Mississippi Health Insurance
Mississippi residents have a variety of health insurance plans to pick from as well as numerous insurance companies that carry them. The wide range of policies allows Mississippi residents to find a plan that fits their budget and health care needs.
Learn about the state’s insurance rules, regulations, and laws and read about some of the top Mississippi insurance companies and what they offer in the way of health coverage. In addition, you can review information here that informs you about the various public health insurance programs in the area.
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Mississippi Health Insurance Stats
Mississippi Residents: 2,919,000
Median Annual Household Income: $39,078
Mississippi Health Care Expenditures (in millions): $19,384
Households with at least 1 full time worker: 1,238,500
Mississippi Health Insurance Coverage based on Total Population (%):
- Employer: 43%
- Individual: 5%
- Medicaid: 20%
- Medicare: 12%
- Uninsured: 19%
Avg. Monthly Mississippi Individual Premiums: $250
Total Mississippi HMO Enrollment: 113,162
Mississippi health insurance companies are not required to accept every application. They will look at an applicant's health history and pre-existing health conditions before setting the monthly premiums.
Federal laws do protect individuals who have left a group health plan with a former employer. