MEDICARE
SUPPLEMENT
SHOPPER'S
GUIDE
1-800-562-2957
WWW.MID.MS.GOV
1001 WOOLFOLK STATE OFFICE BUILDING
501 N. WEST STREET
JACKSON, MS 39201
Commissioner Mike Chaney
Since 2002, the Mississippi Insurance Department (MID) has offered its
Mississippi Medicare Supplement Shopper’s Guide as a means of reaching out
to you on Medicare.
We hope that this guide will be of assistance to you as you plan for your needs.
MID is here to provide information and service in all areas of insurance.
This is one of many consumer-related publications we have available. You may
find other information useful to you by contacting us or by visiting our website
at www.mid.ms.gov.
Our Consumer Services Division is available to provide any additional help you
may need. Please contact them at 601-359-3569 in the Jackson area or
statewide toll-free at 1-800-562-2957.
We look forward to assisting you in becoming an informed insurance
consumer.
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HOW TO USE THIS GUIDE
Premiums are subject to change and may increase whenever
Medicare benefits change or as a result of increasing health care costs.
For information on premiums for all ages, particularly for plans with
attained age rates, you should contact a representative of the
company.
Most insurers offer more frequent methods of payment such as
monthly or quarterly. For information regarding methods of payment,
you should contact a representative of the company.
The period during which pre-existing conditions will not be covered
will vary by company; however, pre-existing conditions may not be
excluded for more than six months. It is possible to shorten or
eliminate the six-month period by using creditable coverage from a
prior health plan.
Unless you have a guaranteed issue right. If you are age 65 or older,
you have a guaranteed issue right within 63 days of when you lose
or end certain kinds of health care coverage.
When you have a guaranteed issue right companies must sell you a
Medigap policy at the best available rate, regardless of your health
status, and they cannot deny you coverage.
For more information regarding any of the plans offered by a particular
insurer, you should contact a representative of the company. If you
have general questions regarding Medicare Supplement insurance,
you may contact us at:
When comparing rates, you should keep in mind the following points.
MID CONSUMER SERVICES
P.O. Box 79
Jackson, MS 39205
www.mid.ms.gov
Telephone:
601-359-3569 or
(800) 562-2957
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HOW TO USE THIS GUIDE
In addition, counseling services are available to provide advice
concerning your purchase of Medicare Supplement insurance and
concerning Medicaid. This service is provided without charge.
For information regarding counseling services, you may contact:
Division of Aging and Adult Services
Mississippi Department of Human Services
750 N. State Street
Jackson, MS 39202
https://www.mdhs.ms.gov/adults-seniors/services-for-seniors-/state-
health-insurance-assistance-program%20/
Telephone 601-359-4500
More information about selecting a Medicare Supplement (Medigap)
policy is available in the GUIDE TO HEALTH INSURANCE FOR PEOPLE
WITH MEDICARE, “Choosing a Medigap Policy.”
To obtain your free copy, please call 1-800-633-4227. For hearing and
speech impaired call TTY/TDD at 1-877-486-2048. Please allow 3 weeks
for delivery. You may also access information about Medicare on the
federal website, www.Medicare.gov.
The contents of this document are intended to convey general information only and not
provide legal advice or opinions. It should not be construed as and should not be relied
upon for legal advice in any particular circumstance or fact situation. The information
presented herein may not reflect the most current legal developments as frequent
developments may occur. No action should be taken in reliance on the information
contained herein, and we disclaim all liability in regard to actions taken or not taken
based on any or all of the contents of this document to the fullest extent permitted by
law.
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WHERE TO GO FOR HELP
understand your Medicare benefits
organize doctor and hospital bill
file Medicare appeals
review Medicare Supplemental Insurance (Medigap)
evaluate Health Maintenance Organization options
understand Medicaid eligibility
explore long-term care options
State Health Insurance Assistance Program (SHIP) is a counseling
program designed to answer seniors’ questions about health
insurance. Volunteers are trained to answer questions, compare
policies, organize paperwork and help with claims and filing appeals
on Medicare, Medicaid, supplemental insurance, and other coverage.
There is no charge for the counseling services of SHIP volunteers.
SHIP volunteers can help you:
CONTACT YOUR SHIP
State Health Insurance Assistance Program (SHIP)
Call
601-359-4500
Website
http://www.mdhs.ms.gov/adults-seniors/services-for-seniors/state-
health-insurance-assistance-program/
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Three months before you reach age 65, you become eligible to apply
for Medicare, whether or not you are still covered under an employer
or union-sponsored health plan. If you aren’t already receiving Social
Security or Railroad retirement, you have to apply for Medicare. To
apply for Medicare, call your local Social Security Office.
If you continue working after your 65th birthday, the three months
begin as soon as you retire. If you apply in these first three months,
your Medicare coverage will start on the first day of the month you
turn 65. Your enrollment period ends three months after the month of
your 65th birthday. If you apply during your birthday month or the
next three months, coverage will be delayed for 1-3 months.
If you miss your enrollment period, you will have to wait until the
following January. You will not be covered until July, and you may
have to pay more for coverage.
STILL WORKING? COVERED BY YOUR EMPLOYER?
Talk to your employer’s health benefits office. You have a choice of
joining Medicare now or waiting until you retire. Companies with over
20 workers must continue to offer you the same health benefits they
offer younger workers. If an employee works for an employer with
fewer than 20 employees, the employee that is Medicare eligible we'll
need to enroll in Medicare to have primary insurance because health
care coverage from employers with fewer than 20 employees pays
secondary to Medicare.
RETIRED? COVERED BY YOUR RETIREMENT PLAN?
Review the retirement plan very carefully! Many plans require you to
enroll in Medicare as soon as you are eligible. If you are a retired
teacher or government employee, the retiree health plan will pay very
little if you do not have Medicare. Many employers and unions have
similar retirement plans.
APPLYING FOR MEDICARE
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When you haven’t been in a SNF or a hospital for at least 60 days in
a row.
If you remain in a SNF, when you haven’t gotten skilled care there
for at least 60 days in a row.
Medicare Part A, which is fully funded by the federal government,
covers part of your hospital expenses (except for large deductibles) for
defined periods. You can get up to 100 days of Skilled Nursing Facility
(SNF) coverage in a benefit period. Once you use those 100 days, your
current benefit period must end before you can renew your SNF
benefits.
Your benefit period ends:
There’s no limit to the number of benefit periods you can have.
However, once a benefit period ends, you must have another 3-day
qualifying hospital stay and meet these Medicare requirements before
you can get up to another 100 days of SNF benefits.
