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Lagniappe Advantage (PPO I-SNP)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Lagniappe Advantage (PPO I-SNP). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Lagniappe Advantage (PPO I-SNP) in 2026, please refer to our full plan details page.
Lagniappe Advantage (PPO I-SNP) is a PPO I-SNP plan offered by Curana Health Holdings, LLC available for enrollment in 2026 to people living in Louisiana (partial). The overall rating for this plan is not yet available for 2026.
It's important to know that Lagniappe Advantage (PPO I-SNP) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Important:
Lagniappe Advantage (PPO I-SNP)is a Special Needs Type (SNP) plan. This means you can only enroll in this plan if you meet specific criteria. See our full plan details page for more information.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Lagniappe Advantage (PPO I-SNP).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For Lagniappe Advantage (PPO I-SNP), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $32.90. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $615.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a combined Maximum Out-Of-Pocket cost of $13900.00 (in-network or out-of-network combined). You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $13900.00 for covered services, the plan will pay 100% of covered costs for the rest of the year.
The plan may have separate out-pocket-maximums for in-network and out-of-network services. See our full plan details page for more information.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The Lagniappe Advantage (PPO I-SNP) Medicare plan features an annual prescription drug deductible of $615. This deductible represents the amount you must pay out-of-pocket for covered medications before the plan begins to pay its share. While specific drug coverage tier details, copayments, and coinsurance rates are not currently available, knowing the deductible is a crucial first step in evaluating your yearly healthcare costs. To determine how your specific prescriptions are covered under the Lagniappe Advantage (PPO I-SNP) plan, you should consult the plan's comprehensive formulary list.
Additional Benefits
The Lagniappe Advantage (PPO I-SNP) plan offers robust medical coverage featuring no copay and no coinsurance for inpatient hospital stays, primary care doctor visits, home health services, and standard preventive care. For most outpatient services, specialist visits, physical therapy, and durable medical equipment, members will pay no copay and a standard 20% coinsurance. Emergency room visits require a $90 copay which is waived if you are admitted to the hospital, while urgently needed care carries a 20% coinsurance up to $40. This plan also provides valuable supplemental benefits, including no copay and no coinsurance for over-the-counter items and home infusion services. Routine dental and vision services are covered with no copay and a 20% coinsurance, featuring annual maximum allowances of $2,000 for dental care and $250 for eyewear. Prescription hearing aids are also covered with no copay or coinsurance up to a $1,500 annual limit, helping you significantly minimize out-of-pocket healthcare costs.
Inpatient Hospital See details
Lagniappe Advantage (PPO I-SNP) partially covers inpatient hospital services, offering acute and psychiatric stays with no copay and no coinsurance, though prior authorization is required. Under this plan, additional hospital days, upgrades, and non-Medicare-covered stays are not covered.
Outpatient Services See details
Outpatient services covered by Lagniappe Advantage (PPO I-SNP) feature no copay and a 20% coinsurance for outpatient hospital, ambulatory surgical center, observation, substance abuse, and blood services. Prior authorization is required for most of these covered services, and there is no deductible for outpatient blood services.
Partial Hospitalization See details
Lagniappe Advantage (PPO I-SNP) covers partial hospitalization services with no copay and a 20% coinsurance. Prior authorization is required to access this benefit.
Ambulance and Transportation Services See details
Lagniappe Advantage (PPO I-SNP) covers Medicare-covered ground and air ambulance services with a 20% coinsurance and no copay, with prior authorization required. Transportation services to health-related locations are not covered under this plan.
Emergency Services See details
Lagniappe Advantage (PPO I-SNP) covers emergency services with a $90 copay and no coinsurance, which is waived if you are admitted to the hospital within three days. Urgently needed services are covered with a 20% coinsurance (up to $40 per visit) and no copay, but worldwide emergency, urgent, and transportation services are not covered.
