The Best Medicare Supplement (Medigap) Plans in Mississippi

Christian Worstell
In this article...
  • Medicare Supplement Insurance (Medigap) helps Mississippi beneficiaries cover Medicare out-of-pocket costs such as copays and deductibles. Let our review of Mississippi Medigap plans help you choose the right policy.

Because U.S. seniors often live on a fixed income, they may need help covering medical expenses, especially if they have chronic or recurring conditions that require regular treatment. Individuals enrolled in Original Medicare may purchase Medicare supplement insurance, also known as Medigap, to help defray the out-of-pocket costs associated with Medicare copays, deductibles and other health care expenses.

Over a third (39%) of Mississippi’s Original Medicare beneficiaries have a Medicare Supplement insurance plan.1 If you need help covering Medicare-related expenses, this article provides the information you need to know about Medigap so you can select a policy that suits your needs and budget.

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Talk to a licensed agent today to find a plan that fits your needs.

What Are the Best Mississippi Medicare Supplement Plans?

Although Medigap insurance is sold by private insurers throughout Mississippi, every plan sold in the state is one of 10 standardized types. Plans with the same letter designations are identical regardless of the company you purchase insurance from. Essentially, Plan N should have the same benefits and coverage terms when purchased from any issuer.

Medigap Benefits by Plan Type

All 10 Medigap plan types provide the same core benefits, which include coverage of hospice copays, Part A and B coinsurance and reimbursement for 365 days of hospital stays after Part A benefits have been exhausted. Additional benefits vary depending on the plan's letter designation but may include reimbursement for some or all of the following charges:

Reimbursable amounts for covered benefits can range between 50% and 100% of the costs remaining after Medicare pays for their portion of the charges. In some cases, limitations and restrictions may also apply. For a further breakdown of benefits by plan type, please review the accompanying chart.

Medicare Supplement Insurance Plans 2024
Medicare Supplement Benefits A B C1 D F1 G K L M N
Part A coinsurance and hospital costs
Part B coinsurance or copayment 50% 75%
First 3 pints of blood 50% 75%
Part A hospice care co-insurance or co-payment 50% 75%
Co-insurance for skilled nursing facility     50% 75%
Medicare Part A deductible   50% 75% 50%
Medicare Part B deductible                
Medicare Part B excess charges                
Foreign travel emergency     80% 80% 80% 80%     80% 80%
1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,800 in 2024. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
3. Plan K has an out-of-pocket yearly limit of $7,060 in 2024. Plan L has an out-of-pocket yearly limit of $3,530 in 2024.
4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission.
View an image version of this table.

Why Some Medigap Plans Are More Popular Than Others

Because coverage varies between plans of different letters, some Medigap policies tend to be more popular than others. Plans F, G and N typically top the list of popular plans — likely due to their lower cost, which can make them more affordable for many seniors. However, only enrollees who were eligible for Medicare benefits prior to 2020 may purchase Plan F.

These popular plans offer the same core benefits that other Medigap plan types provide and may include additional coverage, such as:

  • The Part A deductible
  • 80% of the cost of foreign travel emergency medical care
  • 100% of the Part A coinsurance for residential skilled nursing care

Choosing an Insurance Company

Because Medigap is sold by private insurance companies, potential policyholders can shop around for the best price. Remember that Medigap plans are standardized by their letter designation, so the coverage won’t change, regardless of who issues the policy. This means that the main difference between issuers is a plan’s premium.

However, you should be aware that not every insurance company offers the same selection of policies. Any Mississippi company that sells Medigap plans must offer Plans A, C and F. Selling other plan types is optional, so if you have a specific plan in mind, you’ll want to find an insurer who offers it.

How Do I Enroll in a Mississippi Medigap Plan?

Although the application for enrollment is submitted directly through the insurance company, enrollment criteria is governed by federal law. You must be 65 or older and enrolled in Medicare Part B to qualify for Medigap, and beneficiaries enrolled in Medicare Advantage plans may not purchase this coverage to supplement their insurance.

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

The Best Time to Enroll in Medigap

If you want to purchase a Medigap policy, the best time to do so is during your Medigap open enrollment period. During this time period, the federal government guarantees your right to purchase a plan even if you have an underlying medical condition that could brand you a high risk, and you may not be charged higher rates, regardless of your health.

Your Medigap open enrollment period lasts for six months, beginning on the first day of the month you're at least 65 years old and enrolled in Medicare Part B. If you’re still employed and receive health insurance from an employer or union at that time, you may be able to delay your Medicare enrollment and, consequently, your Medigap open enrollment period, until you retire.  

Purchasing a Medigap Policy Outside the Open Enrollment Period

You may be able to purchase Medicare supplement insurance after the open enrollment period ends, but your application will probably be assessed using standard medical underwriting practices. That means seniors with health risks may be denied coverage or may end up paying more for a policy.

In certain circumstances, as defined by the federal government, seniors may be able to purchase a Medigap plan after the open enrollment period ends without having to go through medical underwriting. These protections are known as guaranteed issue rights.

Guaranteed issue rights may protect beneficiaries in the following common situations:

  • Reversion to Original Medicare: Medicare beneficiaries who were enrolled in a Medicare Advantage plan may be protected by guaranteed issue rights if their MA plan was discontinued or the service area changed. Protections may also extend to members who reverted to Original Medicare after moving out of their MA plan’s coverage area or who reverted to Part B after exercising a Medicare Advantage trial right.

  • Loss of a Medigap plan: Medigap policyholders who relinquished their supplemental insurance for reasons outside of their control are protected under guaranteed issue rights. This can happen due to an insurer’s misleading policies, their unwillingness to follow federal guidelines or if they go bankrupt.

  • Loss of group coverage: Seniors who lost employer- or union-sponsored coverage that was supplementing their Original Medicare plan may be protected under guaranteed issue rights. This also applies to seniors who've recently lost COBRA coverage.

If any of these circumstances apply to you, an insurance company may not deny you Medigap coverage for a predetermined period of time, which is typically up to 63 days after the qualifying event.

  1. AHIP. (Feb. 2023). The Sate of Medicare Supplement Coverage Trends in Enrollment and Demographics.

Christian Worstell
About the Author

Christian Worstell is a senior Medicare and health insurance writer with He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.

Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.

While at HelpAdvisor, Christian has written hundreds of articles that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.

Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.

A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. You can find Christian’s most recent articles in our blog.

If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at

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