Medicare Supplement Insurance Plans in Mississippi

Medicare Supplement Plans Mississippi

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Comparing Medicare Supplement Insurance Plans in Mississippi

Medicare Supplement Plans in Mississippi

Medicare Supplement Plans Mississippi, there are several choices, but what is the best Medicare Supplement Plan in Mississippi?  The answer to that question is “It depends”.  I know that is not exactly what you are looking for but please keep reading for a full explanation or call us anytime at 844-528-8688 for a personal consultation on what Medicare Supplement Plan in Mississippi fits you the best.

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No matter where you live in Mississippi when you enter Medicare, you need Medicare supplemental coverage that fits your lifestyle and budget. Medicare Supplement Plans in Mississippi are readily available without any clinical underwriting throughout your open enrollment period.  See our Medicare Supplement Guide for information on entering into Medicare.

Medicare Supplements Under Age 65 in Mississippi

Statistics show that there are over 610,000 residents of Mississippi enrolled in Medicare Part A and Part B.

Because of the way Medicare is designed, all of these residents will have to deal with out-of-pocket expenses resulting from deductibles, coinsurance, and copayments required in Original Medicare.

Fortunately, these 610,000 residents can mitigate most of these out-of-pocket expenses by enrolling in a Medicare supplement Plan.

For individuals who are disabled and under age 65, Mississippi will allow them to purchase a Medicare Supplement plan during their open enrollment period (the 6 month period following the date you became eligible for Medicare), with the same guaranteed issue rights that seniors age 65 and older have.

Moreover, private insurers that sell Medicare Supplement plans in Mississippi, must offer disabled individuals under age 65 or those with end-stage renal disease at least one Medicare Supplement plan.

Additionally, applicants under age 65 will have another open enrollment period when they turn age 65.

First Things First, You Need Medicare

To be eligible for Medicare Supplement Plans in Mississippi, you need to have Medicare Parts A and B.

Medicare Part A Hospital Insurance

Medicare Part A Hospital Insurance

This part of Medicare helps pay for care in a hospital, skilled nursing facility, some home health care, and hospice care.

Part A is $0 for most people

Has a “Per Period” Deductible

$1,600.00 in 2023

Medicare Part B

Medicare Part B Medical Insurance

This part of Medicare, helps pay for doctor bills, outpatient hospital care and other medical services not covered by Part A.

Part B is $164.90 per month for most 

Has an annual deductible

 $226.00 in 2023

Enrolling in Medicare in Mississippi

There are two different scenarios when it comes to your Medicare Enrollment, to find out what you need to do to enroll in Medicare, see below to find which fits your situation.


If You Are Currently ReceivingSocial Security

If you are currently receiving Social Security Payments, you will receive your Medicare card in the mail, approximately 90 days prior to your 65th birthday.


If You Are NOT Currently Receiving Social Security

If you are not receiving Social Security Payments you will need to Enroll into Medicare with the Social Security Dept.  You can call 1-800-772-1213, Online at, or visit your local Social Security Office.

Finding Your Mississippi Medicare Supplement Plan

Now that you have a clear understanding of the Medicare enrollment process, it is crucial to identify the most suitable Mississippi Medicare plans for your needs. While the rates offered by Medicare Supplement Plans in Mississippi hold significant importance, it is equally essential to consider the reputation of the company and its history of rate increases. Opting for the plan with the lowest monthly premium may initially seem like the most cost-effective choice, but it could potentially become an expensive decision in the long run.

Medicare Supplement Companies enter a particular area by offering exceptionally low introductory prices, essentially enticing new customers. However, once they have established a customer base, they tend to raise the rates substantially to compensate for their initial losses. This practice is just one of the reasons why our team at Medicare Solutions offers a diverse selection of over twenty Medicare Supplement Plans providers in Mississippi.

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Medicare Supplement Plans, sometimes called Medigap Plans are set and standardized by CMS (Medicare).  They offer 10 plans but the three most popular are Plan F, Plan G, and Plan N.

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Mississippi Medicare Supplement Plan F

The Plan F Medicare Supplement Plan Mississippi, simply put, covers everything.  On the face that seems like a great idea, but there are a few reasons why.

  1. It is the most expensive Plan on the Market
  2. It has the highest rate increases of all the Medicare Supplement Plans
  3. The Medicare Supplement Plan F will no longer be available to new enrollment as of 2020.

**The Medicare Supplement Plan F High deductible plan will not be changed in 2020.

Mississippi Medicare Supplement Plan G

The most cost-effective Medicare Supplement Plan in Mississippi, offering comprehensive coverage, is Medigap Plan G. It provides the same benefits as Plan F, with the only difference being that you will need to cover the Part B deductible. Currently, the Part B deductible is set at $183.00 per year by Medicare, although this amount is subject to change.

Compared to Plan F, the premium for Mississippi Medicare Supplement Plan G is typically $300.00 to $400.00 less per year. Moreover, Plan G has a history of lower rate increases over time.

Once you have paid the Part B deductible ($226.00 for 2023), your benefits will be identical to those provided by Medicare Supplement Plan F. It doesn’t make much sense to pay an additional $300.00 to $400.00 per year to an insurance company just to cover a $226..00 deductible.

