Medicare Advantage in Mississippi

Looking for Mississippi Medicare Advantage Plans? Enter your ZIP below to compare affordable or $0 premium plans in your area.

Mississippi state

Information about Medicare Advantage Plans in Mississippi

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19 percent of Medicare beneficiaries in Mississippi were enrolled in a Medicare Advantage (Medicare Part C) plan in 2019.1

There are 706 different Mississippi Medicare Advantage plans in 2019.1 Not every plan is available in each county, so it's important to find out which ones are offered where you live.

A licensed insurance agent can help you compare the availability, benefits and costs of Medicare Advantage plans in your area of Mississippi. Read below to learn more about Medicare in your state.

You can also learn more about other types of Medicare plans:

Average costs of Medicare Advantage in Mississippi

In 2019, the average Medicare Advantage plan premium in Mississippi was $17 per month.

There were 337 different MA plans that featured $0 monthly premiums in 2019.

  • Average monthly premium cost in 2019 (weighted): $17
  • Average in-network out-of-pocket spending limit: $6,661
  • Average deductible in 2019 (weighted): $274.671

Individual plan premiums, deductibles and out-of-pocket costs may vary greatly depending on where you live and the plan you have.

You can view the 2019 average Mississippi Medicare Advantage plan monthly premiums by county listed below in this guide.

A licensed insurance agent can help you compare Medicare Advantage plan costs in your area.

Compare Mississippi Medicare Advantage plan costs

Compare Plans

Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.

Medicare Eligibility & Enrollment

If you want to enroll in Medicare Advantage in Mississippi, you must first be enrolled in Medicare Part A and Part B, often referred to as Original Medicare.

To be eligible for Original Medicare at age 65, you must meet the following requirements:

  • You must be a U.S. citizen or permanent legal resident who has lived in the U.S. for five continuous years.

  • You or your spouse must have worked long enough to be eligible for Social Security or Railroad Retirement benefits.

  • You or your spouse must be government employees or retirees who have not paid into Social Security but have paid Medicare payroll taxes.

You may also be eligible for Medicare benefits under 65 if:

  • You have been receiving Social Security disability benefits or certain Railroad Retirement Board disability benefits for at least 24 months.

  • You have ALS (amyotrophic lateral sclerosis, or Lou Gehrig's disease).

  • You have End-Stage Renal Disease (ESRD), and you or your spouse have paid Social Security taxes for a certain length of time.

It’s important to note that if you have ESRD, you may not qualify for most Medicare Advantage plans. If you have ESRD, you may be able to enroll in a Mississippi Medicare Special Needs Plan (SNP) that is specifically designed to help meet your health care needs.

How to sign up for a Medicare Advantage Plan in Mississippi

The first time you may be able to enroll in a Mississippi Medicare Part C plan is during your Medicare Initial Enrollment Period (IEP).

Medicare Initial Enrollment Period graphic

Your Medicare IEP starts three months before your 65th birthday. It includes the month of your 65th birthday and then continues for another three months after your birthday.

Additional times at which you may sign up for a Medicare Advantage plan include:

Medicare Advantage Open Enrollment Period graphic

Medicare Advantage Open Enrollment Period: January 1 – March 31

If you're already enrolled in a Part C plan, from January 1 to March 31 every year, you may switch Medicare Advantage plans or drop your Medicare Advantage plan and return to Original Medicare.

If you return to Original Medicare during this period, you'll be able to join a Medicare standalone prescription drug plan (Medicare Part D).

Medicare AEP graphic

Medicare Annual Enrollment Period (AEP): October 15 – December 7

From October 15 to December 7 every year, you may enroll in a Medicare Advantage plan or switch from one Medicare Advantage plan to another.

You may also drop your existing Medicare Advantage plan and return to Original Medicare.

During AEP, you may also join, switch or drop a Medicare Part D plan. 

Medicare Special Enrollment Periods (SEP)

You may potentially be granted a Medicare Special Enrollment Period (SEP) at any time throughout the year for qualifying circumstances.

A licensed insurance agent can help you find out if you qualify for a Medicare Special Enrollment Period.

Find a Mississippi Medicare Advantage plan

Compare Plans

Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.

Top-rated Medicare Advantage Plans in Mississippi 2019

Each year, the Centers for Medicare & Medicaid Services (CMS) issues Star Ratings for all Medicare Advantage plans using a system of one to five stars.2

In order for a Medicare Advantage plan to be considered a top-rated plan, it must have four or more stars out of five stars.

