-504-0331
    Attained Age
  • Atlantic Coast Life
    1-844-442-3847
    Attained Age
  • Blue Cross Blue Shield of Louisiana
    (225) 295-3307
    Attained Age
  • Central States Health and Life Co. of Omaha
    800-826-6587
    Attained Age
  • Catholic Life Insurance
    800-262-2548
    Attained Age
  • Cigna
    1-855-891-9368
    Attained Age
  • Colonial Penn
    1-877-877-8052
    Attained Age

What Does Plan N Cover?

All Medigap plans must include some benefits. Plan N excludes Part B deductibles and Part B excess charges. However, the policy only covers 80% of foreign travel emergencies. Some, like Blue Cross Blue Shield of Louisiana’s foreign travel emergency coverage and UnitedHealthcare's Renew Active, are unique benefits not available through other companies.

Required Benefits of Plan N in Louisiana
  • Medigap Benefit
    Does Plan N Cover?
  • Part A co-insurance and hospital costs up to an additional year after Medicare benefits are used up
    Yes
  • Part B co-insurance or copayment
    Yes
  • Blood (first 3 pints)
    Yes
  • Part A hospice care co-insurance or copayment
    Yes
  • Skilled nursing facility care co-insurance
    Yes
  • Part A deductible
    Yes
  • Part B deductible
    No
  • Part B excess charge
    No
  • Foreign travel exchange (up to plan limits)
    80%

Best Medicare Supplement Plans in Louisiana: Other Plan Types

Due to their lower levels of coverage, other Medicare Supplement plan types — which include Plans A, B, C, D, K and L — are less popular than Plans F, G and N. MoneyGeek's analysis found that UnitedHealthcare offers the best Medigap Supplement plans in Louisiana for most plan types. In addition to UnitedHealthcare, you also get online quotes from Physicians Mutual, Blue Cross Blue Shield of Louisiana and Cigna.

It should be noted that anyone who enrolled in Medicare after January 1, 2020, will not be eligible for Plan C.

The Best Medicare Supplement in Louisiana - Alternate Plans
  • Plan Type
    Best Plan
    Monthly Cost
  • A

    UnitedHealthcare

    $85.09

  • B

    UnitedHealthcare

    $130.99

  • C

    UnitedHealthcare

    $291.22

  • F

    Cigna

    $208.66

  • G

    Blue Cross Blue Shield of Louisiana

    $120.00

  • K

    UnitedHealthcare

    $56.27

  • L

    UnitedHealthcare

    $91.65

  • N

    Blue Cross Blue Shield of Louisiana

    $90.60

How to Find the Best Medicare Supplement Plans in Louisiana

Medigap insurance is a complicated topic, particularly for anyone who is new to the concept. MoneyGeek gathered prices and other facts from several insurers to help you pick a Medicare Supplement plan that fits your needs. You can use MoneyGeek's Medicare Supplement plans comparison chart for Louisiana to compare and find the best company.

Lousiana Medicare Supplement Plans Comparison Chart

Medigap policies vary in terms of coverage and accessibility. However, the availability of policies depends on when you became eligible for Medicare. For example, while Plans F and C are excellent choices, they are not available to new enrollees. As a result, Plans G and D are replacing those plans.

You can compare Medicare Supplement plans in Louisiana using the chart below. It shows various coverages and average costs of different plan types.

Medicare Supplement Comparison Chart
Coverage
A
B
C
D
F
G
K
L
M
N

Part A co-insurance and hospital costs up to an additional 365 days after Medicare benefits are used up

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Yes

Part B co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Blood (first 3 pints)

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A hospice care co-insurance or copayment

Yes

Yes

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Skilled nursing facility care co-insurance

No

No

Yes

Yes

Yes

Yes

50%

75%

Yes

Yes

Part A deductible

No

Yes

Yes

Yes

Yes

Yes

50%

75%

50%

Yes

Part B deductible

No

No

Yes

No

Yes

No

No

No

No

No

Part B excess charge

No

No

No

No

Yes

Yes

No

No

No

No

Foreign travel exchange (up to plan limits)

No

No

80%

80%

80%

80%

No

No

80%

80%

The Cost of Medicare Supplement Plans in Louisiana

The cost of Medicare Supplemental Insurance is subject to change depending on the kind of plan and provider. UnitedHealthcare is the cheapest in Louisiana for most of the Medigap plan types. However, Physicians Mutual is the cheapest for Plan F policies and Blue Cross Blue Shield of Louisiana is the cheapest for Plans G and N.

Insurance companies often analyze quotes in one of three ways:

  • Attained-Age: This is the state's most popular pricing method. Using this method, your premium will be determined by your present age, and your monthly rate will increase as you age.
  • Issue-Age: Your age when you initially became eligible for Medicare determines the cost of your insurance. The costs will not change as you age.
  • Community-Rated: Except for Plan D and Plan M, each policyholder in a certain plan type pays the same monthly premium.
Average Cost of Medicare Supplement in Louisiana

Sort by Plan Letter:

A

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  • Company
    Sample Monthly Rate
  • UnitedHealthcare
    $85
  • Blue Cross Blue Shield of Louisiana
    $130
  • Cigna
    $141
  • Physicians Mutual
    $168

FAQs About Medicare Supplement Plans in Louisiana

MoneyGeek has listed and answered the most frequently asked questions about Medicare or Medigap Supplement plans in the state of Louisiana.

Methodology

MoneyGeek collected data from the biggest Medicare Supplement/Medigap providers in Louisiana for 65-year-olds and 75-year-olds. Plans were only rated as one of the best if we could obtain an accurate quote from the provider online.

MoneyGeek’s scoring system weighted affordability 75% and benefits 25%. A Medigap provider received 5% for every benefit, up to a maximum of 25%.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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