Medicare Supplement Plans in Mississippi

For access to Medicare Supplement plans in Mississippi, you’ll have to be a resident of The Magnolia State. Medicare Supplement (Medigap) in Mississippi is much like most other states. This means Mississippi adheres to the federal guidelines regarding standardization of Medigap coverage. But prices still vary from state to state.

Let’s dive into how Medicare Supplement plans in Mississippi work. We’ll review coverage, examine costs, and help you decide which are the best Medicare Supplement plans available for you.

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How Medicare Supplement Plans in Mississippi Work

Like most states, the top three Medicare Supplement plans in Mississippi are Medigap Plan G, Plan N, and Plan F. Comprehensive, high-quality coverage attracts those on Medicare to these extensive policies.

As with anything, it’s best to review each plan thoroughly to find your best option. Let’s break down each of the top three plans to gain a better understanding of the benefits seniors can enjoy.

Medigap Plan F in Mississippi

Medigap Plan F helps seniors pay for the costs that come from the coverage gaps that you encounter when you have Original Medicare (Part A and Part B) only. Those who enroll in Medicare Supplement Plan F receive benefits covering all of Original Medicare’s out-of-pocket costs, including deductibles, coinsurances, and copayments.

Seniors who have Original Medicare on its own must pay 20% out-of-pocket for services Medicare covers. At first, 20% may not sound like much but costs can add up and there is no out-of-pocket maximum with Original Medicare only. But with Medicare Supplement Plan F, you can enjoy protection from such costs.

Unfortunately, for some Mississippians, while Medigap Plan F hasn’t been discontinued, only those with Medicare coverage before January 1, 2020, can enroll in this plan.

Medigap Plan G in Mississippi

As Medigap Plan F isn’t available to many newer eligible seniors, Plan G is a great alternative. This plan offers the second-most comprehensive Medigap coverage. You’ll receive the same benefits as Medigap Plan F covers with one exception: you will need to pay the Medicare Part B deductible before receiving 100% coverage.

However, even considering the deductible, Medigap Plan G is often still a better choice for many, because the savings each year from Plan F premiums exceed the Medicare Part B deductible for the given year.

Medigap Plan G helps protect seniors when receiving care for a chronic condition, during emergency healthcare services, and for preventive care. This includes covering up to 80% of foreign travel emergency care costs.

If you require frequent medical care, Medicare Supplement Plan G can be one of the best Medicare Supplement plans in Mississippi

Medigap Plan N in Mississippi

Those looking to cut costs will enjoy Medicare Supplement Plan N. Yet, while this plan has the lowest premium of the top three, it also comes with less coverage. Medigap Plan N enrollees must prepared to pay for copays at the doctor or hospital.

You may also need to pay Medicare Part B excess charges when using a practitioner who doesn’t accept Medicare assignment.

Not all states allow excess charges, but Mississippi does. However, if you are receiving care in a state that does not allow excess charges, you will not need to pay them – regardless of the fact that you live in Mississippi.

However, excess charges are rare because most doctors accept Medicare assignemnt. When it comes to Medicare Supplemental insurance plans in Mississippi that won’t break the bank, Medigap Plan N is an excellent route.

Each person’s health and budget needs will determine what the best Medigap plan in Mississippi is for them. Medicare Supplement Plan N can be more attractive if you have fewer medical needs, while Plan G – or Plan F, for those who qualify, can provide more coverage for those with greater healthcare needs.

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Mississippi Medigap Costs

When shopping for Medigap plans in Mississippi, one of the first things you’ll find is monthly premium cost differences. A woman in Jackson, MS, may pay more for her Medigap coverage each month than a woman in Biloxi, MS. But why is this?

Medicare Supplement plans in Mississippi will offer the same coverages, generally, however, depending on where in the state you live, the costs can fluctuate drastically. Your age and gender are other major factors in how much you’ll pay as well as whether you use tobacco products. Lastly, your plan letter reflects the level of benefits you receive, so you will pay more each month for a higher level of coverage.

