Compare the Best Medigap Plans in Mississippi for 2024

Mississippi residents on Original Medicare can strengthen their Part A and B coverage by choosing one of the best Medigap plans in Mississippi. With ten different options tailored to lower your out-of-pocket expenses, finding the ideal plan that meets your healthcare and financial goals is more convenient than ever.

This page highlights the top Mississippi Medicare Supplement and insurance companies for 2024.

Discover the Top 3 Best Medigap Plans in Mississippi for Complete Protection

For Medicare enrollees in Mississippi, Medigap Plans F, G, and N consistently rank among the top choices. These Medicare Supplement plans are designed to offer different levels of coverage to help minimize out-of-pocket medical expenses. If you need the most comprehensive coverage, Plan F could be the right choice, while Plan G balances coverage and cost. Looking for a more budget-friendly option? Consider Plan N vs. Plan G.

Below, you’ll discover what makes them the most popular plans, along with key benefits and top providers in Mississippi.

Medigap Plan F in Mississippi

Medigap Plan F provides the most extensive coverage available, covering both Medicare Part A and Part B deductibles. This is the best Medicare Supplement plan for those who want the highest level of protection from out-of-pocket costs. Discover how Plan F compares to Plan G and learn about the High-Deductible Plan F option.

Required Benefits of Plan F in Mississippi

Medigap Plan G in Mississippi

Medicare Supplement Plan G is one of the most popular coverage options available, offering nearly all the coverage of Plan F but at a more affordable price. With the only exception being the Medicare Part B deductible, Plan G provides strong protection at lower costs. Explore why Plan G might be the right choice for you.

Required Benefits of Plan G in Mississippi

Medigap Plan N in Mississippi

Plan N is a top choice for those who want comprehensive coverage (excluding excess charges) without the higher premiums of other plans. Though it involves small copayments for office visits and emergency care, it offers significant savings on monthly premiums. Discover the benefits and drawbacks of Plan N.

Required Benefits of Plan N in Mississippi

Average Costs for Medigap Plans in Mississippi

Plan premiums in Mississippi can fluctuate depending on several factors, such as the plan you choose, your age, gender, and tobacco usage. Below is a breakdown of the average monthly premiums for the most popular supplemental plans in Mississippi:

• Plan G: $150 - $200 per month
• Plan N: $120 - $170 per month

What Affects the Cost of Medigap Plans in Mississippi?

Medicare Supplement costs in Mississippi are determined by several key factors, such as:

• Age: Premiums tend to increase with age.
• Gender: Gender can impact premium rates, with women sometimes paying lower rates.
• Tobacco Use: Smokers will generally pay more for their coverage.
• Location: Regional variations in Mississippi can affect how much you pay for coverage.

Looking for ways to lower your Medigap and out-of-pocket costs? Learn how to find the most affordable Medigap coverage.

Compare All Medicare Supplement Plans in Mississippi

If you want to see how all Medicare Supplement Insurance plans sold in Mississippi stack up, the chart below provides a complete comparison of what Plans A through N cover. Use this chart to get a full picture of your options in Mississippi and choose the plan that best fits your needs.

NOTE: If you did not quality for Medicare on or before January 1, 2020, Plan F and Plan C are not available to you.

How and When to Enroll in Medigap Plans in Mississippi

When it comes to enrolling in a Medigap plan in Mississippi, timing is crucial. Certain enrollment periods determine when you're eligible to sign up, and the timing of your enrollment can impact your coverage and costs. Below, we outline the key enrollment periods you need to know:

Medigap Enrollment Periods

• Initial Enrollment Period (IEP): This seven-month window begins three months before your 65th birthday, includes your birthday month, and extends three months after. During this time, you can sign up for any Medigap plan without worrying about pre-existing conditions. Learn more about the Initial Enrollment Period.
• Open Enrollment Period (OEP): Your six-month Medigap open enrollment period starts when you turn 65 and are enrolled in Medicare Part B. This period allows you to choose any Medigap plan without needing to go through medical underwriting. Find out more about the Medigap Open Enrollment Period or read key tips for navigating Medigap enrollment.
• Special Enrollment Period (SEP): Life changes, like losing employer coverage, might qualify you for a Special Enrollment Period, letting you enroll in a Medigap plan outside of the typical timeframes. Learn more about Special Enrollment Periods.

Steps to Enroll in a Medigap Plan

If you're ready to get Medicare Supplement coverage, here are the steps to get started:

1. Review Your Options: Take a look at the Medigap plans available in Mississippi and find the one that fits your healthcare needs and budget.
2. Check Enrollment Dates: Make sure you're within your Initial Enrollment Period, Open Enrollment Period, or eligible for a Special Enrollment Period.
3. Apply for Coverage: Reach out to your chosen insurance company or an authorized broker to apply for the Medigap plan you’ve selected.
4. Confirm Your Enrollment: Once your application is approved, double-check your enrollment and the details of your coverage.

For more details on Medigap enrollment, visit our Medigap Enrollment Guide.

Frequently Asked Questions About Medigap in Mississippi

What’s the difference between Medigap and Medicare Advantage?

Medigap supplements Original Medicare by covering out-of-pocket expenses, while Medicare Advantage plans replaces Original Medicare with an all-in-one plan from private insurers.

Is it possible to switch Medigap plans?

Yes, but switching plans may require medical underwriting unless you have guaranteed issue rights or qualify for a special enrollment period. Find out more about switching Medigap plans.

Do Medigap plans cover medications?

No, prescription drugs are not covered by Medigap. For prescription drug plan coverage, you’ll need to enroll in a Medicare Part D plan.

What out-of-pocket expenses should I expect with Medigap?

You’ll pay a monthly premium, and depending on the plan, you may also have deductibles, copayments, or coinsurance.

Citations & References

• Costs of Medigap policies, Medicare.gov, Last Accessed October 4, 2023
• What's Medicare Supplement Insurance (Medigap)?, Medicare.gov, Last Accessed October 4, 2023
• Find a Medigap policy that works for you, Medicare.gov, Last Accessed October 4, 2023
• How to compare Medigap policies, Medicare.gov, Last Accessed October 4, 2023
• How Original Medicare works, Medicare.gov, Last Accessed October 4, 2023
• Your Medicare coverage choices, Medicare.gov, Last Accessed October 4, 2023