Original Southaven, Mississippi Medicare Part A, and B cover most inpatient and outpatient services for hospital stays and essential medical procedures.

However, Southaven also has several Supplemental Medicare plans, which are optional packages with benefits not included in baseline Medicare.

The four most common types of supplemental Medicare in Southaven, Mississippi, are Medicare Advantage, Medicare Supplement plans, Part D Medicare, and Medicare Special Needs Plans (SNP).

Southaven Mississippi Supplemental Medicare Plans

Unlike Original Medicare Part A and B in Mississippi, private insurance companies control Medicare supplemental plans and can fluctuate their prices based on several factors, including age, gender, and location.

In the charts below, we’ll look at the most popular Southaven Mississippi Medicare plans and providers and what the average 65-year-old female pays for them.

Cheapest Medicare Advantage Plans in Southaven, Mississippi

Southaven, Mississippi Medicare Advantage plans give enrollees coverage for basic health services like vision, dental, hearing, and prescription medication in rare cases. Lucky for Southaven residents, DeSoto County, Southaven’s home country, has 25 different plans available across several providers.

Humana’s Regional PPO Medicare Advantage plan is one of the most popular and affordable in Southaven. It has a $0 premium and a $7,550 maximum out-of-pocket rate (MOOP).

Cigna offers another low-cost Medicare Advantage option with a $0 premium and a slightly lower $6,700 MOOP. This HMO plan also has a four out of five-star rating that judges Medicare Advantage plans’ effectiveness.

Wellcare’s Local PPO Medicare Advantage plan also comes with a $0 premium and the lowest MOOP in Southaven at $6,000.

PLAN PREMIUM MOOP Plan Type Star Rating
Humana $0 $7,550 REGIONAL PPO 4
Wellcare $0 $6,000 LOCAL PPO N/A
Cigna $0 $6,700 HMO 4
Aetna $0 $6,900 LOCAL PPO 4
UnitedHealthcare $0 $6,700 LOCAL PPO 4

Affordable Medicare Supplement Plans in Southaven, MS

Mississippi Medicare Supplement plans, or Medigap plans, are federally standardized optional Medicare packages that cover services like blood transfusions and Part A and B deductibles. Southaven, MS, offers 12 different Medicare Supplement plans, each with varying coverage ranges and price points. Since the federal government standardizes each plan, their benefits won’t change regardless of your provider or state.

Medigap Plan G is one of the most enrolled-in Medicare Supplement plans in Southaven. It covers almost every Medigap benefit, but the average premiums are higher than you’ll pay for most plans, ranging from $95.33 to $361.44.

Another popular Medigap option in Southaven, MS, and the most popular plan nationwide, is Plan F. This Medigap policy has the most coverage but also has much higher premiums that range from $108.30 to $387.62

Plan N is another go-to for Southaven, MS, beneficiaries. Its average premiums are considerably lower than Plans G and F, ranging from $71.93 to $303.85, but it doesn’t cover as much as those other plans.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $85.25 $311.78
PLAN B $106.12 $313.75
PLAN C $125.03 $386.12
PLAN D $103.30 $268.99
PLAN F $108.30 $387.62
PLAN HDF $28.00 $59.95
PLAN G $95.33 $361.44
PLAN HDG $28.00 $59.85
PLAN K $49.25 $146.87
PLAN L $62.00 $220.37
PLAN M $78.23 N/A
PLAN N $71.93 $303.85

Average Medicare Part D in Southaven, Mississippi

Southaven, Mississippi Medicare Part D plans cover prescription medication costs. Part D is unique compared to other Medicare supplement forms since no Medigap plans and only a handful of Medicare Advantage plans help with medication costs.

Aetna’s Part D plan is one of the most affordable in Southaven, with a $6.60 monthly premium and a $480 annual deductible.

UnitedHealthcare offers a Part D plan in Southaven with a slightly higher $29.30 premium but a lower-than-average $310 deductible.

Humana’s Southaven Part D coverage is one of the most well-regarded. It has a four-star rating on top of a $480 deductible and a $22.70 premium.

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

SNPs are a subset of Medicare Advantage available for enrollees with chronic disabilities or specialized medical requirements. Not every Medicare Advantage provider offers SNPs, and those that do offer them in limited locations.

Wellcare’s $0 premium, $3,400 MOOP HMO Special Needs Plan is one of the most affordable in Southaven, MS.

Humana has a nearly-identically priced SNP to Wellcare’s with no monthly premium and a $3,450 MOOP.

Aetna’s $0 premium, $7,550 MOOP dual eligibility SNP is another popular option for Southaven Medicare Advantage users.

PLAN PREMIUM MOOP Plan Type Eligibility
UnitedHealthcare $0 $7,550 HMO Dual
Shared Health $0 $7,550 HMO Dual
Wellcare $0 $3,400 HMO Dual
Humana $0 $3,450 HMO Dual
Aetna $0 $7,550 HMO Dual

FAQs

How Do I Sign Up for Medicare in Southaven, MS?

If you’re 65 or older and already have Social Security or Railroad Retirement Board benefits, the federal government will automatically enroll you for Southaven Original Medicare.

If you don’t meet those requirements or don’t receive automatic enrollment, you can sign up at your local Southaven Social Security office.

When Can I Apply for Medigap in Southaven, Mississippi?

Your six-month open enrollment window is the best time to enroll in a Medigap plan. In Southaven, that window opens as soon as you begin your Original Medicare Part B benefits.

Is Medicare Part A and Part B Free in Southaven, Mississippi?

Medicare Part A is premium-free in Southaven if you or your spouse paid Medicare taxes over ten years of employment or if you’re receiving Social Security or Railroad benefits. However, Part A still has a deductible, and standard Part B has a premium and deductible for everyone.

Do Medigap Plans over Drugs in Southaven?

Medigap plans in Southaven do not include prescription drug coverage. You’ll need a Medicare Part D plan or a specialized Medicare Advantage plan for reliable medication coverage.

Can I Add Part D Anytime in Southaven, Mississippi?

You can add Medicare Part D in Southaven during your Initial Enrollment Period or the Open Enrollment Period. Open Enrollment runs from Oct. 15 to Dec. 7.

How to Sign Up for Supplemental Medicare in Southaven

Our team makes signing up for a Southaven, Mississippi Medicare Supplemental plan easy. We’ll compare prices and policies from all of Southaven’s Medicare providers and organize them for you at no cost so that you can easily find a plan that works for you. Give us a call today, or complete our online rate form now.

Picture of the author
by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.