The federal Medicare program is a form of medical health insurance which provides for several of the hospital- and doctor-related medical care costs of senior citizens. Regrettably, there are actually coverage gaps that Medicare doesn’t cover, and these gaps in coverage can become very costly quickly if you’re depending upon Medicare by itself to cover your needs. Thankfully, there’s a form of supplement insurance called “Medigap” which gives a reasonable choice for retirees who would like to shield their finances from these gaps (specifically a Medicare Supplement in Mississippi).

Federal Regulations for Medicare Supplements

In order to make sure than a senior citizen in Mississippi has the exact same benefits as a senior in Oregon, the CMS (Centers for Medicare and Medicaid Services) are in command of controlling the ten available Medicare supplemental insurance plans. Plans A, B, C, D, F, G, K, L, M, and N are presently available (E, H, I, and J have already been discontinued). Because each plan is regulated, the only real contrast between Plan G in Mississippi and plan G in any other state is selling price, and company. The benefits are identical across the country.

Medigap Enrollment In Mississippi

Mississippi, like many other states in the union, has more seniors enrolled in Medigap Plan F than any other type of Medicare supplement insurance. Based on the coverage which plan F provides, this isn’t necessarily surprising. There are other options, though – and depending on your needs, they might be cheaper.

Plan Type A B C D E F G H I J K L M N
Enrollment 1,141 1,447 5,009 1,520 369 89,915 9,857 92 345 6,255 311 457 7 7,244

Plan Coverage & Cost

The final cost of your individual health insurance plan can be difficult to calculate. Your weight, smoking habits, age, gender, and distinct location will all have an impact on the monthly payments you have to pay for a Medicare supplement policy.

The cost of your Mississippi Medigap (also referred to as Medicare Supplement) plan monthly premium is determined by a number of factors. Your overall health, medical history, body metrics, age, and gender will all be considered. In addition, where you live in Mississippi, as explicit as the zip code you live in, is taken into account. The cost of healthcare can vary widely across the state, so where you live will have an impact on the cost to insure you. To give you an idea of what to expect, we have provided a chart showing what other people near you are paying for their Medigap plan.

Most Popular Medicare Supplement Plans in Mississippi

Similar to a great many other states, Mississippi inhabitants favor Medigap Plan F over the majority of Medicare supplement plans. It’s reasonably easy to see precisely why: Plan F covers 100% of the coverage gaps which can be found in Original Medicare and offers more benefits than any other plan. However, because Plan F is very comprehensive, it is also the most expensive Medicare supplement plan available.

You could save some money if, for example, you sign up for Plan G instead. The only benefit Plan G doesn’t provide is the monthly Part B deductible. If it is fairly low, and you feel you can pay it yourself, it might save you money over Plan F.

How do Medicare Plan Ratings Work?

In an effort to provide senior citizens a way to compare the overwhelming number of companies selling Medicare related products, Medicare established the Overall Star Rating system. Each year Medicare crunches the data it has on every company selling Medicare Supplement insurance and assigns a star rating based on the company’s performance in five areas. The more stars, the better they scored. They are schored on the use of screenings, tests, inoculations, and other preventive measures, management of chronic diseases like diabetes, the quality of customers’ experience with the company such as complaints and service. It’s not a perfect measurement but it is helpful when comparing companies.

Helpful Medigap Tips & Tricks

Doctor/Provider Network Restrictions

Do you like to travel? Do you migrate yearly as the seasons change? Do you live out in the country, or is there a general lack of selection with regards to medical service providers in your area? Then you might be better off with a Medicare supplemental insurance policy. Sure, there are more solutions to supplement your Medicare coverage gaps, but very few of them supply the mobility that Medicare supplemental insurance does. With Medicare supplement insurance, you’re free to get treatment from virtually any facility and any health care provider where Medicare is accepted.

Doctors List

Some Medicare plans restrict which healthcare providers (primary, specialists, hospitals etc.) you can utilize to a specific network. If your current doctor is not a member of that network and you continue to see him or her, your visits and treatment may not be covered by your plan. Medigap (Medicare Supplement) is different. The only qualifier that Medigap plans have for providers is that they accept Medicare assignment. Accepting Medicare assignment basically means that your doctor agrees to the Medicare payments for services and promises not to charge you more than the copay that your plan has. If keeping your doctor is important to you, Medigap is the way to go.

Drug, Vision and Dental Coverage

In the year 2010, insurance agencies discontinued selling Medicare supplement policies that provided prescription drug coverage. That benefit can now be covered by applying for Medicare Part D. Furthermore, if you require vision or dental coverage, you will sadly not get those through your Medicare supplemental insurance policy. With a bit of investigation, you could be able to locate a low-cost solution from a private company in your area.

Enrollment Options & Best Time To Enroll

Before you sign up for a Medicare supplemental insurance policy, you have to first be enrolled in Medicare Parts A & B. Only then can you start the Medicare supplement enrollment process. The quicker you enroll, the less difficult the process will be. But in the event you put it off, you may have to answer personal questions regarding your state of health to be deemed qualified to receive a policy.

  • Initial Enrollment Period: In your first 6 months of signing up for Medicare, you may also enroll in a Medigap policy with automatic approval and zero health questions asked.
  • Guaranteed Issue: In case you are getting rid of your employer or group plan, Guarantee Issue enrollment can get you covered by a Medigap policy regardless of your health status.
  • Annual Enrollment Period (AEP): In contrast to most types of insurance, you can enroll in a Medicare supplement policy anytime. You are not limited by an annual enrollment period.
  • Underwritten: The process in which a company asks you questions and possibly runs medical tests in order to determine whether or not they can offer you coverage.

Free Look Period

If you become a member of a Medigap plan but later realize that it isn’t the best fit, there’s no need to be concerned – so long as you make that discovery within the initial 30 days of coverage. The “Free Look Period” gives senior citizens the right to end their coverage for a full refund within the first 30 days if they aren’t completely content with their policy.

What Medigap Plan Is Best For Me?

You’re the only one who can determine what is the best Medicare Supplement plan for your needs and protection. We suggest that the best plan is one you fully understand, provides the coverage you’ll need as you progress through your retirement years, and one that is affordable. There are a many providers which means shopping and comparing is important to find your right plan. At we have assembled a comprehensive list of Medigap plans that are available in Mississippi. Use this list to start your search now.

by Lindsay Malzone, Lindsay Malzone is the Medicare expert for 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.