Company vs company · Rapides Parish, LA · 2027 plan year
Humana vs Peoples Health Medicare Advantage plans
Medicare.gov compares Medicare Advantage plans with each other. This page also shows Original Medicare, so you can see the full trade-off: premiums, copays, the yearly limit, extra benefits, and the rules about doctors and approvals.
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In most states, including Louisiana, you cannot count on getting Medigap later
You can buy any Medigap plan with no health questions in the 6 months that start when you are 65 or older and have Part B. After that, a Medigap company in Louisiana can ask about your health. It can say no, or it can charge you more. So if you join a Medicare Advantage plan now, you may not be able to get Medigap later. Louisiana’s birthday rule helps only people who already have Medigap, not people who leave Medicare Advantage.
One exception is the trial right. If you joined Medicare Advantage when you first got Medicare at 65, or you left a Medigap plan to try Medicare Advantage for the first time, you can switch back within 12 months. Then you can buy a Medigap plan with no health questions.
Read about Medigap rights on Medicare.govYour yearly cost, side by side
Move the controls to match your year. Totals include premiums, the Part B premium, copays, and drug costs.
Want to check your exact drugs? Medicare.gov lets you enter each drug and shows what each plan charges for it. Enter your drugs on Medicare.gov
We have no Medigap Plan G price for a 65-year-old woman in Rapides Parish. Enter the monthly price from your quote, or check Medigap prices for ZIP 71360 on Medicare.gov.
Original Medicare
We have no Medigap Plan G price for a 65-year-old woman here, so we cannot show this total yet. Enter your quote above to see it. Check Medigap prices on Medicare.gov
Humana Value Plus H7617-081 (PPO)
PPO from Humana
$4,099 a year
- Premiums
- $2,718
- Medical costs
- $1,381
- Drugs
- $0
Most you can pay in a bad year, before drugs: $9,568.
Peoples Health Essentials (HMO-POS)
HMO-POS from Peoples Health
$5,645 a year
- Premiums
- $2,514
- Medical costs
- $1,145
- Drugs
- $1,986
Most you can pay in a bad year, before drugs: $9,214.
With these settings, Humana Value Plus H7617-081 (PPO) costs about $1,546 less a year than Peoples Health Essentials (HMO-POS).
These are estimates, not quotes. Check every number with Medicare (Medicare.gov or 1-800-MEDICARE) and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Drug costs use typical prices for generic and brand-name drugs. Original Medicare amounts are 2027 projections from the 2026 Medicare Trustees Report. CMS sets the final amounts in November.
Text us about this comparisonWhat you pay each time you get care
In-network costs for one visit or one stay. The Original Medicare amounts follow your Medigap choice above: Plan G.
Primary doctor visit
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Humana Gold Plus H1951-049 (HMO)
$0
HumanaChoice H5216-326 (PPO)
$0
Peoples Health Essentials (HMO-POS)
$0
Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS)
$0
Specialist visit
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Humana Gold Plus H1951-049 (HMO)
$25
Prior authorizationHumanaChoice H5216-326 (PPO)
$35
Prior authorizationPeoples Health Essentials (HMO-POS)
$0-$35
Prior authorizationPeoples Health Medicare Advantage Patriot No Rx LA (HMO-POS)
$0-$40
Prior authorization
Lab tests
Original Medicare + Medigap Plan G
$0
most Medicare-covered tests
Humana Gold Plus H1951-049 (HMO)
$0
Prior authorizationHumanaChoice H5216-326 (PPO)
$0
