Best Medicare Supplement Plans in Louisiana 2026
Louisiana has over 153,000+ Medigap enrollees - Plan G starts at just $111/mo in New Orleans. Louisiana has a birthday rule that gives enrollees an annual window to switch carriers without medical underwriting. We compared 23+ carriers to find the best coverage in the Pelican State.
Louisiana Birthday Rule: Switch Medigap Carriers Every Year Without Underwriting
Louisiana has a Medigap birthday rule that gives policyholders an annual window around their birthday to switch to an equal or lesser Medigap plan from any carrier - without answering health questions. This means you can shop for a lower premium once a year without medical underwriting. The birthday rule applies to existing Medigap policyholders and allows switching to the same plan level or lower (e.g., Plan G to Plan G, or Plan G to Plan N). Contact the Louisiana Department of Insurance for the exact window length and current rules.
More than 153,000 Louisianans have Medicare Supplement Insurance, or Medigap. Louisiana is home to a diverse Medicare population spanning New Orleans, Baton Rouge, Shreveport, and the rural parishes. With over 23 carriers licensed in the state and Plan G starting at just $111 per month in New Orleans, Louisiana offers competitive Medigap pricing with meaningful consumer protections.
Louisiana has a birthday rule that gives existing Medigap policyholders an annual window around their birthday to switch to an equal or lesser plan from any carrier without medical underwriting. This is a significant consumer protection that makes it easier to shop for better rates annually. Plan G is the most popular Medigap plan for new enrollees in Louisiana, covering nearly all Medicare out-of-pocket costs except the annual Part B deductible ($283 in 2026). State Farm stands out in Louisiana with the highest possible AM Best rating (A++) and an extensive local agent network, while Louisiana Health Service offers the lowest Plan G premium in the New Orleans market at $111/mo. Louisiana also requires carriers to make all Medigap plans available to Medicare beneficiaries under age 65, including those with disabilities.
Compare the Best Medicare Supplement Plans in Louisiana
Our top-rated Medigap carriers in Louisiana, ranked by the MedicareFAQ Score. Premiums shown are for a 65-year-old female nonsmoker in New Orleans. Rates in Baton Rouge, Shreveport, and rural Louisiana may vary.
Mutual of Omaha
Plan G
$142/mo
Plan N
$103/mo
AM Best
A+
Mutual of Omaha is the top-rated Medicare Supplement carrier in Louisiana, combining A+ financial strength with outstanding customer service. Their 7% household discount and stable rate history make them the most trusted choice for Louisiana retirees who want long-term reliability.
AARP / UnitedHealthcare
Plan G
$152/mo
Plan N
$110/mo
AM Best
A
AARP/UnitedHealthcare is one of the largest Medigap insurers in Louisiana. Their 24/7 nurse hotline, broad plan selection, and AARP member perks make them a strong choice for enrollees who value brand recognition and added benefits alongside solid coverage.
State Farm
Plan G
$126/mo
Plan N
$91/mo
AM Best
A++
State Farm holds the highest possible AM Best rating (A++) and has a strong local agent presence throughout Louisiana. For enrollees who prefer face-to-face service and want the security of the highest financial strength rating available, State Farm is an excellent choice.
Louisiana Health Service
Plan G
$111/mo
Plan N
$80/mo
AM Best
A-
Louisiana Health Service offers the lowest Plan G premium in the New Orleans market at $111/mo. As a Louisiana-based carrier, they have strong local market knowledge. Their complaint ratio runs higher than Mutual of Omaha or State Farm, so they are best for healthy enrollees focused on minimizing monthly costs.
Humana
Plan G
$136/mo
Plan N
$98/mo
AM Best
A-
Humana stands out in Louisiana for including the SilverSneakers fitness benefit, giving members free access to thousands of gyms and fitness centers statewide. For active retirees in New Orleans, Baton Rouge, or Shreveport, the fitness perk adds real value on top of competitive Medigap coverage.
Medicare Supplement Prices in Louisiana
Sample monthly premiums from top carriers in New Orleans. Rates shown are for a 65-year-old female nonsmoker and may include available household discounts. Louisiana uses attained-age rating - premiums will increase as you age. Use Louisiana's birthday rule each year to shop for a lower rate. Baton Rouge and Shreveport rates may differ slightly.
