Last Updated on
October 6, 2016
Medicare Advantage refers to Medicare Part C, which includes the benefits of Medicare Part A (hospital insurance) and Part B (medical insurance) with the exception of hospice care, which is covered under Medicare Part A. As a Medicare beneficiary in Mississippi, you may have the option to sign up for a Medicare Advantage plan. With a Medicare Advantage plan you receive your Medicare benefits from a private insurance company contracted with Medicare rather than through Original Medicare, Part A and Part B, which is administered by the federal government. If you decide to enroll in a Medicare Advantage plan in Mississippi, the extent of your coverage will usually depend on the specific plan you select. You may choose any Medicare Advantage plan that is available where you live.
As with the rest of the United States, Medicare Advantage plans in Mississippi are required by the government to offer at least the same medical and hospital benefits as Original Medicare, Part A and Part B (except hospice care which is still covered under Part A). In addition, many Medicare Advantage plans in Mississippi offer extra benefits, like routine vision, hearing, dental, or prescription drug coverage.
To enroll in a Medicare Advantage plan, you must be enrolled in or be eligible to enroll in Original Medicare, Part A and Part B. The best time to enroll in Original Medicare is during your Initial Enrollment Period, which begins three months before you turn 65, includes your birthday month, and ends three months after that month. If you do not enroll in Medicare during your Initial Enrollment Period it may result in a late-enrollment penalty. You may also enroll in Medicare during the annual General Enrollment Period, which runs from January 1 to March 31, but you may still have to pay the late-enrollment penalty for as long as you remain enrolled in Medicare if you did not enroll during your Initial Enrollment Period.
If you decide to switch from one Medicare Advantage plan to another, you can make the change during the Annual Election Period, which runs from October 15 to December 7 in Mississippi and the rest of the United States. Your new coverage then goes into effect on January 1 of the following year. You may also be allowed to change Medicare Advantage plans in Mississippi during Special Election Periods for qualifying events, like moving to a new address where your Medicare Advantage plan is not available, losing your current group health coverage, or experiencing changes in your current plan that affect your health benefits. Special Election Periods vary, depending on your circumstances or certain changes in your Medicare Advantage plan.
If you’re already signed up for a Medicare Advantage plan, but decide to switch back to Original Medicare, you can make the switch during the annual Medicare Advantage Disenrollment Period, which runs from January 1 to February 14.
There are various types of Medicare Advantage plans in Mississippi. Here’s a quick look at the main types of plans that may be available where you live:
It’s important for you to understand that even if you choose to enroll in a Medicare Advantage plan, you must remain enrolled in Medicare Part A and Part B, and continue paying your Medicare Part B premium.
As a Medicare beneficiary in Mississippi, you may find it useful to compare all Medicare Advantage plans available in your area.
The availability and cost of Medicare Advantage plans generally vary depending on your state and county of residence. You may find that some Medicare Advantage plans in Mississippi offer premiums as low as $0; but remember, you will stay have your Medicare Part B premium to pay.
Some Medicare Advantage plans may offer additional benefits beyond what is included in Original Medicare, Part A and Part B, so you will need to determine exactly what kind of coverage you may require, plus whether or not you want prescription drug coverage through a Medicare Advantage Prescription Drug plan. With all these insurance options, you will likely want to compare Medicare Advantage plans where you reside so that you can make an informed choice about which Medicare Advantage plan is most likely to meet your personal health and budget requirements.
To start comparing Medicare Advantage plans in Mississippi today, enter your zip code in the eHealth plan finder tool on this page for a customized list of plans available in your area. You can also enter your prescription drugs to further customize your search and cost estimates for prescription drug coverage.
Visit the following pages to get further details about Medicare in Mississippi:
*Out-of-network/non-contracted providers are under no obligation to treat Preferred Provider Organization (PPO) plan members, except in emergency situations. For a decision about whether we will cover an out-of-network service, we encourage you or your provider to ask us for a pre-service organization determination before you receive the service. Please call our customer service number or see your Evidence of Coverage for more information, including the cost-sharing that applies to out-of-network services.