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Mississippi Medicare Supplement Plan N

Medicare Supplement Plan N is a highly affordable option among the available Medicare Supplement Plans. However, it does come with a slightly higher level of risk and out-of-pocket expenses. With Medigap Plan N, you will have a copayment of $20.00 for doctor visits and $50.00 for emergency room visits.

While copayments are familiar to most people and do involve additional costs when visiting a doctor, there is another important aspect of Plan N that requires your attention.

It’s crucial to note that Plan N does not provide coverage for Medicare Part B excess charges. This particular aspect may vary in significance depending on the situation. When a doctor accepts Medicare but is not directly assigned by Medicare, they are legally allowed to charge you up to 15% more than the approved Medicare amount. In such cases, you would be responsible for covering this additional cost out of pocket.

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Although there are currently 10 standardized Medicare Supplement (Medigap) Plans available in Mississippi, the top 5 Medicare Supplement plans are:

  1. Medicare Supplement Plan G: Plan G is highly regarded for its comprehensive coverage, offering benefits similar to Plan F except for the Part B deductible. It provides extensive coverage for medical expenses and is known for its stability and lower rate increases.
  2. Medicare Supplement Plan F: Plan F has long been a popular choice due to its comprehensive coverage, covering all Medicare-approved out-of-pocket costs. However, it is no longer available to new Medicare beneficiaries as of 2020.
  3. Medicare Supplement Plan N: Plan N offers a balance between coverage and cost. While it includes copayments for doctor visits and emergency room visits, it still provides robust coverage for other medical services. It is considered a cost-effective option for those willing to pay some out-of-pocket expenses.
  4. Medicare Supplement Plan C: Plan C is similar to Plan F in terms of coverage, except it does not cover the Part B excess charges. It is no longer available to new Medicare beneficiaries who became eligible after January 1, 2020, but those who enrolled before that date can still keep their Plan C coverage.
  5. Medicare Supplement Plan D: Plan D is often chosen for its comprehensive coverage, covering most Medicare-approved out-of-pocket costs. It provides an attractive alternative for beneficiaries looking for substantial coverage but at a potentially lower premium compared to Plan G or Plan F.

It is essential to review and compare the specific benefits, premiums, and rate increase history of each plan to determine the most suitable option based on individual circumstances. Consulting with a licensed insurance agent or Medicare advisor can also provide personalized guidance in choosing the right Medicare Supplement plan in Mississippi.

Medicare Assignment

Medicare Assignment means that your doctor, provider, or supplier agrees (or is required by law) to accept the Medicare-approved amount as full payment for covered services.

Now the excess charges could end up not being a problem at all, in fact, there are some states that do not allow the excess charges, sadly Mississippi is not one of them.  As of the last report, approximately 93% of doctors across the United States accept Medicare Assignment and if you do your due diligence when looking for a doctor or having a procedure done, it should not be a problem.

What about Medicare Advantage Plans in Mississippi?

Medicare Advantage plans in Mississippi offer an alternative approach to receiving Medicare benefits. These plans, also known as Medicare Part C, are provided by private insurance companies approved by Medicare. Medicare Advantage plans in Mississippi combine the coverage of Medicare Part A (hospital insurance) and Medicare Part B (medical insurance) into a single plan.

Additionally, many Medicare Advantage plans also offer additional benefits such as prescription drug coverage, dental care, vision care, and fitness programs. These plans typically require individuals to use a network of doctors and healthcare providers, which can help manage costs and ensure coordinated care. Medicare Advantage plans in Mississippi provide an all-in-one solution that can be appealing to those looking for comprehensive coverage and additional benefits beyond what Original Medicare offers.

For complete details on Medicare Supplement Plans Mississippi, you can reach us by email on our contact us page or by calling 844-528-8688.  Remember there is never a fee for our services.

Frequently Asked Questions

What is Medicare Assignment?

Medicare Assignment means that your doctor, provider, or supplier agrees (or is required by law) to accept the Medicare-approved amount as full payment for covered services.

Does Mississippi offer Medicare Supplement plan F?

Mississippi Medicare Plan F is still available to anyone who became eligible for Original Medicare prior to January 1, 2020.

What is the least expensive Mississippi Medicare Supplement plan?

Medicare Supplement (Medigap) plan A is the least expensive in terms of monthly premiums however, Plan A may leave you paying substantial out-of-pocket expenses because it offers only basic benefits.

Are the Mississippi Medicare plans standardized?

Yes, all of the 10 plans available in Mississippis are standardized. For example, Plan N benefits are the same for every company that offers Plan N. The difference amounts to the pricing and any optional benefits each company might offer.

What is the average cost of Medicare supplement?

For the year 2023, the average monthly cost of a Medicare Supplement plan is estimated to be $139. It’s important to note that these rates can differ significantly, ranging from approximately $50 to over $400 per month, depending on various factors such as the specific plan, location, and individual circumstances.

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Talk to one of our licensed Medicare supplement agents about the options available to you in your area.  


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