Assured Life Association Medigap Plans in Louisiana Medicare Supplement Insurance by Assured Life Association for Louisiana Seniors
| Plan Type | Est. Premium* | |
|---|---|---|
| Medigap Plan A: | $105.08 | (shop rates) |
| Medigap Plan B: | $114.08 | (shop rates) |
| Medigap Plan C: | $141.58 | (shop rates) |
| Medigap Plan D: | $121.49 | (shop rates) |
| Medigap Plan F: | $142.10 | (shop rates) |
| Medigap Plan G: | $122.54 | (shop rates) |
| Medigap Plan N: | $100.24 | (shop rates) |
| SELECT Plan A: | $105.08 | (shop rates) |
| SELECT Plan B: | $94.68 | (shop rates) |
| SELECT Plan C: | $117.51 | (shop rates) |
| SELECT Plan D: | $100.84 | (shop rates) |
| SELECT Plan F: | $117.95 | (shop rates) |
| SELECT Plan G: | $101.71 | (shop rates) |
*Premiums shown are samples for a 65 year old, non-smoking woman in Louisiana. You must request a quote to get an exact premium for your situation.
The Louisiana State Board of Insurance has licensed Assured Life Association to sell Assured Life Association Medigap plans (Medicare Supplement insurance) to Louisiana seniors with Medicare benefits. Medicare Supplements help pay the deductibles, copayments and coinsurance that come with Original Medicare. The underwriter has been selling supplemental insurance in Louisiana for over 7 years. Their plan offerings are outlined below. You can buy from Assured Life Association with confidence. They earned a rating from A.M. Best Company, nationally recognized for their financial analysis of insurance carriers.
Medigap Plan A
All insurance companies that sell Medicare Plans must offer Plan A. This is the most basic policy covering the portions of Medicare Part A and Part B that the government doesn’t pay.
Louisiana seniors with Medicare benefits are eligible to apply for a Assured Life Association Medigap Plan A policy. It's a Attained Age based premium. We recommend comparing this company's Plan A rate with these carriers:
- New Era Life Medigap Plan A (Louisiana)
- Heartland National Medigap Plan A (Louisiana)
- Central States Medigap Plan A (Louisiana)
Medicare SELECT Plan A
The Medicare SELECT policy offered by Assured Life Association is identical to a regular Medicare Supplement Plan A, but it requires the policyholder to use hospitals and, in some instances, doctors within their network to receive the full insurance benefits of the plan. If you can live with the PPO-like restrictions, it's a great way to reduce your cost. Compare with these carriers:
Medigap Plan B
Plan B is available in most states. It covers basic benefits plus your Skilled Nursing coinsurance, but nothing else. In some rare cases, the premium for this policy could make it worth taking on the risk of those things not covered. Most people find a better alternative by choosing a Plan D, G, or H at a similar price.
You can get Plan B in Louisiana from Assured Life Association . They use the Attained Age cost method to calculate their monthly rates. Before making your final decision, you might want to compare premiums with these carriers:
- Central States Medigap Plan B (Louisiana)
- Sterling Investors Medigap Plan B (Louisiana)
- Sentinel Security Medigap Plan B (Louisiana)
Medicare SELECT Plan B
With this Medicare SELECT Plan B policy you will be required to to use hospitals and, in most cases, doctors within the insurance company's network. Assured Life Association offers this plan to Louisiana seniors. Be sure to compare premiums:
Medigap Plan C
Plan C covers every penny of what Medicare approves, up to the approved payment amount. In other words, there are only two instances in which Plan C will not cover what is left of your charges after Medicare pays its share. The first instance is when Medicare doesn’t approve the charge at all. The second is when your healthcare provider charges more than the Medicare approved amount. This is because Plan C does not cover Medicare Part B Excess Charges.
If you take care to avoid the Medicare Part B excess charges, this is an attractive policy, and Assured Life Association offers it in Louisiana. The monthly premium is calculated using the Attained Age cost method. Before you make a final decision, be sure to compare. Here are a few companies with good rates:
- New Era Life Medigap Plan C (Louisiana)
- Central States Medigap Plan C (Louisiana)
- Sterling Investors Medigap Plan C (Louisiana)
Medicare SELECT Plan C
Assured Life Association offers the Medicare SELECT Plan C policy to Louisiana seniors. This plan does requires the policyholder to use hospitals and, in some instances, doctors within the company's network in order to receive the full coverage benefits of the plan. Be sure that you compare premiums to make sure you're found the best rate:
Medigap Plan D
Plan D covers most of the high risk areas not covered by Medicare. Most often the premium for a Plan D is less than the more comprehensive plans, like Plan F and G, but it leaves gaps in the coverage that these plans don’t.