Medicare Part B, covers 80% of approved medical expenses (doctor
bills, therapists, some tests). You (or your insurance company) pay any
part of your bill that Medicare does not pay. Although the coverage
provided by Medicare is basically sound, for many seniors, there will be
wide, expensive gaps between this coverage and total costs, gaps that
can cost thousands of dollars in medical bills.
WHAT MEDICARE COVERS
Deductible: Amount you pay for Medicare-approved expenses before
Medicare starts to pay.
Coinsurance (co-payment): Part of each bill you must pay after you’ve
paid the deductible.
Not Covered: Services Medicare does not pay for, but you do.
MEDICARE GAPS: WHAT YOU PAY
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Medicare has an “approved amount” for every Medicare-eligible
service. Medicare often approves less than doctors can actually
charge. Under Part B, Medicare usually pays 80% of the approved
charge, leaving 20% for you to pay. The Mississippi Insurance
Department publishes this guide to help you spot the gaps and find
the solutions you can best afford. This guide should help you better
understand your choices and make the decisions that best fit your
needs. If you’re still confused or need help with other health insurance
problems, help is just a phone call away to the State Insurance
Assistance Program (SHIP), Mississippi's free health insurance
counseling service.
MEDICARE APPROVED EXPENSES
Purchase a Medicare Supplement insurance policy, also known as
Medigap insurance.
Purchase a Medicare Part C plan. (Refer to Medicare and You 2022
for more details on these plans.)
Continue group coverage through your current or former
employer or through your spouse’s family plan.
To fill the gaps in Medicare coverage, you can choose from one of
several options:
FILLING THE MEDICARE GAPS
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In November 1990, Congress passed legislation that required all states
to adopt regulations standardizing Medicare Supplement insurance
policies. As a result, effective May 1, 1992, Mississippi regulation now
requires that all Medicare Supplement insurance be sold only in ten
standard benefit packages. The basic plan, Plan A, consists of a core
benefit package and must be made available by all Medicare
Supplement insurers. The other ten plans, Plans A through N,
consisting of the core benefits, pay a variety of additional benefits and
may or may not be offered by every company. A summary of the
benefits of each of the ten standard plans is listed later in this
publication. For additional information, you should consult the “Guide
to Health Insurance for People with Medicare” which is available from
your insurance company or from the federal government.
In July 1995, Congress allowed “Medicare SELECT” products to be
marketed in Mississippi. Medicare SELECT policy is the same as a
standard Medicare Supplement insurance policy in nearly all respects
because you are really buying one of the ten standard Medicare
supplement plans A through N.
The only difference is that under Medicare SELECT, each insurer has
preferred providers that you must use, except in an emergency, in
order to be eligible for full benefits. Benefits are not usually payable if
you do not use preferred providers for non-emergency situations.
Medicare, however, will pay its share of approved charges regardless
of the provider you choose. You will generally see lower premiums
under these policies due to the preferred provider arrangements. You
may opt at any time to return to a standard Medicare Supplement
insurance policy provided that one is available through your insurance
company. Otherwise, you can apply with another insurance company
and you will be given credit for time served under the prior policy,
i.e., the time will count toward the pre-existing condition limitation
under your new policy.
DON'T THROW AWAY MONEY BY
PAYING FOR MORE THAN ONE PLAN
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In 2005, two new Medicare Supplement plans, K and L, were
introduced. They have additional benefits which differ from the other
Medigap Plans. You will pay part of the cost-sharing of some covered
services until you meet the annual out-of-pocket limit of $5,560 for Plan
K, or $2,780 for Plan L. Please note, however, that the Part B deductible
does not apply to the out-of-pocket limit. Remember that Medigap
policies sold after January 1, 2006, do not contain prescription drug
coverage. If you want prescription drug coverage, you can join a
Medicare Prescription Drug Plan (Part D) offered by private companies
approved by Medicare.
DON'T THROW AWAY MONEY BY
PAYING FOR MORE THAN ONE PLAN
MEDIGAP RIGHTS AND PROTECTIONS
Cannot deny you Medigap coverage or place conditions on a policy
Must cover you for all pre-existing conditions, and
Cannot charge you more for a policy because of past or present
In some situations, you have the right to buy a Medigap policy outside of
your Medigap open enrollment period. These rights are called “Medigap
protections.” They are also called guaranteed issue rights because the
law says that insurance companies must sell you a Medigap policy. In
these situations, an insurance company:
(like making you wait for coverage to start),
health problems.
In many cases, these rights apply when your health care coverage
changes. Medicare (www.medicare.gov or 1-800-633-4227) can give you
more information on these guaranteed rights. Remember, it is best not
to wait until your current health coverage has almost ended before you
apply for a Medigap policy. You can apply for a Medigap policy early (for
example, while you are still in your health care plan) and choose to start
your Medigap coverage the day after your health care plan coverage
ends. This will prevent gaps in your health coverage.
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There are two types of premium schedules that insurers generally use.
Under an issue age schedule, the insurer charges a premium based on
your age when your policy was first issued. Although your premium will
likely increase due to inflation and changes in benefits provided by
Medicare (and therefore changes in benefits of the Medicare
supplement), the insurer cannot increase your premium simply
because you have gotten older.
Under an attained age schedule, the insurer charges a premium based
on your age on each premium due date. With this type of schedule,
your premium is not only likely to increase due to inflation and changes
in benefits provided by Medicare, but also because you have gotten
older.
ISSUE AGE OR ATTAINED AGE
PREMIUM
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MEDICARE SUPPLEMENT INSURANCE MEDIGAP PLANS
The chart above shows basic information about the different benefits Medigap policies cover. If a percentage
appears, the Medigap plan covers that percentage of the benefit, and you’re responsible for the rest.
Do not base your choice on a policy based solely on this guide, research the policy you are considering
carefully so that you are certain it meets all your needs.
* Plan F and Plan C are not available to Medicare beneficiaries who became eligible for Medicare on or after
January 1, 2020. If you became eligible for Medicare before 2020, you may still be able to enroll in Plan F or
Plan C as long as they are available in your area.
1 Plan F and G offer high-deductible plans that each has an annual deductible of $2,490 in 2022. Once the
annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high-deductible
Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2 Plan K has an out-of-pocket yearly limit of $6,620 in 2022. After you pay the out-of-pocket yearly limit and
yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.
3 Plan L has an out-of-pocket yearly limit of $3,310 in 2022. After you pay the out-of-pocket yearly limit and
yearly Part B deductible, it pays 100% of covered services for the rest of the calendar year.
° Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and
up to $50 copayments for emergency room visits that don't result in an inpatient admission.
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CORE BENEFITS
These benefits pay the patient’s share of Medicare’s approved amount for
physician services (generally 20%) after a $183 annual deductible, the
patient’s cost of a long hospital stay-$335/day for days 61-90, $670/day for
days 91 and beyond, per each “lifetime reserve day” after day 90 for each
benefit period (up to 60 days over your lifetime).
