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Medicare Advantage Plans in Mississippi

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If you’re a Medicare beneficiary in Mississippi, you may be wondering about your coverage options. One alternative way to get your Original Medicare, Part A and Part B, coverage is enrolling in a Medicare Advantage plan (Medicare Part C), available through private insurance companies approved by Medicare. Medicare Advantage plans cover at least the same level of medical and hospital benefits provided under Original Medicare, Part A and Part B. Some plans may also offer additional benefits like routine vision, hearing, dental, and prescription drugs.

There are several types of Medicare Advantage plans available, and the specific plan options available to you will depend on your location. Some examples of Medicare Advantage plans that may be offered in your area may include:

  • Health Maintenance Organization (HMO) plans: HMOs are one of the most popular types of managed-care Medicare Advantage plans. These plans have a provider network of doctors you must use to be covered, and you’re required to have a primary care doctor. You’ll need referrals for specialist care.
  • Preferred Provider Organization (PPO) plans: If you prefer more flexibility, PPOs are another type of Medicare Advantage plan in Mississippi. Your costs are lower if you use doctors in the plan’s preferred provider network, but you also have the option to go out of network and pay higher copayments. Unlike HMOs, you don’t need referrals to see a specialist.
  • Special Needs Plans (SNPs): Special Needs Plans limit enrollment to people who meet certain eligibility criteria, which may include people who have both Medicare and Medicaid; live in an institution (such as a nursing home); or have a chronic condition. These plans often have special benefits to help the unique needs of its beneficiaries. For example, a Chronic-Condition Special Needs Plan for beneficiaries with cancer may have additional coordination services to help members manage their illness, or it may include doctors in its network who specialize in treating cancer.
  • Private Fee-for-Service (PFFS) plans: Similar to Original Medicare, PFFS plans don’t have a provider network. Instead, you can use any doctor or provider who accepts the plan’s terms and conditions and agrees to treat you on a case-by-case basis.
  • Medicare Savings Account (MSA) plans: These plans combine a high-deductible Medicare plan with a medical savings account. Your Medicare Savings Account plan will deposit a certain amount of money into a savings account, which you can use to pay for covered Medicare costs before reaching your deductible.

Medicare Advantage plans in Mississippi with prescription drug coverage

Some Medicare Advantage plans in Mississippi include prescription drug coverage, also known as Medicare Advantage Prescription Drug plans (MAPDs). These plans cover all of your Medicare Part A, Part B, and Part D benefits under a single plan.

This is in contrast to Original Medicare, where prescription drug benefits come separately through a stand-alone Medicare Prescription Drug Plan. If you have Medicare Part C, you can opt to enroll in a Medicare Advantage plan that includes prescription drug coverage. Keep in mind that not every Medicare Advantage plan covers prescription drugs, so check with the specific Medicare Advantage plan before enrolling.

Compare Medicare Advantage plans in Mississippi

If you decide to enroll in a Medicare Advantage plan in Mississippi, it is extremely important to compare all of the Medicare plan options available to you. The cost and plan availability will vary depending on the county of your residence, and monthly premiums can vary from county to county as well. Please take note that some Mississippi Medicare Advantage plans may offer monthly premiums as low as $0, but beneficiaries are still responsible for paying their Medicare Part B premium even if their service area offers a Medicare Advantage plan that doesn’t come with a premium. In addition, you may still have other plan costs, such as copayments, deductibles, and coinsurance costs. Not all service areas offer Medicare Advantage plans with premiums as low as $0, so you’ll need to research the plan options that are available in your location.

Depending on your prescription drug needs, you may also want to consider enrolling in a Medicare Advantage Prescription Drug plan. If you do, be sure to check that the formulary includes your medications; a formulary is a list of prescription drugs covered by the plan. The formulary may change at any time. You will receive notice from your plan when necessary.

Keep in mind that Medicare Advantage plans may offer additional benefits than those provided in Original Medicare, so it is important to consider your health needs and choose the best suitable plan for your situation. Need help finding Medicare plan options that may fit your needs? Don’t hesitate to contact eHealth for personalized assistance with a licensed insurance agent.

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