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Medicare Supplement (Medigap) Plans in Mississippi

Last Updated on

October 6, 2016

As a Medicare beneficiary in Mississippi, you may get help paying for out-of-pocket expenses associated with Original Medicare, Part A and Part B, including copayments, coinsurance, and deductibles, by joining a Medicare Supplement (Medigap) plan. There are various Medigap plan options available in Mississippi, depending on the zip code in which you live, so it’s smart to familiarize yourself with what Medigap in Mississippi covers prior to choosing a plan.

How Medigap plans work in Mississippi

There are 10 standardized Medicare Supplement plans available in 47 states, including Mississippi, each of which is identified by one of 10 letters (A, B, C, D, F, G, K, L, M, and N), with plans of the same letter offering the same benefits, although some companies may offer additional innovative benefits. Only three states – Massachusetts, Minnesota, and Wisconsin – offer different types of standardized Medigap plans.

To enroll in a Medicare Supplement plan in Mississippi, you must already be enrolled in Original Medicare, Part A and Part B. The Open Enrollment Period for Medigap in Mississippi, as in the rest of the United States, generally starts the first day you are both age 65 or older and enrolled in Medicare Part B, and the period lasts for six months. During the Open Enrollment Period, you may join any Medigap plan available in your area, with the insurance company of your choice, without being denied coverage for pre-existing conditions or required to go through medical underwriting (although waiting periods may apply). Since there are generally no other enrollment periods besides the Medigap Open Enrollment Period, you may be denied coverage or charged more for your insurance plan if you decide to join Medigap in Mississippi at a later date.

In essence, Medigap in Mississippi is designed to supplement Original Medicare, not replace it, so you have to remain enrolled in Original Medicare, and continue paying your Medicare Part B premium, if you want to keep your health insurance coverage. And if you want to receive prescription drug coverage, you may want to consider enrolling in a stand-alone Medicare Part D Prescription Drug Plan, since Medigap does not offer any kind of prescription drug coverage.

Types of Medigap plans in Mississippi

It’s a good idea to familiarize yourself with Medigap in Mississippi and to understand what each of the 10 types of standardized Medicare Supplement plans offers. In this chart, X indicates that the service (or item) is 100% covered; a percentage indicates what percent of the service/item is covered; and a blank cell indicates it is not covered.

 

Medicare Supplement Plans
Medicare Supplement Benefits A B C D F* G K L M N
Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are exhausted X X X X X X X X X X
Medicare Part B copayment or coinsurance X X X X X X 50% 75% X X***
First three pints of blood X X X X X X 50% 75% X X
Medicare Part A hospice care coinsurance or copayment X X X X X X 50% 75% X X
Skilled nursing facility care coinsurance X X X X 50% 75% X X
Medicare Part A deductible X X X X X 50% 75% 50% X
Medicare Part B deductible X X
Medicare Part B excess charges X X
Foreign travel emergency coverage (up to plan limits) 80% 80% 80% 80% 80% 80%
Out-of-pocket limits apply.**

*Medicare Supplement Plan F offers a high-deductible version in which beneficiaries pay a certain deductible amount before the plan begins coverage. This amount may change from year to year.
**Once you reach the out-of-pocket limits (including the Part B deductible), both Medicare Supplement Plans K and L pay 100% of covered services in the above chart for the remainder of the calendar year.
***Medicare Supplement Plan N pays 100% of the Medicare Part B coinsurance, except for a copayment of up to $20 on doctor visits and up to $50 on emergency room visits that don’t result in an inpatient admission. 

Choosing a suitable Medigap plan in Mississippi

As stated earlier, Medicare Supplement plans in Mississippi with the same letter designation don’t vary in coverage or benefits. However, each private insurance company that offers Medicare Supplement plans can determine its own monthly premium structure. This means that if you live in Tupelo in Lee County you may pay more or less than a resident of Biloxi in Harrison County for an identical Medicare Supplement plan. Bearing in mind that each Medigap plan may have different out-of-pocket expenses, it may be a good idea to compare all Medicare Supplement plans available in your area in order to choose a Medigap plan in Mississippi that fits your personal needs.

For additional details about Medicare in Mississippi, visit the following pages:

 

Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program.