Table of Contents

Medicare Plans by State

STATE -Select-
  • Alabama
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming
Page Reviewed / Updated – September 29, 2022
Reviewed by Dr. Brindusa Vanta, MD

The nationally operated health insurance program, Medicare, is available for seniors aged 65 and above as well as people with certain disabilities. Mississippi has a population of almost three million, of which approximately 16.4% are seniors. In 2020, more than 472,000 individuals enrolled in Original Medicare and 136,000-plus people enrolled in Medicare Advantage in Mississippi. This means around 20.6% of the state’s population receives Medicare. Approximately 99% of Mississippi’s physicians accept Medicare. Mississippi spent roughly $11,000 on each Medicare beneficiary in 2019, with a total state spend of more than $5.2 billion.

Original Medicare has two parts: Part A and Part B. Part A includes inpatient hospital treatment, residential nursing home care expenses,hospice care, and some home health care. There’s no coverage cost for people, or their spouses, who paid Medicare taxes for a qualifying period. Those who don’t meet the tax requirements can pay for coverage. Part B covers outpatient services like medically necessary services and supplies, along with preventative health checks. Monthly premiums for Medicare Part B operate on a sliding scale, with a standard premium of $170.10 in 2022.

Individuals can also arrange personalized coverage through a private health insurance policy. Known as Medicare Advantage plans, or Part C, such plans provide the same basic coverage as Parts A and B (except for hospice care). Part C plans often include drug coverage (Part D) and may offer additional coverage, such as dental or vision care. 

Part D Medicare, of which Mississippi has more than 450,000 enrollees, allows individuals to add prescription medication coverage to Original Medicare and some other Medicare plans. Private insurance companies also offer supplemental plans, called Medigap, to help Original Medicare beneficiaries reduce their health care costs.

This guide provides information about Medicare in Mississippi, including plans available across the state. It also has resources to help people understand their Medicare and health insurance options.

Options for Medicare Coverage in Mississippi

The basic coverage under Original Medicare is adequate for many older adults. However, sometimes seniors need extra health care coverage. Fortunately, Mississippi’s aging population has several options regarding health insurance to ensure policies meet individual needs. Alongside the standard federal program, private insurance companies offer alternative plans or additional options for older adults.

Original Medicare (Parts A & B)

Original Medicare is administered by the Centers for Medicare & Medicaid Services (CMS) and is open to seniors aged 65 and over, along with those under 65 years old, but with certain disabilities or end-stage kidney disease. It includes two parts. Part A covers inpatient hospital care, nursing home and skilled nursing care, hospice and home health care. Part B, or medical coverage, pays for medically necessary goods and services such as durable medical equipment, mental health services and emergency medical transportation. 

Unlike most private Medicare plans, Original Medicare’s provider network isn’t limited to the beneficiary’s geographic region, making it easier to obtain services while traveling within the country. In most cases, Medicare doesn’t pay for health services the individual receives outside the United States. 

Under this program, seniors pay for services as they receive them. They must pay an annual deductible, which is $1,556 for Part A and $233 for Part B in 2022. After they’ve paid this amount, Medicare covers all eligible services at 80%. Beneficiaries pay the remaining 20% out of pocket.

Who Should Consider Original Medicare

Original Medicare may be a good option for those who:

  • Travel frequently within the United States
  • Don’t need extra benefits such as home-delivered meals and coverage for over-the-counter medication
  • Want to choose their own prescription drug coverage

Medicare Advantage (Part C)

Provided by private insurance firms, Medicare Advantage plans, also known as Part C, offer tailored options for health insurance. Plans cover the same benefits as Original Medicare, except for hospice care, which Part A provides. Policies typically offer additional benefits, such as prescription drug coverage (Part D), telehealth services, transportation to medical appointments, hearing and sight checks, nonprescription medications and dental care. Additionally, plans might offer decreased premiums, deductibles and copay amounts. Many Part C plans have yearly limits on out-of-pocket costs, which may help seniors with their financial planning. Mississippi has more than 136,000 Medicare Advantage enrollees.

