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HomeMedicare SupplementLouisianaMedigap in Louisiana for 2027: 23 Insurers and the Plans They Sell

Medicare Supplement

Medigap in Louisiana for 2027: 23 Insurers and the Plans They Sell

NEW ORLEANS — For Louisianans who stay with Original Medicare, a Medicare Supplement policy — commonly called Medigap — is the piece that handles much of what Parts A and B leave behind. Medicare.gov's Medigap policy search for ZIP code 70112 currently lists 23 insurers selling standardized plans in the state, across plan letters A, B, C, D, F, F-HD, G, G-HD, K, L, M and N. This explainer walks through who is listed, when a person can buy in without medical questions, and what to do if a Medicare Advantage plan is leaving the market for 2027.

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Key takeaways

  • Medicare.gov's Medigap policy search for ZIP code 70112 lists 23 insurers selling plans in Louisiana, across letters A, B, C, D, F, F-HD, G, G-HD, K, L, M and N.
  • The strongest window to buy any Medigap plan sold in the state, with no medical underwriting, is the six-month Medigap Open Enrollment Period that starts when a person is 65 or older and enrolled in Part B.
  • CMS Landscape files show 20 Medicare Advantage plans offered somewhere in Louisiana in 2026 that will not be offered anywhere in the state in 2027; members of a non-returning plan get a federal guaranteed-issue right to buy certain Medigap plans.
  • Medigap does not cover prescriptions, so a stand-alone Part D plan is chosen separately during Annual Enrollment 2027, October 15 – December 7, 2026.
Happy senior couple at home — illustrating this Medicare guideMedicare SupplementLouisiana
Photo: geralt Image by geralt on Pixabay
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By MyMedicarePlans Editorial Desk · Medicare Education✓ Verified Team
Published ·9 min read·✓ Reviewed
Key facts: Medicare in Louisiana
FactFigureSource
Part B standard monthly premium (2026)$202.90Medicare.gov
Part D out-of-pocket cap (2026)$2,100CMS
Part D out-of-pocket cap (2027)$2,400CMS
Annual Enrollment Period (for 2027 coverage)October 15 – December 7, 2026Medicare.gov

Area counts are for the county as a whole and are not a recommendation of any plan. Program figures are set nationally.

What is Medigap, and how is it different from Medicare Advantage in Louisiana?

Medigap is a private insurance policy that works alongside Original Medicare (Parts A and B) to pay some of the deductibles, coinsurance and copayments Medicare does not. It is not Medicare Advantage. With Original Medicare plus a Medigap plan, a person uses their red, white and blue Medicare card at any provider nationwide that accepts Medicare, and the Medigap policy pays its share of the Medicare-approved charges. Medicare Advantage (Part C), by contrast, replaces Original Medicare with a private plan that typically has its own network and its own rules; a person cannot use both a Medigap and a Medicare Advantage plan at the same time.

Medigap plans are standardized by federal letter, so Plan G from one company covers the same Medicare cost-sharing items as Plan G from another. Premiums, customer service and underwriting rules can differ.

Which insurers sell Medigap in Louisiana, and which plan letters do they offer?

Medicare.gov's Medigap policy search for ZIP code 70112 lists 23 insurers. What is sold can vary by ZIP code within the state and by age, sex and tobacco use. The insurers and the standardized letters shown for each are:

Note that Plans C and F are closed to people newly eligible for Medicare on or after January 1, 2020. People already eligible before that date may still buy them if an insurer sells them.

When is the Medigap Open Enrollment Period in Louisiana, and why does it matter?

A person's one-time, federally protected Medigap Open Enrollment Period is six months long and starts the first month they are both age 65 or older and enrolled in Medicare Part B. During that window, any Medigap policy an insurer sells in Louisiana must be issued at the same price offered to healthy applicants of the same age, regardless of health history. Outside that window, insurers in most situations may use medical underwriting, which can mean higher premiums or a denial. The six-month clock does not reset, so marking the start date matters.

What happens in Louisiana if my Medicare Advantage plan is not returning for 2027?

According to CMS Landscape files, 20 Medicare Advantage plans offered somewhere in Louisiana in 2026 will not be offered anywhere in the state in 2027. Members of a non-returning plan have a federal guaranteed-issue right to buy certain Medigap plans without medical underwriting, within set time limits around the plan's end date. The non-renewal notice from the plan explains the dates. People in this situation can call 1-800-MEDICARE or use Medicare.gov to confirm which Medigap letters qualify under guaranteed issue and the deadline that applies.

Does Medigap in Louisiana cover prescription drugs?

No. Medigap plans sold today do not include prescription drug coverage, so a Louisianan with Original Medicare and a Medigap plan who wants drug coverage picks a stand-alone Medicare Part D plan separately. For 2027, Medicare's out-of-pocket cap on covered Part D drugs is $2,400 (up from $2,100 in 2026), the most any Part D plan may charge as a deductible is $700, and the Part D base beneficiary premium used in the late-enrollment penalty calculation is $41.33. Actual plan premiums are set plan by plan. Annual Enrollment 2027 runs October 15 – December 7, 2026, with choices taking effect January 1, 2027.

