Part A — Hospital
Inpatient stays, skilled nursing after a qualifying stay, hospice, and some home health. Usually premium-free if you worked 40 quarters.
We understand health insurance so you don't have to.
Friendly, licensed advisors who teach you how Medicare actually works — then help you pick the plan that fits. No fees, no pressure, ever.
Medicare 101 · 2026
The numbers, in plain English.
Official 2026 figures from Medicare.gov. Know them before anyone tries to sell you anything.
$1,736
Part A hospital deductible
per benefit period
$202.90
Part B standard premium
per month
$283
Part B annual deductible
per year
$2,100
Part D out-of-pocket cap
then $0 for covered drugs
Part B — Medical
Doctor visits, outpatient care, labs, preventive screenings, and durable medical equipment. You pay a monthly premium.
Part C — Advantage
Parts A and B bundled through a private carrier, often with dental, vision, hearing, OTC, and drug coverage rolled in.
Part D — Drugs
Prescription coverage. In 2026 your out-of-pocket spending is capped, and you can spread costs monthly.
Filling the gaps
Original Medicare doesn't cover everything. Skilled nursing beyond day 100, most long-term home health support, dental, vision, and hearing all fall outside it. Ancillary and chronic-condition plans exist to cover exactly those gaps — we'll show you which ones you actually need.
Skilled nursingChronic condition plansHome healthHospital indemnityDental & visionCritical illness
Why Bayou
You deserve a guide, not a sales pitch.
Understand your options.
We explain Medicare, ACA, and ancillary plans in everyday language. No jargon, no pressure, no rushed appointments.
Your information stays yours.
Health information is shared only when you say so. Encrypted intake and secure storage — always.
A team behind you, for good.
From the first question to the day claims get paid — you keep the same advisor on a first-name basis.
Coverage
The right coverage. For your life.
Tell us where you are. We'll guide you to the right plan.
Turning 65
Medicare Plan Finder
Turning 65 or retiring? We walk through Original Medicare, Advantage, and Supplement options in your area — without confusion.
- Compare plans side by side
- Your doctors and drugs checked first
- Enroll with help — no pressure
Under 65
ACA Health Insurance
Under 65 and uninsured? Most households qualify for tax credits. We find coverage that actually fits your budget.
- Most people qualify for tax credits
- Bronze to Platinum, explained
- Special enrollment help for life changes
Family
Life Insurance
Protect what matters most. We help you choose right-sized coverage for your family — simply and affordably.
- Term and permanent, explained clearly
- Right-sized to your situation
- Free quotes, no obligation
Ancillary
Dental, Vision & More
Don't skip the care you need. Affordable dental, vision, hearing, hospital indemnity, and critical illness coverage.
- Preventive care typically 100% covered
- Eye exams and eyewear included
- Individual and family plans available
Free Resources
Know before you decide.
Printable
Medicare Basics Guide
Parts A, B, C, D — explained simply. Download and keep it handy.
View GuideChecklist
Enrollment Checklist
Don't miss a step. Print this checklist and feel confident going in.
Get ChecklistInteractive
Medicare Plan Tour
A guided walkthrough of your options — personalized to your ZIP.
Start TourYour Guide
We're in your corner.
Bayou Benefits is a team of licensed advisors who believe insurance should be simple. We show up for you — not to sell, but to teach and guide.
From your first question to the day your coverage starts, you'll always have a real person by your side who knows your name and your situation.
500+
Families Guided
20+
Carriers
24h
Reply
$0
Advisor Fee
Get In Touch
Let's talk.
Independent advice, available nationwide. The Annual Election Period runs October 15 through December 7 — reach out anytime for a complimentary review.
Phone
(504) 317-1177
Mon–Fri · 8a–6p CT
info@bayoubenefits.com
Reply within one business day
Web
www.bayoubenefits.com
Office
123 Bayou Road, Suite 100
Mandeville, LA 70471