medigMedicare Supplement (Medigap) Policies

Mississippi requires insurers to offer at least one Medicare Supplement plan to adults under sixty-five afflicted with disability.

 

Mini-COBRA Policies (small group)

Mississippi mandates small employer continuation coverage for twelve months following separation although insurers can drop some services for those separated (e.g. dental, vision care).

 

Medicare Savings Program (premium support)

Mississippi has three Medicare Savings Programs:

• Qualified Medicare Beneficiaries (QMBs): For individuals with a monthly income under $903 and for couples with a monthly income under $1215, the state pays all premiums for Part B and all Co-Pays and Deductibles for Medicare Part A & Part B.

• Specified Low-Income Medicare Beneficiaries (SLMBs): For individuals with income under $1083 or couples with income under $1457, the state pays premiums for Part B.

• Qualified Individuals (QIs): For individuals with income under $1219 or for couples with an income under $1640, the state pays premiums for Part B.

To qualify for any one of these programs, participants must have assets below $6,600 or be part of a couple with assets below $9,910.

High-Risk Pool
The Mississippi Comprehensive Health Insurance Risk Pool Association provides coverage of last resort is open to state residents on the basis of HCTC and Medical Eligibility.
http://www.mississippihealthpool.org/index.php

State Health Insurance Assistance Program
Mississippi’s State Health Insurance and Assistance Program (SHIP) is administered through the Department of Human Services, Aging and Adult Services Division. MS SHIP services are accessed via a toll-free line that directly routes the call depending on the caller’s location. Mississippi SHIP targets rural beneficiaries by hosting health fairs, partnering with churches and post offices in rural areas, and developing plain language materials.http://www.mdhs.state.ms.us/aas_ship.html

Low-Income Subsidy (“extra-help”) for Prescription Drugs 

This program is a subsidy for Part D recipients with resources under $13,070 (or $26,120 for a couple) to receive money towards a Medicare prescription drug plan. The benchmark of support is different depending on which region of the country you live in. In Mississippi in 2012, the low-income subsidy was $33.40 per month.

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If you live in Mississippi, and you are interested in getting a Medicare Plan, please contact the Medicare experts at eAmeriFamily Insurance.  They are industry veterans and will guide you through the process of getting the right Medicare, Medicare Advantage, or MediGap Plan for you.