How should I compare Medigap policies in Louisiana?

Start with the plan letter, because benefits are standardized within a letter, then compare premiums and the insurer's track record. The Medigap policy search on Medicare.gov lists the insurers available for a specific ZIP code and the letters each sells; price quotes come from the insurer or a licensed agent. Ask how the insurer prices the plan (for example, by age at issue versus attained age), how often rates have changed, and whether a household or similar discount applies. Plan details come from the Medicare Plan Finder at medicare.gov, 1-800-MEDICARE, or the plan's or insurer's own documents.

Where can Louisianans get free help with Medicare questions?

Medicare.gov and 1-800-MEDICARE (available 24 hours a day, 7 days a week) are the two free, official sources. Medicare.gov's Plan Finder compares Part D and Medicare Advantage plans; the Medigap policy search lists supplement insurers by ZIP code. For questions on enrollment periods, late-enrollment penalties, or guaranteed-issue rights after a plan non-renewal, 1-800-MEDICARE can confirm what applies to a specific situation.

By the numbers

Medicare Part B premium, 2006–2026

The standard monthly Part B premium has climbed from $88.50 in 2006 to $202.90 in 2026. Hover any point for that year’s premium.

$0$50$100$150$200200820122016202020242026

Source: CMS. Standard premium shown; in some hold-harmless years many existing enrollees paid less. Confirm at Medicare.gov.

Key dates

Medicare enrollment periods at a glance

  • Around your 65thInitial Enrollment PeriodA 7-month window around the month you turn 65 — your first chance to sign up.
  • October 15 – December 7Annual Enrollment Period (Open Enrollment)Anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan.
  • January 1 – March 31Medicare Advantage Open EnrollmentIf you're already in a Medicare Advantage plan, you can make one change.
  • January 1 – March 31General Enrollment PeriodFor people who missed their first chance to sign up for Part B.
  • VariesSpecial Enrollment PeriodTriggered by life events like moving or losing other coverage.

Dates are set by Medicare and apply nationwide. Confirm your personal windows at Medicare.gov or 1-800-MEDICARE.

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The parts of Medicare

Part A covers inpatient hospital stays, skilled nursing facility care, hospice, and some home health care. Most people pay no premium for Part A.

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When can you enroll? An interactive year

JFMAMJJASOND
October 15 – December 7 — anyone with Medicare can join, switch, or drop a Medicare Advantage or Part D plan. Changes take effect January 1.

Enrollment windows are federal and the same nationwide. Confirm your personal dates at Medicare.gov or 1-800-MEDICARE.

Good to know

Frequently asked questions

How many insurers sell Medigap in Louisiana for 2027?
Medicare.gov's Medigap policy search for ZIP code 70112 lists 23 insurers selling standardized Medigap plans in the state. What is available in a specific ZIP code can differ and may vary by age, sex and tobacco use.
Which Medigap plan letters are available in Louisiana?
Across the insurers listed for ZIP code 70112, the letters sold by at least one insurer are A, B, C, D, F, F-HD, G, G-HD, K, L, M and N. Plans C and F are closed to people who became eligible for Medicare on or after January 1, 2020.
What if my Medicare Advantage plan in Louisiana is not offered in 2027?
CMS Landscape files show 20 Medicare Advantage plans offered somewhere in Louisiana in 2026 that will not be offered anywhere in the state in 2027. Members of a non-returning plan get a federal guaranteed-issue right to buy certain Medigap plans without medical underwriting, within set time limits.
Do I need a separate Part D plan if I have Medigap?
Yes. Medigap plans sold today do not include prescription drug coverage, so people with Original Medicare and a Medigap plan who want drug coverage enroll in a stand-alone Part D plan. Annual Enrollment 2027 runs October 15 – December 7, 2026, with coverage effective January 1, 2027.
Sources & further reading
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov)
  • CMS — Medicare enrollment periods (medicare.gov)

For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

Sources and methodology

Figures cited in this article

  • Medicare.gov — Medigap policy search for ZIP code 70112: the list of 23 insurers and the standardized plan letters each sells.
  • CMS Landscape Source File: the count of 20 Medicare Advantage plans offered in Louisiana in 2026 that will not be offered anywhere in the state in 2027.
  • CMS — Medicare Supplement Insurance (Medigap) rules (medicare.gov): the six-month Medigap Open Enrollment Period, guaranteed-issue rights, and the status of Plans C and F for people newly eligible on or after January 1, 2020.
  • Medicare.gov — Medicare enrollment periods: Annual Enrollment 2027 dates (October 15 – December 7, 2026) and January 1, 2027 effective date.
  • CMS — 2027 Part D parameters: the $2,400 out-of-pocket cap, the $700 maximum deductible, and the $41.33 base beneficiary premium.
  • Social Security Administration: the October 14, 2026 announcement of a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027.

How we put this together: area counts come from the CMS files listed above for the county that contains this city, program figures come from CMS, Medicare.gov and the Social Security Administration, and no plan is ranked or recommended.

By The Medicare Desk · Published . For personalized answers, contact Medicare.gov or 1-800-MEDICARE.

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This page was last updated: October 2026.

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