Joining a Medicare Supplement (Medigap) plan as a Medicare recipient in Mississippi will help you pay for out-of-pocket costs associated with Original Medicare, Part A and Part B, such as copayments, coinsurance, and deductibles. Depending on your zip code, different Medigap plan choices are available in Mississippi, so it's a good idea to familiarize yourself with what Medigap in Mississippi covers before choosing a plan.
In Mississippi, how do Medigap plans work?
In 47 states, including Mississippi, there are ten uniform Medicare Supplement plans, each of which is defined by one of ten letters (A, B, C, D, F, G, K, L, M, and N), with plans of the same letter providing the same benefits, but some companies may provide additional creative benefits. Just three states – Massachusetts, Minnesota, and Wisconsin – sell uniform Medigap programs of various forms.
You must be enrolled in Original Medicare, Parts A and B, to participate in a Medicare Supplement plan in Mississippi. In Mississippi, as in the rest of the country, the Open Enrollment Period for Medigap coverage begins on the first day you turn 65 and are enrolled in Medicare Part B, and lasts for six months. During the Open Enrollment Period, you can enroll in any Medigap plan available in your state, with any insurance provider of your choice, without being denied coverage due to pre-existing conditions or being subjected to medical underwriting (although waiting periods may apply). Since there are usually no other enrollment periods except the Medigap Open Enrollment Period, if you wish to enter Medigap in Mississippi at a later date, you can be refused coverage or paid extra for your insurance plan.
In Mississippi, Medigap is intended to complement Original Medicare rather than replacing it, so if you want to retain your health insurance coverage, you must stay enrolled in Original Medicare and pay your Medicare Part B premium. In addition, if you want prescription drug coverage, you can consider enrolling in a stand-alone Medicare Part D Prescription Drug Plan, since Medigap does not cover prescription drugs.