Medicare in Louisiana
This article was updated on: 09/16/2018
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About Medicare in Louisiana
Louisiana residents have access to several types of Medicare insurance plan options. They may choose to enroll in a Medicare Advantage plan, also known as Medicare Part C, if they would like to replace their Original Medicare, Part A and Part B, coverage. Otherwise, they may want to add Medicare Part D prescription drug coverage, and/or Medicare Supplement Insurance to their Original Medicare. Please note that plan availability and costs may vary depending on where in Louisiana you live.
Types of Medicare coverage in Louisiana
Medicare Part A (inpatient hospital care) and Part B (doctor’s services) are available through the federal government. They are available in any state to anyone who is eligible for Medicare.
Medicare Advantage, or Part C, is Medicare health insurance offered through health insurance companies approved by Medicare. Part C plan details and costs can vary by location and plan.
Medicare Part D Prescription Drug Plans (PDPs) are the prescription drug benefits offered through Medicare-approved insurance companies. These stand-alone Part D plans provide prescription drug coverage to Medicare beneficiaries. Details and costs may change depending on the plan.
Medicare Supplement insurance plans are insurance policies that cover “gaps” in Part A and Part B coverage. These plans are also known as Medigap polices and they can help pay for out-of-pocket health-care costs that are not covered by Original Medicare, such as deductibles, copayments, and coinsurance.
Local resources for Medicare in Louisiana
Medicare Savings Programs in Louisiana: Discounts are available to Medicare beneficiaries in Louisiana who need financial assistance with some of their out-of-pocket medical costs. Normally, to qualify for a Medicare Savings Program, your income must be below a certain limit, but the only way to see if you qualify is by applying.
Louisiana State Health Insurance Counseling and Assistance Program (SHIP): The Senior Health Insurance Information Program (SHIIP) counsels seniors on various topics like Medicare claims and the Medicare appeals process at no cost. You can speak to volunteer counselors in person or over the phone.
How to apply for Medicare in Louisiana
The process of Medicare enrollment is the same in Louisiana as in any other state. To qualify for Medicare, you must be either a United States citizen or a legal permanent resident of at least five continuous years. Some people will not have to take any action to apply for Medicare, and will be enrolled automatically if they receive retirement benefits through the Social Security Administration (SSA) or the Railroad Retirement Board (RRB).
Some people qualify for Medicare under age 65:
- Those under the age of 65 will be enrolled once they have received disability benefits from Social Security or certain disability benefits from the Railroad Retirement Board for more than 24 straight months.
- People with ALS (amyotrophic lateral sclerosis) are automatically enrolled in Medicare the same month they start receiving disability benefits.
- Those with End-Stage Renal Disease (ESRD) may qualify for Medicare, but must apply manually.
If you need to enroll manually, then you may visit your local Social Security Administration office to do so. You may also apply for Medicare via the Social Security website, or you may contact them by phone.
- Visit the Social Security website.
- Call Social Security at 1-800-772-1213 (TTY users should call 1-800-325-0778), Monday through Friday, 7AM to 7PM.
- If you worked for a railroad, call the Railroad Retirement Board at 1-877-772-5772 (TTY users call 312-751-4701), Monday through Friday, 9AM to 3:30PM.
As you can see, there are many options to consider when deciding on Medicare insurance. If you’re enrolled in Original Medicare, Part A and Part B, and would like to know a little bit more about what other Medicare plan options might benefit you, consider reaching out to me. I would enjoy helping you understand Medicare, and I’m happy to answer any questions you might have. If you want to learn a little more about me, click the View profile link near my picture below. Or, use one of the other links below to request a phone conversation or an email with personalized options. If you’d like to review Medicare plan options in your area, scroll back up and use the Compare Plans button.