|Plan Type||Est. Premium*|
|Medigap Plan A:||$89.52||(shop rates)|
|Medigap Plan B:||$111.25||(shop rates)|
|Medigap Plan C:||$126.82||(shop rates)|
|Medigap Plan D:||$118.60||(shop rates)|
|Medigap Plan F:||$127.17||(shop rates)|
|Medigap Plan G:||$118.96||(shop rates)|
*Premiums shown are samples for a 65 year old, non-smoking woman in Mississippi. You must request a quote to get an exact premium for your situation.
This page outlines Blue Cross Blue Shield of Mississippi Medigap Plans sold in Mississippi. BCBS of Mississippi is licensed with the Mississippi State Board of Insurance to sell Medicare Supplement insurance. Medicare Supplements help pay the deductibles, copayments and coinsurance that come with Original Medicare. This insurance carrier has participated in the supplement insurance market for The carrier offers a range of standardized plans (see below). years and offers a range of plans for Mississippi seniors (see plans offered below). A.M. Best Company, a nationally recognized insurance rating company, gave BCBS of Mississippi an A rating.
All insurance companies that sell Medicare Plans must offer Plan A. This is the most basic policy covering the portions of Medicare Part A and Part B that the government doesn’t pay.
Mississippi seniors with Medicare benefits are eligible to apply for a Blue Cross Blue Shield of Mississippi Medigap Plan A policy. It's a Attained Age based premium. We recommend comparing this company's Plan A rate with these carriers:
- UnitedHealthcare Medigap Plan A (Mississippi)
- Globe Life Medigap Plan A (Mississippi)
- Heartland National Medigap Plan A (Mississippi)
Plan B is available in most states. It covers basic benefits plus your Skilled Nursing coinsurance, but nothing else. In some rare cases, the premium for this policy could make it worth taking on the risk of those things not covered. Most people find a better alternative by choosing a Plan D, G, or H at a similar price.
You can get Plan B in Mississippi from Blue Cross Blue Shield of Mississippi . They use the Attained Age cost method to calculate their monthly rates. Before making your final decision, you might want to compare premiums with these carriers:
- Central States Medigap Plan B (Mississippi)
- American Continental Medigap Plan B (Mississippi)
- Assured Life Association Medigap Plan B (Mississippi)
Plan C covers every penny of what Medicare approves, up to the approved payment amount. In other words, there are only two instances in which Plan C will not cover what is left of your charges after Medicare pays its share. The first instance is when Medicare doesn’t approve the charge at all. The second is when your healthcare provider charges more than the Medicare approved amount. This is because Plan C does not cover Medicare Part B Excess Charges.
If you take care to avoid the Medicare Part B excess charges, this is an attractive policy, and Blue Cross Blue Shield of Mississippi offers it in Mississippi. The monthly premium is calculated using the Attained Age cost method. Before you make a final decision, be sure to compare. Here are a few companies with good rates:
- Philadelphia American Medigap Plan C (Mississippi)
- Central States Medigap Plan C (Mississippi)
- Assured Life Association Medigap Plan C (Mississippi)
Plan D covers most of the high risk areas not covered by Medicare. Most often the premium for a Plan D is less than the more comprehensive plans, like Plan F and G, but it leaves gaps in the coverage that these plans don’t.
People who choose this plan frequently do so because they are willing to risk the potential expense of the Part B deductible, preventative care and Medicare Part B excess charges. Before purchasing this plan be sure to compare rates on Plan F and G, as well.
Blue Cross Blue Shield of Mississippi offers a Plan D policy in Mississippi. It's not the most common plan, but here are a couple carriers we think you should check out to see if they offer a better price:
- Heartland National Medigap Plan D (Mississippi)
- Assured Life Association Medigap Plan D (Mississippi)
- Loyal American Medigap Plan D (Mississippi)
Plan F is the most popular of all supplements. It offers comprehensive coverage for everything Original Medicare doesn’t cover as long as the charge is approved.
There are No Co Pays, No Deductibles and No Out of Pocket Costs with Plan F. That means if your Medicare Part A or Part B pay a penny on any doctor or hospital charges, this policy will cover the gap. Period.
The two gaps that are not covered are At Home Recovery and Preventative Care. These expenses are not covered by Medicare at all.
Plan F is by far the most commonly purchased Medicare supplement in Mississippi. Blue Cross Blue Shield of Mississippi offers a good Medigap Plan F, however, don't forget to compare prices. Make sure you're getting the lowest premium available in Mississippi by comparing quotes from these insurance carriers:
- Heartland National Medigap Plan F (Mississippi)
- Philadelphia American Medigap Plan F (Mississippi)
- Combined Medigap Plan F (Mississippi)
Plan G has almost as much coverage as a Plan F. The difference is the Part B deductible. After your annual Medicare Part B deductible is met, this plan will cover the coinsurance amount of Medicare-approved medical services, which is generally 20% of the approved amount.
If you stay in the hospital for longer than 60 days, but less than 90 days, Plan G covers your Medicare Part A coinsurance for each benefit period. For each Medicare “hospital reserve day” you use, Plan G pays the full per day Medicare Part A coinsurance amount. “Hospital reserve days” are 60 nonrenewable hospital days that Medicare provides you which can only be used once in a lifetime. After all Medicare hospital benefits are exhausted, Plan G covers 100% of Medicare Part A eligible hospital expenses.
Most experts agree that Plan G is the best alternative to the F Plan. It offers all of the same benefits, except the Part B deductible. Blue Cross Blue Shield of Mississippi offers a Plan G and we think it's worth comparing with the rates offered by these carriers:
- Philadelphia American Medigap Plan G (Mississippi)
- Heartland National Medigap Plan G (Mississippi)
- Assured Life Association Medigap Plan G (Mississippi)
You are eligible to apply for a BCBS of Mississippi Medicare Supplement if you are:
- A resident of Mississippi,
- Enrolled in Medicare Parts A and B, and
- You are age 65 or over.
BCBS of Mississippi offers plans in Jackson, Gulfport, Hattiesburg, Biloxi, Southaven, Meridian, Tupelo, Greenville, Olive Branch and most other areas of the state.
This page is maintained by 9/22/2015.and was last updated on