Louisiana Senior Health Insurance
Explore Your Options
When the rest of the country thinks of Louisiana, most think of New Orleans and Mardi Gras. But for residents of Louisiana, it’s so much more than that. Louisiana is a beautiful place to live and is home to about 4.65 million people. Of those 4.65 million residents about 17% are 65 or older. So, whether you are already in that percentage or will be soon, it’s important to know your senior health insurance options. The specialists at MySeniorHealthPlan.com are here to help you make an informed decision about your healthcare. But first, let’s go over your basic options.
Medicare Supplements, also known as Medigap plans, can be purchased from insurance carriers. This type of plan works in conjunction with your Medicare Parts A and B. It can cover co-pays, deductibles and more. On some occasions a Medicare Supplement will offer benefits such as dental and vision with an additional premium. These are standardized plans by the government and only vary in premium cost, customer services and carrier credibility. This type of plan never includes prescription drug coverage; therefore, you will want to purchase a stand-alone Prescription Drug Plan to go along with it.
Prescription Drug Plans (PDPs) are stand-alone plans sold by multiple carriers, designed to help with the cost of your prescriptions. The state of Louisiana has many different Prescription Drug Plan options. Prescriptions are covered based on their tier levels which can be found in the plan’s formulary. Formularies can change year to year so it’s important to assess your coverage every year during October 15th through December 7th. The specialists at MySeniorHealthPlan.com will give you a free assessment annually to ensure you stay on the proper plan. Some people may qualify for extra help for their Prescription Drug Plan, click here to see if you qualify.
Next, there are Medicare Advantage Plans (Part C). This type of plan is a network-based plan and typically includes prescription drug coverage right into the policy. They are also county-based plans so a plan available to you might not be available in the next country over. Louisiana has many Medicare Advantage Plans available to them and some are even offered with a $0 premium. To see what Medicare Advantage Plans are available to you contact MySeniorHealthPlan.com for your free plan analysis.
Some retirees of Louisiana also have benefits through Indian Health Services. The relationship between the federal government and Native American tribes constitutes various rules to follow. However, CMS has made Medicare and Medicaid healthcare services accessible to all Native Americans who eligible. For more information visit http://www.ihs.gov
Senior Resources:
Indian Health Services: http://www.ihs.gov
Medicare: www.Medicare.gov
State Site: www.louisiana.gov
Social Security: http://www.socialsecurity.gov/medicare/prescriptionhelp
Louisiana Department of Health & Hospitals: http://dhh.louisiana.gov/index.cfm/subhome/12/n/7
