Best Medicare Supplement Plans in Mississippi (2026)

Key Takeaways

Plans A, M and N from New Era offer Mississippi's most affordable Medigap rates among the state's most popular policies, saving beneficiaries $35 to $94 monthly versus state averages.

Blue Cross Blue Shield, MedMutual Protect, LifeShield National, Atlantic Capital and Transamerica provide the best pricing for Plans B, C, D, F, G, K and L in Mississippi.

At age 65, Mississippi residents pay $32 to $421 monthly for Medicare Supplement coverage based on coverage level.

Best Cheap Medicare Supplement Companies in Mississippi

Monthly premiums for Medigap coverage in Mississippi span $83 to $156 for seniors aged 65, with multiple carriers competing across the 10 standardized plan options. Our analysis of Medicare Supplement providers identified the most affordable companies that provide strong financial protection at reasonable rates.

New Era has the best rates across three popular plans, including Plan A at $95 per month, Plan M at $84 per month and Plan N at $83 per month. Blue Cross Blue Shield provides Plans B, C and D, while MedMutual Protect focuses on Plan F coverage. LifeShield National offers Plan G, Atlantic Capital handles Plan K and Transamerica covers Plan L with competitive pricing. These low-cost options save Mississippi seniors $28 to $143 per month compared to average state rates.


New Era	A	$95	$94	Attained Age Pricing
Blue Cross Blue Shield	B	$133	$113	Attained Age Pricing
Blue Cross Blue Shield	C	$156	$143	Attained Age Pricing
Blue Cross Blue Shield	D	$141	$42	Attained Age Pricing
MedMutual Protect	F	$142	$128	Attained Age Pricing
LifeShield National	G	$123	$101	Attained Age Pricing
Atlantic Capital	K	$84	$28	Attained Age Pricing
Transamerica	L	$124	$47	Issue Age Pricing
New Era	M	$84	$35	Attained Age Pricing
New Era	N	$83	$94	Attained Age Pricing

*These rates reflect Medigap premiums for 65-year-olds.

New Era

MoneyGeek Rating

4.2/ 5

4.8/5Affordability

3.9/5Pricing Style

3.2/5Plan Availability

Average Plan G Rate
$38
Plan Types
A, D, F, G, M, N

pros
- Plan A costs just $95 per month, the lowest in Mississippi
- Plan M runs $84 monthly, beating all other insurers in the state
- Mississippi's cheapest Plan N at $83 per month
- Six plan options include less common choices like Plans M and D
cons
- Attained Age Pricing increases your premiums as you get older
- Missing cost-sharing plans (K or L) and high-value alternatives
New Era takes an unusual approach in Mississippi's Medicare Supplement market. The company offers strong pricing across multiple plan types and ranks first for three options: Plan N costs $83 monthly, Plan M runs $84 and Plan A comes in at $95.

Those rates undercut Mississippi averages by $35 to $94. New Era sells six Medigap plans total (A, D, F, G, M and N), which gives seniors several ways to balance coverage against their budget and healthcare requirements.

Your premiums will climb as you age since New Era uses attained-age pricing. But the company's range of plan choices helps. Seniors can pick coverage that fits both their current health situation and their expected long-term costs. New Era maintains sound financial backing, though the company doesn't publish detailed AM Best ratings.

Blue Cross Blue Shield

MoneyGeek Rating

4.2/ 5

4.6/5Affordability

3.9/5Pricing Style

3.4/5Plan Availability

Average Plan G Rate
$142
Plan Types
A, B, C, D, F, G

pros
- Plan B costs $133 monthly, the lowest rate in Mississippi
- Mississippi's cheapest Plan C at $156 per month
- Plan D runs just $141 monthly, beating all competitors
- Strong financial stability and wide provider network
cons
- Doesn't offer Plans N, K, L or M
- Attained Age Pricing increases your premiums as you get older
Blue Cross Blue Shield dominates Mississippi's Medicare Supplement market with three top-ranked plans. Plan B costs $133 each month, Plan C runs $156 and Plan D comes in at $141. These rates undercut state averages by $42 to $143, freeing up cash for seniors juggling healthcare expenses.

The insurer sells six Medigap options in Mississippi: A, B, C, D, F and G. You'll find everything from bare-bones coverage to plans that handle most out-of-pocket costs. Just know your premiums climb each year under attained-age pricing.

