If you’re a senior in Louisiana and you need Medicare coverage, you have a long and complicated search ahead of you. That is, if you go it alone. After all, finding your own health insurance plan can be a headache just by itself, but with all of the different Medicare options and requirements, it’s even more complicated.

Thankfully, it doesn’t have to be.

Our trained and licensed health insurance agents make finding Louisiana Medicare and Medicare Advantage plans simple. Buffalo Health Advisors is based in Nashville, TN, but our agents are certified health insurance reps in many states.

We take the time to get to know you and your needs to help you find the right Medicare Advantage plan for your needs. We’ll never try to pressure you into signing up for a plan that you don’t want. So, if you need help finding MA plans in Louisiana, call one of our health insurance agents to get started today.

A Louisiana senior couple at sunset

If I’m Under 65, Can I Get Medicare If I Have a Disability?

The short answer is yes.

People under 65 who have been diagnosed with a debilitating medical condition, most commonly End-Stage Renal Disease, can join a Medicare Plan.

Louisiana Medicare Advantage Requirements

Across the United States, Medicare has the same eligibility requirements. If you’re familiar with Medicare already, you’ll know that plans typically are only available to people age 65 and older. Note that these requirements are set by Original Medicare, which is a combination of Medicare Parts A and B. Original Medicare also will always offer the same coverage no matter where you live due to federal regulations.

However, Medicare Advantage coverage, which is offered through private companies like Aetna, Bright, Humana, and Oscar, does vary depending on which state you live in.

Besides being age 65 or older, Medicare requires that beneficiaries:

  • Have paid Medicare taxes for at least 10 years, either personally or through their spouse
    Qualify for and are receiving retirement benefits from Social Security or
  • Have qualified for and are receiving retirement benefits from the Railroad Retirement Board
  • Are eligible for benefits from Social Security or the RRB, but have not filed for them
  • Have had Medicare-covered government employee benefits

Keep in mind that technically, Medicare is not free. However, if you met the above requirements you should qualify for premium-free Part A coverage. Also, if you automatically qualify for Medicare benefits, you will not need to sign up.

Adult children can rest assured that their senior parents can get the medicare coverage they need in Louisiana

What Do I Get With Original Medicare?

Louisiana Original Medicare plans provide the same benefits as Medicare in other states. You will have access to both Medicare Part A and Part B benefits.

Benefits of Louisiana Medicare Advantage Plans Include:

  • Dental Care
  • Hearing Benefits
  • Vision/Optometry
  • Wellness Program Benefits
  • Over-The-Counter Prescription Drug Coverage

Benefits from Part A Coverage include:

  • Limited Prescription Drug Coverage
  • Care From Providers Who Accept Medicare
  • Inpatient Hospital Care
  • Nursing Home Care
  • Home-Based Care
  • Skilled Nursing Facility Care
  • Hospice Care

Benefits from Medicare Part B Coverage include:

  • Regular Doctor’s Appointments
  • Preventative Services and Health Care
  • Clinical Research
  • Ambulance Services
  • Mental Health Care
  • Some Outpatient Prescriptions
  • Durable Medical Equipment (DME)

Why Should I Get Medicare Advantage Coverage in Louisiana?

Medicare coverage pays for basic medical needs and usually does not offer enough coverage to fully serve seniors. Thankfully, you can sign up for Medicare Advantage plans to help fill the gap that is not covered by Original Medicare.

Advantage plans offer coverage for a wider range of prescription drugs, access to medical specialists, customized care, preventative healthcare, wellness visits, dental care, and more.

Types of Louisiana Medicare Advantage Plans

  • Preferred Provider Organization or PPO
  • Health Maintenance Organization or HMO
  • Private Fee-For-Service or PFFS
  • Special Needs Plans or SNP
  • Medicare Supplement Plans (Medigap)

Louisiana PPO Plans

As one of the most popular MA plan options, Preferred Provider Organization plans offer beneficiaries discounted care from a network of physicians, nurses, doctors and other essential medical providers.

One advantage of PPOs versus HMOs is that PPO subscribers don’t have to select a PCP when they join their plan. As a result, beneficiaries do not have to visit their PCP before visiting a specialist.

However, the disadvantage of a PPO plan is that they typically charge higher premium rates than other plans like HMOs. For many people, however, the greater flexibility of a PPO plan is worth the cost of the premiums. If you’re interested in Louisiana PPO medicare Advantage plans, talk to one of our trained health insurance agents in Nashville, TN to learn more.

Learn more about Medicare PPO Plans.

Louisiana HMO Plans

Yet another popular choice for Louisiana Medicare beneficiaries, Health Maintenance Organization plans provide coverage for people who need only basic medical care to maintain their health. Furthermore, HMO plans typically have fewer costs.

In terms of coverage, HMOs offer coverage for yearly wellness visits, lower out-of-pocket costs for prescription drugs, and a PCP to help you manage your care.

When you sign up for a Louisiana HMO, you will have to select a PCP to be your main contact for your medical care. Visiting your PCP will also be your first step to seeing a specialist for and conditions that pop up.

Learn more about Louisiana HMO Plans.

Medicare Application Vector illustration

Louisiana PFFS Plans

If you’re looking for the most flexible type of Medicare plan in Louisiana, ask a trained health insurance advisor about Private-Fee-For-Service Plan. When you join a Medicare PFFS plan, you can visit any provider, however, that provider has the right to accept or reject the terms of the plan. As a result, providers also have the option to either accept or reject the plan each time you see them.

Learn more about PFFS Plans.

Louisiana SNPs

Most Louisiana Medicare and Medicare Advantage plans can only be joined by seniors age 65 and older. However, there are still many people who need government assistance for healthcare coverage for disabilities and chronic conditions. To fill this gap, there are Medicare Special Needs Plans available in Louisiana.

Only individuals diagnosed with certain conditions or who meet one of the preexisting requirements will be eligible for a Louisiana SNP.

Types of SNPs Include:

  • Chronic SNPs (C-SNP)
  • Institution-Based SNPs (I-SNP)
  • Dual Eligibility SNP (D-SNP)

C-SNPs provide care coverage for persons with chronic conditions that require frequent treatment or dialysis such as End-Stage Renal Disease (ESRD).

I-SNPs provide coverage for people who receive long-term care in a facility such as a nursing home.

D-SNPs are aimed at helping people who qualify for both Medicare and Medicaid in Louisiana.

To sign up for a Louisiana SNP Advantage plan, you can find one through the health insurance marketplace, or work with an independent health insurance agent with a Louisiana Medicare license.

Learn more about SNPs.

Louisiana seniors sitting outside on a porch together, smiling to show they're happy with their Louisiana Medicare Advantage plan benefits

Louisiana Medicare Supplement Plans

Medicare supplements, donut hole coverage, or Medigap plans all work to cover the cost of healthcare not covered by Medicare Parts A and B. These plans do have a monthly premium that you will have to pay during the plan’s lifetime. This premium will be charged in addition to your Medicare Part B premiums. So be prepared to pay some extra money for your coverage.

Learn more about Medigap.

Call Buffalo Health Advisors for Louisiana MA Plans

Eliminate the headaches that come with trying to find your own Medicare plans. Let our trained Medicare agents help you find the perfect Louisiana Medicare plan to fit your needs.

Schedule a conversation with one of our health insurance agents today, and let’s get you the coverage you need.

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