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Find Affordable Medigap Plans in Mississippi

Best Medicare Supplement Plans in Mississippi 2021

Medicare Supplement plans in Mississippi are intended to enhance the Medicare benefits extended to all beneficiaries through the federal Medicare program. You must remain enrolled in Medicare Part A and Medicare Part B in order to maintain eligibility for a Medigap plan. By enrolling in a Medicare Supplement plan in Mississippi, you can eliminate many if not all of the out-of-pocket costs that come with Original Medicare.

What are the Top 5 Medicare Supplement Plans in Mississippi?

Selecting a Medigap plan in Mississippi is a personal journey. The best plan for you may not work for someone else. Our Policy Guides are available to help you compare policy limits and rates for all plans, ensuring you make a smart decision.

Start your journey by looking at this quick list of benefits for the leading plans. None of the plans include prescription drug coverage.

1. Best full coverage: Medicare Plan F

  • Plan F is the most comprehensive plan available in Mississippi today.
  • Eligibility is limited to beneficiaries with Medicare Part B effective dates prior to January 1, 2020.
  • Includes Medicare Part A deductible and Medicare Part B deductible.
  • Covers Part B coinsurance and excess payments plus copayments and foreign travel emergency coverage.

2. Best comprehensive coverage: Medicare Plan G

  • Plan G is the most comprehensive coverage for Medicare beneficiaries with effective dates on or after January 1, 2020.
  • Offers the same coverage as Medicare Plan F except for the Medicare Part B deductible. The Part A deductible is covered.

3. Best value: Medicare Plan N

  • Plan N offers lower monthly premiums for beneficiaries willing to pay some out-of-pocket costs.
  • Requires copayments of up to $20 for doctor visits and up to $50 for emergency room visits.
  • Covers the deductible for Medicare Part A but not the excess charges or deductible for Part B.

4. Best deductible plan: High-Deductible F

  • Offers the same coverage as Medicare Plan F but with a higher annual deductible.
  • Beneficiaries must pay the deductible before accessing any benefits.
  • Significantly lower premiums for those able to meet the deductible.
  • In 2021, the deductible is $2,370. The plan will cover 100% of the costs after the deductible is met.

5. Best for lowest rates: High-Deductible Plan G

  • Offers the same benefits as Medicare Plan G but with a higher annual deductible.
  • Significantly lower premiums for those able to meet the deductible each year.
  • Beneficiaries must pay the deductible before accessing the benefits.
  • In 2021, the deductible is $2,370. The plan will cover 100% of the costs after the deductible is met.

What is the Best Supplemental Insurance to go with Medicare?

You should select the Medicare Supplement insurance plan in Mississippi that simplifies your coverage and meets your health care needs plus your budget. The following information should help you compare the leading plans and make an educated decision.

What is the most popular Medicare Supplement plan in Mississippi for 2021?

Medicare Plan G is the most popular Medigap plan in Mississippi and most other states for 2021. Medicare Plan F has long been a nationwide favorite but is no longer open to new beneficiaries signing up for Medicare benefits after January 1, 2020.

Which plan has the best benefits in Mississippi?

Medicare Plans F and G offer the most comprehensive Medicare coverage. Plan F is the only option that covers the deductibles for both Medicare Part A and B.

How do I choose the best plan?

Answer about the following questions when selecting between your Medigap plan options:

  • Is it more important for you to minimize your monthly premium or eliminate as many out-of-pocket expenses as possible?
  • What is your maximum budget for the premium?
  • How often do you visit the doctor?
  • Do you often visit the emergency room?
  • Do you travel out of the country?

Our Policy Guides are available to help you compare the leading Medigap plans in Mississippi. We can also help you secure affordable prescription drug coverage.

Which Medigap company offers the best rates in Mississippi?

All private health insurance companies set different rates for various zip codes. The Medicare insurance company offering the cheapest policies in your zip code may be one of the most expensive options in another location. That’s why it’s important to compare rates online or consult with one of our Policy Guides to obtain accurate quotes.