There are four main Medicare Advantage plans: Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Private Fee-for-Service Plans (PFFs) and Special Needs Plans (SNPs). Other plan types include Medicare Medical Savings Account Plans (MSAs) and HMO Point of Service Plans (HMOPOs). Costs and eligibility requirements vary between providers.

Who Should Consider Medicare Advantage

Part C Medicare plans may be appropriate for seniors who:

  • Can’t meet their health needs through Original Medicare
  • Are generally healthy and would benefit from decreased premiums
  • Want greater predictability concerning personal medical expenses
  • Are comfortable receiving managed care

The Top 10 Medicare Advantage Plans in Mississippi 

The following table details the top Medicare Advantage plans in Mississippi, showing the total number of enrollees and general costs each month per provider as of April 2022. The table also shows the types of plans available. There’s more information about Medicare Part C on the Medicare Advantage Plans in Mississippi page.


Total Enrollment

Star Rating

Min Cost

Max Cost

Plan Types

























Aetna Medicare






Wellcare by Allwell






Anthem Blue Cross and Blue Shield






Vantage Health Plan






Clover Health






Blue Cross Blue Shield of Michigan






Medicare Prescription Drug Coverage (Part D)

Original Medicare doesn’t pay for most prescription drugs through Part A or B coverage. Instead, seniors purchase separate prescription drug policies, also called Part D coverage. Medicare contracts with private health insurance companies to provide this coverage. There are multiple plans to choose from with varying monthly premiums, which beneficiaries pay in addition to their Original Medicare premiums. While seniors don’t have to purchase prescription drug coverage when they’re first eligible for Medicare, not obtaining this coverage at this time may result in late enrollment penalties they pay for as long as they have Medicare if they enroll later.

Each prescription drug plan has its own formulary, or list of covered drugs. Formularies are typically split up into tiers. The tier a medication is in determines how much the insurance company pays and how much the beneficiary pays for it. Lower-level tiers are usually made up of generic and low-cost brand name drugs, while higher tiers are composed of more expensive brand name and specialty drugs. In most cases, the lower the tier, the lower the policyholder’s cost-sharing responsibility.

Who Should Consider Medicare Prescription Drug Coverage

Seniors who may benefit from prescription drug coverage include those who:

  • Currently take prescription medication or expect to in the future
  • Want to avoid late enrollment penalties
  • Want to reduce out-of-pocket prescription drug expenses

Medicare Supplement Insurance (Medigap)

While Original Medicare provides coverage for many medical costs, seniors may still have significant out-of-pocket expenses. These may include copays, coinsurance and deductibles. Seniors may be able to reduce their cost-sharing obligations by purchasing a Medigap plan. These plans can only be used with Original Medicare. It’s illegal for private insurance companies to sell Medigap plans to those with Medicare Advantage plans.

For more information on Medigap plans, seniors can refer to the Best Medicare Supplement Companies of 2022 page.

Who Should Consider Medicare Supplement Insurance

Good candidates for Medigap may be those who:

  • Have ongoing health issues and expenses
  • Travel overseas often
  • Want to access an expanded network of health care providers
  • Expect to need health services not covered by Original Medicare

Medicare Resources in Mississippi

While understanding the many Medicare and health insurance options can feel overwhelming, Mississippi’s seniors can get help from several sources. Trained advisors offer one-on-one counseling, helping seniors understand various plans, benefits and costs to ensure they enroll in the best policy for their needs. As well as providing information about available plans, including Medicare Advantage and Medigap, advisors can perform eligibility checks and help individuals enroll for coverage.

