$0 Premium Medicare Advantage Plans in Louisiana
Every general-audience Medicare Advantage plan with drug coverage and a $0 monthly premium in Louisiana for 2027, ranked by what it could cost you in a bad year: the in-network out-of-pocket maximum, less any Part B giveback. Pick your county to see the plans sold there.
Showing all 47 plans.
| # | Plan | Premium / month | In-network max out-of-pocket | Worst-case year | Stars |
|---|---|---|---|---|---|
| 1 | Humana LCMC Advantage H1951-051 (HMO)Humana · HMO3 of 64 counties · drug deductible $275Part B giveback $51/mo · Dental up to $6,000/yr · eyewear $250/yr | $0−$51 Part B giveback | $2,875 | $2,263 | 4.5★ |
| 2 | Humana Select Partner Plan (HMO)Humana · HMO3 of 64 counties · drug deductible $275Part B giveback $39/mo · Dental up to $6,000/yr · eyewear $300/yr · hearing aids $1,000/yr per ear | $0−$39 Part B giveback | $2,900 | $2,432 | 4.5★ |
| 3 | Humana FMOL Baton Rouge H1951-053 (HMO)Humana · HMO4 of 64 counties · drug deductible $700Part B giveback $39/mo · Dental up to $2,000/yr · eyewear $300/yr | $0−$39 Part B giveback | $3,000 | $2,532 | 4.5★ |
| 4 | Humana Select Partner Plan (HMO)Humana · HMO6 of 64 counties · drug deductible $700Part B giveback $38/mo · Dental up to $5,000/yr · eyewear $200/yr · hearing aids $1,000/yr per ear | $0−$38 Part B giveback | $3,100 | $2,644 | 4.5★ |
| 5 | Peoples Health Choices 65 (HMO-POS)Peoples Health · HMO-POS10 of 64 counties · drug deductible $595Part B giveback $25/mo · Dental up to $4,000/yr · eyewear $100/yr · hearing aids $700/yr | $0−$25 Part B giveback | $3,900 | $3,600 | 3.5★ |
| 6 | DEVOTED CHOICE 005 LA (PPO)Devoted Health · PPO4 of 64 counties · drug deductible $650Dental up to $4,000/yr · eyewear $350/yr · OTC items $248/yr | $0 | $3,900 | $3,900 | Too new to rate |
| 7 | Humana Gold Plus H1951-047 (HMO)Humana · HMO3 of 64 counties · drug deductible $700Dental up to $6,000/yr · eyewear $300/yr | $0 | $4,200 | $4,200 | 4.5★ |
| 8 | Humana Gold Plus H1951-048 (HMO)Humana · HMO4 of 64 counties · drug deductible $700Dental up to $6,000/yr · eyewear $300/yr | $0 | $4,250 | $4,250 | 4.5★ |
| 9 | Blue adVantage Classic (HMO-POS)Blue Cross and Blue Shield of Louisiana · HMO-POS15 of 64 counties · drug deductible $700Dental up to $2,200/yr · eyewear $100/yr · hearing aids $267/yr | $0 | $4,500 | $4,500 | 3.5★ |
| 10 | Blue adVantage Classic (HMO-POS)Blue Cross and Blue Shield of Louisiana · HMO-POS16 of 64 counties · drug deductible $700Dental up to $2,200/yr · eyewear $100/yr · hearing aids $267/yr | $0 | $4,500 | $4,500 | 3.5★ |
| 11 | Humana Gold Plus H1951-049 (HMO)Humana · HMO9 of 64 counties · drug deductible $300Dental up to $3,000/yr · eyewear $350/yr | $0 | $4,500 | $4,500 | 4.5★ |
| 12 | Humana Gold Plus H1951-049 (HMO)Humana · HMO13 of 64 counties · drug deductible $300Dental up to $2,500/yr · eyewear $400/yr | $0 | $4,500 | $4,500 | 4.5★ |
| 13 | DEVOTED CHOICE 001 LA (PPO)Devoted Health · PPO13 of 64 counties · drug deductible $650Dental up to $3,750/yr · eyewear $350/yr · OTC items $248/yr | $0 | $4,650 | $4,650 | Too new to rate |
| 14 | Humana Gold Plus H1951-052 (HMO)Humana · HMO15 of 64 counties · drug deductible $700Dental up to $2,500/yr · eyewear $325/yr | $0 | $4,800 | $4,800 | 4.5★ |
