Welcome, on this website you can learn about Louisiana Medicare and Louisiana Medicare supplemental insurance. The goal here is to supply you with the information to purchase a Medicare supplement plan that best fulfills your needs at the lowest price available.
|Is Medicare supplement Plan F right for you?
So what is Louisiana Medicare?
Louisiana Medicare is simply Medicare run inside the state of Louisiana. Medicare is the country’s health insurance program for those age 65 or older. Some people younger than age 65 can get Medicare if they have certain disabilities. The program helps pay for the cost of healthcare, but it will not cover all medical expenses or the cost of most long-term care.
When do I need to apply for Louisiana Medicare?
If you are not currently getting retirement benefits it is advisable to contact Social Security around three months prior to your 65th birthday to enroll in Medicare. You can sign up for Medicare even if you do not intend to retire at age 65. Click here to visit the Social Security online Retirement/Medicare application.
Medicare Part A (Hospital Insurance)
Medicare Part A covers a portion of your medical bills when you have been admitted into a hospital, skilled nursing facility, hospice, plus some home health care.
You pay (2012): The per incident period (not per year) deductible for Medicare Part A of $1156, $289 daily for days 61-90 hospital room and board, $578 each day after 90 days (up to a maximum of 60 days over your lifetime and total costs thereafter), $144.50 each day for skilled nursing facility for days 21-100 and all of costs thereafter.
Medicare Part B (Doctor Insurance)
Medicare Part B covers a portion of your medical expenses for doctor services, some preventive services as well as other medical services and supplies which are not covered by Medicare Part A. If you have Medicare Part B you will pay a premium each month out of your Social security benefits.
You pay (2012): The yearly deductible of $140, the costs for the first 3 units of blood, 20% for durable medical equipment, 20% for doctor services including doctor service while as a hospital patient, 40% outpatient mental healthcare, any excess charges (some doctors charge up to 15% above what Medicare authorizes)
Although Medicare covers a large percentage of your Medical expenses there are plenty of gaps left where you will pay. These gaps can easily deplete a person’s financial resources when they are on a set budget. A Louisiana Medicare supplemental insurance policy can fill in most or all the gaps in Medicare and they are very affordable for most people.
Louisiana Medicare supplement insurance plans are offered by private insurance companies. The federal government has standardized these plans. Which means all plans labelled by the same letter provide the exact same coverage regardless if you obtain your insurance from Family Life, Mutual of Omaha, AARP, Blue Cross or some other insurance company. Nationwide three of the most popular plans are F, G, and N.
Louisiana Medicare supplement plan F: This is the most common and comprehensive plan. It covers all of the gaps left in both Medicare Part A and Part B.
Louisiana Medicare supplement plan G: This plan is just like Medicare supplement plan F except for not paying the yearly Medicare Part B deductible. For many this plan is the best choice if you don’t mind paying the yearly deductible instead of the often more expensive monthly premiums for Medicare supplement plan F.
Louisiana Medicare supplement plan N: Unlike Medicare supplement plan F this plan has some cost-sharing ($20 doctor’s office co-pay and $50 emergency room co-pay in 2011) in return for reduced monthly premiums. It is designed as an alternative to Medicare Advantage plans, while still giving you the flexibility and security of a Medicare supplement plan. This plan also does not cover excess charges.
There are numerous insurance companies providing Louisiana Medicare supplement plans and the rates can vary greatly from company to company. Many people who do not utilize the services of an independent agent wind up paying over 40-50% extra a month for insurance! It is a shame especially when getting your Medicare supplement insurance through us cost you absolutely nothing.
Click here to see the Medicare supplement plans chart
You can request Medicare supplement quotes now by clicking here and filling out a simple form. An agent will look up the rates based off of the information you provide and send the quotes to you by email.
Hello! My name is Sergeant First Class (retired) Joel Moyer, an owner and independent agent for Centaur Medicare Solutions LLC. I served our country in the US Army for over twenty years, and I look forward to serving you.
Centaur Medicare Solutions is a Limited Liability Company specializing in Medicare Supplement Insurance and Term Life Insurance. We provide our customers with an independent agent dedicated to finding the best services for that customer.
Centaur Medicare Solutions prides itself on being an ethical agency obligated to recommend products that best meet your needs, goals and financial resources. Our desire is to act as an adviser, letting you take your time to make decisions about purchases and answer any questions that you may have. Selling the right product, to the right person, at the right time is our priority. Thank you for visiting our website.