Medicare Supplement Plans in Mississippi

Victoria Burke by Victoria Burke | Licensed since 2011
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This article was updated on: 10/12/2018

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If you’re on Medicare and trying to hold down your health-care costs, a Medicare Supplement plan in Mississippi could be the solution you’re looking for. Whether a Medicare Supplement plan in Mississippi is right for you depends on several factors. We’ll take you through a quick overview of Medicare Supplement insurance.

Medicare Supplement plans in Mississippi: why might you want one?

If you’re enrolled in Original Medicare (Part A and Part B), you may have noticed a few things that could hit you in the purse strings. For example:

  • Medicare Part A (hospital insurance) comes with a deductible you have to pay for each “benefit period” before Medicare starts paying for hospital expenses. A benefit period starts the day you’re admitted as an inpatient, and ends when you haven’t had any inpatient care for 60 days in a row. If you have frequent hospitalizations, you might end up paying the Part A deductible more than once in a single year.
  • Part A also requires coinsurance amounts for most hospital services.
  • You might need to pay a monthly premium for Part A, but generally that’s only if you haven’t worked at least 10 years while paying Medicare taxes.
  • Medicare Part B (medical insurance) also comes with a deductible, but it’s one annual deductible (not based on benefit periods).
  • Part B also requires coinsurance amounts or copayments for many medical services.
  • Most people pay a monthly Part B premium.
  • Neither Part A nor Part B has an out-of-pocket maximum for your health-care spending. That means there’s no limit on what you could have to spend if you face health problems or an unexpected event, like a serious accident.

So, how might a Medicare Supplement plan in Mississippi help?

Medicare Supplement plans in Mississippi: a quick overview

Medicare Supplement plans in Mississippi were created with costs like those listed above in mind. The same is true in all states. These plans are standardized in most states, including Mississippi. They’re sold by private insurance companies.

Every standardized Medicare Supplement plan in Mississippi (as in other states) generally pays for:

  • An additional year (365 days) of Medicare-approved hospital services after Medicare benefits are used up
  • All or at least part of the Part B coinsurance or copayment amounts you pay for doctor visits, lab tests, and other services covered by Medicare Part B. Most standardized Medicare Supplement plans in Mississippi may pay 100% of these costs. Some plans pay a portion, such as 50% or 75%. (Medicare Supplement Plan N may require payment of up to $20 for certain office visits and up to $50 for emergency room visits.)
  • Hospice care coinsurance or copayment amounts under Medicare Part A. Most standardized Medicare Supplement plans in Mississippi may pay 100% of these costs. Some plans pay a portion, such as 50% or 75%.
  • Blood if needed during surgery. All standardized Medicare Supplement plans in Mississippi typically cover the first three pints of blood. Most standardized Medicare Supplement plans in Mississippi may pay 100% of these costs. Some plans pay a portion, such as 50% or 75%.

Each standardized Medicare Supplement plan in Mississippi has its own set of basic benefits, and there is some overlap among plans. For example, some plans may pay your Part A deductible, your Part B deductible, neither, or both. The plans have lettered names, such as Medicare Supplement Plan A (which is very different from Medicare Part A). There are up to 10 standardized Medicare Supplement plans in Mississippi. The same is true in other states.

Some Medicare Supplement plans in Mississippi may cover limited emergency medical care for travel outside the United States. Medicare Supplement Plans C, D, F, G, M, and N may cover up to 80% of certain emergency medical expenses, up to plan limits.

Medicare Supplement plans in Mississippi: costs

Each Medicare Supplement plan of the same letter name has the same basic benefits. Medicare Supplement Plan C, for example, would include the same basic benefits whether you buy the plan in Biloxi, Jackson, or Long Beach (or anywhere – even in another state). Some Medicare Supplement plans in Mississippi might include additional benefits.

Not every Medicare Supplement plan may be available in every part of Mississippi.

But plans of the same name might not cost the same. Medicare Supplement plans in Mississippi typically have monthly premiums. Plans can use different pricing structures. This is true in other states as well.

Would you like some assistance comparing Medicare Supplement insurance plans? I’d be happy to help.

  • For an instant list of plans in your area, click the Find Plans or Compare Plans buttons on this page.
  • To set up a phone call with me or ask me to email you customized information, follow the links below.

The product and service descriptions, if any, provided on these Medicare.com Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.

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