Their benefits are a “basic” benefit with a $250 annual deductible, 50%
coinsurance, and a $1,340 deductible for each benefit period. (Plans H and
I are no longer available).
HIGH DEDUCTIBLE OPTION
Insurance companies may offer a high deductible on Plan F. (Plan J is no
longer available.) If you choose this option, you must pay a $2,300
deductible per year before the plan pays anything.
The monthly premium for Medigap Plan F with a high deductible option
will generally be less than the monthly premium for Plan F without a high
deductible. Plan F is no longer available to purchase. Those with existing
policies may keep them.
APPLYING FOR MEDIGAP INSURANCE
Applying for Medigap insurance is similar to applying for traditional health
insurance. In most cases, you must meet a company’s underwriting
requirements, some of which may be stricter than others. Many insurance
companies will reject your application if you have a serious health
problem but, if you are a Medicare recipient 65 or older, you have an open
enrollment period when a company cannot reject you because of poor
health. Every company must accept you for any policy it sells at its lowest
prices for customers in your age group. Your open enrollment period
starts the first month you are at least 65, enrolled in Medicare Part B, and
ends six months later.
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OPEN ENROLLMENT UNDER 65
Persons under age 65 who qualify for Medicare due to disability also have
an open enrollment period of six months starting the month they qualify
for Medicare. In the event of retroactive Part B eligibility determination by
Medicare, the six-month open enrollment period begins on the date of the
Medicare determination. If you are under age 65 and bought a Medigap
policy during your disability open enrollment, remember that you will have
a new six-month open enrollment period when you turn age 65. This
is important because disability Medigap policies are usually priced higher
(as much as 50%) than age 65 Medigaps.
WHAT IS OPEN ENROLLMENT?
Beginning the first day of the month in which you and/or your spouse are
age 65 or older and enrolled in Medicare Part B, you will have a six-month
open enrollment period for purchasing Medicare Supplement insurance.
During this time, you may not be turned down for Medicare Supplement
insurance based on your health. The insurer may, however, exclude pre-
existing health conditions for up to six months. It is possible to shorten or
eliminate this period by using creditable coverage from a prior health plan.
Since you have only a limited open enrollment period, it is important to
take advantage of it.
An insurer shall not deny or condition the issuance or effectiveness of any
Medicare Supplement policy or certificate available for sale in this state, nor
discriminate in the pricing of a policy or certificate because of the health
status, claims experience, receipt of health care, or medical condition of an
applicant in the case of an application for a policy or certificate that is
submitted prior to or during the six month period beginning with the later
of 1) the first day of the month in which an individual is enrolled for benefits
under Medicare part B or 2) in the event of retroactive approval by
Medicare, the date of approval.
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WHAT IS OPEN ENROLLMENT (CONT.)
Remember that you have a 30-day free look period which starts when your
Medigap policy is first delivered to you. You can change your mind during
this time and return your policy to the company for a refund.
IF YOU HAVE A MEDIGAP AND THEN
GO ON MEDICAID
If you have a Medigap policy and go on Medicaid, you have the right to
suspend the Medigap policy rather than dropping it while you are on
Medicaid. If you do suspend your policy, you do not pay premiums and it
will not pay benefits. You can only suspend a Medigap policy for up to two
years. At the end of the suspension, you can start it up again without new
medical underwriting or pre-existing condition waiting periods. Call your
insurance company to find out how to suspend a policy.
WHEN YOU DON’T NEED TO BUY A
MEDIGAP POLICY
If you are presently enrolled in a Medicare Advantage Plan or are covered
by certain categories of Mississippi Medicaid, you do not need to buy a
Medigap plan. If you are not certain of which Medicaid category you are in,
call the State Medicaid Eligibility office at 601-359-6050 and ask them to
guide you. Remember, if you already had a Medigap plan when you
became eligible for Medicaid, you can ask your insurance company to
suspend your Medigap plan for up to two years. In the event that you lose
Medicaid eligibility during that two years, you can activate your policy
again by paying the premium.
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COMPARING RATES
Approval of a company’s policy by the Mississippi Insurance Department
does not constitute an endorsement by this department.
A company may withdraw or stop selling a policy at their option. This action
does not affect policies previously issued, and benefits will remain as listed
in the policy. You must sign a written agreement to cancel/terminate your
current coverage because an agent is prohibited from selling a
replacement policy without your signature. Unless you will receive much
greater benefits at a significant reduction in premium, please consider the
advantages and disadvantages of buying new coverage. Do not cancel
your existing policy until you review your new policy. Check with the
company whose Medigap you are dropping to see if you are entitled to any
premium refund if you have paid an annual premium or you pay premiums
more frequently than monthly. Some insurance companies may continue
your coverage until the end of the term you paid for but will not refund the
premium.
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WHAT SHOULD I LOOK FOR WHEN I COMPARISON SHOP?
Use the chart below to take notes as you are shopping for a Medicare supplement policy. It is important
to compare the same or similar coverage when you shop.
Before you call any insurance companies, figure out if you’re in your Medigap Open Enrollment
Period or if you have guaranteed issue right. If you have questions, call the Mississippi Department
of Human Services – Division of Aging and Adult Services at (888)240-7539. This chart can help
you keep track of the information you get.
Ask each insurance company...
Company 1
Company 2 Company 3
“Are you licensed in Mississippi?”
NOTE:
If
the answer
is
NO, STOP right there and
tries
another
company.
“Do you sell Medigap Plan ?” (Say the letter of the Medigap Plan
you are interested in.)
NOTE: Insurance companies usually offer some,
but not all,
Medigap
policies. Make sure
the
company sells
the
plan
you
want. Also,
if
you’re interested
in a Medicare
SELECT
or a
high-deductible Medigap
policy, say
so.
“Do you use medical underwriting for this Medicap policy?”
NOTE:
If
the answer
is
NO,
go to the
next question.
If the
answer
is
YES,
but
you
know you’re
in
your Medigap
Open
Enrollment Period
or
have
a
guaranteed issue right
to buy
that Medigap policy,
go to the
next
question. Otherwise,
you can
ask, “Can
you tell me
whether
I am
likely
to
qualify
for the
Medigap
policy?”
“Do you have a waiting period for pre-existing conditions?”
NOTE:
If
the answer
is
YES, ask how long
the waiting period is
and write
it in the
box.
“Do you price this Medigap policy by using community- rating,
issue-age-rating, or attained-age-rating?”
NOTE: Circle
the one
that applies
for
that
insurance company.
