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Medicare in Mississippi

Feeling blue about your health insurance? Start singing a different tune with Medicare in Mississippi

Reviewed by: Ed McClane, Licensed Insurance Agent. Written by: Bryan Strickland.

Key Takeaways

  • If you’re 65 or older, Medicare in Mississippi offers an affordable option for your healthcare needs.

  • Original MedicareOriginal 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). offers hospital (Part A) and medical insurance (Part B), with the option of adding drug and supplemental coverage.

  • Medicare AdvantageMedicare 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 replace Original Medicare and include the benefits of Parts A and B while bundling drug and supplemental coverage and coverages like dental and vision.

 

While B.B. King is known for singing the blues, Elvis Presley isn’t always associated with his slew of soulful songs. Elvis also isn’t as readily recognized as a Mississippi native, but both he and King were born in the birthplace of blues.

Don’t let the complexities of Medicare in Mississippi leave you singing the blues. GoHealth has the cure.

How do I apply for Medicare in Mississippi?

Your choices for applying for Medicare in Mississippi include:

  • Enrolling online with the Social Security Administration. [1]
  • Visiting a local Social Security office. [2]
  • Enrolling over the phone at 1-800-772-1213 (TTY: 1-800-325-0778).

If you are a U.S. citizen age 65 or older, you qualify for Medicare in MS. It’s as simple as that. Of course, not everything about Medicare is that simple.

Medicare is a federal program that provides affordable healthcare for older Americans nearing retirement. At age 65, you can enroll in Part A (known as “hospital insurance”), Part B (“medical insurance”) or both — collectively known as Original Medicare. If you enroll in both, you have the option to add Part D to help with drug costs and Medigap (supplemental insurance) to help cover some out-of-pocket expenses.

Part D and Medigap plans are managed by private insurance companies with guidance from the federal government. That’s also the case with Medicare Advantage options in Mississippi.

If you are enrolled in both Parts A and B, you have the option of switching to a Medicare Advantage plan that replaces Original Medicare and includes the benefits of Parts A and B while bundling drug and supplemental coverage and offering additional coverages like dental and vision.

Is Medicare Free for Seniors Over 65?

Part A provides hospital coverage without a monthly premium, but because of the plan’s deductibles and coinsurance, it can’t be called “free.”

If you’re in need of low-cost insurance because of your financial situation, some people on Medicare in MS qualify for a Medicare Savings Program, which is a federal program administered by individual states (Mississippi calls it “Medicare cost-sharing”). [3]

Some Mississippi residents facing more severe needs may qualify for Medicaid.

What Qualifies You for Medicaid in Mississippi?

You can get similar coverage to Medicare at any age if you qualify for Medicaid, a federal/state program founded alongside Medicare in 1965 that helps those facing a financial need or a disability — regardless of age. When you turn 65, it is possible to be eligible for both Medicare and Medicaid (called dual eligibility).

Each state has its plan for administering Medicaid. The Mississippi Division of Medicaid oversees the state’s program. In 2021, the program offered assistance to residents who earned up to 133% of the Federal Poverty Level. [4]  Medicaid for ages 6-19 up to 250% of the Federal Poverty Level. Medicaid for the working disabled- check with MS Medicaid office as income levels are adjusted annually by Social Security Administration. [5]

What are the Different Medicare Plans Available?

When it comes to Medicare plans in Mississippi, there’s only one Original Medicare plan, which includes Parts A and B and features the option to add Part D and Medigap coverage from private insurance companies.

When it comes to Medicare Advantage in Mississippi, numerous plans are available.

  • Some Medicare Advantage plans mirror Original Medicare but are more affordable.
  • Some Medicare Advantage plans include options for dental, vision and hearing coverage.
  • Some Medicare Advantage plans offer assistance with transportation costs or over-the-counter needs.
  • Some offer all of the above.

What are 4 Types of Medicare Advantage Plans?

In 2020, while the standard monthly premium for Part A of Original Medicare was $0, Part B’s standard monthly premium was $144.60. For a Medicare Advantage plan, the average monthly premium was $23.63. [6]

Saving with Medicare Advantage in Mississippi is possible because beneficiaries get favorable rates when they visit providers within a regional network. Those networks are set up within four types of Medicare Advantage plans.

