Best Medicare Supplement Plans in Mississippi 2026
Mississippi has 38 carriers competing for Medigap business, keeping Plan G rates among the lowest in the South. LifeShield National offers Plan G from $123/mo, saving $101/mo vs. the state average. New Era offers Plan N from $83/mo. Mississippi does not have a birthday rule.
Mississippi Does Not Have a Birthday Rule
Mississippi does not give policyholders an annual window to switch Medigap plans without medical underwriting. Your initial Open Enrollment Period (the 6 months after you turn 65 and enroll in Part B) is the most important window for securing coverage. After that window closes, carriers can use medical underwriting to approve or deny your application. Enroll in the best plan you can afford during your initial Open Enrollment Period.
More than 150,000 Mississippi residents have Medicare Supplement Insurance, also called Medigap. Mississippi has 38 carriers licensed to sell Medigap plans, one of the larger markets in the South. This competition keeps Plan G rates among the lowest in the country, with LifeShield National at $123/mo, saving $101/mo vs. the state average of $224/mo.
Plan G is the most popular choice for new enrollees, covering nearly all Medicare out-of-pocket costs except the annual Part B deductible ($283 in 2026). Plan G premiums in Jackson range from $123/mo (LifeShield National) to over $188/mo (Transamerica) for a 65-year-old. Mississippi does not have a birthday rule, so your initial Open Enrollment Period is the most important window for securing coverage without medical underwriting.
LifeShield National is the standout carrier for Plan G value at $123/mo. MedMutual Protect offers the lowest Plan F ($142/mo) and uses issue-age pricing, which locks your premium at your enrollment age. New Era offers the lowest Plan N ($83/mo), Plan A ($95/mo), and Plan M ($84/mo). Blue Cross Blue Shield of Mississippi is the local carrier with the strongest provider network across Jackson, Gulfport, and rural Mississippi. Transamerica is the only carrier offering all 10 plan types with issue-age pricing.
Compare the Best Medicare Supplement Plans in Mississippi
Our top-rated Medigap carriers in Mississippi, ranked by the MedicareFAQ Score. Rates shown are for a 65-year-old in the Jackson area and are updated for 2026.
LifeShield National
Plan G
$123/mo
Plan N
$N/A
AM Best
A-
LifeShield National offers the lowest Plan G in Mississippi at $123/mo, saving $101/mo vs. the state average of $224/mo. The carrier focuses on Plans A, F, G, and N with competitive pricing across all four options.
MedMutual Protect
Plan G
$128/mo
Plan N
$N/A
AM Best
A+
MedMutual Protect offers the lowest Plan F in Mississippi at $142/mo and uses issue-age pricing, which locks your premium at your enrollment age. Plan G is $128/mo, the second-lowest in the state.
New Era
Plan G
$38/mo
Plan N
$83/mo
AM Best
A-
New Era offers the lowest Plan A ($95/mo), Plan M ($84/mo), and Plan N ($83/mo) in Mississippi. Plan N at $83/mo is the lowest in the state, saving $94/mo vs. the average. Six plan types available including less common Plans M and D.
Blue Cross Blue Shield of Mississippi
Plan G
$142/mo
Plan N
$N/A
AM Best
A
Blue Cross Blue Shield of Mississippi offers the lowest Plan B ($133/mo), Plan C ($156/mo), and Plan D ($141/mo) in the state. The local carrier has a strong provider network across Jackson, Gulfport, and rural Mississippi.
Transamerica
Plan G
$188/mo
Plan N
$N/A
AM Best
A
Transamerica is the only carrier offering all 10 standardized Medigap plan types in Mississippi. Issue-age pricing locks your premium at your enrollment age. Lowest Plan L at $124/mo.
Mississippi Medigap Premium Comparison
Monthly premiums for a 65-year-old in Jackson, Mississippi. Rates are for standard Plan G, Plan N, and Plan F. Premiums vary by ZIP code, age, gender, and tobacco use.
| Insurance Company | Plan G Monthly | Plan N Monthly | Plan F Monthly |
|---|---|---|---|
| LifeShield National | $123/mo | $N/A | $N/A |
| MedMutual Protect | $128/mo | $N/A | $142/mo |
| Atlantic Capital | $135/mo | $N/A | $N/A |
| Blue Cross Blue Shield MS | $142/mo | $N/A | $N/A |
| Wellcare | $145/mo | $N/A | $N/A |
| New Era | $38/mo (HDG) | $83/mo | $N/A |
| Transamerica | $188/mo | $N/A | $N/A |
| Mutual of Omaha | $N/A | $N/A | $N/A |
Rates are for a 65-year-old in Jackson, Mississippi. N/A indicates the plan is not offered by that carrier in Mississippi. Plan F is only available to Medicare beneficiaries who became eligible before January 1, 2020. Source: carrier rate filings, updated 2026.
