Medicare agents serving communities across Louisiana

Yes. Medicare Advantage plans are usually offered by parish, and you must live in a plan’s service area to join it. The plans available to you, and their benefits and costs, can vary by parish and by your own eligibility, so your agent will look at the options available at your full home address.

Yes. Your agent can meet with you at home, virtually, by phone or somewhere local where you’re comfortable. In-office appointments are available at our Covington, Shreveport and West Monroe offices. Use the form below to set up a time.

Yes. If you already have a Medicare Supplement (Medigap) policy, Louisiana gives you a 63-day window each year, starting on your birthday, to buy a Medigap policy from your current insurance company or one of its affiliates. Your agent can help you understand whether it applies to you.

It depends on the coverage you choose. With Original Medicare, you can generally use any doctor or hospital that takes Medicare, anywhere in the U.S. With a Medicare Advantage plan, you may need to use doctors and hospitals in the plan’s network for non-emergency care. Networks can change: a plan can add or remove providers, and a doctor can leave a plan’s network. Your agent can help you check your doctors against the plans available to you.

It depends on the plan. Drug coverage and costs can change from one year to the next. Bring a list of every prescription you take, with doses, so your agent can help you compare how each option covers them.

There are three main Medicare enrollment periods to know:

Initial Enrollment Period (IEP): Generally a seven-month window around when you first become eligible for Medicare: three months before your 65th birthday month, your birthday month and three months after.

Annual Enrollment Period (AEP): October 15 through December 7 each year. This is the yearly opportunity for people with Medicare to review and change health and drug coverage for the coming year. Changes generally take effect January 1.

Medicare Advantage Open Enrollment Period (OEP): January 1 through March 31 each year. This is for people already enrolled in a Medicare Advantage plan and allows one change, such as switching Medicare Advantage plans or returning to Original Medicare and, if applicable, joining a standalone Part D plan.

Your Fussell Group agent can help you understand which enrollment period applies to your situation.

It’s a good idea. Your Medicare costs, benefits and providers can change each year, so a yearly review helps you check that your coverage still fits your doctors, prescriptions and budget.

No. Fussell Group Insurance Advisors is an insurance agency and is not affiliated with or endorsed by the government or the federal Medicare program.

Yes. For free, unbiased Medicare counseling from the state, you can call the Louisiana Senior Health Information Program (LaSHIP) at 1-800-259-5300. Fussell Group is not affiliated with LaSHIP.

A Medicare Advantage plan is another way to get your Medicare coverage, instead of Original Medicare. A Medicare Supplement (Medigap) policy works alongside Original Medicare and helps pay some of the costs it doesn’t cover, like copayments, coinsurance and deductibles. You can’t have both at the same time. Your agent can walk you through how each option would work with your doctors, prescriptions and budget.