Prior authorizationPeoples Health Essentials (HMO-POS)
$0
Prior authorizationPeoples Health Medicare Advantage Patriot No Rx LA (HMO-POS)
$0
Prior authorization
MRI or CT scan
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Humana Gold Plus H1951-049 (HMO)
$0-$345
Prior authorizationHumanaChoice H5216-326 (PPO)
$0-$345
Prior authorizationPeoples Health Essentials (HMO-POS)
$0-$320
Prior authorizationPeoples Health Medicare Advantage Patriot No Rx LA (HMO-POS)
$0-$95
Prior authorization
Emergency room
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Humana Gold Plus H1951-049 (HMO)
$130
HumanaChoice H5216-326 (PPO)
$130
Peoples Health Essentials (HMO-POS)
$130
Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS)
$130
Urgent care
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Humana Gold Plus H1951-049 (HMO)
$50
HumanaChoice H5216-326 (PPO)
$50
Peoples Health Essentials (HMO-POS)
$0-$50
Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS)
$0-$50
Outpatient surgery
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Humana Gold Plus H1951-049 (HMO)
$0-$50
Prior authorizationHumanaChoice H5216-326 (PPO)
$0-$250
Prior authorizationPeoples Health Essentials (HMO-POS)
$0-$305
Prior authorizationPeoples Health Medicare Advantage Patriot No Rx LA (HMO-POS)
$0-$350
Prior authorization
Ground ambulance
Original Medicare + Medigap Plan G
$0
after the $292 yearly Part B deductible
Humana Gold Plus H1951-049 (HMO)
$325
Prior authorizationHumanaChoice H5216-326 (PPO)
$325
Prior authorizationPeoples Health Essentials (HMO-POS)
$350
Prior authorizationPeoples Health Medicare Advantage Patriot No Rx LA (HMO-POS)
$275
Prior authorization
Hospital stay, 5 days
Original Medicare + Medigap Plan G
$0
Plan G pays the $1,788 Part A deductible
Humana Gold Plus H1951-049 (HMO)
$975
for a 5-day stay
Prior authorizationHumanaChoice H5216-326 (PPO)
$1,500
for a 5-day stay
Prior authorizationPeoples Health Essentials (HMO-POS)
$1,525
for a 5-day stay
Prior authorizationPeoples Health Medicare Advantage Patriot No Rx LA (HMO-POS)
$1,750
for a 5-day stay
Prior authorization
See every cost in one table
| What you pay in network | Original Medicare + Medigap Plan G | Humana Gold Plus H1951-049 (HMO) | HumanaChoice H5216-326 (PPO) | Peoples Health Essentials (HMO-POS) | Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS) |
|---|---|---|---|---|---|
| Monthly premium | Part B $209.50 + Medigap Plan G at the price of your quote + drug plan $5.30 | $0 + Part B $209.50 | $0 + Part B $209.50 | $0 + Part B $209.50 | $0 (pays back $200 a month of your Part B premium) + Part B $209.50 |
| Yearly limit on what you pay | You pay the $292 Part B deductible. Plan G pays the rest. | $4,500 in network | $6,900 in network; $9,000 in and out of network | $6,700 in network | $6,700 in network |
| Medical deductible | $292 Part B. Plan G pays the $1,788 Part A deductible. | $0 | $500 | $0 | $0 |
| Primary doctor visit | $0, after the $292 yearly Part B deductible | $0 copay | $0 copay | $0 copay | $0 copay |
| Specialist visit | $0, after the $292 yearly Part B deductible | $25 copayPrior authorization | $35 copayPrior authorization | $0-$35 copayPrior authorization | $0-$40 copayPrior authorization |
| Lab tests | $0, most Medicare-covered tests | $0 copayPrior authorization | $0 copayPrior authorization | $0 copayPrior authorization | $0 copayPrior authorization |
| MRI or CT scan | $0, after the $292 yearly Part B deductible | $0-$345 copayPrior authorization | $0-$345 copayPrior authorization | $0-$320 copayPrior authorization | $0-$95 copayPrior authorization |
