|Plan Type||Est. Premium*|
|Medigap Plan A:||$76.50||(shop rates)|
|Medigap Plan B:||$89.25||(shop rates)|
|Medigap Plan C:||$106.91||(shop rates)|
|Medigap Plan F:||$111.16||(shop rates)|
|Medigap Plan N:||$77.83||(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 Central States Health & Life Co Of Omaha to sell Central States 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 company has been selling supplements for more than 1 years. Their full range of plans for Louisiana seniors are listed below. Central States received an A+ rating from A.M. Best Company, the leading provider of credit ratings and financial data for the insurance industry.
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 Central States Health & Life Co Of Omaha 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)
- UnitedHealthcare Medigap Plan A (Louisiana)
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 Central States Health & Life Co Of Omaha . 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:
- Sterling Investors Medigap Plan B (Louisiana)
- Sentinel Security Medigap Plan B (Louisiana)
- UnitedHealthcare Medigap Plan B (Louisiana)
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 Central States Health & Life Co Of Omaha 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)
- Sterling Investors Medigap Plan C (Louisiana)
- Forethought Life Medigap Plan C (Louisiana)
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. Central States Health & Life Co Of Omaha 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)
- United of Omaha Medigap Plan F (Louisiana)
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)
- Sentinel Security Medigap Plan N (Louisiana)
You are eligible to apply for a Central States Medicare Supplement if you are:
- A resident of Louisiana,
- Enrolled in Medicare Parts A and B, and
- You are age 65 or over.
Central States 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 9/22/2015.and was last updated on