| 15 | Blue adVantage Giveback (HMO-POS)Blue Cross and Blue Shield of Louisiana · HMO-POS31 of 64 counties · drug deductible $700Part B giveback $57/mo · Dental up to $1,500/yr · eyewear $100/yr · hearing aids $267/yr | $0−$57 Part B giveback | $5,500 | $4,816 | 3.5★ |
| 16 | Blue adVantage Thrive (PPO)Blue Cross and Blue Shield of Louisiana · PPO31 of 64 counties · drug deductible $700Dental up to $2,200/yr · eyewear $100/yr · hearing aids $267/yr | $0 | $4,900 | $4,900 | 4.5★ |
| 17 | Wellcare Assist (HMO-POS)Wellcare · HMO-POS48 of 64 counties · drug deductible $700Dental up to $2,000/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $5,400 | $5,400 | 3.5★ |
| 18 | DEVOTED CHOICE GIVEBACK EXTRAS 028 LA (PPO)Devoted Health · PPO4 of 64 counties · drug deductible $700Part B giveback $70/mo · Dental up to $3,000/yr · eyewear $400/yr · OTC items $764/yr | $0−$70 Part B giveback | $6,600 | $5,760 | Too new to rate |
| 19 | Peoples Health Medicare Advantage Giveback LA-4 (HMO-POS)Peoples Health · HMO-POS10 of 64 counties · drug deductible $685Part B giveback $105/mo · Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0−$105 Part B giveback | $7,150 | $5,890 | 3.5★ |
| 20 | Blue adVantage Classic (HMO-POS)Blue Cross and Blue Shield of Louisiana · HMO-POS21 of 64 counties · drug deductible $700Dental up to $2,200/yr · hearing aids $267/yr | $0 | $5,900 | $5,900 | 3.5★ |
| 21 | Peoples Health Choices 65 (HMO-POS)Peoples Health · HMO-POS4 of 64 counties · drug deductible $595Dental up to $3,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $5,900 | $5,900 | 3.5★ |
| 22 | Peoples Health Choices 65 (HMO-POS)Peoples Health · HMO-POS9 of 64 counties · drug deductible $595Preventive dental · eyewear $100/yr · hearing aids $700/yr | $0 | $5,900 | $5,900 | 3.5★ |
| 23 | DEVOTED CHOICE 016 LA (PPO)Devoted Health · PPO14 of 64 counties · drug deductible $650Dental up to $2,250/yr · eyewear $175/yr | $0 | $6,050 | $6,050 | Too new to rate |
| 24 | DEVOTED CHOICE GIVEBACK EXTRAS 027 LA (PPO)Devoted Health · PPO13 of 64 counties · drug deductible $700Part B giveback $70/mo · Dental up to $4,000/yr · eyewear $400/yr · OTC items $668/yr | $0−$70 Part B giveback | $7,000 | $6,160 | Too new to rate |
| 25 | DEVOTED CHOICE GIVEBACK EXTRAS 029 LA (PPO)Devoted Health · PPO14 of 64 counties · drug deductible $700Part B giveback $70/mo · Dental up to $2,200/yr · eyewear $225/yr · OTC items $436/yr | $0−$70 Part B giveback | $7,050 | $6,210 | Too new to rate |
| 26 | Aetna Medicare Signature Giveback (PPO)Aetna Medicare · PPO11 of 64 counties · drug deductible $600Part B giveback $73/mo · Dental up to $1,500/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0−$73 Part B giveback | $7,150 | $6,274 | 4★ |
| 27 | HumanaChoice H5216-417 (PPO)Humana · PPO2 of 64 counties · drug deductible $700Dental up to $3,000/yr · eyewear $250/yr | $0 | $6,350 | $6,350 | 4★ |
| 28 | Humana Gold Plus H1951-049 (HMO)Humana · HMO2 of 64 counties · drug deductible $300Dental up to $3,000/yr · eyewear $250/yr | $0 | $6,650 | $6,650 | 4.5★ |
