Updated July 2, 2026
The typical Plan G premium in Louisiana is around $133 per month. Age and insurer choice move that number, so what you are actually quoted may be higher or lower.
FAQs
How much does Medigap Plan G cost in Louisiana?
Plan G premiums in Louisiana run around $133 a month for most new enrollees, though your exact rate depends on your age, sex, tobacco use and the insurer you choose.
What happens if I apply for Medigap in Louisiana after my enrollment window closes?
Outside the 6 month Open Enrollment period, insurers in Louisiana can ask health questions and use medical underwriting, which can mean a higher premium or a denied application.
Plan G coverage in Louisiana
Louisiana follows standard federal Medigap rules. The benefit structure for each plan letter is set nationally, so Plan G from one carrier pays the same claims as Plan G from any other. What that means in practice: the insurer you pick does not change what gets covered: it only changes the monthly bill. The gaps Plan G fills include the Part A deductible, skilled nursing coinsurance, and Part B coinsurance, among others. The plan comparison page has the full list, and the Medigap cost calculator shows premium estimates by age so you have a number to shop against.
Things to Know Before You Enroll in Louisiana
Federal law sets one window where you have guaranteed access to any Medigap plan. It lasts 6 months and starts when your Part B coverage begins. During that stretch, Louisiana insurers cannot decline your application or charge you more because of a health condition. After the window closes, they can do both. Knowing your exact window is worth the minute it takes: the open enrollment calculator gives you the dates. If you are weighing Medigap against a Medicare Advantage plan, the Medigap vs Advantage calculator breaks down the expected annual costs for each approach.