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Mississippi

Best Mississippi Medigap Medicare Supplement Plans

Table of Contents

What Are Medigap Plans? Medigap Plans in Mississippi Do You Need Medigap in Mississippi? What Do Medigap Plans Cover? What Are the Most Popular Plans? How Much Do Policies Cost? How Do You Choose a Plan? Who is Eligible? When and How Do You Enroll? How Do I Get Prescription Drugs? What Are the Alternatives? What if I have Medicaid? Next Steps

What Is Medicare Supplemental Insurance?

Medicare supplemental insurance can help you pay some out-of-pocket costs in Medicare Part A and Medicare Part B (Original Medicare). In this article, we'll explore how much Medicare Supplement plans in Mississippi cost, the cost gaps each plan fills, which plans are available, when and how to enroll without underwriting, and how you can get premiums and discounts on all Medicare plans in your zip code.

What You Need to Know

  1. Medigap plans in Mississippi are offered by private insurance companies and are designed to help cover some of the out-of-pocket costs not covered by Original Medicare.
  2. Medigap Plans are standardized. Each plan letter offers the same core benefits regardless of the insurer.
  3. Medigap coverage is available to Mississippi residents at age 65 and over who have enrolled in both Medicare Part A and Part B.
  4. All standard plans offer coverage for Medicare Part A coinsurance and hospital costs, Medicare Part B coinsurance or copayments, and the first three pints of blood.
  5. All but two Medigap plans cover the Medicare Part A deductible and Skilled Nursing Facility coinsurance.
  6. Medigap insurance does not cover long-term care, vision, dental, hearing aids, or private-duty nursing.
  7. Medigap policies are available in 10 different plan options, labeled A through N.
  8. Medicare SELECT plans require enrollees to use a local Mississippi provider network.
  9. Some insurers offer a household discount when both you and your spouse have a policy.

Get a Free Medicare Supplement Rate Comparison

Medigap Plans in Mississippi

Insurance Company Plan F Plan G Plan N Rating
AARP $129.27 $106.26 $97.12
☆☆☆☆☆
Aetna $130.53 $97.13 $87.13
☆☆☆☆☆
American Republic $170.98 N/A N/A
☆☆☆☆☆
American Retirement Life $145.22 $120.07 $90.50
☆☆☆☆☆
Americo Life $122.63 $101.51 $83.45
☆☆☆☆☆
Assured Life $164.71 $123.25 $91.59
☆☆☆☆☆
Bankers Fidelity Assurance $113.68 $95.21 N/A
☆☆☆☆☆
Blue Cross & Blue Shield of Mississippi $135.80 $123.10 N/A
☆☆☆☆☆
Catholic Life $122.27 $91.89 $78.05
☆☆☆☆☆
Central States $143.50 $113.00 $91.33
☆☆☆☆☆
Cigna $118.06 $98.57 $82.44
☆☆☆☆☆
Combined Insurance $132.93 $104.78 $112.49
☆☆☆☆☆
CSI Life $155.75 $112.83 $90.33
☆☆☆☆☆
Everest $119.43 $92.38 $79.35
☆☆☆☆☆
Gerber Life $209.26 $144.74 N/A
☆☆☆☆☆
Globe Life $140.00 $124.50 $105.00
☆☆☆☆☆
GPM Health and Life $125.28 $94.23 $85.36
☆☆☆☆☆
Guarantee Trust Life $119.67 $99.05 $81.38
☆☆☆☆☆
Humana $137.44 $111.83 $93.45
☆☆☆☆☆
IAC $140.53 $95.20 $82.96
☆☆☆☆☆
Liberty Bankers Life $122.24 $97.07 $82.91
☆☆☆☆☆
MassMutual $122.36 $97.93 $84.52
☆☆☆☆☆
Medico $158.09 N/A $105.48
☆☆☆☆☆
Mutual of Omaha $140.54 $113.09 $93.25
☆☆☆☆☆
National Guardian Life $125.10 $95.09 $83.43
☆☆☆☆☆
New Era Life $118.29 $93.22 N/A
☆☆☆☆☆
Pan-American Life $124.39 $99.18 $83.96
☆☆☆☆☆
Pekin Insurance $124.62 $93.45 $76.90
☆☆☆☆☆
Puritan Life $123.26 $96.31 $80.15
☆☆☆☆☆
Renaissance Life $124.43 $101.72 $85.67
☆☆☆☆☆
SBLI USA Life $121.01 $98.03 N/A
☆☆☆☆☆
Sentinel Security Life $124.36 $99.15 $83.94
☆☆☆☆☆
Shenandoah Life $128.26 $95.13 $87.34
☆☆☆☆☆
Standard Life $333.06 $245.91 $160.63
☆☆☆☆☆
State Farm $159.12 N/A N/A
☆☆☆☆☆
Thrivent $123.92 $97.86 $82.66
☆☆☆☆☆
Unified Life $120.01 $95.70 $80.41
☆☆☆☆☆
United American $189.00 $166.00 $133.00
☆☆☆☆☆
United Commercial Travelers $267.04 $218.45 $183.50
☆☆☆☆☆
Universal Fidelity Life $157.31 $131.35 $104.69
☆☆☆☆☆
USAA Life $140.08 N/A $100.98
☆☆☆☆☆
Western United Life $123.83 $93.67 $81.58
☆☆☆☆☆