Our Medigap cost comparison chart helps seniors in Mississippi view some examples of how costs may vary. Remember, this chart accounts for the monthly premium costs of a 65-year-old male and female compared to a 75-year-old male and female in the same Mississippi ZIP Code. These are only sample rates – you must speak to a licensed Medicare agent to get an accurate quote for you.

Female, No Tobacco, Mississippi ZIP Code 39503
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $110-$417* $133-$585*
Medicare Supplement Plan G $91-$381 $110-$499
Medicare Supplement Plan N $72-$320 $87-$402
Male, No Tobacco, Mississippi ZIP Code 39503
Medigap Plan Monthly Premium Age 65 Monthly Premium Age 75
Medicare Supplement Plan F $124-$480* $150-$672*
Medicare Supplement Plan G $103-$431 $124-$574
Medicare Supplement Plan N $81-$362 $98-$462

* If on Medicare before 01/01/2020

The older you are when signing up for Medicare Supplement plans in Mississippi, the more you can expect to pay. This is why seniors are encouraged to enroll when turning 65 years of age during their Medigap Open Enrollment Period.

It is crucial to be aware that beyond your monthly premium, you’ll still be responsible for some costs while on Medigap. These costs include your monthly premium and various out-of-pocket expenses, depending on the requirements of your plan.

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Companies Offering Medicare Supplement Plans in Mississippi

Seniors in Mississippi have plenty of major carriers options in their area.

Below are some of the top-rated providers offering Medicare Supplement plans in Mississippi:

  • Aetna
  • Bankers Fidelity
  • Blue Cross Blue Shield (BCBS) of Mississippi
  • Capitol Life
  • Cigna
  • GPM
  • Humana
  • Lumico Life Insurance
  • Manhattan Life
  • Mutual of Omaha
  • National General
  • United American
  • UnitedHealthcare

Other Medicare Coverage Options in Mississippi

In addition to Medicare Supplement plans in Mississippi, Medicare Advantage plans are another option. These include Special Needs Plans for those who qualify. Mississippi also offers dual-eligible plans for those who qualify. Dual-eligibility refers to those who qualify for both Medicare and Medicaid.

Medicare Advantage plans include additional benefits, such as dental, vision, and hearing coverage as well as built-in prescription drug plans. However, unlike Original Medicare, practitioner networks can be very limited.

As neither Original Medicare nor Medigap cover prescription drugs, Medicare Part D prescription drug plans offer affordable coverage that lowers the cost of your medication. With this coverage, you are responsible for copayments and deductibles. However, when you have Original Medicare and Medigap, is wise to enroll in Medicare Part D as soon as possible to avoid a late penalty that increases the longer you wait.

Dental, vision, and hearing plans are also available for Medicare seniors in Mississippi. Alongside your Original Medicare and Medigap coverage, these policies provide healthcare benefits you might otherwise find lacking. These coverages are great supplements to your Medicare benefits.

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How to Apply for Medicare Supplement Plans in Mississippi

Our agents are here to help seniors find the best Medigap plans in Mississippi for their needs. Sure, you can spend hours on end researching available Medigap coverage through each carrier individually. But why do that when we can take the guesswork out of it for you?

We can save you money and time – finding the best combination of coverage for you! Give us a call at the number above or complete an online rate form to find Medicare Supplement plans in Mississippi that fit your healthcare needs.

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Jagger Esch

Jagger Esch is the Medicare expert for MedicareFAQ and the founder, president, and CEO of Elite Insurance Partners and Since the inception of his first company in 2012, he has been dedicated to helping those eligible for Medicare by providing them with resources to educate themselves on all their Medicare options. He is featured in many publications as well as writes regularly for other expert columns regarding Medicare.

2 thoughts on “Medicare Supplement Plans in Mississippi

  1. Hello my mom is 85. DOB 6/11/1936. She is paying $328.33 per month for Medicare supplement plan F with Manhattan life insurance company. Is this a good price or can I find a better premium?

    1. Hi Darrell – if the $328.33 is the price of the Supplement plan alone, it is on the higher side for Mississippi. This could also be due to the attained age rating method, which is based on her current age. It could be worth looking into other policy prices, but keep in mind that she’ll need to go through Medicare Supplement underwriting and answer health questions. As a result, she could possibly face denial due to any pre-existing conditions.


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