| X-rays | $0, after the $292 yearly Part B deductible | $0-$145 copayPrior authorization | $0-$145 copayPrior authorization | $30 copayPrior authorization | $10 copayPrior authorization |
| Emergency room | $0, after the $292 yearly Part B deductible | $130 copay | $130 copay | $130 copay | $130 copay |
| Urgent care | $0, after the $292 yearly Part B deductible | $50 copay | $50 copay | $0-$50 copay | $0-$50 copay |
| Outpatient hospital | $0, after the $292 yearly Part B deductible | $0-$125 copayPrior authorization | $0-$350 copayPrior authorization | $0-$305 copayPrior authorization | $0-$350 copayPrior authorization |
| Surgery center | $0, after the $292 yearly Part B deductible | $0-$50 copayPrior authorization | $0-$250 copayPrior authorization | $0-$305 copayPrior authorization | $0-$350 copayPrior authorization |
| Ground ambulance | $0, after the $292 yearly Part B deductible | $325 copayPrior authorization | $325 copayPrior authorization | $350 copayPrior authorization | $275 copayPrior authorization |
| Hospital stay | $0, Plan G pays the $1,788 Part A deductible | $195 per day for days 1-10; $0 per day for days 11-90Prior authorization | $300 per day for days 1-10; $0 per day for days 11-90Prior authorization | $305 per day for days 1-10; $0 per day for days 11-90Prior authorization | $350 per day for days 1-8; $0 per day for days 9-90Prior authorization |
| Skilled nursing facility | $0, Plan G pays days 21-100 | $0 per day for days 1-20; $221 per day for days 21-100Prior authorization | $0 per day for days 1-20; $221 per day for days 21-100Prior authorization | $0 per day for days 1-20; $221 per day for days 21-100Prior authorization | $0 per day for days 1-20; $221 per day for days 21-100Prior authorization |
| Mental health visit | $0, after the $292 yearly Part B deductible | $35 copayPrior authorization | $35 copayPrior authorization | $0-$25 copayPrior authorization | $0-$25 copayPrior authorization |
| Physical therapy | $0, after the $292 yearly Part B deductible | $25 copayPrior authorization | $30 copayPrior authorization | $30 copayPrior authorization | $40 copayPrior authorization |
| Home health care | $0, Medicare-covered home health | $0 copayPrior authorization | $0 copayPrior authorization | $0 copayPrior authorization | $0 copayPrior authorization |
| Medical equipment | $0, after the $292 yearly Part B deductible | 20% coinsurancePrior authorization | 15% coinsurancePrior authorization | 20% coinsurancePrior authorization | 20% coinsurancePrior authorization |
| Part B drugs | $0 after the $292 Part B deductible | 0%-20% coinsurancePrior authorization | 0%-20% coinsurancePrior authorization | 0%-20% coinsurancePrior authorization | 0%-20% coinsurancePrior authorization |
| Drug deductible (Part D) | $700 with Wellcare Value Script (PDP) | $300 | $700 | $685 | No drug coverage |
| Drug tiers (one month, retail) | Generic: $0 copayPreferred Brand: 25% coinsuranceNon-Preferred Drug: 50% coinsuranceInjectable Drugs: 15% coinsuranceSpecialty Tier: 25% coinsuranceSelect Care Drugs: $11 copay | Preferred Generic: $0 copayGeneric: $5 copayPreferred Brand: 17% coinsuranceNon-Preferred Drug: 50% coinsuranceSpecialty Tier: 30% coinsurance | Preferred Generic: $0 copayGeneric: $5 copayPreferred Brand: 17% coinsuranceNon-Preferred Drug: 44% coinsuranceSpecialty Tier: 25% coinsurance | Preferred Generic: $0 copayGeneric: $5 copayPreferred Brand: 22% coinsuranceNon-Preferred Drug: 27% coinsuranceSpecialty Tier: 26% coinsurance | No drug coverage |
Not sure which of these costs apply to you?
Text us what you have now. We will help you read this comparison and check it with Medicare.gov.