Community
Issue-age
Attained-age
Community
Issue-age
Attained-age
Community
Issue-age
Attained-age
“I’m years old. What would my premium be under this
Medigap policy?”
NOTE:
If it’s
attained-age, ask, “How frequently does
the
premium
increase due
to my age?”
“Has the premium for this Medigap policy increased in the last 3 years
due to inflation or other reasons?”
NOTE:
If
the answer
is
YES,
ask
how much
it has increased
and write
it
in the box.
“Do you offer any discounts or additional (innovative)
benefits?”
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When a consumer does not enroll within the specified enrollment
periods.
When a consumer is required to pay monthly premiums for Part A, the
consumer must sign up during the initial enrollment period.
Medicare Advantage Plans are another way to get your Medicare Part A
and Part B coverage. Medicare Advantage Plans, sometimes called “Part
C” or “MA Plans,” are offered by Medicare-approved private companies
that must follow rules set by Medicare. Most Medicare Advantage Plans
include drug coverage (Part D). In most cases, you’ll need to use health
care providers who participate in the plan’s network. These plans set a
limit on what you’ll have to pay out-of-pocket each year for covered
services. Some plans offer non-emergency coverage out of network, but
typically at a higher cost. Remember, you must use the card from your
Medicare Advantage Plan to get your Medicare-covered services. Keep
your red, white, and blue Medicare card in a safe place because you may
need to use your Medicare card for some services. Also, you’ll need it if you
ever switch back to Original Medicare.
DISENROLLMENT COST WHEN LEAVING MEDICARE ADVANTAGE
When consumers move from original Medicare to Medicare Advantage,
they keep their Medicare Part A and Part B benefits. However, enrolling in
a new Medicare Advantage Plan with a drug plan automatically cancels a
Medicare Part D plan.
The cost to switch can be zero, but only under certain circumstances. The
reality is that consumers may face higher premiums and penalties for
changing plans. Some examples are:
If you are concerned about possible penalties, please contact
1-800-Medicare.
MEDICARE ADVANTAGE PLANS
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CIRCUMSTANCES THAT ALLOW DIS-ENROLLMENT FROM A
MEDICARE ADVANTAGE PLAN WITHOUT PENALTY
If a consumer’s employer or union offers more than one plan, then the consumer
can choose to move to a different plan with no penalty. Consumers are also entitled
to a risk-free trial period (Medicare Trial Right). The duration of the Trial Right is the
first year in the Medicare Advantage Program. The consumer can switch back to the
original Medicare without penalty.
SPECIAL CIRCUMSTANCES
When Can I Switch to Original Medicare?
The easiest way to move from Medicare Advantage to Original Medicare is
during one of two annual periods that allow anyone to leave Medicare
Advantage with no questions asked. The second way to leave your Medicare
Advantage plan is if you’ve had it for less than one year (that is: you’re
entitled to a “trial right”).
MEDICARE ANNUAL ELECTION (“MEDICARE OPEN
ENROLLMENT”) AND MEDICARE ADVANTAGE OPEN
ENROLLMENT PERIODS
You can dis-enroll from your Medicare Advantage plan from October 15
through December 7, and again from January 1 through March 31, in favor of
Original Medicare.
MEDICARE ADVANTAGE PLANS
18
If you left Medigap for Medicare Advantage, your trial right allows you to switch
back to your Medigap policy. You cannot become eligible for guaranteed-issued
Medigap by switching to Medicare Advantage and back if you did not previously
have Medigap.
If your Medicare Advantage plan included Part D coverage, your trial right allows
you to enroll in standalone Part D coverage without penalty.
If it isn’t your first time in a Medicare Advantage plan, you’re not eligible to switch
to Original Medicare using a trial right.
MEDICARE ANNUAL ELECTION PERIOD (AEP)
Also known as Medicare open enrollment, AEP lasts from October 15 through
December 7. If you choose to change from one Medicare Advantage plan to a
different one, or if you want to completely disenroll from your Medicare Advantage
plan during this time, the cancellation will take effect on January 1. You can also enroll
in a Medicare Part D prescription drug plan during this time.
CAN YOU ENROLL IN MEDIGAP?
If you’re switching from Medicare Advantage to Original Medicare, you can also
purchase a Medicare Supplement plan. This kind of plan, also known as a Medigap
policy, pays for gaps in Medicare’s coverage.
For instance, Medicare Part B pays 80% of covered costs after you pay your annual
deductible. A Medigap policy would pay the remaining 20% due. But if you’ve missed
your Medigap Open Enrollment Period, an insurer could deny you coverage due to
your health history.
YOUR TRIAL RIGHT
Since Medicare Advantage is different from Original Medicare, you’re entitled to a
risk-free trial during your first year in the Medicare Advantage program. At any point
during your first year in a Medicare Advantage plan, you can switch back to Original
Medicare without penalty.
MEDICARE ADVANTAGE PLANS
19
You can switch from a Medicare Advantage plan to Original Medicare the month
before you move out of your plan’s service area. This opportunity lasts for two full
months after the month you move.
If you wait to tell your Medicare Advantage plan about your move, then you can
switch to Original Medicare for up to two full months after the month that you
inform your plan.
If you don’t inform your Medicare Advantage plan that you’ve left their service
area, then you’ll be enrolled in Original Medicare once your plan learns of this and
disenrolls you.
You can move from Medicare Advantage to Original Medicare for up to two
months after you’re discharged.
CHANGING MEDICARE PLANS: SPECIAL CIRCUMSTANCES
In case this doesn’t give you enough of a chance to leave Medicare Advantage in a
timely fashion, you may be eligible for a number of special dis-enrollment
circumstances as well.
IF YOU MOVE
If you move away from your Medicare Advantage plan’s service area, you can
re-enroll in Original Medicare without penalty. This works even if other Medicare
Advantage plans are available at your new address.
IF YOU’RE ADMITTED TO INSTITUTIONAL CARE
If you’re admitted to any type of long-term care setting, you can switch your plan up
to once per month during your stay if you wanted to leave Medicare Advantage for
Original Medicare. Facilities that qualify as institutional care include: 1.) long-term
hospitals, 2.) skilled nursing facilities (SNFs), 3.) rehabilitation hospitals and units, 4.)
psychiatric hospitals and units, 5.) care facilities for the intellectually disabled, and 6.)
and swing bed hospitals.
MEDICARE ADVANTAGE PLANS
20
While you’re covered under Medicare and Medicaid, you can change that
coverage once a quarter during the first three quarters of the year (and the
annual election period continues to be available during the last quarter of the
year).
If you’re told in advance that you’ll lose your Medicaid coverage for the following
year, you can switch to Original Medicare between January 1–March 31.
