Mississippi is home to many plantations, crops, and the largest river in the nation. This southern state contains quaint towns and lots of land, as well as a large capital city filled with arts and culture commemorating the Deep South. Gulfport offers access to the Gulf of Mexico with beaches and seaports for business and recreation alike. There are also several state parks, including the Natchez Trace National Scenic Trail, that connects Natchez, MS to Nashville, TN through historical Indian trails. The Gulf Islands National Seashore offers beaches and nature trails, and many other outdoor regions throughout the state have lands open for all types of activity.

Residents of Mississippi have several choices for health insurance, with reputable companies including Blue Cross Blue Shield of Mississippi, Humana and UnitedHealth Care. These companies offer a high quality level of care, great networks, and a range of prices. To find out what plans are available near you, enter your zip code below and get a comparative quote. If you have any questions about these plans, or anything we can answer about health insurance, call 888 803 5917 and we will be happy to help.

 

Health Status

 

Unfortunately, Mississippi has been evaluated as the least healthy state in the nation for the past nine years by UnitedHealth Foundation. Their survey shows the residents of Mississippi have many areas in need of improvement. Obesity is more frequent among adults than any other state, affecting nearly 35% of individuals over 19. The number of adults with diabetes continues to increase also, now reaching 274,000 individuals. There is also a fairly dense amount of Mississippians who smoke, though the number has slightly dropped, 23% of adults remain smokers.

When it comes to health care, the state is also lacking. The availability of primary care doctors throughout Mississippi is very low compared to the population. Individuals without health insurance are also high in number, with over 19% of the state going uninsured. Though many areas need help and it does not seem that much improvement will take place in the near future, Mississippians can still make an effort to be healthy through lifestyle changes and health plans. By getting insurance or using public health programs, and implementing nutrition and exercise, there could be an incline in the overall health of Mississippi.

 

Health Insurance Plans

 

HumanaOne

 

  • Copay plans in Mississippi are available in three types, Enhanced Copay 80, Copay 80 and Copay 70. The plus of a copay plan is immediate benefits, such as doctor’s office visits, prescription drugs and urgent care for a copay. Preventive care is also available as soon as your plan starts for no cost with network providers. These plans have a high deductible, ranging from $1,000 to $5,000 for individuals with Enhanced plans, $3,500 or $5,000 for Copay 80, and $1,000 to $7,500 for Copay 70. Once you have met your chosen deductible, you can receive in-network hospital services for either 70, 80 or 100% coverage.
  • Value 100 plans have high deductibles and offer coverage in full on in-network care once you reach the deductible. Value 100 plans give members a low monthly premium for a high deductible, and includes prescription coverage. Deductible choices in-network are $5,000, $7,500 and $10,000 for individuals and $15,000, $22,500 and $30,000 for families. As soon as your plan starts, you are able to use in-network providers for preventive care at no cost. After deductible, Humana covers hospital care, doctor’s office visits, lab and X-rays, emergency care and more.
  • Health Savings Account plansgive you 100% coverage after deductible, and the ability to open an HSA for control over medical finances and future planning. You can choose from Enhanced HSA 100 or HSA 100, depending on what you are able to spend. Individual deductibles range from $1,500 to $5,950 with both types of plan, and double the amount for families. HSA 100 plans do not cover prescription drugs but have a discount card, while Enhanced plans cover in-network pharmacies in full after meeting the deductible. Physician and hospital services of all sorts including emergency care are no cost after deductible, and preventive care is covered in full when your plan starts.

 

UnitedHealthOne

 

  • Copay plans through UnitedHealthOne are available in two types and provide members with doctor’s office visits, prescription drugs and emergency room care for a copay as soon as your plan begins. Select Value plans are slightly more limited, due to a generics only option, and offer lower premiums with 70% coverage once you meet the deductible. Copay Select plans give you the choice of 70, 80 or 100% coverage for in-network hospital and major medical services. Both plans have individual deductibles ranging from $1,000 to $10,000, which makes it possible to receive more benefits.
  • High Deductible plans offer three types of coverage, with deductible choices of $1,000 to $10,000 for Saver 80 plans, $1,500 to $10,000 for Plan 80, and $2,500 to $10,000 for Plan 100. Once you have met the deductible, you pay either 20% coinsurance with a Saver 80 or Plan 80, or nothing with Plan 100, for in-network care. Covered services vary based on the plan but include doctor’s office visits, prescription drugs (not with Saver plans), inpatient and outpatient hospital care, and emergency room visits. These offer comprehensive care for injury and illness with network or non-network providers, as they are PPOs.
  • Health Savings Account plans are offered in two coinsurance choices, 30% or 0%, and have a variety of deductibles. HSAs give you the option of opening a health savings account to spend tax-advantaged funds on health care services. Qualified expenses include out-of-pocket costs and These plans also offer a wide array of benefits for discounted rates in-network, or out-of-network for a higher level of coinsurance after deductible. Preventive care is available immediately for no charge with network providers.

 

 

Public Health Options

 

Mississippi residents whose income does not allow for a regular health insurance plan have several state-funded alternatives. The state offers a variety of services for many types of low-income individuals who fit certain criteria, including Medicaid. Medicaid provides medical insurance to uninsured families, children, adults over 65, and persons with disabilities. Other types of individuals also qualify for Medicaid, for a more detailed list of criteria, see our Medicaid Eligibility by State page. Disease prevention, home health care, and family planning services are provided, as well as nutritional assistance through the state. To see a full list of programs and services, visit the Mississippi State Department of Health.

  • Medicaid: medical insurance for individuals who are uninsured and have a low income or medical needs.
  • CHIP: the children’s health insurance program in Mississippi for children of all income levels without insurance.
  • Preventive Care: preventive health programs for chronic disease and healthy living for all Mississippi residents.
  • Women, Infants & Children (WIC) Program: nutritional assistance for low-income mothers and pregnant women.

 

 Health Insurance Laws

 

Mississippi health insurance companies and the individuals who have insurance are at the affect of several important laws which decide how the system operates. Insured persons are given the right to continue their benefits regardless of acquiring an illness through the guaranteed renewability provision. This law also requires insurers to offer to renew your coverage for another year at the end of a term. This helps to avoid any  breaks inc overage and keep people who rightfully pay for thei insurance to hold onto their plans. Insurers can only terminate a plan based on fraudulent activity or other violation of terms.

Health insurers in the state of Mississippi also have the right to deny individuals for a plan based on their previous health conditions. A pre-existing condition is considered by the prudent person standard, which is anything for which an individual has received or could have receive treatment in the time preceding their health insurance application. If an insurer does decide to accept an adult with a pre-existing condition, they will likely increase premiums, as with any high-risk individual. Exclusion periods can also be used for up to 12 months, which means your plan will not cover any treatment related to the pre-existing condition for that time frame.

Elimination riders are also permitted among health insurance companies in Mississippi, which permanently states an insurer is not responsible for paying for such types of care. However, there is an alternative for individuals who have pre-existing conditions. The Pre-Existing Condition Insurance plan was set up by the Affordable Care Act as a way for qualifying adults to have a low cost insurance plan. These plans are operated by the U.S. Department of Health & Humans Services in Mississippi. They will expire in 2014 when all health insurance companies and state exchanges will be required to accept all adults regardless of health.