Medicare Advantage

Compare 124 Louisiana Medicare Advantage Plans for 2027 From 10 Carriers

BATON ROUGE — Louisianans with Medicare have 124 Medicare Advantage plans to compare for the 2027 plan year, offered by 10 carriers across the state. The Annual Enrollment Period runs October 15 through December 7, 2026, and the plan a person chooses during that window takes effect January 1, 2027. Availability varies parish by parish, so a plan listed statewide may or may not be sold where a given reader lives.

How many Medicare Advantage plans are offered in Louisiana for 2027?

Louisiana has 124 Medicare Advantage plans for 2027, offered by 10 carriers statewide, according to the CMS MA Landscape Source File for CY2027. Of those 124 plans, 118 include prescription drug coverage. Comparing the current year to the coming year, 33 plans are new for 2027 and 20 plans from 2026 are not returning. These counts are statewide; a plan listed here is sold parish by parish, so the shorter list a reader actually sees in the Medicare Plan Finder for their own ZIP code will be smaller than 124.

What types of Medicare Advantage plans and Special Needs Plans are available in Louisiana for 2027?

Louisiana's 2027 lineup includes 35 HMO plans, 40 HMO-POS plans and 49 PPO plans, along with 34 Dual Eligible Special Needs Plans (D-SNPs), 17 Chronic Condition Special Needs Plans (C-SNPs) and 3 Institutional Special Needs Plans (I-SNPs). HMOs generally ask members to use an in-network set of doctors and hospitals and to pick a primary care provider; HMO-POS plans add a limited point-of-service option for certain care outside the network; PPOs typically allow both in- and out-of-network care at different cost levels. Special Needs Plans are built for specific groups: D-SNPs for people with both Medicare and Medicaid, C-SNPs for people with qualifying chronic conditions, and I-SNPs for people who live in or need the level of care provided in an institutional setting. Eligibility rules apply, and the plan can confirm whether a person qualifies.

Which carriers offer Medicare Advantage plans in Louisiana for 2027?

Ten carriers offer Medicare Advantage plans in Louisiana for 2027: Aetna (CVS Health), American Health Advantage of Louisiana, AmeriHealth Caritas VIP Care (HMO-SNP), Blue Cross and Blue Shield of Louisiana, Centene (WellCare), Devoted Health, Elevance Health (Anthem), Humana, Lagniappe Advantage, and UnitedHealthcare. Plan counts per carrier range from a single plan to several dozen, and each carrier offers a specific mix of HMO, HMO-POS, PPO or SNP products — the full carrier-by-carrier breakdown is shown in the table on this page. Because availability is set by county, two neighbors in different parishes can see different carrier lists in the Plan Finder.

How do I compare Medicare Advantage plans in my own Louisiana parish for 2027?

The most reliable way to compare plans in a specific Louisiana parish for 2027 is to run a personalized search in the Medicare Plan Finder at medicare.gov, using the reader's own ZIP code and medication list. A step-by-step approach:

1. List your doctors and hospitals. Write down each provider you want to keep seeing. Check each plan's current provider directory, and when possible call the provider's office to confirm they will accept that plan in 2027. 2. List your prescriptions. Include the exact name, dose and how often you take each one. Enter them into the Plan Finder so it can show how each plan's drug list (formulary) treats them. 3. Check your pharmacy. Plans use preferred and standard pharmacy networks, which can change your out-of-pocket drug costs. Confirm your pharmacy is in-network for any plan you consider. 4. Read your Annual Notice of Change (ANOC). If you already have a Medicare Advantage or Part D plan, your current carrier mailed or posted an ANOC by late September describing what is changing for 2027. Compare the 2026 and 2027 sides. 5. Look at the full plan documents. The Summary of Benefits and the Evidence of Coverage spell out rules, prior authorizations and cost-sharing. These come from the plan. 6. Compare apples to apples. Line up two or three plans side by side in the Plan Finder on the same screen rather than from memory.

What should I do before December 7, 2026, for Medicare coverage that starts January 1, 2027?

Before December 7, 2026, Louisianans with Medicare should decide whether to keep their current coverage, switch to a different Medicare Advantage plan, or move between Original Medicare and Medicare Advantage; whatever is chosen in that window takes effect January 1, 2027. If a current plan is one of the 20 that is not returning for 2027, the carrier is required to send a non-renewal notice, and the member will need to pick new coverage to avoid a gap. If a current plan is returning, no action is required to keep it, but reading the ANOC is still worthwhile because benefits, drug lists and networks can shift year to year. The December 7 deadline is a date, not a sales clock — the same date applies to every plan and every carrier.

Where can Louisiana residents get free help comparing 2027 Medicare Advantage plans?

Free, official help with 2027 Medicare Advantage plans is available from Medicare itself. The Medicare Plan Finder at medicare.gov lets a person enter their ZIP code, doctors and medications and see the plans sold in their parish, with the plan's own cost and benefit details. 1-800-MEDICARE (1-800-633-4227) is open 24 hours a day, seven days a week, and can walk a caller through enrollment questions. Both resources are free, and neither is tied to any carrier.