There are 207 top-rated 2019 Medicare Advantage plans in Mississippi that are rated four stars or higher. That equals 29 percent of all MA plans offered in Mississippi in 2019.

Medicare Star Ratings
Star Ratings

★★★★★

Excellent

★★★★

Above Average

★★★

Average

★★

Below Average

Poor

Medicare Advantage plans are rated in the following five categories:

  • Preventive care and health maintenance (screenings, tests, vaccines, etc.)
  • Management of chronic conditions
  • Member experiences and ratings of the plan
  • Member complaints, problems receiving services and member retention
  • Customer service

The information for the star ratings is gathered from information that is submitted to Medicare, Medicare’s regular monitoring activities and member surveys.

List of Medicare Advantage Plans Available in Mississippi in 2019

To view a list of plans offered in your area within Mississippi, use our plan comparison tool.

Find a Mississippi Medicare Advantage plan

Compare Plans

Or call TTY Users: 711 24/7 to speak with a licensed insurance agent.

Private insurance companies offer Medicare Advantage plans in Mississippi

Multiple insurance carriers may offer Medicare Advantage plans in Mississippi, depending on where you live.

Private insurance companies offer Medicare Advantage plans that may be unique to the plan area they serve.

Call to speak with a licensed insurance agent who can help you compare the Medicare Advantage plans that are sold by insurance companies in your area.

When you’re shopping for Medicare Advantage plans in Mississippi, you can compare plans from several different carriers by using some of the following information:

  • The Medicare Star Ratings can give you an idea of a plan’s overall quality.

  • Agencies like A.M. Best, Moody’s and Standard & Poor’s can provide information about an insurance company’s credit rating and financial standing.

  • Websites such as the Better Business Bureau and Consumer Reports can teach you about a company’s reputation among its customers.

  • You can read through Medicare Advantage plan reviews and testimonials from customers.

Mississippi Medicare Advantage plans by county

The chart below provides some more information about 2019 Mississippi Medicare Advantage plans by county.1

  • Madison County, Hinds County and Ranking County were each home to 8 $0 premium plans in 2019, which was the most of any county in Mississippi.

  • The most Medicare Advantage enrollees in Mississippi were in Hinds County in 2019.
2019 MS Medicare Advantage by County
County Total of County MA Enrollees % of Medicare Beneficiaries Enrolled in MA Number of Plans Available Number of $0 Premium Plans Available % Enrolled in a $0 Premium Plan
Adams 892 12% 4 2 50.0%
Alcorn 309 3% 4 2 50.0%
Amite 529 15% 6 2 33.3%
Attala 1008 22% 10 5 36.3%
Benton 347 17% 7 3 42.9%
Bolivar 1132 15% 10 5 84.0%
Calhoun 325 9% 8 3 37.5%
Carroll 304 10% 9 4 73.3%
Chickasaw 420 10% 8 3 37.5%
Choctaw 152 8% 7 3 42.9%
Claiborne 473 24% 10 5 66.2%
Clarke 759 18% 9 4 79.0%
Clay 473 10% 8 3 37.5%
Coahoma 715 13% 9 4 93.7%
Copiah 1939 30% 10 5 27.3%
Covington 980 22% 11 6 92.9%
DeSoto 5842 19% 12 7 11.9%
Forrest 3335 22% 11 6 96.7%
Franklin 181 9% 4 2 50.0%
George 1119 23% 11 6 54.5%
Greene 328 13% 7 2 28.6%
Grenada 755 13% 7 4 86.5%
Hancock 3454 33% 11 5 0.3%
Harrison 9777 23% 11 5 0.1%
Hinds 14063 31% 15 8 40.3%
Holmes 1024 24% 10 4 76.8%
Humphreys 254 12% 9 4 88.4%
Issaquena 35 20% 10 5 50.0%
Itawamba 225 4% 4 2 50.0%
Jackson 7781 26% 11 5 0.2%
Jasper 964 23% 9 4 93.0%
Jefferson 203 12% 4 2 50.0%
Jefferson Davis 466 17% 9 4 73.6%
Jones 3051 21% 11 6 95.8%
Kemper 449 20% 9 4 70.3%
Lafayette 696 8% 8 5 74.6%
Lamar 2080 21% 11 6 92.1%
Lauderdale 2764 17% 10 4 75.6%
Lawrence 596 17% 10 4 70.3%
Leake 1032 22% 10 5 74.1%
Lee 919 5% 4 2 90.9%
Leflore 711 11% 7 3 42.9%
Lincoln 1304 17% 7 4 73.0%
Lowndes 1471 12% 7 3 42.9%
Madison 4112 22% 15 8 34.7%
Marion 1397 23% 11 6 93.8%
Marshall 1876 23% 8 5 65.7%
Monroe 785 9% 7 2 28.6%
Montgomery 205 7% 6 2 33.3%
Neshoba 790 13% 9 4 74.3%
Newton 889 17% 9 4 62.9%
Noxubee 143 5% 8 3 37.5%
Oktibbeha 750 10% 7 3 42.9%
Panola 1683 21% 12 7 71.7%
Pearl River 4006 28% 10 5 0.3%
Perry 533 17% 8 4 50.0%
Pike 1937 21% 7 4 71.3%
Pontotoc 425 6% 4 2 50.0%
Prentiss 215 4% 4 2 50.0%
Quitman 303 17% 10 5 85.7%
Rankin 6187 21% 15 8 27.6%
Scott 1453 24% 11 5 68.3%
Sharkey 235 19% 10 5 71.7%
Simpson 1345 22% 9 4 61.5%
Smith 722 19% 9 4 63.6%
Stone 975 24% 10 5 50.0%
Sunflower 620 12% 7 4 85.4%
Tallahatchie 380 13% 9 4 71.6%
Tate 1336 21% 12 7 74.0%
Tippah 391 7% 4 2 50.0%
Tishomingo 255 5% 6 2 33.3%
Tunica 460 22% 10 5 66.1%
Union 476 7% 4 2 50.0%
Walthall 694 19% 10 4 80.1%
Warren 1959 19% 7 4 71.6%
Washington 2383 21% 11 5 70.5%
Wayne 845 19% 9 4 97.6%
Webster 165 5% 7 3 42.9%
Wilkinson 334 16% 8 3 37.5%
Winston 598 12% 7 3 42.9%
Yalobusha 479 12% 7 3 42.9%
Yazoo 1015 19% 10 5 66.8%