A higher drug plan premium is not, by itself, a reason to switch
With Original Medicare, you buy a separate drug plan. In Louisiana, 8 drug plans are for sale for 2027, from $5.30 to $226.50 a month. Half of them cost $26.70 a month or less.
- Every 2027 drug plan limits what you pay for covered drugs to $2,400 a year. The drug coverage in Medicare Advantage plans has the same limit.
- The premium is one part of your yearly cost. The calculator above adds premiums, medical costs, and drug costs, so you can see the whole year.
- A Medicare Advantage plan can cost less in a light year. But you also take on its network and prior authorization rules, and you may not be able to get Medigap later.
- If your income is limited, Extra Help can pay most of your drug plan premium and drug costs. Check Extra Help at SSA.gov
The two companies in Rapides Parish
Humana
- 10 plans for 2027 (not counting special needs plans)
- 6 with a $0 premium; 2 pay back part of your Part B premium
- Yearly limits from $3,800 to $9,000
- Star ratings 3.5 to 4.5
- Humana Gold Plus H1951-049 (HMO) · $0 a month · limit $4,500
- HumanaChoice H5216-326 (PPO) · $0 a month · limit $6,900
- Humana Full Access (Regional PPO) · $212 a month · limit $3,800
- Humana USAA Honor Giveback (PPO) · $0 a month · limit $4,900
- HumanaChoice H7617-080 (PPO) · $0 a month · limit $6,900
- Humana USAA Honor Giveback (HMO) · $0 a month · limit $4,900
- HumanaChoice H5216-064 (PPO) · $54 a month · limit $6,700
- Humana Value Plus H7617-081 (PPO) · $17 a month · limit $6,850
- Humana Value Plus H5216-161 (PPO) · $17 a month · limit $6,850
- HumanaChoice R0110-001 (Regional PPO) · $0 a month · limit $9,000
Peoples Health
- 3 plans for 2027 (not counting special needs plans)
- 3 with a $0 premium; 1 pay back part of your Part B premium
- Yearly limits from $6,700 to $7,150
- Star ratings 3.5 to 3.5
- Peoples Health Essentials (HMO-POS) · $0 a month · limit $6,700
- Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS) · $0 a month · limit $6,700
- Peoples Health Extras (HMO-POS) · $0 a month · limit $7,150
Doctors, referrals, and prior authorization
Cost is one side. The other side is how you get care. These rules come from the CMS plan files. Prior authorization means the plan must approve a service before you get it.
Original Medicare
- Any doctor or hospital in the U.S. that takes Medicare
- No referrals
- Prior authorization only for a short list of services
Humana Gold Plus H1951-049 (HMO)
HMO
- You use doctors and hospitals in the plan network. Outside the network, the plan pays for emergencies and urgent care.
- No referral needed to see a specialist.
Prior authorization for 24 services
Specialist visits, Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Observation stay, Surgery center, Ambulance, Mental health visits, Psychiatrist visits, Physical therapy, Occupational therapy, Home health, Partial hospitalization, Cardiac rehab, Pulmonary rehab, Medical equipment, Prosthetics, Diabetic supplies, Dialysis, Substance use care, Hospital stay, Skilled nursing, Part B drugs
HumanaChoice H5216-326 (PPO)
PPO
- The plan has a network. You can go outside it, but you pay more.
- No referral needed to see a specialist.
Prior authorization for 24 services
Specialist visits, Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Observation stay, Surgery center, Ambulance, Mental health visits, Psychiatrist visits, Physical therapy, Occupational therapy, Home health, Partial hospitalization, Cardiac rehab, Pulmonary rehab, Medical equipment, Prosthetics, Diabetic supplies, Dialysis, Substance use care, Hospital stay, Skilled nursing, Part B drugs
Peoples Health Essentials (HMO-POS)
HMO-POS
- You use the plan network. Some care outside the network is covered at a higher cost.
- You need a referral to see a specialist.
