FOR MISSISSIPPI STATE RETIREES
Before you change your Medicare, get the facts.
You worked for the state. Now the mailers and phone calls are telling you to switch your coverage. Here's the straight talk most agents won't give you — so you can decide for yourself.
Most State retirees should stay put. We'll show you why — even when it costs a little more up front.
No pressure to book a call. The guide and video are built so you can navigate this on your own.
Local, plain-English help from a Mississippi team that does this every day.
WATCH FIRST
7 minutes that could save you a phone call
Chris walks through how your State Retiree plan actually works, what it costs over time, and how to decide whether to keep it — no appointment required.
WHAT YOU'LL UNDERSTAND
Enough to make the call yourself
How your plan works
Your State plan acts a lot like a Plan F supplement — it pays second, behind Original Medicare, filling the gaps so you face very few surprise bills.
What it really costs
It starts around $250/month — more than a private supplement at first. But supplement premiums climb with age, and the math often flips by your 80s.
Whether to switch
Three simple questions tell you if you're the typical case (stay put) or one of the exceptions — without anyone pressuring you toward a sale.
YOUR FREE DOWNLOAD
The State Retiree Medicare Guide
A quick read you can keep and share with your spouse. No sales pitch — just what you need to decide with confidence.
How the State plan compares to a private supplement, in plain English
When staying put is right — and the few times it isn't
The cost-over-time chart that shows where the lines cross
The 3-question checklist to run before you change anything
Free Guide · Schopmeyer Medicare
Mississippi State Retirees & Medicare
What it is, what it costs, and how to decide for yourself.
COMMON QUESTIONS
What State retirees ask us most
-
Usually, no. For most Mississippi State retirees, staying on the State plan is the better long-term move. It's worth a careful look before you change anything — which is exactly what the guide and video help you do.
-
At first, often yes. A private supplement can start cheaper than the State plan. But those premiums tend to rise as you age, while the State plan stays steadier — so for many people the costs cross over around age 80, right when you're using coverage the most.
-
It works a lot like a Medicare Supplement Plan F. Original Medicare (Parts A & B) pays first, and the State plan pays second — filling in deductibles and the share Medicare doesn't cover, so you're left with very little.
-
The starting premium is around $250 a month. Your exact figure depends on your situation, so confirm current rates — the guide explains how to read the cost over the long run, not just today.
-
No — and that's the point. We'd rather you understand this and handle it yourself. The guide and video are built so most people won't need an appointment. If you think you might be one of the exceptions, you can always reach out.
Get the guide and decide with confidence
Free, instant, and no strings attached. Most retirees find they have everything they need right here.
Think your situation might be an exception? Mention it on the form and we'll reach out personally.