Do You Need a Supplement in Mississippi?

The way Original Medicare (Part A and Part B) is designed, it pays about 80% of medically necessary healthcare costs. That leaves the remaining 20% for the Medicare beneficiary to pay through deductibles, coinsurance, and copays. Without additional coverage, these out-of-pocket costs can add up quickly.

Most Medicare-approved health services have a deductible and/or a copayment or coinsurance. If you need hospital inpatient care, out-of-pocket expenses are considerable, creating bills most Mississippi seniors simply can't afford.

For instance, the Medicare Part A deductible is $1,600 per benefit period. Plus, you are responsible for 20% of all Part B medical costs.

That's where supplemental Medicare coverage in Mississippi comes in. Supplemental insurance, or Medigap, helps you with these Medicare coverage expenses. It's called Medigap because it fills many of the cost gaps in Original Medicare.

Also See: Is Supplemental Medicare Insurance a Waste of Money?

Is a Medicare Supplement Right for You?

Yes, if you:

  1. Expect the need for frequent healthcare services now and/or in the future and want to limit your deductibles and co-pays.
  2. Can afford the monthly premiums of Medicare Supplement insurance and don't qualify for Medicaid.
  3. Want the freedom to choose your doctors and other Medicare providers without network restrictions.
  4. Need nationwide coverage and/or travel abroad and need coverage for emergency care.
  5. Are in your initial enrollment period and have guaranteed issue rights to join a plan regardless of your health condition.
  6. Don’t want a Medicare Advantage plan and the hassle of referrals and pre-authorization to receive services.

No, if you:

  1. Don’t expect the need for frequent healthcare now or in the future.
  2. Missed your Medigap open enrollment period and can't pass medical underwriting to get the Medigap policy you want.
  3. Want a Medicare Advantage plan with low or no monthly premiums.
  4. Have Medicaid, VA, retiree benefits, or other coverage options that will pay for most of your Medicare out-of-pocket expenses.
  5. Prefer an all-in-one HMO or PPO plan that includes a Part D prescription drug plan, SilverSneakers, and routine care for dental, vision, and hearing.
  6. Can adhere to the rules and restrictions of a Medicare Advantage.

Get a Free Medicare Supplement Rate Comparison

What Does Supplemental Medicare Insurance Cover?

Every Medigap insurance company in Mississippi is required to follow both federal and state insurance laws. Carriers must offer the standardized Medicare plans identified by letters A through N.

For instance, a Plan F from Aetna Medicare has the same coverage and benefits as a Plan F from Mutual of Omaha, AARP Medicare, United Healthcare, Humana, Cigna, or Blue Cross Blue Shield. This is why Medigap plans are easier to compare than Medicare Advantage plans.

Medigap policies may include the following benefits:

  • Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are used up
  • Part A inpatient deductible
  • Part A hospice care coinsurance or copayment
  • Skilled nursing facility care and hospice care coinsurance
  • Part B deductible
  • Part B coinsurance or copayment
  • Part B excess charges
  • The first three pints of blood
  • Foreign travel emergency services
  • Out-of-pocket limits

The plan comparison chart below is the best way to compare Medicare Supplement coverage options.