MS Medicare Advantage enrollees by plan type

The chart below illustrates the percentage of 2019 Mississippi Medicare Advantage enrollees that are enrolled in each primary type of Medicare Advantage plan.1

Plan type Percentage of Mississippi enrollees (2019)
HMO 98.5%
Regional PPO 0.7%
Local PPO 0.4%
PFFS <1%
Other Plans <1%

The major types of Medicare Advantage plans include:

  • HMO
    Health Maintenance Organization (HMO) usually requires patients to use health care providers and pharmacies that are part of the plan’s network (except in the case of emergencies) while also typically requiring a referral from a primary care doctor in order to see a specialist.

  • PPO
    Medicare Advantage beneficiaries in a Preferred Provider Organization (PPO) are able to see providers outside of their plan’s network, often at a higher cost.

    Beneficiaries in this type of plan typically pay less out of pocket if they choose to receive medical services from providers within their plan’s network.

    PPO plans typically do not require patients to acquire a referral before visiting with a specialist.

  • PFFS
    A Private Fee-For-Service (PFFS) plan determines how much it will pay to health care providers and how much the patient will pay when care is received.

    With a PFFS plan, you can typically receive care from any doctor, hospital or health care provider that accepts your plan’s terms. Not all providers will accept these terms, however.

  • SNP
    A Special Needs Plan (SNP) is a type of Medicare Advantage plan limited to people with certain chronic conditions and other specific characteristics.

    Typically, you must receive care from health care providers and hospitals within your SNP network, except for in cases when you need emergency or urgent care and when someone who has End-Stage Renal Disease (ESRD) needs out-of-area kidney dialysis.

Not all of these types of plans may be available in your area. A licensed insurance agent can help you compare the types of 2019 Mississippi Medicare Advantage plans that are available where you live.

Local health insurance resources in Mississippi

  • Mississippi’s State Health Insurance Assistance Program consists of a team of volunteers trained to answer questions about Medicare, Medicare Advantage and other health insurance programs for older adults.

    In addition to answering questions about benefits and rights, the volunteers may also help organize paperwork, compare plans and assist with filing claims and appeals.

    This free program may be reached at 800-948-3090 or 601-359-4929.     

  • You can also explore more information about the insurance industry in Mississippi by visiting the state’s Department of Insurance website.

  • Mississippi Prescription Drug Assistance Programs
    The state of Mississippi has a number of programs designed to help with the cost of prescription drugs. There are programs for both Medicare beneficiaries and non-Medicare beneficiaries alike that can cover the cost of premiums and cost-sharing or even lower the cost of the drugs themselves.