Many people are participating in Mississippi Medicare Advantage plans. In significant areas in Mississippi, including Gulfport, Hattiesburg, Jackson, Meridian, Oxford, and Tupelo, there are 102,992 Medicare Advantage participants. Of these areas, Jackson has the most, with 52,817 beneficiaries.
Mississippi Medicare Advantage plans
Private carriers offer Medicare Advantage plans. Essentially, they replace your Original Medicare, and their benefits differ with each insurance company; some cover prescriptions while others don’t. Mississippi has 61 Medicare Advantage plans available, but the total number varies with each zip code.
Medicare Advantage plans offered in Mississippi
Unlike Medigap plans, Medicare Advantage plans aren’t standardized by the federal government. This difference means these plans can vary widely across states and even different ZIP codes within a state.
Medicare Advantage plans have different pay structures, including monthly premiums and deductibles. Knowing other pay structures can help you choose the right plan. Below, we will list plans with a zero-dollar premium, plans with a zero-dollar deductible, and plans with a Part-B reduction.
Zero-dollar premium plans in Mississippi
There are many different plans with a zero-dollar monthly premium available. However, it’s important to remember that programs with a zero-dollar premium will likely have higher out-of-pocket costs. Cigna’s plan has a MOOP (maximum out-of-pocket) cost of $6,500 and a four-star rating. This plan is also an HMO.
For a small county inside Mississippi, some residents choose Aetna. This Local PPO plan provides benefits that Original Medicare typically doesn’t cover. It has a MOOP of $7,550 and a high four-star rating.
For another Local PPO, there’s also . This Local PPO is a popular plan with a $6,700 MOOP and four out of five-star rating.
| PLAN | PREMIUM | MOOP | PLAN TYPE | STAR RATINGS |
| Cigna | $0 | $6,500 | HMO | 4 |
| Wellcare | $0 | $7,550 | HMO | 3 |
| Humana | $0 | $7,550 | REGIONAL PPO | 4 |
| Aetna | $0 | $7,550 | LOCAL PPO | 4 |
| $0 | $6,700 | LOCAL PPO | 4 |
Zero-dollar drug deductible plans in Mississippi
There are two major plans with a zero-dollar drug deductible in Mississippi. While both have the same MOOP of $6,700, one comes with a $20 monthly premium. The other difference is that one is an HMO, and the other is a Local PPO.
There are two similar Cigna plans available. These plans each have a $6,500 MOOP and a four-star rating.
One Cigna plan has a much lower MOOP rate at $5,500. However, some residents might not prefer the $30 monthly premium.
| PLAN | PREMIUM | MOOP | PLAN TYPE | STAR RATINGS |
| Cigna | $0 | $6,500 | HMO | 4 |
| $0 | $6,700 | HMO | N/A | |
| Cigna | $0 | $6,500 | HMO | 4 |
| $20.00 | $6,700 | LOCAL PPO | 4 | |
| Cigna | $30.00 | $5,500 | HMO | 4 |
Part B reduction plans in Mississippi
Mississippi Medicare Advantage plans with a Part B reduction vary across ZIP codes. Not all areas carry a Part B reduction plan, so reviewing every plan’s benefits is always good practice. We’ll examine three popular plans that might be available in your area.
There are two different types of Wellcare plans available. The first has a MOOP of $7,550 and a Part B reduction of $49 per month, and the second has a MOOP rate of $6,700 and a Part B reduction of $60.
There’s also Cigna which has a Part B give-back of $50 and a four-star rating. Its MOOP is $5,900, and it has no monthly premium.
Lastly, there’s which continues to be a prevalent choice. This plan’s Part B reduction is $60, and its MOOP is $6,700.
| PLAN | PREMIUM | MOOP | PART B REDUCTION | STAR RATINGS |
| Wellcare | $0 | $7,550 | $49.00 | 3 |
| Cigna | $0 | $5,900 | $50.00 | 4 |
| Wellcare | $0 | $6,700 | $60.00 | 3 |
| $0 | $6,700 | $60.00 | 4 | |
| Humana | $0 | $5,500 | $50.00 | 4 |
Ancillary/DVH
Mississippi Medicare Advantage plans are beneficial because they offer additional benefits that Original Medicare and Medigap don’t. These benefits include hearing, dental, and vision. Sometimes these plans also include prescription drug coverage, but not always.
Mississippi cities with estimated premiums for Medicare Supplement coverage
Below, we’ve built charts with estimated premiums for Medicare Supplement coverage for the following cities:
FAQs
What Medicare Advantage plans are available in Mississippi?
There are 61 Medicare Advantage plans in Mississippi, with popular ones including Cigna, Aetna, , and Humana. However, these plans can vary by region and zip code, so your area might have more or fewer plans available than other zip codes.
Who can help me choose a Medicare Advantage plan in Mississippi?
Since so many plans are available, it can be hard to decide which one to choose, and it’s not uncommon to feel overwhelmed. Luckily, some resources can help you determine the best plan in Mississippi. Agencies like the Mississippi State Health Insurance Assistance Program (SHIP), the Mississippi Division of Aging and Adult Services, and Mississippi Area Agencies on Aging can help you narrow your options and find the best plan for your insurance needs and budget.
Are you automatically enrolled in Medicare if you are on Social Security in Mississippi?
You will likely automatically enroll in Medicare if you receive Social Security benefits. To be eligible for Medicare, you must be 65 years or older, have End-Stage Renal Disease (ESRD), be diagnosed with Lou Gehrig’s Disease (ALS), or be disabled.
How long before you turn 65 do you apply for Medicare in Mississippi?
You’re first eligible to sign up for Medicare in Mississippi three months before you turn 65. However, you can sign up anytime if you have End-Stage Renal Disease (ESRD) or qualifying disabilities. You’ll first sign up for Part A and Part B coverage, then can explore additional coverage plans.
Does Medicare start on birthdays in Mississippi?
The date your coverage begins doesn’t depend on your birthday but on the time you sign up. For example, if you sign up a month before you turn 65, you’ll receive coverage the first month you turn 65. If you sign up the month you turn 65, however, you won’t receive coverage until the following month.
How to get help enrolling in a Mississippi Medicare Advantage plan
Medicare Advantage plans are great options for additional coverage that Original Medicare doesn’t offer. In addition, with Medicare Advantage plans, you can receive other benefits like dental, vision, and prescription drug coverage.
However, many different plans are also available, and choosing the right one for your needs can be difficult. Luckily, our team can provide excellent assistance. We work with all carriers, and our free service will help pair you with the right plan for you, your budget, and your needs. Call us today or complete our online rate form to see rates now.
