Medicare or Medigap Insurance in Hattiesburg, MS
Simplifying Medicare. Supporting You Every Step.
Navigating Medicare plans in Hattiesburg doesn’t have to be complicated. At Howlett Insurance Agency, we help Mississippi residents make sense of Medicare and Medigap coverage — so you can choose the right plan with clarity and confidence. Whether you’re new to Medicare, reviewing your current coverage, or helping a loved one, our licensed agents are here to provide honest, local support.
Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer. For full plan options, visit
Medicare.gov or call 1‑800‑MEDICARE.
What Is Medicare and How Does It Work?
Medicare is a federal health insurance program for people age 65 and older, or those with qualifying disabilities or medical conditions like ESRD or ALS. The program includes several different “parts” that cover different types of healthcare services:
Part A – Hospital Insurance
Covers inpatient care, hospital stays, skilled nursing facility care, hospice, and some home health services.
Part B – Medical Insurance
Covers outpatient care, doctor visits, preventive services, lab tests, durable medical equipment, and some home health.
Part C – Medicare Advantage Plans
Private insurance plans that bundle Part A, Part B, and often Part D. Many include extras like dental, vision, hearing, and wellness programs.
Part D – Prescription Drug Coverage
Helps cover the cost of medications. Plans differ in terms of drug formularies and pharmacy networks.
We’ll help you explore available Medicare Advantage and Part D drug plans in Mississippi, comparing them based on your doctors, prescriptions, and budget.
What Is Medigap (Medicare Supplement Insurance)?
Medigap, or Medicare Supplement Insurance, is a private policy that helps pay for the “gaps” in Original Medicare — such as copayments, deductibles, and coinsurance.
Key Features:
- You must have Original Medicare (Parts A & B) to be eligible for Medigap.
- Medigap does NOT include prescription drug coverage — you’ll need a separate Part D plan.
- Plans are standardized, but prices vary by insurer and location.
- Each person needs their own Medigap policy — they can’t be shared.
- Medigap works alongside Original Medicare, not as a replacement.
Our team will walk you through Medigap plan types (Plan G, Plan N, etc.) and help you find the right fit for your healthcare needs and financial situation.
Why Choose Howlett Insurance Agency for Medicare Help?
We're more than licensed agents — we’re local guides with deep experience helping Hattiesburg residents navigate Medicare in Mississippi.
One-on-One Guidance
We explain Medicare clearly and answer your specific questions.
Ongoing Support
We're here long after enrollment for claims help, changes, or reviews.
Plan Comparisons That Work for You
We evaluate Medicare Advantage, Medigap, and Part D plans based on your health, lifestyle, and budget.
Local, Family-Owned Service
No pressure, no gimmicks — just honest help from people who care.
Common Questions About Medicare or Medigap
When should I enroll in Medicare?
You can enroll during your Initial Enrollment Period, which begins 3 months before your 65th birthday and lasts 7 months. Special Enrollment Periods may apply for life changes like job loss or relocation.
What’s the difference between Medigap and Medicare Advantage?
Medigap supplements Original Medicare by covering out-of-pocket costs. Medicare Advantage is an all-in-one plan that replaces Original Medicare and may include extras like dental and vision.
Can I switch from Medicare Advantage to Medigap?
Yes — but you’ll need to return to Original Medicare first. We’ll help you understand your timing, eligibility, and coverage options.
Does Medigap include drug coverage?
No. Medigap doesn’t cover prescription drugs. If you want medication coverage, you’ll need a Part D plan.
How much does Medigap cost in Mississippi?
Medigap premiums vary by age, health status, and ZIP code. We’ll shop and compare rates to find an affordable plan that meets your needs.
Start Your Medicare Journey With Confidence
Choosing the right Medicare or Medigap plan in Mississippi can feel overwhelming — but you don’t have to do it alone. Howlett Insurance Agency is here to walk you through every step with honesty, compassion, and local knowledge you can trust.