Medicare Changes to Watch for in 2025: What Thibodaux Residents Need to Know

As your neighbors here in Thibodaux, Louisiana, we at Bourgeois Insurance Agency, LLC want to make sure you're never left guessing when it comes to something as important as Medicare. Whether you're already enrolled or just starting to explore your options, the system can feel like a tangled web. That's why we're breaking it all down for you — clearly, simply, and with local care in mind.

Let’s dive into the hospital general changes and what they mean for your health, budget, and peace of mind in 2025.

Understanding the 2025 Medicare Changes at a Glance

Did you know that the standard Medicare Part B premium is going up in 2025? That’s right. It’s set to rise to $185 per month, which is about $10 more than last year. Not only that, the Part B annual deductible is jumping to $257.

Why does this matter? Because most folks use Part B for outpatient services, like visits to your family physician, tests, and preventive care. These are the things that help keep you healthy — and we all want good outcomes, right?

And we’re not just talking numbers here. These changes reflect the rising cost of healthcare across the country. Our hospital systems and facilities are working hard to deliver top-notch service, but it’s costing more to do so.

Choosing Between Original Medicare and Medicare Advantage Plans

Here in Thibodaux, about 62% of Medicare patients choose a Medicare Advantage plan. Why? Because many of these plans offer extra benefits you won’t find in Original Medicare. Things like vision, dental, and even gym memberships or over-the-counter items.

There are 26 Medicare Advantage plans available in our area for 2025. That’s a lot, right? It can be confusing to decide which one to pick. Each plan has its own system of coverage, provider networks, and rules. Some might work with your preferred hospital or physician, and some might not.

Let’s say you love your local health center and want to keep seeing your current physician. You'll want to make sure your plan works with them. If not, you could be stuck paying more out of pocket or switching doctors.

What to Know About Medigap Plans in 2025

If you stick with Original Medicare, you may also want a Medicare Supplement plan, also known as Medigap. These plans help pay for costs that Original Medicare doesn’t fully cover — like coinsurance, copays, and deductibles.

Two of the most popular Medigap options are Plan G and Plan N. In 2025:

• Plan G still offers very full coverage, with a deductible of $257

• Plan N comes with lower monthly premiums, but it requires copays and doesn’t cover Part B excess charges

Here’s the catch — in Louisiana, those excess charges might pop up more often than you think. Some hospital general services or physicians may charge more than Medicare’s standard rate. That’s where Plan G may come in handy.

We always suggest sitting down to talk through what kind of inpatient or outpatient services you use most. Are you going to the hospital often? Do you see multiple specialists? Those are the kind of details that help us guide you to the right coverage.

When and How to Review Your Medicare Plan

Mark your calendar: October 15 through December 7 is Medicare Open Enrollment. This is your chance to review, switch, or update your coverage for the year ahead.

We always recommend using this time to learn about your options and ask questions. Has your health changed? Are you using more healthcare services now than you were a year ago? Did a hospital you use drop out of your current plan’s network?

This is the perfect time to improve your care process by getting a plan that better fits your situation. Maybe you want lower premiums, or maybe you’d rather pay a little more each month for fuller coverage and peace of mind.

Local Knowledge Means Better Medicare Support

Here in Thibodaux, we believe in personal service. You’re not just a number. You’re our neighbors, our friends, and the folks we see at the grocery store and church.

When you work with us, you're getting more than just Medicare help — you're getting real guidance from people who know the area, understand our local hospital general facilities, and care deeply about patient outcomes.

We take pride in knowing the ins and outs of the healthcare system, from compliance rules to quality measures that affect your care. We’ve walked families through claims, helped people get better coverage after a tough hospital stay, and stood by seniors dealing with confusing paperwork.

That’s why so many Thibodaux folks trust us with their Medicare decisions year after year.

Don’t Go It Alone — We’re Here for You

Medicare can feel like a maze. So many plans. So many rules. So many terms like “inpatient, deductible, or mortality rate” that leave folks scratching their heads.

But here’s the good news — you don’t have to figure it out alone. Bourgeois Insurance Agency, LLC is just a phone call away at (985) 803-8999. We take time to explain things in plain English. We’ll sit with you, review your current plan, ask about your needs, and help you make a smart, confident choice.

After all, your health matters. Your quality of life matters. And getting the right Medicare coverage is a big part of both.

2025 Medicare Doesn’t Have to Be a Mystery

Yes, 2025 brings some changes to Medicare. Premiums are rising. Deductibles are up. And plan options keep shifting. But with the right help, you can feel ready and confident.

At Bourgeois Insurance Agency, LLC, we’re proud to serve the Thibodaux community with kindness, professionalism, and a heart for helping. We know the local hospitals, we know the healthcare centers, and we know how to help you get the coverage that works best for you.

So give us a ring at(985) 803-8999or stop by. We’re happy to talk, explain, and help you through every step of the process.

Because here in Thibodaux, we take care of each other — and your Medicare needs are no different.

Let’s make 2025 a year of better care, smarter choices, and true peace of mind.