  • Health Maintenance Organization (HMO) plans provide a network of doctors and providers you can see, and a primary care physician manages your care.
  • Preferred Provider Organization (PPO) plans use primary care physicians but allow flexibility to see doctors outside your network.
  • Private Fee-for-Service (PFFS) plans provide separate payments to your providers for each service you receive.
  • Special Needs Plans (SNP) are condition-specific plans designed to care for certain diseases or health issues. D-SNP assists dual eligible individuals, and C-SNP is for people with chronic diseases. [7]

Which Company has the Best Medicare Advantage Plan?

The Centers for Medicare & Medicaid Services has a Medicare Star Rating system that assigns a rating of one to five stars (five being the highest-rated) to individual Medicare Advantage plans.

If you’re already on a Medicare Advantage plan and it’s not five-star, you are offered the opportunity to switch to a five-star plan each year.

While the rating system can shed light on various Medicare Advantage plans’ performance, it’s not as easy as just picking the highest-rated plan. A dedicated GoHealth licensed insurance agent can review your situation and figure out what Medicare Advantage plan is the right fit for you.

Medicare in Mississippi by the Numbers

Thousands of older adults enroll in Medicare every day across the United States. The latest CMS data shows that 575,183 people are enrolled in Medicare in Mississippi. The total number of beneficiaries enrolled in Medicare Advantage in Mississippi is 121,010. The previous year, 108,040 enrolled in Medicare Advantage. Medicare Advantage participation in Mississippi went from 19.10% to 21.04% year over year. If you’d like to dive deeper into how Medicare in Mississippi breaks down across the state, we provide a glance at who is using Medicare, and how.

Outline of Mississippi
575,183
Beneficiaries with Part A & Part B
121,010
Medicare Advantage Beneficiaries
21.04%
Medicare Advantage Participation Rate
55.60%
% Female
44.40%
% Male
1.03
Average HCC Score
$10,651.03
Actual Per Capita Costs
28.63%
% Eligible for Medicaid
35.08%
% of Beneficiaries with an Emergency Department Visit
18.35%
Hospital Readmission Rate
70.31%
% Non-Hispanic White
27.56%
% African American
0.64%
% Hispanic
1.48%
% Other/Unknown

Table reflects the latest Beneficiary Demographics data: 2018, All Beneficiaries by State, Centers of Medicare & Medicaid Services (CMS)

Average HCC Score: The Hierarchical Condition Category score gauges a population’s overall health. The score is based on a value of 1.0. Populations with an HCC score of less than 1.0 are considered relatively healthy. The score can be used to estimate health costs.

Mississippi Medicare Resources & Contacts

Beneficiaries spend an average of $10,651.03 each year on Medicare in Mississippi. To be certain you are not leaving anything on the table, let us help. A GoHealth licensed insurance agent can assess your coverage or explain which Mississippi-based resources, like these, may be able to help:

Mississippi SHIP - Medicare Counseling

1-844-822-4622

https://www.mdhs.ms.gov/adults-seniors/services-for-seniors/state-health-insurance-assistance-program/

What should I know about SHIP?

The State Health Insurance Assistance Program offers free, unbiased Medicare advice to Mississippi residents.

Mississippi Insurance Department

1-601-359-3569 or 1-800-562-2957

http://www.mid.ms.gov/healthcare/health-care.aspx

What should I know about the Mississippi Insurance Department?

This department also offers free Medicare counseling and protects residents against healthcare fraud.

Division Aging and Adult Services (DAAS)

1-844-437-6282

https://www.mdhs.ms.gov/adults-seniors/

What should I know about DAAS?

This division of the Mississippi Department of Human Services oversees a multitude of programs that benefit seniors in the state.

Mississippi Division of Medicaid

1-800-421-2408

https://medicaid.ms.gov/

What should I know about the Mississippi Division of Medicaid?

This department administers the Medicaid program in the state.

Nationwide Resources

Speak with an insurance agent that is licensed in Mississippi about your Medicare questions.

1-855-792-0088 TTY: 711

Monday - Friday, 8 AM - 9 PM CT

Medicare & Medicaid

If you have general questions about Medicare in MS, or need help with current Medicare benefits.

1-800-MEDICARE (1-800-633-4227)

Social Security Administration

You can reach the SSA by phone for general questions. Not all questions can be answered over the phone.

Also, SSA.gov provides online resources for the following: Review information, apply for benefits, or manage your account online

Speak to SSA Representative, Monday - Friday, 8 AM - 7 PM ET

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.

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New to Medicare Guide

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Costs, coverage and enrollment details for each Medicare plan.

Low Income & Medicare Guide

For individuals with a qualifying income status.

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For those helping a loved one with Medicare.