Prior authorization for 24 services
Specialist visits, Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Observation stay, Surgery center, Ambulance, Mental health visits, Psychiatrist visits, Physical therapy, Occupational therapy, Home health, Partial hospitalization, Cardiac rehab, Pulmonary rehab, Medical equipment, Prosthetics, Diabetic supplies, Dialysis, Substance use care, Hospital stay, Skilled nursing, Part B drugs
Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS)
HMO-POS
- You use the plan network. Some care outside the network is covered at a higher cost.
- You need a referral to see a specialist.
Prior authorization for 24 services
Specialist visits, Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Observation stay, Surgery center, Ambulance, Mental health visits, Psychiatrist visits, Physical therapy, Occupational therapy, Home health, Partial hospitalization, Cardiac rehab, Pulmonary rehab, Medical equipment, Prosthetics, Diabetic supplies, Dialysis, Substance use care, Hospital stay, Skilled nursing, Part B drugs
Extra benefits
| Extra benefit | Original Medicare | Humana Gold Plus H1951-049 (HMO) | HumanaChoice H5216-326 (PPO) | Peoples Health Essentials (HMO-POS) | Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS) |
|---|---|---|---|---|---|
| Dental | No | Comprehensive, up to $3,000 a year | Comprehensive, up to $1,250 a year | Comprehensive, up to $1,250 a year | Comprehensive, up to $5,000 a year |
| Eye exam | No | Yes | Yes | Yes | Yes |
| Glasses or contacts | No | Yes, $350 allowance | Yes, $150 allowance | Yes, $250 allowance | Yes, $450 allowance |
| Hearing aids | No | Yes, copays from $575 | Yes, copays from $575 | Yes, up to $1,000 | Yes, up to $1,000 |
| Over-the-counter allowance | No | $120 a year | No | No | $1,020 a year |
| Fitness benefit | No | Yes | Yes | Yes | Yes |
| Rides to care | No | No | No | No | No |
| Meals after a hospital stay | No | Yes | Yes | Yes | Yes |
| Emergency care abroad | Plan G and Plan N pay 80% after a $250 deductible | Yes | Yes | No | No |
| Part B premium giveback | No | No | No | No | $200 a month |
What changed for 2027
Humana Gold Plus H1951-049 (HMO)
Renewal Plan · 2026 plan H1951-049-2
- Drug deductible down from $615 to $300
- Part B giveback down from $2 to $0
- Specialist visit: $20 copay to $25 copay
- Diagnostic radiology (MRI, CT): $0-$335 copay to $0-$345 copay
- Ground ambulance: $335 copay to $325 copay
- Skilled nursing facility: $0 per day for days 1-20; $218 per day for days 21-100 to $0 per day for days 1-20; $221 per day for days 21-100
- Yearly OTC allowance down from $240 to $120
- Rides to care removed
HumanaChoice H5216-326 (PPO)
Renewal Plan · 2026 plan H5216-326-0
- In-network out-of-pocket maximum up from $4,900 to $6,900
- Drug deductible up from $615 to $700
- Part B giveback down from $1 to $0
- Diagnostic radiology (MRI, CT): $0-$335 copay to $0-$345 copay
- Ground ambulance: $335 copay to $325 copay
- Inpatient hospital: $295 per day for days 1-10; $0 per day for days 11-90 to $300 per day for days 1-10; $0 per day for days 11-90
- Skilled nursing facility: $0 per day for days 1-20; $218 per day for days 21-100 to $0 per day for days 1-20; $221 per day for days 21-100
- Dental maximum down from $1,500 to $1,250
- Overall star rating up from 3.5 to 4
Peoples Health Essentials (HMO-POS)
Renewal Plan · 2026 plan H1961-017-0
- Drug deductible up from $355 to $685
- Specialist visit: $0-$40 copay to $0-$35 copay
- Diagnostic radiology (MRI, CT): $0-$260 copay to $0-$320 copay
- Outpatient hospital: $0-$275 copay to $0-$305 copay
- Ground ambulance: $290 copay to $350 copay
