Medicare in Houma: What Local Residents Should Know Before Enrolling

If you're turning 65 or helping a loved one understand their Medicare options in Houma, Louisiana, you're in the right place. Medicare can be confusing, but don't worry — you're not alone. We help folks across Terrebonne Parish every day find the right Medicare plan in Houma that fits their budget, health needs, and lifestyle.

We’re Bourgeois Insurance Agency, LLC, your local Medicare insurance experts right here in Thibodaux. Our neighbors trust us because we listen, explain everything in plain English, and treat every person like family. Whether you're new to Medicare or reviewing your current plan in 2025, this guide is here to help you sort through your Medicare options and make smart decisions.

Understanding Medicare in Houma: The Basics

Medicare is a federally funded health insurance program for people 65 and older, and for certain individuals with disabilities or end-stage renal disease. If you're new to Medicare or just want to brush up on the details, let’s break it down.

There are four parts of Medicare:

• Part A (Hospital Insurance): Helps cover inpatient hospital stays, nursing care, and some home health services.

• Part B (Medical Insurance): Covers doctor visits, outpatient care, and preventive services.

• Part C (Medicare Advantage): An alternative to Original Medicare, offered by private insurance companies approved by Medicare.

• Part D (Prescription Drug Coverage): Helps cover the cost of medications.

When people talk about "Original Medicare," they mean Parts A and B. But that only covers about 80% of your healthcare costs. That’s where other options like Medicare Advantage plans and Medicare Supplement insurance come in.

Medicare Advantage Plans in Houma: What You Need to Know

Did you know that more than half of Medicare beneficiaries in Houma now choose a Medicare Advantage plan? These plans in Houma, also called Part C, combine Parts A and B and often include Part D prescription drug coverage, too.

Why do folks like these plans?

• Many have $0 monthly premiums

• Most include extra benefits like dental, vision, and hearing

• Plans set a yearly out-of-pocket maximum, which Original Medicare doesn’t do

In 2025, there are 23 Medicare Advantage plans available in your area. With so many plans in Louisiana, picking the right Medicare plan in Houma can feel overwhelming. That’s where we come in. We’ll compare plans side-by-side and explain which coverage options make the most sense for you.

Need help now? Call Bourgeois Insurance Agency, LLC at (985) 803-8999 and let’s talk about what you need.

Choosing the Right Medicare Supplement Insurance Plan in Houma

Some folks stick with Original Medicare and add a Medicare Supplement plan (also called Medigap). These plans help pay the out-of-pocket costs of Original Medicare, like deductibles, copays, and coinsurance.

Here’s how Medicare Supplement insurance works:

• You keep Original Medicare (Parts A and B)

• You add a separate Medicare Supplement plan to help fill in the gaps

• You may also need a Part D plan to cover prescriptions

These plans are especially popular for people who travel often or need flexibility to see any doctor who accepts Medicare. Want to know if this is the best Medicare plan for you? We can help you weigh the pros and cons.

How to Enroll in a Medicare Advantage Plan in Houma

When can you enroll in a Medicare Advantage plan or switch your current coverage?

There are a few key times:

• Initial Enrollment Period (IEP): Starts 3 months before you turn 65 and ends 3 months after.

• Annual Enrollment Period (AEP): From October 15 to December 7 each year. This is the main time to sign up for Medicare, switch plans, or add prescription drug coverage.

• Open Enrollment Period (OEP): From January 1 to March 31, for those already enrolled in a Medicare Advantage plan.

2025 Medicare Options in Houma: What’s New and What Matters Most

Looking ahead to 2025 Medicare in Louisiana, here are a few things to keep in mind:

• Average monthly premiums for Medicare Advantage Plans have increased since last year.

• Most plans include built-in prescription drug coverage

• Average out-of-pocket maximums are higher in 2025 than they were in 2024 for most plans.

• Prescription drug deductibles vary among plans.

Biggest tip? Don’t just look at the cost. Look at the whole insurance plan — what it covers, which doctors you can see, and what happens if you get sick.

And don’t worry. We’ve done the homework for you. At Bourgeois Insurance Agency, we work with all the top insurance companies offering plans available in your zip code — like Aetna, Humana, Blue Cross Blue Shield, Peoples Health, and Wellcare.

Common Medicare Questions We Hear in Houma

We hear these almost every day:

"How do I know if I’m eligible for Medicare?" If you’re turning 65 or have a qualifying disability, you're likely eligible. You can check with Social Security to confirm.

"What’s the difference between Medicare Advantage and a Supplement Plan?" Advantage plans bundle your coverage and often include extras. Supplement plans fill in the gaps of Original Medicare but usually cost more up front.

"What happens if I miss my enrollment window?" You might face late penalties or have to wait until the next enrollment period. That’s why it’s important to plan ahead.

"Can I change my plan if I don’t like it?" Yes — but only during certain times. We’ll walk you through it.

How Bourgeois Insurance Agency Helps Houma Seniors With Medicare

We’re not a big national call center. We’re your neighbors. We live and work right here in south Louisiana, and we take pride in helping local seniors find the best Medicare Advantage plan or Medicare supplement plan for their needs.

When you call Bourgeois Insurance Agency, here’s what happens:

• We listen first

• We explain all your Medicare options without pressure

• We match you with a plan available in your area that fits your health and budget

• We stay in touch year after year

We know Medicare in Houma isn’t one-size-fits-all. Every person’s situation is different. That’s why we treat you like family and work hard to make sure your health insurance keeps up with your life.

Your Medicare Choices Matter

Medicare is a big decision. The good news? You don’t have to figure it all out alone.

Whether you’re new to Medicare, helping your parents, or reviewing your current plan in 2025 — Bourgeois Insurance Agency is here for you. We serve all of Terrebonne County, Thibodaux, and surrounding communities. We know the Louisiana Medicare plans and the insurance companies that locals trust.

So don’t wait until deadlines sneak up. Give us a ring today at (985) 803-8999 or stop by and say hello. Let’s make sure you have the right Medicare coverage and peace of mind.

We’re here to help. That’s what neighbors do.