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Medicare Plans in Mississippi
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Finding Medicare Plans in Mississippi

Mississippi offers a wide variety of Medicare options. But sorting through them all to find the right plan can feel overwhelming. We don’t think it should be. We’ll help you sort through the Medicare plans in Mississippi to help you find the right coverage.

What Is Medicare and What Does It Cover?

Medicare is a government-sponsored health insurance program that covers certain health care expenses. Medicare is available to people 65 and older and certain people under the age of 65 with a qualifying disability or illness. Medicare isn’t intended to pay for 100% of medical expenses. Medicare beneficiaries still pay a portion of their medical bills through copayments, deductibles, and coinsurance.

There are four parts of Medicare:

Original Medicare (Parts A and B)

Original Medicare is the federal portion of Medicare and has two separate parts:

Part A (Hospital Insurance) covers inpatient services, such as hospital care, hospice care, and skilled nursing facility care.

Part B (Medical Insurance) covers outpatient medical services/supplies, like mental health care, ambulance services, and durable medical equipment (canes, blood sugar monitors, and walkers). Part B also covers certain services that prevent or detect illnesses early, like flu shots, cardiovascular screenings, and diabetes screenings.

Original Medicare doesn’t cover everything. For example, it doesn’t cover long term care, most outpatient prescriptions, hearing exams and aids, vision, or dental care. For this reason, there is a wide variety of additional Medicare plans available to help expand your coverage.

Medicare Advantage Plans (Part C)

Private insurance companies, contracted with Medicare, offer Medicare Advantage plans. These plans provide an alternative to the coverage provided by Original Medicare. They must provide the same coverage as Original Medicare and can include additional benefits, like dental and vision coverage. Some plans, called Medicare Advantage Prescription Drug (MAPD) plans, also provide prescription drug coverage.

To enroll in a Medicare Advantage plan, you must first be enrolled in both Parts A and B of Original Medicare. Part C premiums can start at $0, increasing depending on the level of coverage provided by the plan. In addition to the premium charged by the Part C plan selected, you’ll need to continue paying your Part B premium.

Learn more about Medicare Advantage Plans »

Medicare Prescription Drug Plans (Part D)

Prescription drug coverage is not covered by Original Medicare (Parts A and B), nor by Medigap plans. Stand-alone Medicare Prescription Drug plans, offered by Medicare-approved private insurance companies, work together with your Original Medicare to cover prescription drugs. These plans assign medications into tiers, each tier with a different copay/coinsurance. A formulary is provided for you to check the drug tier(s) of your medications before picking a plan. This allows you to find the plan that will best fit your prescription needs. Medicare Part D plans can help offset the costs of prescription drugs, making treatment more affordable.

Learn more about Medicare Prescription Drug Plans »

Medicare Supplement Plans (Medigap)

As we mentioned earlier, Medicare beneficiaries are still responsible for paying a portion of their medical bills. This is where Medicare Supplement plans come in. Medigap plans are available through private insurance companies and work alongside your Original Medicare. They help pay for things that Original Medicare doesn’t cover, like coinsurance, copayments, and deductibles. If you choose to stick with Original Medicare, a Medigap plan could help reduce your out-of-pocket expenses.

Learn more about Medicare Supplement Plans »

Am I Eligible for Medicare Plans in Mississippi?

You must be eligible for Social Security benefits to qualify for Medicare. Most people become Medicare-eligible once they reach 65 years of age. If you’re under 65 years old, you can qualify if you’ve been receiving Social Security Disability Insurance (SSDI) for 24 months. You may also qualify if you have been diagnosed with Amyotrophic Lateral Sclerosis (ALS) or End-Stage Renal Disease (ESRD).

To qualify, you must be a citizen or permanent resident, having lived in the US for at least 5 years. You or your spouse must also have had a job that paid towards your Medicare through Social Security deductions for at least 10 years.

If you’re unsure about your eligibility for Medicare plans in Mississippi or will be turning 65 in the next six months, we can help. You can view plans in your area online or call us to speak with a licensed insurance agent.

When Can I Enroll in A Medicare Plan?

Medicare Advantage and Medicare Prescription Drug Plans

Your Initial Enrollment Period (IEP) is your first opportunity to enroll in Medicare. Your IEP is a seven-month period, starting three months before your 65th birthday month.

You can then make changes to your Medicare Advantage or Medicare Prescription Drug coverage during the Annual Election Period (AEP). This period occurs from October 15th to December 7th every year.

Medicare Initial Enrollment Period

Key Fact: If you did not enroll in Parts A and B during your IEP, you’ll have another chance during the General Enrollment Period (GEP). This period runs from January 1st to March 31st every year. If you want to enroll in a Medicare Advantage plan, you can then do so from April 1st to June 30th each year.

Medicare Supplement Plans

To ensure that you get the Medicare Supplement plan of your choice, be sure to enroll during your Medigap Open Enrollment Period. This period is six months long, starting at the beginning of your 65th birthday month, assuming you’ve enrolled in Medicare Part B. Otherwise, your Medigap Open Enrollment Period would start the same month as your Medicare Part B coverage.

Important Note: You could be charged higher premiums or be denied coverage entirely if you don’t enroll in a Medigap plan during your Medigap Open Enrollment Period.

Special Enrollment Periods

You may be granted a Special Enrollment Period if you’ve recently experienced a qualifying life event. A Special Enrollment Period allows you to enroll or make changes to your coverage outside of the normal times. Qualifying life events include moving out of your plan’s coverage area, moving into or out of a care facility, and more. Our licensed insurance agents can help you determine if you qualify for a Special Enrollment Period.

How Do I Select a Medicare Plan?

We’ll help you navigate through the many Medicare plans in Mississippi to find the one that’s right for you. You can compare plans side-by-side online by using the form below. You can also give us a call to talk with a licensed insurance agent.

Additional Medicare Resources in Mississippi

The State Health Insurance Assistance Program (SHIP) is a counseling program designed to help seniors in Mississippi with their questions about Medicare, Medicaid, supplemental insurance or other coverage. SHIP provides free counseling and resources to Medicare beneficiaries and their caregivers.

The Medicare Savings Program (MSP) provides financial assistance to Medicare beneficiaries with limited income. It can help pay for certain medical expenses, like premiums, coinsurance, and copayments.

Sources: Medicare.gov; www.mdhs.state.ms.us; medicaid.ms.gov

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Disclaimers: Outside of the Medicare Annual Enrollment Period, members can enroll in a plan only if they meet certain criteria. A licensed insurance agent can help you determine whether you are eligible. Plan availability varies by region and state. Callers will be directed to a licensed insurance agent with a third-party partner of Medicarematchup.com who can provide more information about Medicare Advantage plans offered by one or several Medicare-contracted carrier(s). Enrollment in any plan depends on contract renewal. Medicare has neither reviewed nor endorsed the information contained in this advertisement. Not connected with, or endorsed by, the U.S. government or the federal Medicare program. This information is not a complete description of benefits. For a complete listing of Medicare plans, please contact 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day, 7 days a week, or consult www.medicare.gov.