BCBS gives you access to a huge network of doctors and hospitals across the state. The company also runs wellness programs for members. An A+ (Superior) rating from AM Best confirms BCBS has the financial muscle to pay claims reliably.

MedMutual

MoneyGeek Rating

4.5/ 5

4.9/5Affordability

4.4/5Pricing Style

4/5Plan Availability

Average Plan G Rate
$128
Plan Types
A, D, F, G, N

pros
- Plan F costs just $142 monthly, Mississippi's lowest rate
- Issue Age Pricing locks in rates based on enrollment age
- Strong financial stability with good ratings
cons
- Missing cost-sharing options like Plans K and L, plus no Plan M
- High-deductible Plan G isn't available
MedMutual operates as part of Medical Mutual of Ohio and handles Medicare Supplement sales across Mississippi. Plan F ranks cheapest in the state at $142 per month, saving seniors $128 compared to what other insurers charge on average.

Five plans are available: A, D, F, G and N. Monthly premiums span from $44 up to $212 depending on which coverage level you choose. MedMutual uses Attained Age Pricing, so expect your bill to climb as you get older.

The company throws in wellness programs and telehealth access alongside standard Medicare Supplement benefits. AM Best gave MedMutual an A (Excellent) rating, meaning the insurer has enough financial reserves to handle claims reliably for years.

LifeShield National

MoneyGeek Rating

4.6/ 5

4.8/5Affordability

4.6/5Pricing Style

4.4/5Plan Availability

Average Plan G Rate
$123
Plan Types
A, F, G, N

pros
- Plan G costs just $123 monthly, Mississippi's best rate
- Four popular plan types available (A, F, G, N)
- Stable financial ratings from AM Best
cons
- Attained Age Pricing increases your premiums as you get older
- Missing cost-sharing plans like K and L, plus no Plan M
- No high-deductible Plan G option
LifeShield National is a newer player in Mississippi's Medicare Supplement space. The insurer undercuts competitors on Plan G, charging $123 per month while others average $224. That's a $101 monthly difference.

You can choose from four plans: A, F, G and N. For 65-year-olds, premiums start at $92 and top out at $188. Your costs will rise each birthday since LifeShield prices policies based on your age.

Plan customization sets LifeShield apart. The company lets seniors tweak coverage to fit their particular healthcare situation instead of forcing everyone into rigid tiers. AM Best gave LifeShield a B+ (Good) rating, which shows adequate financial reserves. The trade-off is fewer plan options compared to insurers who've operated in Mississippi for decades.

Atlantic Capital

MoneyGeek Rating

4.3/ 5

4.9/5Affordability

3.9/5Pricing Style

3.3/5Plan Availability

Average Plan G Rate
$135
Plan Types
A, F, G, K, N

pros
- Plan K runs just $84 monthly, the lowest in Mississippi
- Five popular plan types available (A, F, G, K, N)
- Strong financial stability with good ratings
cons
- Attained Age Pricing increases your premiums as you get older
- Missing cost-sharing Plan L option
- High-deductible Plan G isn't available
Atlantic Capital serves the Southeast and has carved out space in Mississippi's Medicare Supplement landscape. The insurer beats competitors on Plan K pricing at $84 per month, saving you $28 compared to what others charge.

You get five plan choices: A, F, G, K and N. Premiums range from $46 up to $213 based on which coverage level fits your needs. Expect your costs to climb each birthday since Atlantic Capital ties pricing to your age.

Wellness programs and telehealth access come standard with Atlantic Capital policies. These extras add value beyond what Medicare Supplement plans typically cover. The company earned a B+ from AM Best, signaling it has adequate financial reserves to handle claims for Mississippi policyholders.

Transamerica

MoneyGeek Rating

4.3/ 5

4.7/5Affordability

4.2/5Pricing Style

3.6/5Plan Availability

Average Plan G Rate
$188
Plan Types
A, B, C, D, F, G, K, L, M, N

pros
- Plan L costs just $124 monthly, Mississippi's lowest rate
- All plan types available
- Best rates for cost-sharing Plans K and L
cons
- Attained Age Pricing increases your premiums as you get older
- High-deductible Plan G isn't available
Transamerica stands apart in Mississippi by offering every standardized Medigap plan. Most insurers skip a few options, but Transamerica gives you access to all 10. Plan L wins on price at $124 each month, beating the state average by $47. Seniors who want cost-sharing without massive premiums gravitate toward this plan.

