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Medicare Part D Plans in Mississippi


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What are Medicare Part D Prescription Drug Plans?

Medicare Part D is prescription drug coverage available from private, Medicare-approved insurance companies in Mississippi, as it is in other states. This coverage doesn’t come with Original Medicare, Part A and Part B. Medicare Part A may cover prescription drugs administered to you as a hospital inpatient, and Part B may cover certain drugs administered to you as an outpatient. But most prescription medications you take at home aren’t covered under Original Medicare.

You have two options for getting Medicare prescription drug coverage. One is through a stand-alone Medicare Part D Prescription Drug Plan that can work alongside your Original Medicare coverage. The other is through a Medicare Advantage Prescription Drug plan. With a Medicare Advantage plan, your Medicare Part A and Part B coverage is provided through a private, Medicare-approved health insurance company, and many such plans include prescription drug coverage (and often additional benefits, such as routine dental care or fitness programs).

You don’t have to get prescription drug coverage, but if you don’t sign up for it when you’re first eligible for Medicare, you may face a late-enrollment penalty if you decide to sign up later on.

When can you sign up for Medicare Part D Prescription Drug Plan?

Your first opportunity to enroll in a Medicare Prescription Drug Plan is generally during your Medicare Initial Enrollment Period (IEP). For most people, the IEP is a seven-month period starting three months before the month you turn 65, includes your birthday month, and continues for three months after that. Your IEP if you qualify for Medicare due to disability generally starts the 22nd month that you receive disability benefits from Social Security or the Railroad Retirement Board and continues through your 28th month — again, a seven-month period. You need to be enrolled in Medicare Part A and/or Part B to qualify for a Part D Prescription Drug Plan.

There are other times when you can sign up for Medicare Part D, although the late-enrollment penalty might apply.

  • One enrollment period popular among Medicare beneficiaries is the Annual Election Period, which runs from October 15 through December 7 every year. During this period, you can add, change, or drop Medicare Prescription Drug Plans and Medicare Advantage plans, or return to Original Medicare and optionally enroll in a Prescription Drug Plan.
  • If you’re enrolled in a Medicare Advantage Prescription Drug plan and you decide to leave the plan during the Medicare Advantage Disenrollment Period (January 1 – February 15 each year), you can add a stand-alone Medicare Part D Prescription Drug Plan during that same period.
  • If you find a Medicare Prescription Drug Plan in your vicinity that has a 5-star rating, you can sign up for, or switch to, the 5-star plan from December 8 until November 30th the following year. However, you can only make such a change once.
  • Finally, there may be occasions when you qualify for a Special Election Period to enroll in a Medicare Prescription Drug Plan, or a Medicare Advantage Prescription Drug plan. Generally, these situations involve your losing health coverage or moving outside your plan’s service area.

Comparing Medicare Part D Prescription Drug Plans in Mississippi

Depending on your county of residence, the availability and costs of Medicare Prescription Drug Plans in Mississippi may vary. Thus, you may want to compare all available stand-alone Medicare Part D Prescription Drug Plans in your area.

Private Medicare-approved insurance companies that offer Medicare Part D Prescription Drug Plans in Mississippi can determine their own formulary lists and tiers of prescription drugs they wish to cover. The same is true in all states. This list may vary from provider to provider. You can compare your current prescription drug needs with the formularies of any Medicare Prescription Drug Plans you’re considering.

The formulary may change at any time. You will receive notice from your plan when necessary.

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