State Health Insurance Assistance Program

Mississippi’s State Health Insurance Assistance Program (SHIP) has a statewide network of trained volunteer advisors who help individuals make informed decisions about Medicare and health insurance. Through tailored unbiased counseling, seniors can learn more about Original Medicare, Medicare Advantage, supplemental insurance and drug assistance programs, including eligibility, costs, benefits and plan types. Advisors can also help seniors organize medical paperwork, understand statements and bills, complete applications and file appeals.

Contact Info

Seniors can connect with a SHIP counselor via their local Area Agency on Aging. Each agency has its own phone number, and individuals can call the Division of Aging and Adult Services at 601-359-4929 for contact details.

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Mississippi Access to Care (MAC) Network

Mississippi Access to Care Network operates five MAC Centers throughout the state, where seniors and disabled people can get free advice and assistance regardless of their financial situation. The centers are in Jackson, Gulfport, Greenville, Pontotoc and Hattiesburg, although over-the-phone assistance is also available. Services include helping individuals compare Medicare and health insurance options, so they fully understand their options and subsequently enroll in the best plan for their needs.

Contact Info

Individuals can visit their closest MAC Center for in-person assistance or call 844-822-4622 to speak with a trained advisor or arrange a home visit.

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Mississippi Insurance Department

Mississippi Insurance Department maintains comprehensive, up-to-date information on its website, covering pertinent topics such as insurance types, managed care provider tips, shopping for health insurance, avoiding Medicare fraud and lowering premiums. The department also offers counseling on Medicare and health insurance, which helps individuals compare plans and understand coverage and can assist seniors with filing complaints against providers.

Contact Info

Seniors can access Medicare and health insurance counseling by calling Mississippi Insurance Department at 601-359-3569 or toll-free at 800-562-2957. Individuals can also visit the department’s office in Jackson.

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Senior Medicare Patrol

Mississippi’s federally funded Senior Medicare Patrol (SMP) uses senior volunteers to educate older adults about Medicare abuse, fraud, scams and errors. Individuals can report actual or suspected fraud to the team, and advisors can help beneficiaries detect incorrect charges, identify deceptive Medicare marketing practices, avoid scams and understand medical bills. The SMP also informs seniors about current issues, preventative techniques, common scams and useful resources on its active social media page.

Contact Info

Seniors in Mississippi can discover how to safeguard themselves against Medicare and health insurance fraud and report Medicare scams and misuse by calling the Mississippi Senior Medicare Patrol at 877-272-8720 or emailing [email protected].

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Mississippi Center for Legal Services

Partially funded by the Legal Services Corporation, Mississippi Center for Legal Services provides free civil legal assistance for low-income individuals in Central and Southern Mississippi. Elder law issues have priority status, and services include helping seniors to appeal denied or canceled Medicare claims and advising elders on their health insurance rights.

Contact Info

Seniors can call 800-498-1804 or contact their local MCLS office to check if they are eligible for program assistance.

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Elder Law Project

Operated by North Mississippi Rural Legal Services, the Elder Law Project provides free civil legal services to those aged 60 and above in Northern Mississippi. Seniors can obtain help with appealing unfavorable Medicare decisions, resolving unfair consumer practices related to private health insurance and reporting Medicare scams and fraud. Services include counseling, advocacy and information. The organization operates an Elder Law Clinic and offers outreach services to housebound individuals.

Contact Info

Older adults across Northern Mississippi can connect with a legal specialist by calling 662-234-2918, ext. 2119 or emailing the project director at [email protected].

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Social Security Administration

The Social Security Administration (SSA) provides comprehensive information about Medicare-related topics on its website, including Medicare Advantage plans, Original Medicare Parts A and B, enrollment periods, avoiding late enrollment fees, eligibility and costs. The SSA website also has an eligibility checking tool, and seniors can order replacement Medicare cards and enroll for Medicare. 

Contact Info

Seniors can get in-person advice and enrollment assistance at their local SSA office. Alternatively, individuals can speak to a helpline advisor at 800-772-1213.

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