Premiums start at $84 for basic coverage and climb to $396 for comprehensive plans. Plan A sits at the entry level while F and G deliver fuller protection. Your costs will increase annually since Transamerica ties rates to your current age. The benefit is picking coverage that matches both your health situation and monthly budget.

AM Best rated Transamerica A (Excellent), confirming the insurer maintains strong enough finances to pay Medicare Supplement claims reliably.

Find Mississippi Medicare Supplement Plans That Fit Your Needs

Your needs may differ from these popular choices. Use the filterable table below to find the best Mississippi Medicare Supplement company that matches your specific situation.

Data filtered by:


LifeShield National	G	No	65	$123	$0	No Data
MedMutual Protect	G	No	65	$128	$0	No Data
Atlantic Capital	G	No	65	$135	$0	No Data
Blue Cross Blue Shield	G	No	65	$142	$0	No Data
Wellcare	G	No	65	$145	$0	No Data
AFLAC	G	No	65	$147	$0	No Data
Physicians Select	G	No	65	$147	$0	No Data
Nassau	G	No	65	$150	$0	No Data
WoodmenLife	G	No	65	$152	$0	No Data
Humana	G	No	65	$155	$0	No Data

Mississippi Medicare Supplement Plan Cost

Medicare Supplement insurance premiums for 65-year-olds in Mississippi run from $112 to $299 a month, and the plan letter drives that spread. More coverage raises the premium, so the plan letter matters. Rates also change by insurer.

Plan K is the cheapest at $112 monthly, while Plan C sits at the top at $299. Plan G is Mississippi’s most popular choice and averages $224 per month for broad benefits. Plan N averages $177 if you’d like strong coverage without the higher premium. And other lower-cost options include Plan M at $119, Plan L at $171 and Plan D at $183 each month.


A	$189	$2268
B	$246	$2952
C	$299	$3588
D	$183	$2196
F	$270	$3240
G	$224	$2688
K	$112	$1344
L	$171	$2052
M	$119	$1428
N	$177	$2124

How to Choose the Best Mississippi Medicare Supplement Plan

Federal law standardizes Medicare Supplement plans in Mississippi. Plan G covers the same things whether you buy it from Transamerica or Blue Cross. Insurers compete on price since the benefits match. Each letter plan pays for different expenses. You choose by weighing your monthly premium against what you'll spend when you need care.

Most Comprehensive Coverage

Plan G: Comparable to Plan F, covers everything except Part B deductible.
Plan F: Covers all gaps including Part B deductible and excess charges (closed to new members as of 2020).

Best Value Options

Plan D: Strong coverage without Part B deductible or excess charges.
Plan N: Extensive benefits with minor copays and lower premiums.

Budget-Friendly Choices

Plan L: Comparable to Plan K with 75% cost-sharing and lower out-of-pocket limit of $4,000.
Plan K: Most affordable premiums with 50% cost-sharing and out-of-pocket limit of $8,000.
Plan M: Covers 50% of Part A deductible with moderate premiums.

Premium Coverage

Plan C: Provides Part B deductible and foreign travel emergency coverage (not available for new enrollees as of 2020).

Learn More: What Does Medicare Cover and Not Cover?

How to Find the Best Mississippi Medicare Supplement Company

Your next step involves evaluating Mississippi Medicare Supplement companies to find the right insurer for your needs. Three critical areas determine which provider offers the best combination of value and service.

1
Customer Satisfaction and Complaints
Companies get complaints about service, so check these ratings to find insurers you can trust. Review customer satisfaction scores from J.D. Power and the NAIC. These sources show how companies actually perform and whether they deliver on promises.
2
Plan Pricing
The same plan costs different amounts depending on which insurer sells it. Compare prices side by side to get the best value without giving up quality coverage or reliable service. Find competitive rates that still give you the benefits and support you need.
3
Added Benefits
Some insurers offer discounts on services like gym memberships. These extras add value to your coverage, including Medigap plans. Think about how these perks might lower your total health care costs when you're choosing between companies.

