Medicare in Mississippi
Last Updated : 09/16/20184 min read
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About Medicare in Mississippi
Medicare beneficiaries in Mississippi may choose to receive their benefits through Original Medicare, Part A and Part B, which is the federal component of the Medicare program. Mississippi residents may also receive their Medicare coverage through a private Medicare-approved insurance company such as Medicare Advantage (Part C).
Mississippi residents may also enhance their Part A and Part B coverage with other Medicare plan options. For example, a stand-alone Medicare Part D Prescription Drug Plan can cover prescription medications, while Medicare Supplement insurance can fill in “gaps” left by Part A and Part B.
Types of Medicare coverage in Mississippi
Original Medicare provides inpatient hospital care coverage under Medicare Part A while doctor’s services, some preventive care, and durable medical equipment are covered by Medicare Part B.
Medicare Advantage plans are required to provide coverage that’s equal to Medicare Part A and Part B, with the exception of hospice care. These plans may also include benefits such as routine vision, dental services and prescription drug coverage. You need to keep paying your Medicare Part B monthly premium if you have a Medicare Advantage plan.
Medicare Part D Prescription Drug Plans offer stand-alone prescription drug coverage as a benefit that accompanies your Medicare Part A and/or Part B. These plans are offered by insurance companies that contract with Medicare. On the other hand, if you enroll in a Medicare Advantage Prescription Drug plan, you can get all your Medicare coverage in one plan, although you must continue paying your Part B premium.
Medicare Supplement insurance plans, also called Medigap, cover some out-of-pocket costs not covered by Part A and Part B. Original Medicare deductibles, copayments, and coinsurance are covered to varying degrees under these policies. Most states, including Mississippi, can offer up to 10 standardized Medicare Supplement plans, although not every plan will be available in each state, and prices vary.
Local resources for Medicare in Mississippi
- Medicare Savings Programs in Mississippi: Mississippi beneficiaries can apply for programs that offer financial assistance to people enrolled in Medicare with low incomes. These programs offer discounts on expenses that aren’t covered by Medicare, such as premiums, deductibles, and copayments.
- Mississippi State Health Insurance Counseling and Assistance Program (SHIP): The State Health Insurance Assistance Program (SHIP) is a program sponsored by the Mississippi Department of Human Services and the Centers for Medicare & Medicaid Services. The program can answer all of your Medicare-related questions, and beneficiaries many contact SHIP in person or by phone.
How to apply for Medicare in Mississippi
When applying for Medicare in Mississippi, the process is the same as in any other state. To qualify for Medicare, you must be either a United States citizen or a legal permanent resident of at least five continuous years. You can visit your local Social Security Administration office or apply online at SSA.gov or over the phone.
- Call Social Security at 1-800-772-1213 (TTY users should call 1-800-325-0778), Monday through Friday, 7AM to 7PM.
- If you worked for a railroad, call the Railroad Retirement Board at 1-877-772-5772 (TTY users call 312-751-4701), Monday through Friday, 9AM to 3:30PM.
Mississippi residents may be enrolled automatically at age 65, provided they already receive benefits through Social Security or the Railroad Retirement Board. Disabled residents may be enrolled before reaching age 65 if they receive Social Security disability benefits, or certain disability benefits from the Railroad Retirement Board, for 24 consecutive months. If you have Lou Gehrig’s disease (amyotrophic lateral sclerosis, or ALS), you’re enrolled in Medicare the same month your disability benefits start. If you have End-Stage Renal Disease (ESRD), you might qualify for Medicare, but you need to apply manually as described above.
If you choose to receive your Medicare benefits through Part A and Part B, you may be looking for additional coverage. I can help you find plans that may meet your needs and that are available in your area of Mississippi. To learn more about who I am, click on the “View profile” link by my photo. I’m happy to walk you through your options or email you information; you can set this up by using the links below. To compare Medicare plan options in Mississippi right now, scroll up and click the Compare Plans button on the right side of this page.