Thousands of residents enroll in Biloxi, Mississippi, Medicare or a Supplemental Medicare plan each year. Supplemental Medicare plan enrollees receive additional coverage on medical expenses that Original Medicare doesn’t cover.
However, with so many Biloxi, Mississippi, Supplemental Medicare plans available, deciding which plan best suits your needs can be challenging.
Biloxi, Mississippi Supplemental Medicare plans
Although Original Medicare in Mississippi provides coverage for hospital stays and doctor visits, beneficiaries are still responsible for a portion of their healthcare expenses. You can enroll in Supplemental Medicare plans to offset these costs, which often come with additional benefits.
Below, we will review the different types of Supplemental Medicare plans available with rates based on a 65-year-old female beneficiary.
Average Medicare Advantage plans in Biloxi, Mississippi
Currently, Biloxi offers 29 different Mississippi Medicare Advantage plans to eligible residents.
Cigna is a four-star Medicare Advantage plan provider that offers an HMO (Health Maintenance Organization) plan with a zero-dollar premium and a $6,500 MOOP (Maximum Out-of-Pocket).
Aetna is another carrier that provides a four-star Local PPO (Preferred Provider Organization) plan without a monthly premium and has a $7,550 MOOP.
Humana offers a regional PPO Medicare Advantage plan with a zero-dollar premium and a $7,550 MOOP. It also has a four-star rating.
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Cigna | $0 | $6,500 | HMO | 4 |
| Wellcare | $0 | $7,550 | HMO | 3 |
| Humana | $0 | $7,550 | REGIONAL PPO | 4 |
| Aetna | $0 | $7,550 | LOCAL PPO | 4 |
| UnitedHealthcare | $0 | $6,700 | LOCAL PPO | 4 |
Cheapest Medicare Supplement plans in Biloxi, Mississippi
The federal government standardizes all Medigap plans nationwide, preventing the benefits from changing from state to state or carrier to carrier. However, the premiums often differ depending on the carrier and plan type.
Medigap Plan G is one of the most popular plan types in Biloxi, MS, since it doesn’t require beneficiaries to pay a Part B deductible. Its premiums cost between $102.95 to $361.44.
Medigap Plan N is another renowned supplement plan due to its extensive coverage and affordable premiums. Its monthly premiums range from $76.02 to $303.86.
Medigap Plan F offers the same coverage as Medigap Plan G but with a Part D deductible. Monthly premiums range from $114.46 to $407.68.
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $94.20 | $332.80 |
| PLAN B | $123.80 | $345.39 |
| PLAN C | $129.19 | $386.12 |
| PLAN D | $111.82 | $336.24 |
| PLAN F | $114.46 | $407.68 |
| PLAN HDF | $28.00 | $77.59 |
| PLAN G | $102.95 | $361.44 |
| PLAN HDG | $28.00 | $77.44 |
| PLAN K | $52.70 | $146.87 |
| PLAN L | $66.34 | $220.37 |
| PLAN M | $78.23 | N/A |
| PLAN N | $76.02 | $303.85 |
Affordable Medicare Part D prescription drug plans
Unfortunately, Medigap plans in Mississippi don’t pay for prescription drug costs, and only a select few Medicare Advantage plans have medication coverage. However, Biloxi residents can purchase an independent Part D plan to help pay for their medical prescriptions.
Humana provides a four-star Part D plan with a $22.70 premium and a $480 deductible.
Clear Spring Health is a Part D provider that offers a two-star program with an $18.50 premium and a $480 deductible.
Aetna offers a three-star Plan D plan with a $6.50 premium and a $480 deductible.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Aetna | $6.50 | $480 | 3 |
| Wellcare | $13.00 | $480 | 3 |
| Clear Spring Health | $18.50 | $480 | 2 |
| Humana | $22.70 | $480 | 4 |
| UnitedHealthcare | $29.30 | $310 | 4 |
Medicare Special Needs plans
Special Needs Plans (SNPs) are subdivisions of Medicare Advantage plans that provide additional medical coverage to residents with chronic disabilities or special needs. However, SNPs aren’t available in every ZIP code.
UnitedHealthcare offers an HMO Special Needs Plan with a zero-dollar premium and a $7,550 MOOP for dual-eligible beneficiaries.
Wellcare also offers an HMO SNP without a premium. This plan has a $3,450 MOOP for dual-eligible beneficiaries.
Cigna offers dual-eligible beneficiaries an HMO Special Needs Plan with a $20.80 premium and $6,700 MOOP.
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| UnitedHealthcare | $0 | $7,550 | HMO | Dual |
| Wellcare | $0 | $3,450 | HMO | Dual |
| Aetna | $0 | $7,550 | HMO | Dual |
| Humana | $0 | $3,450 | HMO | Dual |
| Cigna | $20.80 | $6,700 | HMO | Dual |
FAQs
Who is eligible for Medicare in Biloxi, MS?
Biloxi, Mississippi, residents 65 years old or older who meet Medicare’s eligibility requirements qualify for Medicare. The Medicare Initial Enrollment Period starts three months before the qualified individual’s 65th birthday and ends three months after their birthday month. However, there are additional enrollment periods.
People under 65 can also enroll in Medicare if they have a chronic disability or medical condition, such as Lou Gehrig’s Disease (ALS) or End-Stage Renal Disease (ESRD).
When can I apply for Medigap in Biloxi?
Biloxi residents 65 years or older can apply for Medicare Supplement plans a month after receiving Medicare Part B benefits. As long as you have Original Medicare, you can apply for a Medigap plan at any point of the year.
Failing to enroll during this period can prevent you from purchasing a plan. If you buy a Medigap plan after the enrollment period expires, you will likely pay more than the advertised price.
Which Medigap plan offers the most coverage in Biloxi, MS?
Medigap Plan F is the most comprehensive plan currently available in Biloxi, Mississippi. However, Medigap Plans G and N also provide extensive medical coverage to qualified beneficiaries. It’s best to research each plan to find the best option for your specific needs.
What does Medicare Part D pay for in Biloxi, MS?
Medicare Part D plans cover prescription drug costs not covered by Original Medicare. You can purchase a stand-alone Part D plan through an independent medical insurance provider within your region.
Are my Medigap premiums in Biloxi, MS, based on Income?
Medigap premiums tend to fluctuate from carrier to carrier. However, if Social Security deems you a high-income beneficiary, you must pay more for Biloxi, Mississippi Medicare Part B. Always compare Medigap plans with one another to find the best plan within your financial means.
How to sign up for Supplemental Medicare in Biloxi, Mississippi
If you need help enrolling in a Biloxi, Mississippi Supplemental Medicare plan, contact the Medicare specialists at Medigap.com. Our team works with all the leading Biloxi, Mississippi providers, allowing us to find the best plan that fits your specific needs. We help you compare rates and guide you through the enrollment process at no charge to you.
Whether you want an affordable supplemental Medicare plan or an extensive SNP, the Medigap.com team is here for you. Give us a call or complete our online rate form and get current rates now.