- Inpatient hospital: $275 per day for days 1-10; $0 per day for days 11-90 to $305 per day for days 1-10; $0 per day for days 11-90
- Skilled nursing facility: $0 per day for days 1-20; $218 per day for days 21-100 to $0 per day for days 1-20; $221 per day for days 21-100
- Dental maximum down from $2,000 to $1,250
- Eyewear allowance down from $300 to $250
- OTC allowance removed
- Worldwide emergency coverage removed
- Overall star rating down from 4.5 to 3.5
Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS)
Renewal Plan with SAE · 2026 plan H1961-026-0
- Part B giveback up from $175 to $200
- Specialist visit: $0-$55 copay to $0-$40 copay
- Diagnostic radiology (MRI, CT): $0-$260 copay to $0-$95 copay
- Skilled nursing facility: $0 per day for days 1-20; $218 per day for days 21-100 to $0 per day for days 1-20; $221 per day for days 21-100
- Yearly OTC allowance up from $400 to $1,020
- Eyewear allowance up from $250 to $450
- Worldwide emergency coverage removed
- Overall star rating down from 4.5 to 3.5
More 2027 plans in Rapides Parish
- Aetna Medicare Signature Care (HMO), H3239-022 (page for Jefferson Parish, LA)
- Blue adVantage Reliance (HMO-POS), H6453-017 (page for Jefferson Parish, LA)
- Wellcare Simple (HMO-POS), H2491-017 (page for Caddo Parish, LA)
- Blue adVantage Liberty (PPO), H1248-007 (page for Jefferson Parish, LA)
- Blue adVantage Premier (PPO), H1248-004 (page for Jefferson Parish, LA)
- Wellcare Assist (HMO-POS), H2491-010 (page for Jefferson Parish, LA)
- Blue adVantage Platinum (HMO-POS), H6453-018 (page for Jefferson Parish, LA)
- Wellcare Giveback (HMO-POS), H2491-031 (page for Jefferson Parish, LA)
County guide: 2027 plans in Rapides ParishState guide: Louisiana
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Sources and method
Plan data comes from the CMS 2027 Plan Benefit Package and landscape files. The data is from 2026-10-10. We checked a sample of plans field by field against Medicare.gov. Original Medicare amounts are the 2027 projections in the 2026 Medicare Trustees Report (Tables V.E1 and V.E2). CMS sets the final amounts in November. We do not have a Medigap price for Rapides Parish, LA. So the Original Medicare total needs your own Medigap quote. You can look up prices for ZIP 71360 on Medicare.gov. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Humana Gold Plus H1951-049 (HMO) on Medicare.gov · plan website · drug list · doctor directory
- HumanaChoice H5216-326 (PPO) on Medicare.gov · plan website · drug list · doctor directory
- Peoples Health Essentials (HMO-POS) on Medicare.gov · plan website · drug list · doctor directory
- Peoples Health Medicare Advantage Patriot No Rx LA (HMO-POS) on Medicare.gov · plan website · drug list · doctor directory
- Medigap prices for ZIP 71360 on Medicare.gov
- CMS Plan Benefit Package files, 2027
- CMS 2027 landscape files (premiums and limits)
- CMS 2027 plan crosswalk
- CMS 2027 Star Ratings
- 2026 Medicare Trustees Report: projected 2027 Part A and Part B amounts (Tables V.E1 and V.E2)
- CMS 2026 Part A and Part B amounts
- Medicare.gov: Medigap guaranteed issue rights
These are estimates, not quotes, and they are for education only. Check every number with Medicare and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Plans can change their benefits, premiums, drug lists, and networks each year.
Pinnie is not an insurance agent or broker and does not sell Medicare plans. Pinnie is not connected with or endorsed by the U.S. government or the federal Medicare program. For all your options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.