Medicare Supplement Insurance (Medigap) helps Mississippi seniors and eligible disabled residents pay for costs that Original Medicare does not cover, including deductibles, copayments, and coinsurance. Mississippi residents can choose from up to 10 standardized Medigap plans: A, B, C, D, F, G, K, L, M, and N.
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Most Popular Medigap Plans in Mississippi
| Popularity Ranking | Plan | Total Enrollees |
|---|---|---|
| 1 | F | 83,258 |
| 2 | G | 65,638 |
| 3 | N | 10,906 |
Note: Plans E, H, I, and J were retired nationwide and are no longer available. Pre-standardized policies (sold before July 1992) may still exist but are not offered to new buyers.
Did you know? Mississippi’s enrollment in Plan F remains unusually high compared to other states, even though new Medicare beneficiaries can no longer sign up for it. This shows how long-time enrollees are holding onto the plan for its “first-dollar coverage.”
How Medigap Pricing Works in Mississippi
The pricing method used by insurers determines how your Medigap premiums change over time. In Mississippi, policies may use one of the following structures:
- Attained-age rated – Premiums increase as you get older.
- Issue-age rated – Premiums are based on your age at purchase and may rise with inflation, not age.
- Community rated – Everyone pays the same premium regardless of age.
Under-65 Eligibility in Mississippi
Mississippi law provides stronger protections than many other states for younger beneficiaries. Insurers must offer their full lineup of Medigap plans to residents under 65 who qualify for Medicare due to disability or end-stage renal disease (ESRD). Premiums for these individuals may not exceed 150% of the rate charged to enrollees age 65.
Choosing a Medigap Plan in Mississippi
With Plan F still leading enrollment but gradually closing to new buyers, many Mississippians are turning to Plan G for comprehensive coverage or Plan N for budget-conscious protection. All Medigap plans are accepted nationwide by any provider that takes Medicare, giving Mississippi residents peace of mind whether receiving care in Jackson, Gulfport, or traveling out of state.
To review premiums and benefits in your area, visit our Medigap rate comparison page.