| 29 | Peoples Health Essentials (HMO-POS)Peoples Health · HMO-POS13 of 64 counties · drug deductible $685Dental up to $1,250/yr · eyewear $125/yr · hearing aids $1,000/yr | $0 | $6,700 | $6,700 | 3.5★ |
| 30 | DEVOTED CHOICE GIVEBACK 017 LA (PPO)Devoted Health · PPO14 of 64 counties · drug deductible $650Part B giveback $118/mo · Dental up to $250/yr · eyewear $200/yr | $0−$118 Part B giveback | $8,150 | $6,734 | Too new to rate |
| 31 | Aetna Medicare Signature Care (HMO)Aetna Medicare · HMO55 of 64 counties · drug deductible $400Dental up to $2,500/yr · eyewear $175/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 32 | Aetna Medicare Signature Extra Care (HMO)Aetna Medicare · HMO6 of 64 counties · drug deductible $400Dental up to $3,000/yr · eyewear $250/yr · hearing aids $500/yr per ear · OTC items $120/yr | $0 | $6,750 | $6,750 | 3.5★ |
| 33 | HumanaChoice H5216-326 (PPO)Humana · PPO45 of 64 counties · drug deductible $700Dental up to $1,250/yr · eyewear $150/yr | $0 | $6,900 | $6,900 | 4★ |
| 34 | HumanaChoice H7617-080 (PPO)Humana · PPO45 of 64 counties · drug deductible $700Dental up to $1,250/yr · eyewear $150/yr | $0 | $6,900 | $6,900 | 4.5★ |
| 35 | Aetna Medicare Signature Care (PPO)Aetna Medicare · PPO5 of 64 counties · drug deductible $600Dental up to $2,000/yr · eyewear $175/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $7,150 | $7,150 | 4★ |
| 36 | Aetna Medicare Signature Extra Plus (PPO)Aetna Medicare · PPO11 of 64 counties · drug deductible $600Dental up to $2,000/yr · eyewear $250/yr · hearing aids $500/yr per ear · OTC items $120/yr | $0 | $7,150 | $7,150 | 4★ |
| 37 | Aetna Medicare Signature Plus (PPO)Aetna Medicare · PPO10 of 64 counties · drug deductible $600Dental up to $1,500/yr · eyewear $175/yr · hearing aids $500/yr per ear · OTC items $60/yr | $0 | $7,150 | $7,150 | 4★ |
| 38 | Peoples Health Extras (HMO-POS)Peoples Health · HMO-POS13 of 64 counties · drug deductible $685Dental up to $4,000/yr · eyewear $100/yr · hearing aids $1,000/yr | $0 | $7,150 | $7,150 | 3.5★ |
| 39 | Blue adVantage Liberty (PPO)Blue Cross and Blue Shield of Louisiana · PPO63 of 64 counties · drug deductible $700Dental up to $1,500/yr · eyewear $100/yr · hearing aids $267/yr | $0 | $7,151 | $7,151 | 4.5★ |
| 40 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS15 of 64 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,200 | $7,200 | 3.5★ |
| 41 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS26 of 64 counties · drug deductible $700Dental up to $3,000/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,500 | $7,500 | 3.5★ |
| 42 | Wellcare Simple (HMO-POS)Wellcare · HMO-POS7 of 64 counties · drug deductible $700Dental up to $5,000/yr · eyewear $100/yr · hearing aids $500/yr per ear | $0 | $7,500 | $7,500 | 3.5★ |
| 43 | DEVOTED CHOICE GIVEBACK 002 LA (PPO)Devoted Health · PPO13 of 64 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $368/yr | $0−$184.70 Part B giveback | $9,850 | $7,634 | Too new to rate |
| 44 | DEVOTED CHOICE GIVEBACK 006 LA (PPO)Devoted Health · PPO4 of 64 counties · drug deductible $461Part B giveback $184.70/mo · Dental up to $250/yr · eyewear $200/yr · OTC items $368/yr | $0−$184.70 Part B giveback | $9,850 | $7,634 | Too new to rate |