You can switch from Medicare Advantage to other coverage whenever the rules
of your union, employer, or PACE plan allow for it.
IF YOU BECOME ELIGIBLE FOR MEDICAID
Once you become eligible for Medicaid benefits, then you can drop your Medicare
Advantage plan and switch to Original Medicare.
IF YOU LOSE YOUR MEDICAID ELIGIBILITY
If you’re covered by both Medicare and Medicaid and then you lose eligibility for
Medicaid, you can switch from Medicare Advantage to Original Medicare up to three
months from the date you lose Medicaid eligibility, or the date you’re notified,
whichever is later.
IF YOU CAN ENROLL IN COVERAGE FROM YOUR UNION,
EMPLOYER, OR A PROGRAM OF ALL-INCLUSIVE CARE FOR THE
ELDERLY (PACE) PLAN
You’re free to leave Medicare Advantage and enroll in certain types of private plans. If
your employer or union offers a plan that you find more appealing than Medicare
Advantage, you can disenroll without penalty.
MEDICARE ADVANTAGE PLANS
21
You’ll want to check with your prescription drug plan to make sure that it
provides you with credible drug coverage.
You can do this at any time, but your ability to enroll in the alternative creditable
drug coverage may be limited by that plan’s rules.
IF YOU ENROLL IN DRUG COVERAGE THAT’S EQUIVALENT TO
MEDICARE PART D (OR YOU ALREADY HAVE THAT COVERAGE)
If you enroll in TRICARE, VA coverage, or another plan that offers comprehensive
prescription drug benefits – and you have a Medicare Advantage plan that includes
prescription drug coverage (also called MAPD) – then you can leave your Medicare
Advantage plan and return to Original Medicare.
For more information about special enrollment periods, call
1-800-MEDICARE (1-800-633-4227). TTY users can call 1-877-486-2048.
MEDICARE ADVANTAGE PLANS
22
The following information is excerpted from the Centers for
Medicare & Medicaid Services 2021 guide to choosing a Medigap policy.
Medicare Supplement Insurance (Medigap) Plans
Benets A B C D
F
*
G* K L M N
Medicare PartA
coinsurance and hospital
costs (up to an additional
365 days aer Medicare
benets are used)
100% 100% 100% 100% 100% 100% 100% 100% 100% 100%
Medicare PartB
coinsurance or copayment
100% 100% 100% 100% 100% 100% 50% 75% 100% 100%
***
Blood (rst 3 pints) 100% 100% 100% 100% 100% 100% 50% 75% 100% 100%
PartA hospice care
coinsurance or copayment
100% 100% 100% 100% 100% 100% 50% 75% 100% 100%
Skilled nursing facility care
coinsurance
100% 100% 100% 100% 50% 75% 100% 100%
PartA deductible 100% 100% 100% 100% 100% 50% 75% 50% 100%
PartB deductible 100% 100%
PartB excess charges 100% 100%
Foreign travel emergency
(up to plan limits)
80% 80% 80% 80% 80% 80%
Out‑of‑
pocket limit
in 2021**
$6,220 $3,110
* Plans F and G also oer a high‑deductible plan in some states (Plan F isn't available to people new to
Medicare on or aer January 1, 2020.) If you get the high‑deductible option, you must pay for Medicare‑
covered costs (coinsurance, copayments, and deductibles) up to the deductible amount of $2,370 in 2021
before your policy pays anything, and you must also pay a separate deductible ($250 per year) for foreign
travel emergency services.
**Plans K and L show how much they'll pay for approved services before you meet your out‑of‑pocket
yearly limit and your Part B deductible ($203 in 2021). Aer you meet these amounts, the plan will pay
100% of your costs for approved services for the rest of the calendar year.
*** Plan N pays 100% of the PartB coinsurance, except for a copayment of up to $20 for some oce visits
and up to a $50 copayment for emergency room visits that don’t result in an inpatient admission.
is chart shows basic information about the dierent benetsthat Medigap plans cover.
If a percentage appears, theMedigap plan covers that percentage of the benet, and you
must pay the rest. If a box is blank, the plan doesn't cover that benet.
23
How do insurance companies set prices for Medigap policies? (continued)
Type of
pricing
Community-
rated
(also called
“no-age-
rated”)
How it’s
priced
What this pricing may
mean for you
Examples
Generally the
same premium
is charged to
everyone who
has the Medigap
policy, regardless
of age or gender.
e premium is
based on the age
you are when
you buy (are
“issued”) the
Medigap policy.
e premium is
based on your
current age
(the age you’ve
“attained”), so
your premium
goes up as you
get older.
Your premium isn’t based on
your age. Premiums may go
up because of ination and
other factors but not because
of your age.
Premiums are lower for people
who buy at a younger age and
won’t change as you get older.
Premiums may go up because
of ination and other factors
but not because of your age.
Premiums are low for
younger buyers but go up
as you get older. ey may
be the least expensive at
rst, but they can eventually
become the most expensive.
Premiums may also go up
because of ination and
other factors.
Mr. Smith is 65. He buys a Medigap
policy and pays a $165 monthly
premium.
Mrs. Perez is 72. She buys the same
Medigap policy as Mr. Smith. She also
pays a $165 monthly premium.
Mr. Han is 65. He buys a Medigap
policy and pays a $145 monthly
premium.
Mrs. Wright is 72. She buys the same
Medigap policy as Mr. Han. Since she
is older when she buys it, her monthly
premium is $175.
Mrs. Anderson is 65. She buys a
Medigap policy and pays a $120
monthly premium. Her premium will
go up each year:
• At 66, her premium goes up to $126.
• At 67, her premium goes up to $132.
Mr. Dodd is 72. He buys the same
Medigap policy as Mrs. Anderson.
He pays a $165 monthly premium.
His premium is higher than Mrs.
Anderson’s because it’s based on his
current age. Mr. Dodd’s premium will
go up each year:
• At 73, his premium goes up to $171.
• At 74, his premium goes up to $177.
Issue-age-
rated (also
called “entry
age-rated”)
Attained-age-
rated
24
Medigap guaranteed issue right situations
e chart on this page and the next page describes the most common situations, under federal law, that
give you a right to buy a policy, the kind of policy you can buy, and when you can or must apply for it.
States may oer additional Medigap guaranteed issue rights.
You have a guaranteed issue
right if...
You’re in a Medicare Advantage
Plan, and your plan is leaving
Medicare or stops giving care in
your area, or you move out of the
plan’s service area.
You have Original Medicare and
an employer group health plan
(including retiree or COBRA
continuation coverage) or union
coverage that pays aer Medicare
pays and that plan is ending.
Note: In this situation, you may
have additional rights under state
law.