| Insurance Company | Plan G Monthly | Plan N Monthly | Plan F Monthly |
|---|---|---|---|
| Louisiana Health Service | $111 | $80 | $132 |
| State Farm | $126 | $91 | N/A |
| Humana | $136 | $98 | $161 |
| Mutual of Omaha | $142 | $103 | $167 |
| AARP / UnitedHealthcare | $152 | $110 | $176 |
| Cigna | $129 | $93 | $153 |
| Bankers Fidelity | $133 | $96 | $157 |
| Wellabe | $128 | $92 | N/A |
Lowest available in Louisiana (New Orleans): Plan G from $111/mo | Plan N from $80/mo | Source: Louisiana Department of Insurance, FairSquare Medicare, May 2026
Plan G vs. Plan N in Louisiana
Plan G and Plan N are the two most popular Medicare Supplement plans for new enrollees in Louisiana. Here is how they compare.
| Coverage Feature | Plan G | Plan N |
|---|---|---|
| Part A hospital coinsurance | Covered | Covered |
| Part B coinsurance (20%) | Covered | Covered* |
| Part A deductible ($1,736) | Covered | Covered |
| Part B deductible ($283) | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Skilled nursing coinsurance | Covered | Covered |
| Foreign travel emergency | Covered | Covered |
| Office visit copay | $0 | Up to $20 |
| ER copay (no admission) | $0 | Up to $50 |
| Avg. monthly premium (New Orleans) | $111-$152 | $80-$110 |
*Plan N covers Part B coinsurance but may charge up to $20 for some office visits and up to $50 for ER visits that do not result in inpatient admission.
Louisiana's birthday rule gives you an annual window to shop for better rates - use it every year. Set a reminder a month before your birthday so you have time to compare carriers before the window opens. Mutual of Omaha at $142/mo is the best long-term value in Louisiana - A+ rated, U.S.-based customer service, and a 7% household discount. State Farm at $126/mo is the best choice if you want the highest possible financial strength rating (A++) and prefer working with a local agent. Louisiana Health Service at $111/mo is the cheapest Plan G in New Orleans, but their complaint ratio runs higher than the top-tier carriers. For healthy enrollees focused on minimizing monthly costs who plan to use the birthday rule to shop again next year, Louisiana Health Service is a reasonable starting point. Also: if you or a spouse are both enrolling, always ask about the household discount - it can save 5% to 7% per month.
Louisiana Medigap Rules You Should Know
Louisiana Birthday Rule
Louisiana has a birthday rule that allows Medigap policyholders to switch plans annually around their birthday without medical underwriting. During the window around your birthday each year, you can switch to an equal or lesser Medigap plan without answering health questions. This gives Louisiana enrollees an annual opportunity to shop for lower premiums.
Under-65 Coverage Available
Louisiana insurance companies must make all Medigap plans available to Medicare beneficiaries under 65, including those with disabilities or end-stage renal disease. Carriers may charge higher premiums for under-65 enrollees, but they cannot deny coverage outright.
Attained-Age Rating Standard
Most Louisiana Medigap policies use attained-age rating, meaning premiums increase as you get older. Issue-age policies, where premiums are locked at your enrollment age, are available from select carriers and may save money long-term for enrollees who plan to keep the same carrier for many years.
Household Discount Available
Many Louisiana carriers offer a household discount of 5% to 7% when two people in the same household both enroll in a Medigap plan with the same carrier. Carriers offering this discount include Mutual of Omaha, Humana, Cigna, and Wellabe. Always ask about the household discount when getting quotes.
Free Counseling via Louisiana SHIP
Louisiana's State Health Insurance Assistance Program (SHIP) provides free, unbiased Medicare counseling. Call 1-800-259-5300 to speak with a trained counselor who can help you compare plans, understand your rights, and enroll. There is no cost and counselors do not sell insurance.
MedicareFAQ Scoring Methodology
The MedicareFAQ Score rates Medicare Supplement carriers on a scale of 1.0 to 5.0 based on five key factors. Our ratings are independent and not influenced by advertising relationships.
Financial Strength (AM Best)
Claims-paying ability and long-term stability
Customer Satisfaction
NAIC complaint ratios and member satisfaction surveys
Premium Competitiveness
Plan G and Plan N rates vs. Louisiana market average
Plan Availability
Number of plan types offered in Louisiana
Discounts and Value
Household discounts, EFT discounts, and added benefits
Last updated: May 2026 | Data sources: NAIC complaint ratios, AM Best ratings, CMS Medicare Plan Finder, Louisiana Department of Insurance, FairSquare Medicare
Frequently Asked Questions
Find the Best Medigap Rate in Your Louisiana ZIP Code
Louisiana's birthday rule means you can shop for a better rate every year. With Plan G starting at $111/mo in New Orleans and over 23 carriers licensed in the state, there is real competition to take advantage of. State Farm brings the highest financial strength rating in the market. Enter your ZIP code to compare rates from all available carriers in your area.