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If you’re enrolled in Original Medicare, Part A and Part B, you can apply for a Medicare Supplement Insurance (Medigap) plan to help with your Medicare out-of-pocket costs, if there’s a Medigap plan in your part of Mississippi. Medicare Supplement Insurance plans are available from private insurance companies.
Medigap plans help cover health-care costs not covered under Original Medicare, such as copayments, deductibles, coinsurance, and other out-of-pocket expenses. In most states, including Mississippi, Medicare Supplement plans are standardized and named with a letter designation (for example, Medigap Plan K). All Medigap plans of the same name include the same level of coverage no matter where you purchase the plan. For example, if you enroll in Medigap Plan K from one insurance company in Lafayette County, the policy covers the same out-of-pocket Medicare costs as a Medigap Plan K offered by a different insurance company in Madison County. Plan costs and availability may vary.
The best time to enroll in a Medicare Supplement Insurance plan in Mississippi (as in other states) is usually during your Medigap Open Enrollment Period (OEP). Your Medigap OEP starts the month you’re both 65 years old (or older) and enrolled in Medicare Part B, and runs for a total of six months. The advantage of applying for a Medigap plan during your Medigap OEP is that your acceptance into the plan is generally guaranteed. If you decide to apply for a Medicare Supplement Insurance plan after your Medigap OEP ends, in most cases you’ll be required to undergo medical underwriting or be restricted by pre-existing conditions*, and plans don’t have to accept you as a member.
You may want to compare Medigap plans before making a final decision. As noted above, Medicare Supplement Insurance plans in Mississippi (as in other states) are standardized. However, the costs may differ depending on your county of residence and the insurance company selling the policy. Also, each lettered plan offers a different level of coverage for your Medicare Part A and Part B out-of-pocket costs. For example, Medigap Plan F covers all of your Part B copayments or coinsurance, while Medigap Plan K covers half of these costs. Consider factors such as how often you visit doctors and how often you need Medicare services when looking for a Medigap plan that may fit your health-care needs and budget requirements.
*Pre-existing conditions are generally health conditions that existed before the start of a policy. They may limit coverage, be excluded from coverage, or even prevent you from being approved for a policy; however, the exact definition and relevant limitations or exclusions of coverage will vary with each plan, so check a specific plan’s official plan documents to understand how that plan handles pre-existing conditions.
eHealth's Medicare website is operated by eHealthInsurance Services, Inc., a licensed health insurance agency doing business as eHealth. The purpose of this site is the solicitation of insurance. Contact may be made by an insurance agent/producer or insurance company. eHealth and Medicare supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. We offer plans from a number of insurance companies.