You have Original Medicare and
a Medicare SELECT policy. You
move out of the Medicare SELECT
policy’s service area.
Call the Medicare SELECT
insurance company for more
information about your options.
You have the right
to buy...
Medigap Plan A, B, C*, D*, F*,
G*, K, or L that’s sold in your
state by any insurance company.
You only have this right if you
switch to Original Medicare
rather than join another
Medicare Advantage Plan.
Medigap Plan A, B, C*, D*, F*,
G*, K, or L that’s sold in your
state by any insurance company.
If you have COBRA coverage,
you can either buy a Medigap
policy right away or wait until
the COBRA coverage ends.
Medigap Plan A, B, C*, D*, F*,
G*, K, or L that’s sold by any
insurance company in your state
or the state you’re moving to.
You can/must apply for a
Medigap policy...
As early as 60 calendar days
before the date your Medicare
Advantage Plan coverage will
end, but no later than 63 calendar
days aer your coverage ends.
Medigap coverage can’t start until
your Medicare Advantage Plan
coverage ends.
No later than 63 calendar days
aer the latest of these 3 dates:
1. Date the coverage ends.
2. Date on the notice you get
telling you that coverage is
ending (if you get one).
3. Date on a claim denial, if this
is the only way you know that
your coverage ended.
As early as 60 calendar days before
the date your Medicare SELECT
coverage will end, but no later
than 63 calendar days aer your
Medicare SELECT coverage ends.
*Note: Plans C and F are no longer available to people new to Medicare on or aer January 1, 2020. However,
if you were eligible for Medicare before January 1, 2020 but not yet enrolled, you may be able to buy Plan C or
Plan F. People new to Medicare on or aer January 1, 2020 have the right to buy Plans D and G instead of Plans
C and F.
25
You have a guaranteed
issue right if...
(Trial right) You joined a Medicare
Advantage Plan or Program of
All‑inclusive Care for the Elderly
(PACE) when you were rst eligible
for Medicare Part A at 65, and
within the rst year of joining,
you decide you want to switch to
Original Medicare.
(Trial right) You dropped a
Medigap policy to join a Medicare
Advantage Plan (or to switch to a
Medicare SELECT policy) for the
rst time, you’ve been in the plan
less than a year, and you want to
switch back.
Your Medigap insurance company
goes bankrupt and you lose your
coverage, or your Medigap policy
coverage otherwise ends through
no fault of your own.
You leave a Medicare Advantage
Plan or drop a Medigap policy
because the company hasn’t
followed the rules, or it misled you.
You have the right
to buy...
Any Medigap policy that’s sold
in your state by any insurance
company.*
e Medigap policy you had
before you joined the Medicare
Advantage Plan or Medicare
SELECT policy, if the same
insurance company you had
before still sells it.
If your former Medigap policy
isn’t available, you can buy
Medigap Plan A, B, C*, D*, F*,
G*, K, or L that’s sold in your
state by any insurance company.
Medigap Plan A, B, C*, D*, F*,
G*, K, or L that’s sold in your
state by any insurance company.
Medigap Plan A, B, C*, D*, F*,
G*, K, or L that’s sold in your
state by any insurance company.
You can/must apply for a
Medigap policy...
As early as 60 calendar days before
the date your coverage will end,
but no later than 63 calendar days
aer your coverage ends.
Note: Your rights may last
for an extra 12 months
under certain circumstances.
As early as 60 calendar days before
the date your coverage will end,
but no later than 63 calendar days
aer your coverage ends.
Note: Your rights may last
for an extra 12 months
under certain circumstances.
No later than 63 calendar days
from the date your coverage ends.
No later than 63 calendar days
from the date your coverage ends.
Medigap guaranteed issue right situations (continued)
*Note: Plans C and F are no longer available to people new to Medicare on or aer January 1, 2020. However,
if you were eligible for Medicare before January 1, 2020 but not yet enrolled, you may be able to buy Plan C or
Plan F. People new to Medicare on or aer January 1, 2020 have the right to buy Plans D and G instead of Plans
C and F.
26
Medigap Policies for People
with a Disability or ESRD
Medigap policies for people under 65 and
eligible for Medicare because of a disability or
End-Stage Renal Disease (ESRD)
You may have Medicare before turning 65 due to a disability or
ESRD (permanent kidney failure requiring dialysis or a kidney
transplant).
If you’re under 65 and have Medicare because of a disability or
ESRD, you might not be able to buy the Medigap policy you want,
or any Medigap policy, until you turn 65. Federal law generally
doesn’t require insurance companies to sell Medigap policies to
people under 65. However, some states require Medigap insurance
companies to sell you a Medigap policy, even if you’re under 65.
ese states are listed on the next page.
Important: is section provides information on the minimum
federal standards. For your state requirements, call your State
Health Insurance Assistance Program (SHIP).
27
Medigap policies for people under 65 and eligible for Medicare because of a
disability or End-Stage Renal Disease (ESRD) (continued)
At the time of printing this guide, these states required insurance companies to
oer at least one kind of Medigap policy to people with Medicare under 65:
Medigap Policies for People with a Disability or ESRD
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
• Illinois
• Idaho
• Kansas
• Kentucky
• Louisiana
• Maine
• Maryland
• Massachusetts
• Michigan
• Minnesota
• Mississippi
• Missouri
• Montana
• New Hampshire
• New Jersey
• New York
• North Carolina
• Oklahoma
• Oregon
• Pennsylvania
• South Dakota
• Tennessee
• Texas
• Vermont
• Wisconsin
Note: Some states provide these rights to all people with Medicare under 65, while others only
extend them to people eligible for Medicare because of disability or only to people with ESRD.
Check with your State Insurance Department about what rights you might have under state law.
Even if your state isn’t on the list above, some insurance companies may voluntarily
sell Medigap policies to people under 65, although they’ll probably cost you more
than Medigap policies sold to people over 65, and they can probably use medical
underwriting. Also, some of the federal guaranteed rights are available to people
with Medicare under 65. (See pages 21–24.) Check with your State Insurance
Department about what additional rights you might have under state law.
Remember, if you already have Medicare Part B (Medical Insurance), you’ll get a
Medigap Open Enrollment Period when you turn 65. You’ll probably have more
Medigap policy options and be able to get a lower premium at that time. During the
Medigap Open Enrollment Period, insurance companies can’t refuse to sell you any
Medigap policy due to a disability or other health problem, or charge you a higher
premium (based on health status) than they charge other people who are 65.
Because Medicare (Part A and/or Part B) is creditable coverage, if you had
Medicare for more th
an 6 months before you turned 65, you may not have to wait
through a
pre‑existing condition waiting period for coverage you bought during
the Medigap Open Enrollment Period. For more information about the Medigap
Open Enrollment Period and pre‑existing conditions, see pages 16 –17. If you
have questions, call your State Health Insurance Assistance Program (SHIP).