Mississippi Medicare Resources

Mississippi residents needing Medicare Supplement information can access these statewide programs:

State Health Insurance Assistance Program (SHIP): Mississippi administers SHIP through the Department of Human Services Division of Aging and Adult Services, where trained volunteers answer Medicare questions without charge. Volunteers help beneficiaries understand Medicare benefits, organize medical bills, file appeals, compare Medigap policies and evaluate Medicare Advantage plans. Call (844) 822-4622 toll-free or (601) 709-0624 for Jackson-area residents, Monday through Friday 8 a.m. to 5 p.m. Volunteers also check eligibility for Medicare Savings Programs that reduce premiums and prescription costs.
Mississippi Insurance Department: The department reviews consumer complaints about insurance companies and agents, including Medicare Supplement insurers. Submit complaints through the online Consumer Portal or download complaint forms to mail, fax or email. Call the consumer helpline at (800) 562-2957 toll-free or (601) 359-2453 in Jackson. The Consumer Services Division reviews your complaint and contacts the company within two business days after receiving complete documentation.
Division of Aging and Adult Services - Area Agencies on Aging: Regional agencies throughout Mississippi counties partner with DAAS to fund senior programs including congregate meals at senior centers, home-delivered meals for homebound residents, transportation to medical appointments and homemaker services for daily living assistance. Agencies also support the Mississippi Access to Care Network, which connects residents to long-term care resources through a no-wrong-door system. Search for your county's Area Agency contact through the MDHS website.
Medicare.gov: View all Medicare Supplement insurers licensed in Mississippi by entering your ZIP code. The plan finder shows which of the 38 companies sell coverage in your area and compares their monthly premiums for identical plan letters.

Medicare Supplement Plans in Mississippi: FAQ

Common questions about Medigap coverage in Mississippi answered below.

What does Medigap cover in Mississippi?

Medigap fills gaps in Original Medicare by covering Part A and Part B deductibles, coinsurance, copayments, and the first three pints of blood. Certain plans also handle Part B excess charges, skilled nursing facility coinsurance, and foreign travel emergencies. However, Medigap excludes prescription drugs, dental, vision and long-term care services.

Are Medicare Supplement plans worth it?

These plans suit people who want predictable costs and access to providers nationwide. Seniors with ongoing medical needs often favor coverage that keeps out-of-pocket spending low. Those without extra savings for unexpected bills may also value the added cost protection. Healthier adults with stronger finances may prefer Original Medicare for its lower monthly premiums.

When can I enroll in Medigap plans in Mississippi?

Mississippi residents can apply for a Medigap plan at any time, but the most favorable window opens during the six months after you turn 65 and enroll in Medicare Part B. During this period, insurers accept applications without reviewing health history. After the window closes, coverage decisions may depend on medical underwriting, and approval is no longer guaranteed.

Can I switch from Medicare Advantage to Medigap in Mississippi?

Yes, you can switch from Medicare Advantage to Medigap in Mississippi, but insurers will evaluate your health and may deny coverage or charge higher premiums based on medical conditions. The ideal time to make this switch is during your Medigap Open Enrollment Period when you turn 65. Outside this window, guaranteed coverage rights are limited to specific qualifying situations.

Our Review Methodology

MoneyGeek collected data for all Medicare plans in Mississippi for 65-year-olds and 75-year-olds, using the plan browsing tool at Medicare.gov. Unless otherwise noted, the data in this article references quotes pulled for 65-year-olds in the state.

We scored Medigap companies in Mississippi based on three main categories to create a weighted score out of 5:

Affordability (50%): Providers with the lowest monthly cost score higher.
Pricing style (20%): Medigap insurers use three methods to determine premiums: Community Pricing, Issue-Age Pricing and Attained Age Pricing. We gave higher scores for pricing styles that are more stable and equitable, as follows: Community Pricing 1.0, Issue-Age Pricing 0.8, Attained-Age Pricing 0.6. Using this scaling, a slightly higher-cost community-rated plan can still score higher overall than a cheaper but more volatile attained-age plan.
Plan availability (30%): Providers with a wider range of plan types score higher, with weighted scoring given to the most popular plan types like Plan G, Plan F and Plan N.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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Best Medicare Supplement Plans in Mississippi (2026)

Best Cheap Medicare Supplement Companies in Mississippi

Find Mississippi Medicare Supplement Plans That Fit Your Needs

Mississippi Medicare Supplement Plan Cost

How to Choose the Best Mississippi Medicare Supplement Plan

How to Find the Best Mississippi Medicare Supplement Company

Mississippi Medicare Resources

Medicare Supplement Plans in Mississippi: FAQ

What does Medigap cover in Mississippi?

Are Medicare Supplement plans worth it?

When can I enroll in Medigap plans in Mississippi?

Can I switch from Medicare Advantage to Medigap in Mississippi?

Our Review Methodology

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