Mississippi Medicare Insurance Plans

The state flag of Mississippi | Mississippi Medicare Insurance Plans

Medicare is a federally sponsored health insurance program available to those over the age of 65, as well as to individuals who have certain disabilities. At the state level, however, there exist specific organizations that help beneficiaries better understand the Medicare process, and Medicare recipients may even qualify to receive state subsidies, depending on their circumstances. Consider the following information if you are interested in obtaining Medicare coverage in the state of Mississippi.

Medicare Supplement Insurance (Medigap) Policies

Mississippi does require Medigap insurance companies to sell you a Medigap policy, even if you’re under 65.  Read more details at CMS.gov.

 Mini-COBRA Policies (Small Group)

Mississippi law mandates continuation coverage for small employers (employers with less than 20 employees). This requirement is found in the mini-COBRA law under the Mississippi Insurance Code 83-9-51.

Mississippi Medicare Savings Program

There are four Medicare Savings Programs available in the state of Mississippi.

*The following data is from 2017 and is based on federal amounts. If your income and resources are slightly higher, you should still apply, you may qualify for benefits even if your income is higher than the limits listed.

*Qualified Medicare Beneficiaries (QMBs): QMBs range from individuals with a monthly income under $1,010 or couples with a monthly income under $1,355. The state pays all premiums for Medicare Part B and all co-payments and deductibles for Medicare Parts A and B.

*Specified Low-Income Medicare Beneficiaries (SLMBs): SLMBs range from individuals with a monthly income under $1,208 or couples with a monthly income under $1,622. The state pays premiums for Medicare Part B.

*Qualified Individuals (QIs): QIs range from individuals with a monthly income under $1,357 or couples with a monthly income under $1,823.  The state pays premiums for Medicare Part B.

*Qualified Working and Disabled Individuals (QWDIs): QWDIs range from individuals with a monthly income under $4,045 or couples with a monthly income under $5,425. The state pays premiums for Medicare Part A.

*Data from Medicare.gov

State Health Insurance Assistance Program (SHIP)

Your local Mississippi SHIP program offers counseling designed to help you understand your important Medicare benefits and answer your other health insurance questions. Mississippi SHIP equips Medicare eligible individuals and caregivers with information about the resources available to make the right decision about health insurance coverage or to address problems that may arise.

Mississippi SHIP, through its trained volunteers and other staff, provides education, counseling, and information concerning:

  • Medicare (Parts A and B)
  • Medicare Advantage Plan (Part C) Medicare+ Choice or Health Maintenance Organization (HMO) options
  • Medicare Prescription Drug Plans (Part D)
  • Medicare Supplement Insurance (Medigap)
  • Medicaid
  • Long-term care and payment options
  • Health care rights and protections
  • Other low-income assistance programs

Mississippi SHIP also advocates for Medicare beneficiaries on claim questions and disputes. Information concerning Mississippi SHIP can be obtained through the local state Agency on Aging in your community. The Mississippi SHIP is funded by a grant through the Centers for Medicare and Medicaid Services (CMS).

(Extra Help) for Prescription Drugs

In 2017, you may qualify if you have up to $17,820 in yearly income ($24,030 for a married couple).

As a Mississippi resident, you can consult with one of the knowledgeable MedicareSolutions.com licensed sales agents available in order for you to get the personal assistance you need that is specific to your area. One of our licensed sales agents can work with you and compare plans in your area, helping you find the best Mississippi Medicare insurance plans for your needs.