Medicare Advantage Plans in Louisiana 2026
Last reviewed: June 2026 · Data sourced from CMS.gov
Louisiana has nearly half of its Medicare beneficiaries in Advantage plans, one of the higher rates in the South. New Orleans, Baton Rouge, and Shreveport have the most plan options. Several strong regional carriers operate here alongside the national plans.
roughly 48%
of beneficiaries in Advantage plans
about 870,000
total Medicare beneficiaries
$0–$50
typical monthly premium range
Plan availability varies by county. Enter your ZIP code to see the exact plans, premiums, and coverage available where you live in Louisiana.
What to Look for in a Louisiana Medicare Advantage Plan
- ✓ Whether your current doctors and specialists are in-network
- ✓ Drug formulary — does it cover your prescriptions at a reasonable cost?
- ✓ Monthly premium and annual out-of-pocket maximum
- ✓ Extra benefits: dental, vision, hearing, fitness programs
- ✓ Star rating — CMS rates plans from 1 to 5 stars based on quality and member experience
- ✓ HMO vs. PPO — HMOs require referrals and restrict out-of-network care; PPOs are more flexible
2026 Medicare Advantage Costs in Louisiana
| Cost | Typical Range |
|---|---|
| Monthly premium | $0 to $50 (many plans at $0) |
| Annual out-of-pocket maximum | Up to $9,350 in-network (2026 CMS limit) |
| Primary care visit copay | $0 to $20 typical |
| Specialist visit copay | $20 to $50 typical |
| Inpatient hospital stay | $250 to $350/day for first few days (varies by plan) |
| Part B premium (always required) | $202.90/month standard (2026) |
Medicare Advantage vs. Medigap in Louisiana
Medigap premiums in Louisiana are competitive relative to the South overall. Residents who use specialists at large academic medical centers in New Orleans often prefer Medigap for its lack of referral requirements and its nationwide coverage.
Data note: Plan information is sourced from the U.S. Centers for Medicare and Medicaid Services (CMS). Premiums, coverage, and plan availability change annually. Contact a licensed Medicare agent or visit Medicare.gov for current, binding quotes.