People who choose this plan frequently do so because they are willing to risk the potential expense of the Part B deductible, preventative care and Medicare Part B excess charges. Before purchasing this plan be sure to compare rates on Plan F and G, as well.
Assured Life Association offers a Plan D policy in Louisiana. It's not the most common plan, but here are a couple carriers we think you should check out to see if they offer a better price:
- Heartland National Medigap Plan D (Louisiana)
- Sterling Investors Medigap Plan D (Louisiana)
- Sentinel Security Medigap Plan D (Louisiana)
Medicare SELECT Plan D
This Medicare SELECT Plan D from Assured Life Association is a managed care supplement plan. You get all the same benefits as a regular Plan D, but you must use hospitals and, in some instances, doctors within the carrier's network to receive the full benefits of the insurance. You have options, so make sure you compare premiums:
Medigap Plan F
Plan F is the most popular of all supplements. It offers comprehensive coverage for everything Original Medicare doesn’t cover as long as the charge is approved.
There are No Co Pays, No Deductibles and No Out of Pocket Costs with Plan F. That means if your Medicare Part A or Part B pay a penny on any doctor or hospital charges, this policy will cover the gap. Period.
The two gaps that are not covered are At Home Recovery and Preventative Care. These expenses are not covered by Medicare at all.
Plan F is by far the most commonly purchased Medicare supplement in Louisiana. Assured Life Association offers a good Medigap Plan F, however, don't forget to compare prices. Make sure you're getting the lowest premium available in Louisiana by comparing quotes from these insurance carriers:
- New Era Life Medigap Plan F (Louisiana)
- Heartland National Medigap Plan F (Louisiana)
- Central States Medigap Plan F (Louisiana)
Medicare SELECT Plan F
Medicare SELECT is a managed care supplement plan (like an HMO or PPO) for Medicare beneficiaries. If you purchase this plan, Assured Life Association requires you to use the hospitals and, in some instances doctors, within the company's network. Other than that, this policy offers you the same great coverage as a standard Plan F. Compare the premium on this plan with these carriers to be sure you're getting the best price:
Medigap Plan G
Plan G has almost as much coverage as a Plan F. The difference is the Part B deductible. After your annual Medicare Part B deductible is met, this plan will cover the coinsurance amount of Medicare-approved medical services, which is generally 20% of the approved amount.
If you stay in the hospital for longer than 60 days, but less than 90 days, Plan G covers your Medicare Part A coinsurance for each benefit period. For each Medicare “hospital reserve day” you use, Plan G pays the full per day Medicare Part A coinsurance amount. “Hospital reserve days” are 60 nonrenewable hospital days that Medicare provides you which can only be used once in a lifetime. After all Medicare hospital benefits are exhausted, Plan G covers 100% of Medicare Part A eligible hospital expenses.
Most experts agree that Plan G is the best alternative to the F Plan. It offers all of the same benefits, except the Part B deductible. Assured Life Association offers a Plan G and we think it's worth comparing with the rates offered by these carriers:
- New Era Life Medigap Plan G (Louisiana)
- Heartland National Medigap Plan G (Louisiana)
- Forethought Life Medigap Plan G (Louisiana)
Medicare SELECT Plan G
Like a regular Plan G, the Medicare SELECT offers good coverage for a reduced price. Assured Life Association offers this Medicare SELECT policy to Louisiana seniors. It's a managed care supplement plan, so be sure to review the restrictions and compare premiums:
Medigap Plan N
Offering benefits similar to Plan D, Plan N features a $20 co-payment for doctor visits and a $50 co-payment for emergency room visits. These co-pays are applied once the annual deductible is met. Most Plan N premiums are approximately 70% of a Plan F and 77% of Plan D premiums.
Plan N gives you all of the basic coverage benefits, plus it pays your Medicare Part A deductible. You pay the Part B deductible and the Part B excess charges. You are also responsible for a $20 co-pay when you visit the doctor and up to $50 for each emergency room visit. If saving money is your goal, this plan will help. Compare premiums with these carriers before you buy:
- New Era Life Medigap Plan N (Louisiana)
- Heartland National Medigap Plan N (Louisiana)
- Central States Medigap Plan N (Louisiana)
Eligibility
You are eligible to apply for a Assured Life Association Medicare Supplement if you are:
- A resident of Louisiana,
- Enrolled in Medicare Parts A and B, and
- You are age 65 or over.
Assured Life Association offers plans in New Orleans, Metairie, Baton Rouge, Shreveport, Lafayette, Lake Charles, Kenner, Bossier City, Monroe, Alexandria and most other areas of the state.
This page is maintained by and was last updated on 9/22/2015.