Medicare Supplement Plans Comparison Chart for 2023

There are two high-deductible plan types, Plan F and G. If you enroll in a high-deductible plan, you pay all Part A and Part B out-of-pocket costs up to the annual deductible amount.

Related: How High Deductible Plan G Works

Insurance carriers are free to choose their plans, although Mississippi state laws might affect which ones they can offer. For more information, visit the Mississippi Department of Insurance website at http://www.mid.ms.gov/.

Most Popular Medigap Plans in Mississippi

The three most popular Medicare supplemental insurance plans in Mississippi are Medigap Plan F, Medigap Plan G, and Medigap Plan N, the latest plan option. Their comprehensive coverage is what makes them so popular.

Getting one of the top 3 Medicare Supplement plans in Mississippi is the best way to cover these out-of-pocket expenses. A Medigap policy is additional coverage from a private insurance company that will reduce or eliminate your Medicare Part A (hospital coverage) and Medicare Part B (medical coverage) expenses.

Plan F has the most complete coverage. It covers all deductibles, copays, and coinsurance. It is not available to anyone who qualified for Medicare on or after January 1, 2020.

Plan G covers all deductibles, copays, and coinsurance except the Part B deductible. It has the best coverage you can get if you qualify for Medicare this year. If you're evaluating Medicare Plan G pros and cons vs. Plan F, consider that G costs less F, even when you factor in the Part B deductible Plan G does not cover.

Plan N does not cover the Part B deductible or Medicare excess charges. Plus, beneficiaries have a small copayment on some doctor visits and emergency room visits that don’t result in inpatient admission.

  • 10 Best Mississippi Medigap Plan F
  • 10 Best Mississippi Medigap Plan G
  • 10 Best Mississippi Medigap Plan N

Also See: Medicare Plan N vs Plan G: Which Supplement is Best for You?

Looking for a different plan? Ask us for free quotes on the best Medicare Supplement Plans in your location.

Get a Free Medicare Supplement Rate Comparison

Top 10 Plan F in Mississippi

Medicare Supplement Plan F is the most popular Medigap plan available in Mississippi. Here are the 10 best Plan F policies available in Mississippi based on our reviews (click for details):

Top 10 Medigap Plan F in Mississippi

CarrierPremium[3]FeeReview[4]
Cigna$118.06None☆☆☆☆☆
MassMutual$122.36None☆☆☆☆☆
Thrivent$123.92$6.00☆☆☆☆☆
AARP$129.27None☆☆☆☆☆
Globe Life$140.00None☆☆☆☆☆
Mutual of Omaha$140.54None☆☆☆☆☆
United American$189.00None☆☆☆☆☆
Standard Life$333.06None☆☆☆☆☆
Bankers Fidelity Assurance$113.68$6.00☆☆☆☆☆
New Era Life$118.29$6.00☆☆☆☆☆

Top 10 Plan G in Mississippi

Medicare Supplement Plan G is rapidly gaining popularity with Mississippi seniors. With Plan F no longer available to new Medicare beneficiaries, Plan G is the new gold standard. Here are the 10 best Medigap Plan G policies available in Mississippi based on our reviews (click for details):

Top 10 Medigap Plan G in Mississippi

CarrierPremium[3]FeeReview[4]
Thrivent$97.86$6.00☆☆☆☆☆
MassMutual$97.93None☆☆☆☆☆
Cigna$98.57None☆☆☆☆☆
AARP$106.26None☆☆☆☆☆
Mutual of Omaha$113.09None☆☆☆☆☆
Globe Life$124.50None☆☆☆☆☆
United American$166.00None☆☆☆☆☆
Standard Life$245.91None☆☆☆☆☆
Everest$92.38$6.00☆☆☆☆☆
New Era Life$93.22$6.00☆☆☆☆☆
NOTE: Medigap Plan G is identical to Plan F, with one exception. A Plan G policy does not pay your Medicare Part B annual deductible. In many cases the annual cost of Plan G makes it a better deal.