Common Mississippi Medicare Supplement Plan Questions

What Companies Sell Medigap Plans in Mississippi?

There are many private insurance companies authorized to sell Medigap policies in Mississippi. We highly recommend the following three based on their financial stability and history of providing competitive pricing and excellent customer service.

  • Aetna
  • Cigna
  • Mutual of Omaha

When Can I Apply for a "State" Medicare Supplement Plan?

You can apply for a Medicare Supplement insurance plan in Mississippi at any time if you don’t mind going through medical underwriting. If you don’t want the insurance company to base your eligibility and rate on your pre-existing conditions or current health condition, you should apply during your six-month Medigap Open Enrollment Period.

The enrollment period starts the first day of the month that you sign up for Original Medicare and are at least 65 years old. You will enjoy the following guaranteed issue rights during that period:

  • The Medicare insurance company is required to accept all Medicare beneficiaries into the plan of their choice.
  • The insurance company cannot cancel the policy unless a beneficiary stops paying their premiums.
  • The insurance company must give all beneficiaries the same rates without considering their medical history.

You may qualify for a special enrollment period at a later date, but most beneficiaries will receive the lowest rates during the initial enrollment period.

Which is better, Medigap Plan G or Plan N?

Both plans offer solid coverage at affordable rates through most Mississippi insurers. Plan G offers the most comprehensive coverage while Plan N offers lower premiums with small copays.

What is Medicare Supplement Insurance?

When your gain eligibility for benefits from Medicare, you have three options:

  • Sign up for basic benefits from Original Medicare only. You will have to pay out-of-pocket costs, including copayments, coinsurance, and deductibles.
  • Sign up for a Medicare Advantage plan, which replaces your Original Medicare benefits and may include prescription drug coverage.
  • Enroll in Original Medicare and a Medicare Supplement insurance plan. You will maintain basic Medicare coverage, but your supplemental plan will cover some or all of the out-of-pocket expenses. You will need a Medicare Part D plan for prescription drug coverage.

There are 10 Medigap plans in Mississippi plus two high-deductible plan options. You will pay a monthly premium in exchange for added coverage of coinsurance, copayments, deductibles, and excess charges. Your supplemental insurance policy may also offer foreign travel emergency coverage.

Is Plan G the Best Medigap Plan in Mississippi?

How Much Does Plan G Cost?

The cost of Medicare Supplement insurance plans varies by zip code. Beneficiaries must also pay for a separate Medicare Part D plan. Consider the following average Plan G rates for a female nonsmoker in 2021. Working with a licensed insurance agent or one of our Policy Guides will help you generate quotes based on your own location.

  • Zip code 38652 – $110 per month
  • Zip code 38676 – $110 per month

What is the Plan G Deductible in 2021?

Medigap Plan G doesn’t have a deductible. While Plan G covers Part B excess charges and many other medical expenses, the plan limits exclude the deductible for Part B. That deductible is $203 in 2021.

What does Medigap Plan G Cover in Mississippi?

Related Topics

Ready to learn more?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as Aetna, Cigna and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Mississippi Medicare Resources

Mississippi Enrollment Statistics

Mississippi’s population is nearing 3 million. The five most populated counties are:

  • Hinds
  • Harrison
  • DeSoto
  • Rankin
  • Jackson

Here are some Medicare facts involving Mississippi residents:

  • About 15 percent of residents are age 65 or over.
  • Roughly 21 percent of residents had Medicare in 2018.
  • Of those who had Medicare coverage in 2018, more than 489,212 (81 percent) had Original Medicare insurance.
Key Take Aways
  • There are 10 Medicare Supplement Plans in Mississippi to choose from.
  • In Mississippi, Medicare Supplement Plan G is the most popular plan.
  • Medigap Plans do not use a network, go wherever Original Medicare is excepted.
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