28
Denitions
Assignment—An agreement by your doctor, provider, or supplier
to be paid directly by Medicare, to accept the payment amount
Medicare approves for the service, and not to bill you for any more
than the Medicare deductible and coinsurance.
Coinsurance—An amount you may be required to pay as your
share of the cost for services aer you pay any deductibles.
Coinsurance is usually a percentage (for example, 20%).
Copayment—An amount you may be required to pay as your
share of the cost for a medical service or supply, like a doctor’s visit,
hospital outpatient visit, or a prescription drug. A copayment is
usually a set amount, rather than a percentage. For example, you
might pay $10 or $20 for a doctor’s visit or prescription drug.
Deductible—e amount you must pay for health care or
prescriptions before Original Medicare, your prescription drug plan,
or your other insurance begins to pay.
Excess charge—If you have Original Medicare, and the amount a
doctor or other health care provider is legally permitted to charge is
higher than the Medicare‑approved amount, the dierence is called
the excess charge.
Guaranteed issue rights (also called “Medigap protections”) —
Rights you have in certain situations when insurance companies
are required by law to sell or oer you a Medigap policy. In these
situations, an insurance company can’t deny you a Medigap policy,
or place conditions on a Medigap policy, like exclusions for pre‑
existing conditions, and can’t charge you more for a Medigap policy
because of a past or present health problem.
Where words in BLUE are dened
29
Definitions
Guaranteed renewable policy—An insurance
policy that can’t be terminated by the insurance
company unless you make untrue statements to
the insurance company, commit fraud, or don’t pay
your premiums. All Medigap policies issued since
1992 are guaranteed renewable.
Medicaid—A joint federal and state program that
helps with medical costs for some people with
limited income and resources. Medicaid programs
vary from state to state, but most health care costs
are covered if you qualify for both Medicare and
Medicaid.
Medical underwriting—e process that an
insurance company uses to decide, based on
your medical history, whether to take your
application for insurance, whether to add a
waiting period for pre‑existing conditions (if
your state law allows it), and how much to
charge you for that insurance.
Medicare Advantage Plan (Part C)—A type
of Medicare health plan oered by a private
company that contracts with Medicare. Medicare
Advantage Plans provide all of your Part A and
Part B benets, excluding hospice. Medicare
Advantage Plans include Health Maintenance
Organizations, Preferred Provider Organizations,
Private Fee‑for‑Service Plans, Special Needs
Plans, and Medicare Medical Savings Account
Plans. If you’re enrolled in a Medicare Advantage
Plan, most Medicare services are covered through
the plan and aren’t paid for by Original Medicare.
Most Medicare Advantage Plans oer prescription
drug coverage.
Medicare-approved amount—In Original
Medicare, this is the amount a doctor or supplier
that accepts assignment can be paid. It may be
less than the actual amount a doctor or supplier
charges. Medicare pays part of this amount and
you're responsible for the dierence.
Medicare drug plan (Part D)
—Part D adds
prescription drug coverage to Original Medicare,
some Medicare Cost Plans, some Medicare
Private‑Fee‑for‑Service Plans, and Medicare
Medical Savings Account Plans. These plans are
offered by insurance companies and other private
companies approved by Medicare. Medicare
Advantage Plans may also offer prescription drug
coverage that follows the same rules as Medicare
drug plans.
Medicare SELECT—A type of Medigap policy
that may require you to use hospitals and, in
some cases, doctors within its network to be
eligible for full benets.
Medigap Open Enrollment Period—A
one‑time‑only, 6‑month period when federal law
allows you to buy any Medigap policy you want
that’s sold in your state. It starts in the rst month
that you’re covered under Part B and you’re 65
or older. During this period, you can’t be denied
a Medigap policy or charged more due to past or
present health problems. Some states may have
additional open enrollment rights under state law.
Pre-existing condition—A health problem you
had before the date that new health coverage starts.
Premium—e periodic payment to Medicare, an
insurance company, or a health care plan for health
or prescription drug coverage.
State Health Insurance Assistance Program
(SHIP)—A state program that gets money from
the federal government to give free local health
insurance counseling to people with Medicare.
State Insurance Department—A state agency
that regulates insurance and can provide
information about Medigap policies and other
private health insurance.
30
Companies Selling Medicare Supplement Polices
in Mississippi
31
Company
Phone#
AetnaLifeInsuranceCompany 151
FarmingtonAve.
RW61 Har
tf
ord CT
06156‐
9154
(860) 273‐0123
AetnaLifeInsuranceCompany P.O.Box14770 Lexington KY 40512‐
4770
(800)871‐0260
AmericanContinental
InsuranceCompany
800Crescent
CenterDrive
Suite 200
Franklin TN
37067
(800)264‐4000
AmericanLife
InsuranceCompany
P.O.Box1591
Houston TX 77019
(713) 831‐3283
AmericanNational
Life
InsuranceCompanyofTexas
OneMoodyPlaza Post
OfficeBox
1780
Galveston TX 77550 (409) 763‐4661
AmericanRepublicCorp
InsuranceCompany
POBox14510
DesMoines IA 50306‐
3510
(515) 245‐2000
AmericanRepublicInsurance
Company
POBox1
DesMoines IA 50306‐
0001
(515) 245‐2000
AmericanRetirement
Life
InsuranceCompany
P.O.Box26580
Austin TX 78755 (800) 854‐3649
AssuredLifeAssociation P.O.Box3169 Englewood CO 80155‐
3169
(303) 792‐9777
BankersFidelityAssurance
Company
P.O.Box105185
Atlanta GA 30348‐
5185
(404) 266‐5600
BankersFidelityLifeInsurance
Company
P.O.Box105185
Atlanta GA 30348‐
5185
(404) 266‐5600
BankersLife P.O.Box1935
Carmel IN 46082‐
1935
(312) 396‐6000
BlueCross&BlueShieldof
Mississippi,AMutualInsurance
Co.
PostOffice Box
1043
Jackson MS 39215‐
1043
(601) 932‐3704
CentralReserveLife
InsuranceCompany
11200Lakeline
Blvd.
Suite100 Austin TX 78717 (866)459‐4272
CentralUnitedLife
InsuranceCompany
10777Northwest
Freeway
Houston TX 77092 (713) 529‐0045
CombinedInsurance
CompanyofAmerica
(SubsidiaryofAmerilife)
2650McCormick
Drive
Clearwater FL 33759 (855)278‐9329
ConnecticutGeneralLife
InsuranceCompany(CIGNA)
1601ChestnutSt.
