Medicare Advantage Plans in Mississippi
Key Takeaways
- Medicare Advantage Medicare Advantage (Medicare Part C) is health insurance for Americans aged 65 and older that blends Medicare benefits with private health insurance. This typically includes a bundle of Original Medicare (Parts A and B) and Medicare Prescription Drug Plan (Part D). plans in Mississippi are sold by private insurance companies under rules set by the federal Medicare program.
- Medicare Advantage replaces Original Medicare (Parts A and B) Original Medicare is a fee-for-service health insurance program available to Americans aged 65 and older and some individuals with disabilities. Original Medicare is provided by the federal government and is made up of two parts: Part A (hospital insurance) and Part B (medical insurance). , but offers the same Part A Medicare Part A is hospital insurance, which covers the care you receive while admitted to a hospital, skilled nursing facility, or other inpatient facility. Medicare Part A is part of Original Medicare. and Part B Medicare Part B is medical insurance that covers Medicare-approved services — such as medically necessary treatment and preventive services — and certain other costs, like durable medical equipment. Medicare Part B is part of Original Medicare. coverages as Original Medicare.
- Along with Part A and B benefits, Medicare Advantage (also known as Part C) bundles additional services like dental, hearing, vision, and prescription drug coverage.
- All Mississippi residents eligible for Medicare had access to a Medicare Advantage plan with a $0 monthly premium in 2024.
Mississippi Medicare Advantage Plan Coverage
Medicare Advantage allows you to choose a private insurance company to provide your Medicare benefits. In return, you often get coverage that extends beyond Original Medicare like prescription drug, hearing, vision and dental coverage.
Unlike Original Medicare, Medicare Advantage plans have an out-of-pocket spending limit. Some companies also offer Special Needs Plans designed for those with chronic medical conditions, like congestive heart failure and end-stage renal disease, or financial need. These plans may offer additional benefits and help to pay for expenses related to health and wellness.
As of 2024, there were 72 Medicare Advantage plans available in Mississippi.
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MS Medicare Advantage Plan Costs
The average person in Mississippi paid a monthly premium of $20.89 for their Medicare Advantage plan in 2024, according to the Centers for Medicare & Medicaid Services. However, all Mississippians had access to at least one Medicare Advantage plan with a $0 premium.
When evaluating the costs of a Medicare Advantage plan, there are several key considerations to look for. These include:
- Coinsurance: Medicare Advantage plans usually have a coinsurance or copayment you pay each time you see an in-network specialist or general healthcare provider.
- Premium: While not all Medicare Advantage plans have premiums, some do. You will pay this in addition to your Part B premium.
- Out-of-pocket limit: This is the maximum amount you will pay out-of-pocket before your plan covers 100 percent of your healthcare costs.
Medicare Advantage Plan Eligibility & Enrollment in Mississippi
Most people qualify for Medicare based on age once they turn 65. If you’ve worked and paid Medicare taxes for 10 years or more, you will receive premium-free Part A Medicare. However, you likely will pay the standard Part B premium, which was $185 in 2025.
If you are receiving Social Security benefits before age 65, you will be automatically enrolled in Parts A and B of Medicare and have the option to switch to Medicare Advantage. However, if you are not, you can sign up for Medicare the three months before, the month of, and three months after your 65th birthday. This is your Initial Enrollment Period. You can enroll at your local Social Security office, online, or over the phone with the Social Security Administration.
Other enrollment periods exist once you’re eligible for Medicare. These include:
- Medicare Open Enrollment Period: This is the time period from October 15 to December 7 each year, also known as the Annual Enrollment Period. If you’re enrolled in Medicare entering this period, you can switch to a Medicare Advantage plan if you wish.
- Medicare Advantage Open Enrollment Period: This is the time period from January 1 through March 31. During this time, you can change your Medicare Advantage plan or go back to Original Medicare. You cannot, however, switch from Original Medicare to Medicare Advantage.
- 5-Star Enrollment Period: This is the time period from December 8 to November 30, where you can enroll in a 5-star Medicare Advantage plan if you’re in a lower-rated Medicare Advantage plan.
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Are There Mississippi Medicare Advantage Plans with Prescription Drug Coverage?
There are Medicare Advantage plans in Mississippi that incorporate Part D prescription drug coverage. That means a single plan can provide all your Medicare benefits.
As of 2024, Medicare beneficiaries with diabetes will pay no more than $35 a month for insulin. Thirty-four plans available in the state will offer enrollees who are chronically ill or receive Extra Help (also known as low-income subsidies) options such as lower cost sharing for particular benefits, including the possibility to eliminate any cost-sharing for covered prescription drugs.
Medicare Learning Guides
Healthcare is personal. So is choosing insurance. If you are new to Medicare, a beneficiary researching options, or a caregiver, we have tailored Medicare Guides for you.
Before 65 Guide
Understanding health insurance before age 65, especially when considering early retirement
Medicare Plans Guide
Costs, coverage and enrollment details for each Medicare plan
Medicare Beneficiary Guide
For those currently enrolled in Medicare
Low Income and Medicare Guide
For individuals with a qualifying income status
A Caregiver's Guide
For individuals with a qualifying income status
Sources
- FACT SHEET. CMS.gov.
This website is operated by GoHealth, LLC., a licensed health insurance company. The website and its contents are for informational and educational purposes; helping people understand Medicare in a simple way. The purpose of this website is the solicitation of insurance. Contact will be made by a licensed insurance agent/producer or insurance company. Medicare Supplement insurance plans are not connected with or endorsed by the U.S. government or the federal Medicare program. Our mission is to help every American get better health insurance and save money.
Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.