Plan G vs. Plan N in Mississippi
Plan G and Plan N are the two most popular Medigap plans for new enrollees in Mississippi. Here is how they compare.
| Feature | Plan G | Plan N |
|---|---|---|
| Monthly premium (lowest MS rate) | $123/mo (LifeShield National) | $83/mo (New Era) |
| Part A hospital coinsurance | Covered | Covered |
| Part B coinsurance (20%) | Covered | Covered (with copays) |
| Part B deductible ($283) | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Office visit copay | None | Up to $20 |
| ER visit copay (no admission) | None | Up to $50 |
| Switching without underwriting | Only during OEP or qualifying event | Only during OEP or qualifying event |
| Best for | Frequent care, excess charge protection | Healthy seniors, lowest monthly cost |
Mississippi has no birthday rule, so your initial Open Enrollment Period is your most important window. Choose wisely. LifeShield National at $123/mo is the lowest Plan G in Mississippi, saving $101/mo vs. the state average. If you want long-term rate stability, MedMutual Protect at $128/mo uses issue-age pricing, which locks your premium at your enrollment age. For the lowest Plan N, New Era at $83/mo saves $94/mo vs. the average. If you want all 10 plan types with issue-age pricing, Transamerica is the only option in Mississippi. Call Mississippi SHIP at (844) 822-4622 for free help comparing plans during your Open Enrollment Period.
Mississippi Medigap Rules You Should Know
No Birthday Rule
Mississippi does not have a birthday rule. Outside of your initial Open Enrollment Period (the 6 months after you turn 65 and enroll in Part B), carriers can use medical underwriting to approve or deny your application. Your initial Open Enrollment Period is the most important window for securing coverage.
Attained-Age Pricing Dominant
Most carriers in Mississippi use attained-age pricing, meaning your premium increases as you get older. MedMutual Protect and Transamerica use issue-age pricing, which locks your premium at your enrollment age. Issue-age plans often cost more initially but save money long-term.
38 Carriers Licensed
Mississippi has 38 carriers licensed to sell Medigap plans, one of the larger markets in the South. This competition keeps Plan G rates among the lowest in the country, with LifeShield National at $123/mo.
Under-65 Coverage Not Required
Mississippi does not require carriers to offer Medigap to Medicare beneficiaries under age 65 who qualify due to disability. Some carriers voluntarily offer coverage. Contact Mississippi SHIP at (844) 822-4622 for guidance.
Excess Charges Allowed
Mississippi allows providers to charge up to 15% above the Medicare-approved amount (excess charges). Plan G covers excess charges; Plan N does not. If you see providers who do not accept Medicare assignment, Plan G provides better protection.
SHIP Free Counseling Available
Mississippi SHIP counselors are available Monday through Friday 8 a.m. to 5 p.m. at (844) 822-4622 (toll-free) or (601) 709-0624 (Jackson area). Counselors help you compare plans, understand your rights, and check eligibility for Medicare Savings Programs.
MedicareFAQ Scoring Methodology
The MedicareFAQ Score rates Medicare Supplement carriers on a scale of 1.0 to 5.0 based on five key factors. Our ratings are independent and not influenced by advertising relationships.
Affordability
Monthly premium for Plan G at age 65 compared to the Mississippi state average of $224/mo.
Financial Strength
AM Best rating: A++ (Superior), A+ (Superior), A (Excellent), A- (Excellent), or lower.
Plan Availability
Number of plan types offered in Mississippi, with extra weight for Plans G, N, and F.
Pricing Method
Issue-age pricing scores higher than attained-age pricing for long-term cost stability.
Customer Satisfaction
NAIC complaint ratio and J.D. Power scores where available.
Last updated: May 2026 | Data sources: NAIC complaint ratios, AM Best ratings, carrier rate filings, CMS Medicare Plan Finder
Frequently Asked Questions
Mississippi Has No Birthday Rule: Enroll Right During Your Open Enrollment Period
LifeShield National offers Plan G from $123/mo, saving $101/mo vs. the state average. MedMutual Protect uses issue-age pricing to lock in your rate at enrollment. Call Mississippi SHIP at (844) 822-4622 for free help.