Top 10 Plan N in Mississippi

Medicare Supplement Plan N is similar to Plan D, but covers Medicare Part B coinsurance costs differently. Due to its lower cost and good coverage, it's catching the attention of many Mississippi seniors. Here are the 10 best Medigap Plan N policies available in Mississippi based on our reviews (click for details):

Top 10 Medigap Plan N in Mississippi

CarrierPremium[3]FeeReview[4]
Cigna$82.44None☆☆☆☆☆
Thrivent$82.66$6.00☆☆☆☆☆
MassMutual$84.52None☆☆☆☆☆
Mutual of Omaha$93.25None☆☆☆☆☆
AARP$97.12None☆☆☆☆☆
Globe Life$105.00None☆☆☆☆☆
United American$133.00None☆☆☆☆☆
Standard Life$160.63None☆☆☆☆☆
Pekin Insurance$76.90$6.00☆☆☆☆☆
Everest$79.35$6.00☆☆☆☆☆
NOTE: With Medigap Plan N, 100% of your Part B coinsurance is covered, except up to a $20 copayment for office visits and up to $50 for emergency room visits.

Cost of Supplemental Insurance in Mississippi

The official Medicare website has a Medicare Supplement plan finder tool that shows you the cost of supplemental Medicare insurance in Mississippi. But it's just a range. What the tool does not give you is the exact premium, rate increase history, rating scores, and household discounts.

Our FREE Medicare Supplement Plan Rate Quote Service is the best way to get the exact monthly premium for all carriers, household discounts, AM Best ratings, Medicare Supplement rate increase history, and more.

The next step is to get a FREE Medigap Rate Comparison Report. It will arm you with all of the information you need to make an informed decision.

Get Your Free Medicare Supplement Rate Comparison

MedicareWire is a Medicare consulting agency. We are not insurance agents. Our job is to help people navigate Medicare without marketing interference.

Our free report will show you rates from all carriers without a sales pitch. No Calls. No Email Spam. No Kidding!

If you would prefer to speak with an agent, our preferred, nationwide agency is HealthCompare, an Allstate company. Give them a call at 1-855-728-0510 (TTY 711).

How to Choose the Best Medigap Plan

Everyone on Medicare has different needs. Your age, gender, Mississippi zip code, use of medical services, providers, emergency care, supplies, and durable medical equipment are all factors you need to consider. That's because all of these things play a role in your plan options.

When "Best" Means "Most Coverage Available"

If you are signing up for Medicare with chronic health issues, or if you have done a good job saving for your retirement, most experts agree that Plan G is the best option in Mississippi. It offers the most coverage you can buy if you're getting your Medicare benefits in 2023.

When "Best" Means "Good Coverage and Monthly Savings"

If you are signing up for Medicare in excellent health, or if you need good coverage but can't handle the cost of Plan G, Plan N is a good option. Plan N offers comprehensive inpatient coverage for hospital stays, while also covering most medical care expenses.

When "Best" Means "Lowest Cost Coverage"

Not everyone in Mississippi can afford or needs the comprehensive coverage provided by Plans F, G, and N. When the amount of your monthly premium is a concern, ask your insurance agent to give you advice about Plan K and High Deductible Plan G (HDG). These are the two lowest-cost plans available.

Medicare Supplement Eligibility Requirements

You can apply for supplemental Medicare insurance in Mississippi during your Medigap Open Enrollment Period (OEP). Your OEP is a six-month window of time that begins at age 65 when you enroll in Medicare Part B.

Federal law guarantees your right to buy insurance during your OEP. This Medigap protection will allow you to choose the Medicare Supplement plan that best suits your needs, regardless of your health history or chronic health conditions.

After your Medigap open enrollment period has ended, it is harder to get a Medicare Supplement policy. It's one of the few disadvantages of Medicare Supplement plans.

Insurance companies can ask questions about your health, charge you higher premiums, reject your application, or refuse to cover you due to your medical history. They can also make you accept a waiting period of six months before coverage starts.

NOTE: Unless you have Social Security Disability Insurance benefits, the earliest age to get Medicare is age 65.

Mississippi Enrollment Process for Medicare Supplements

Mississippi Medigap plan enrollees require the assistance of a licensed insurance agent. Before you can apply, you need to be enrolled in both Medicare Part A and Part B. You can do this through the Social Security Administration website, or by calling them directly at 800-772-1213.

If you don't have an insurance agent, we recommend HealthCompare, an Allstate company. Call them at 1-855-728-0510 (TTY 711). They work with all major Mississippi plans. There's no obligation.

