Last Updated on
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 (IEP) it may result in a late-enrollment penalty.
If you decide to sign up for Medicare Advantage after your IEP, or you’d like to switch from one Medicare Advantage plan to another, you can make the change during the Fall Open Enrollment 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.
You can switch Medicare Advantage plans during the Medicare Advantage Open Enrollment Period, which runs from January 1 to March 31. During that period, you can also decide to switch back to Original Medicare, and optionally join a stand-alone prescription drug plan to go alongside your Original Medicare.
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.
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.