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Medicare Supplement Plans in Mississippi

Thier are 10 Medicare Supplement plans in Mississippi to choose from. Medigap policies cover many expenses not included in Medicare Part A or Medicare Part B, including coinsurance, copayments, and the Medicare Part A deductible. These “gaps” in Original Medicare coverage are expensive and time consuming for beneficiaries not enrolled in Medicare Supplement plans in Mississippi.

The following five Medigap insurance plans are the most popular in Mississippi.

Medicare Supplement Plan F

Medicare Plan F is the best Medicare Supplement insurance plan in Mississippi for beneficiaries interested in eliminating out-of-pocket costs. It offers the most comprehensive Medicare benefits, which includes coverage for the Medicare Part B deductible.

Only beneficiaries with a Medicare Part B effective date prior to January 1, 2020, are eligible for Plan F. That eligibility restriction leaves many beneficiaries to select Plan G as their most comprehensive plan option.

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Medicare Supplement Plan G

Medicare Plan G offers the same benefits as Plan F with the exception of coverage for the Part B deductible. This plan is the most comprehensive option for Mississippi beneficiaries with a Part B effective date on or after January 1, 2020.

Medicare Supplement Plan N

For beneficiaries interested in full coverage with a lower monthly premium, Medicare Plan N is a good option. It’s a bit more affordable than Plans F and G because it requires beneficiaries to pay the following expenses out of pocket:

  • Part B deductible
  • Part B coinsurance (up to $20 for some doctor visits and up to $50 for emergency room visits)

Beneficiaries who don’t see the doctor or visit the emergency room often, this plan offers lower premiums for reasonable health care coverage.

High-Deductible Medigap Plan F

Some beneficiaries prefer to pay more out of pocket at the beginning of the year in order to enjoy lower premiums all year long. That happens with high-deductible Medigap policies. Beneficiaries pay a high deductible in full and then access full plan benefits for the rest of the year.

High-deductible Plan F offers the most extensive coverage but comes with the same eligibility restrictions as the standard Plan F.

High-Deductible Medigap Plan G

High-deductible Plan G offers substantially lower premiums for beneficiaries willing to meet the deductible out of pocket before accessing benefits. In some cases, this is a more affordable option even for Mississippi beneficiaries qualified to enroll in Plan F.

Medicare Supplement Insurance cost in Mississippi

Rates for each Medigap plan in Mississippi vary, depending on the following:

  • Age
  • Location
  • Gender
  • Tobacco usage
65-Year Old Female Non-tobacco
Plan Type Premium Range
Plan F$159 per month
Plan G$110 per month
Plan N$101 per month

When can I apply for a Medicare Supplement plan?

The best time for Medigap enrollment in Mississippi is during the one-time Medigap Open Enrollment Period. Each beneficiary has a unique period that starts the first day of the month they are enrolled in Medicare Part B and are at least 65 years old.

This enrollment period lasts for six months and comes with the following guaranteed issue rights:

  • No Medicare insurance company can deny coverage to any beneficiary within this period.
  • The insurer cannot use medical underwriting to determine rates. They must offer the best rate available in the beneficiary’s service area without considering pre-existing conditions or current health condition.

Some beneficiaries may qualify for the same guaranteed issue rights outside of the initial enrollment period. Beneficiaries applying without guaranteed issue rights will submit to medical underwriting, and the insurance company may deny coverage. Most beneficiaries will receive the lowest monthly premiums when applying during the initial enrollment period.

Ready to Learn More?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with most of the nations top-rated Medigap carriers such as Aetna, Cigna, Mutual of Omaha and Florida Blue Medicare plans. Give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state. We educate you on the best Medicare Plans for your situation, then let you decide. 

Related Topics

Mississippi State Links

Key Take Aways
  • Medigap policies cover many expenses not included in Medicare Part A or Medicare Part B, including coinsurance, copayments, and the Part A deductible.
  • There are 10 Medicare Supplement Plans in Mississippi to choose from.
  • In Mississippi, Medicare Supplement Plan G is the most popular plan for 2022.