Another option is your local SHIP. The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries. Mississippi's SHIP is available by phone (1-800-948-3090) or through their website.

Adding a Medicare Prescription Drug Plan

In the past, Medicare Supplements sold in Mississippi were allowed to add extra benefits, including prescription drug coverage. This is no longer the case.

The only way to get coverage on prescriptions with a Medigap policy now is to get a Mississippi Medicare Part D plan. In most areas of Mississippi, basic prescription drug plans start at less than $20 per month.

Mississippi Medicare Supplements vs. Medicare Advantage

It's natural to compare the best Medigap insurance with other health insurance plans, like Medicare Advantage. On the surface, Medicare Advantage plans appear to cost less. And, in some cases, they do save money. However, the out-of-pocket expenses in most Mississippi Medicare Advantage plans are as much or more than Original Medicare.

Original Medicare does not have an out-of-pocket maximum. However, all health insurance companies offering Medicare Advantage plans are required to set an annual out-of-pocket limit, up to the annual limit set by CMS. A Medigap plan's coverage creates an out-of-pocket limit for Original Medicare.

Can I Get a Policy If I'm On Medicaid in Mississippi?

It is not legal for a health insurance company or insurance agents licensed in Mississippi to sell individuals a Medigap policy if you have Medicaid benefits.

If you can't afford a Medigap plan or the co-insurance costs in Medicare Advantage policies, there is a third option. Many areas of Mississippi have access to dual-eligible Medicare Special Needs Plans (D-SNP). If you qualify for both Medicare and Medicaid, a Mississippi Special Needs Plan plan might be your best option.

What About Dental, Vision, and Hearing Benefits?

We all need routine dental care and dental restoration work as we age, but it's not covered by Original Medicare or a Medigap plan. For coverage, you'll need a stand-alone Mississippi dental insurance policy.

Next Steps

The next step is to get a FREE Medigap Rate Comparison Report. It will arm you with all of the information you need to make an informed decision.

Get Your Free Medicare Supplement Rate Comparison

MedicareWire is a Medicare consulting agency. We are not insurance agents. Our job is to help people navigate Medicare without marketing interference.

Our free report will show you rates from all carriers without a sales pitch. No Calls. No Email Spam. No Kidding!

If you would prefer to speak with an agent, our preferred, nationwide agency is HealthCompare, an Allstate company. Give them a call at 1-855-728-0510 (TTY 711).

Frequently Asked Questions (FAQs)

How much is Medigap Plan G in Mississippi?

It's different for everyone who applies. Monthly premiums on Mississippi Medigap plans are based on your age, gender, zip code, tobacco use, and more. Use our Free Medigap Quote Service to find the lowest price Plan G and discounts in your area.

Who's got the best Medicare Supplement in Mississippi?

You have many options in Mississippi. Here are some of the best:

  1. Thrivent
  2. MassMutual
  3. Cigna
  4. AARP
  5. Mutual of Omaha
See the complete list here.

Citations & References

medicare.gov
  • Costs of Medigap policies, Medicare.gov, Last Accessed February 2, 2023
  • What's Medicare Supplement Insurance (Medigap)?, Medicare.gov, Last Accessed February 2, 2023
  • Find a Medigap policy that works for you, Medicare.gov, Last Accessed February 3, 2023
  • How to compare Medigap policies, Medicare.gov, Last Accessed February 3, 2023
  • How Original Medicare works, Medicare.gov, Last Accessed February 3, 2023
  • Your Medicare coverage choices, Medicare.gov, Last Accessed February 5, 2023
ssa.gov
  • The United States Social Security Administration https://www.ssa.gov/
  • Medicare Benefits | SSA https://www.ssa.gov/benefits/medicare/

The Medicare insurance plans and Medicare Supplement companies on this page originate from CMS Data Files. Content is maintained by David Bynon, and was last updated on February 5, 2023.

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Get a FREE Medigap Rate Analysis... and Save!


We'll save you money with a FREE Medicare Supplement insurance rate analysis!

The only way to know if you are getting the best deal on your Medicare Supplement insurance is to see all rates from all insurance carriers. That's what we'll send you when you fill out the form below. We won't spam you, call you, or sell your information. That's a promise!

Complete this form and we'll email your free report in 1 business day or less.

  • This field is for validation purposes and should be left unchanged.