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Medicare Supplement Plans in Mississippi


To get a Medicare Supplement plan 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.

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 to find your best option thoroughly. Let’s break down each option 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 gaps left by enrolling in Original Medicare alone. Seniors that enroll in Medicare Supplement Plan F receive benefits covering the complete cost of Original Medicare’s deductibles, coinsurances, and copayments.

Seniors with Original Medicare (Medicare Part A and Part B) only will need to pay 20% out-of-pocket for services Medicare covers. But for seniors with Medicare Supplement Plan F, you enjoy protection from such costs.

Unfortunately, for some Mississippians, while Medigap Plan F hasn’t been discontinued, only those eligible for 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, Medicare Supplement Plan G is a great alternative offering comprehensive coverage for seniors. You’ll receive the same benefits as Plan F covers except for payment towards the Medicare Part B deductible.

However, even having to pay the deductible, Medigap Plan G is often still better for many seniors because the savings each year from Plan F premiums are more than their total deductible.

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 are a senior requiring a lot of medical care, Medicare Supplement Plan G can be one of the best Medicare Supplement plans in Mississippi

Medigap Plan N in Mississippi

Seniors looking to cut costs will enjoy Medicare Supplement Plan N, however, while this plan does have the lowest premium of the top three plans, it also comes with less coverage. Medigap Plan N enrollees need to be prepared to pay for copays when they go to the doctor or hospital. 

You may also need to pay excess charges when using a practitioner who doesn’t accept Medicare assignment. Still, when it comes to cheap Medicare Supplemental insurance plans in Mississippi, this is an excellent route.

Each senior will have a different preference for choosing the best Medigap plan in Mississippi. Medicare Supplement Plan N can be more attractive if you have fewer medical needs, while Medigap Plan G – or Plan F, for those who qualify, can provide more coverage for those with greater healthcare needs.

Mississippi Medigap Costs

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

Medicare Supplement plans in Mississippi will offer the same coverages, generally, however, depending on where you live regionally, the costs can fluctuate drastically. Your age and gender are major factors in how much you’ll pay as well as whether or not you are a smoker and the number of benefits you receive.

Our Medigap cost comparison chart helps seniors in Mississippi view some examples of how costs may vary. Remember, that 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.

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 1/1/20

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.

Seniors will still have some costs when enrolling in Medigap, however, including your premium and various out-of-pocket costs depending on the requirements of your plan.

Companies Offering Medicare Supplement Plans in Mississippi

Seniors in Mississippi have plenty of major carriers providing Medicare Supplement coverage in their area.

These 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, there are also Medicare Advantage plans available. This includes Special Needs Plans for those who qualify. Mississippi also offers dual-eligible plans for those who are eligible. Basically, this is coverage for beneficiaries with both Medicare and Medicaid.

Medicare Part D prescription drug plans offer affordable coverage that lower the cost of your medication. There are copayments and deductibles to pay, however, seniors enjoy reduced prices for their prescription drugs.

In addition to Medicare coverage, dental, vision, and hearing plans help seniors receive benefits for healthcare they might otherwise find lacking. These coverages are great supplements to your Medicare benefits.

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. But why do that when we can take the guesswork out of it for you?

We can save you money and time and find the best plans 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 MedicareFAQ.com. 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?

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