Primary Care See details
Primary care services under the Lagniappe Advantage (PPO I-SNP) plan feature no copay and no coinsurance for primary care physician and opioid treatment services, while chiropractic services are not covered. Other covered benefits—including specialist visits, mental health, podiatry, and physical, occupational, and speech therapies—require no copay and a 20% coinsurance, with telehealth ranging from 0% to 20% coinsurance.
Preventive Services See details
Preventive services are partially covered under Lagniappe Advantage (PPO I-SNP), offering Medicare-covered preventive services, kidney disease education, glaucoma screenings, diabetes self-management training, digital rectal exams, and EKGs with no copay and no coinsurance. However, the annual physical exam and additional preventive services—such as fitness benefits, health education, in-home safety assessments, and personal emergency response systems—are not covered.
Hearing Services See details
Lagniappe Advantage (PPO I-SNP) covers hearing exams with no copay, though routine exams require a 20% coinsurance, and OTC hearing aids with no copay or coinsurance. Prescription hearing aids are partially covered with no copay or coinsurance up to a $1,500 annual limit, but inner ear, outer ear, and over the ear prescription hearing aids are not covered.
Vision Services See details
Lagniappe Advantage (PPO I-SNP) provides vision services with no copay and no deductible, though a 20% coinsurance applies to routine eye exams and contact lenses. Routine eye exams are covered once per year (other eye exam services are not covered), and the plan offers a $250 annual combined maximum for covered eyewear like contact lenses and eyeglasses.
Dental Services See details
Lagniappe Advantage (PPO I-SNP) partially covers dental services with no copay and a 20% coinsurance for Medicare-covered dental, and no copay or coinsurance for other covered services up to a $2,000 annual maximum. Other preventive dental services, maxillofacial prosthetics, and orthodontics are not covered.
Home Infusion bundled Services See details
Home infusion bundled services are covered by Lagniappe Advantage (PPO I-SNP) with no copay, although prior authorization and step therapy are required. Covered Medicare Part B drugs, including chemotherapy and insulin, have a coinsurance ranging from no coinsurance up to 20%, with insulin also requiring a $35 copay.
Dialysis Services See details
Dialysis Services are covered under the Lagniappe Advantage (PPO I-SNP) plan with no copay and a 20% coinsurance.
Medical Equipment See details
Lagniappe Advantage (PPO I-SNP) covers durable medical equipment, prosthetics, medical supplies, and diabetic equipment with no copay and 20% coinsurance. Prior authorization is required for durable medical equipment and prosthetics, but there are no manufacturer or vendor restrictions on these covered items.
Diagnostic and Radiological Services See details
Lagniappe Advantage (PPO I-SNP) diagnostic and radiological services are partially covered and require prior authorization, featuring no copays for all covered benefits. Covered diagnostic procedures, diagnostic and therapeutic radiological services, and outpatient X-rays require a 20% coinsurance, while lab services are not covered.
Home Health Services See details
Home Health Services are covered by Lagniappe Advantage (PPO I-SNP) with no copay and no coinsurance, although prior authorization is required.
Cardiac Rehabilitation Services See details
Lagniappe Advantage (PPO I-SNP) covers Cardiac Rehabilitation Services with no copay and a 20% coinsurance, though prior authorization is required. While some services are covered, standard cardiac rehabilitation, intensive cardiac rehabilitation, pulmonary rehabilitation, and supervised exercise therapy (SET) for peripheral artery disease (PAD) are not covered.
Skilled Nursing Facility (SNF) See details
Lagniappe Advantage (PPO I-SNP) covers Skilled Nursing Facility (SNF) services with no copay, requiring prior authorization and utilizing Medicare-defined cost sharing. The benefit does not require a prior three-day inpatient hospital stay for admission, but additional days beyond the Medicare-covered limit are not covered.
Other Services See details
Lagniappe Advantage (PPO I-SNP) partially covers other services, offering over-the-counter (OTC) items, including nicotine replacement therapy, with no copay and no coinsurance. Acupuncture, meal benefits, and Naloxone coverage are not covered under this plan.
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