| 45 | Wellcare Giveback (HMO-POS)Wellcare · HMO-POS36 of 64 counties · drug deductible $700Part B giveback $63/mo · Dental · eyewear $100/yr · hearing aids $350/yr per ear · OTC items $180/yr | $0−$63 Part B giveback | $9,250 | $8,494 | 3.5★ |
| 46 | HumanaChoice H7617-079 (PPO)Humana · PPO8 of 64 counties · drug deductible $700Dental up to $2,000/yr · eyewear $200/yr | $0 | $8,750 | $8,750 | 4.5★ |
| 47 | HumanaChoice H5216-325 (PPO)Humana · PPO8 of 64 counties · drug deductible $700Dental up to $2,000/yr · eyewear $200/yr | $0 | $9,150 | $9,150 | 4★ |
Worst-case year = 12 × (monthly plan premium − any Part B giveback) + in-network maximum out-of-pocket, for covered Part A and B services. All plans here have a $0 premium, so the order comes down to the out-of-pocket maximum and the giveback. You still pay the Part B premium ($202.90 a month in 2026), and drug costs are capped separately at $2,400 for 2027. Special Needs Plans, Cost plans, employer plans and plans under CMS sanction aren’t listed. Methodology
Before you enroll: check that your doctors are in the plan’s network and how it covers your drugs, in the official Medicare Plan Finder. A plan with a premium can still cost less in a bad year; see every plan in our Louisiana Medicare Advantage ranking.
Questions
How many $0 premium Medicare Advantage plans are in Louisiana for 2027?
47 of the 64 general-audience Medicare Advantage plans with drug coverage in Louisiana have a $0 monthly plan premium for 2027.
Is a $0 premium Medicare Advantage plan free?
No. You still pay the Part B premium ($202.90 a month in 2026 for most people), plus copays and coinsurance when you use care, up to the plan's out-of-pocket maximum. Among Louisiana's $0 plans, the lowest in-network maximum is $2,875 and the median is $6,650.
Which $0 premium plan in Louisiana has the lowest worst-case cost?
Humana LCMC Advantage H1951-051 (HMO) from Humana, with an in-network out-of-pocket maximum of $2,875 and a Part B giveback of $51 a month. It is sold in 3 of 64 counties.
Do any $0 premium plans in Louisiana also have a Part B giveback?
Yes, 15 of them. See the Louisiana Part B giveback plans.
Sources
- CMS, CY 2027 Medicare Advantage and Prescription Drug Plan Landscape (CY2027_Landscape_202609.csv), from cms.gov; extra benefits (Part B giveback, dental, eyewear, hearing aids, over-the-counter allowance) from the CMS CY 2027 Plan Benefit Package files, cms.gov, yearly amounts as each plan filed them; star ratings from the CMS 2027 Star Ratings Data Tables (October 8, 2026), cms.gov. Ratings are per contract, so plans under the same contract share one rating. General-audience plans only: Special Needs Plans, Cost plans and employer group plans are not ranked.
- CMS, 2026 Part B premium — cms.gov.
Educational information, not a recommendation to join any plan. We are not an insurance agent or broker, and we are not connected with or endorsed by the U.S. government or the federal Medicare program. Plan details can change; confirm with the plan or Medicare.gov. · Advertiser disclosure
Keep going
- All Louisiana Medicare Advantage plans, ranked →
- Part B giveback plans in Louisiana →
- Where $0 plans are disappearing in 2027 →
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