Philadelphia PA
19192‐
2362
(866)494‐2111
32
ConstitutionLifeInsurance
Company
P.O.Box130
Pensacola FL 32591 (407)995‐8000
ContinentalGeneral
InsuranceCompany(CIGNA
11200Lakeline
Blvd.
Suite120 Austin TX 78717 (866)459‐4272
Continental
LifeInsurance
CompanyofBrentwood,
Tennessee
800Crescent
CenterDrive
Suite 200 Franklin TN 37067 (800) 264‐4000
EquitableLife&Casualty
InsuranceCompany
P.O.Box2460 Salt LakeCity UT 84110 800) 352‐5150
FamilyLifeInsurance
Company
10777Northwest
Freeway
Houston TX 77092 (713) 529‐0045
FirstHealthLife&Health
InsuranceCompany
3200Highland
Avenue
DownersGrove IL 60515 (800)226‐5116
ForethoughtLifeInsurance
Company
300North
MeridianStreet
Suite 1800 Indianapolis IN 46204 (317) 223‐2700
GenworthLifeInsurance
Company
6604W.Broad
Street
5
th
Floor
Richmond VA
23230
(800)255‐7831
GenworthLifeandAnnuity
InsuranceCompany
6604WestBroad
Street
5
th
Floor Richmond VA 23230 (800) 255‐7836
GerberLifeInsurance
Company
1311Mamaroneck
Avenue
WhitePlains NY 10605 (914)272‐4000
GlobeLifeandAccident
InsuranceCompany
3700S.Stonebridge
Dr.
McKinney TX 75070 (405) 270‐1400
GovernmentPersonnel
Mutual
LifeInsuranceCompany
PostOfficeBox
659567
SanAn
tonio TX 78265‐
9567
(800) 929‐4765
GuaranteeTrustLife
Insurance
Company
1275Milwaukee
Avenue
Glenview IL
60025‐
2489
(847) 699‐0600
HartfordLifeInsurance
Company
8500Freeport
Prkwy.
Suite400
Irving TX 75063 (860) 547‐5000
HeartlandNational
Life
InsuranceCompany
P.O.Box14168 Lexington KY 40512 (800)457‐4708
HumanaInsu
r
anceCompany P.O.Box740026 Louisville KY 40201‐
7426
(502) 580‐3712
IndividualAssurance
Company,Life,Health&
Accident
P.O.Box30685 Edmond O
K
7
3003 (405) 285‐0838
LibertyNational
LifeInsuranc
e
Company
3700S.Stonebridge
Drive
McKinney TX 75070 (800) 333‐0637
33
LincolnHeritageLifeInsurance
Company
4343E.Camelback
Road
Phoenix AZ 85018 (800) 433‐8181
ManhattanLifeInsurance
Company,The
10777Northwest
Freeway
Houston TX 77092 (713) 529‐0045
MedicoCorpLifeInsurance
Company
POBox10482
DesMoines IA 50306 (800) 228‐6080
MedicoInsuranceCompany P.O.Box10386
DesMoines IA 50306‐
0386
(800) 228‐6080
MutualofOmahaInsurance
Company
MutualofOmaha
Plaza
Omaha NE 68175 (402) 342‐7600
Nationwide
LifeInsurance
Company
P.O.Box130
Pensacola FL 32591 (800) 882‐2822
NewEraLifeInsuranceCompany P.O.Box4884
Houston TX 77210‐
4884
(800) 713‐4680
OmahaInsuranceCompany MutualofOmaha
Plaza
Omaha NE 68175 (402) 342‐7600
OrderofUnitedCommercial
TravelersofAmerica,The
1801Watermark
Drive,Suite100
Columbus OH 43215 (800) 848‐0123
PekinLifeInsuranceCompany 2505CourtStreet
Pekin IL 61558 (309) 346‐1161
PhiladelphiaAmericanLife
InsuranceCompany
P.O.Box4884
Houston TX 77210 (800) 713‐4680
PhysiciansLifeInsurance
Company
2600Dodge
Omaha NE 68131 (402) 633‐1000
PhysiciansMutualInsurance
Company
2600Dodge
Omaha NE 68131 (800) 228‐9100
MedicoInsuranceCompany P.O.Box10386
DesMoines IA 50306‐
0386
(800) 228‐6080
MutualofOmahaInsurance
Company
MutualofOmaha
Plaza
Omaha NE 68175 (402) 342‐7600
Nationwide
LifeInsurance
Company
P.O.Box130
Pensacola FL 32591 (800) 882‐2822
NewEraLifeInsuranceCompany P.O.Box4884
Houston TX 77210‐
4884
(800) 713‐4680
OmahaLifeInsurance
Company
MutualofOmahaPlaza
Omaha NE 68175 (402) 342‐7600
34
PuritanLifeInsuranceCompanyof
America
1720W.Rio Salado
Parkway,SuiteA
Tempe AZ 85281 (855)323‐8914
ReserveNational
Insurance
Company
601E.BrittonRoad Oklahoma
City
OK 73114 (405) 848‐7931
ShenandoahLifeInsurance
Company
POBox12847
Roanoke VA 24029 (800) 848‐5433
StateFarmMutualAutomobile
InsuranceCompany
OneStateFarmPlaza
D2Star
Bloomington IL
61710‐
0001
(309)766‐5588
ThriventFinancialforLutherans
625FourthA
v
enue
South
MS‐
Reg
Financi
Minneapolis M
N
5
5415‐
1624
(612)340‐7000
TransamericaLifeInsurance
Company
4333Edgewood Road,N.E.
Cedar Rapids IA 52499 (800) 238‐4302
TransamericaPremierLife
InsuranceCompany
4333Edgewood Road,NE
Cedar Rapids IA 52499 (319) 355‐8511
USAALifeInsuranceCompany P.O.Box33490
SanAntonio TX 78265 (800) 531‐8000
UnifiedLifeInsuranceCompany P.O.Box25326
OverlandPark KS 66225 (913) 685‐2233
UnitedAmericanInsurance
Company
P.O.Box8080
McKinney TX 75070 (972) 529‐3238
UnitedWorldLifeInsurance
Company
MutualofOmahaPlaza
Omaha NE 68175 (402)342‐7600
UniversalFidelityLifeInsurance
Company
13931QuailPoint Drive
Oklahoma
City
OK 73134 (800) 366‐8354
WashingtonNational
Insurance
Company
11825NorthPennsylvania
Street
Carmel IN 46032 (317) 817‐6100
35
Notes
Mississippi Insurance
Department
1001 Woolfolk State Office
Building
501 N. West
Street
Jackson, MS
39201
800-562-2957
www.mid.ms.gov
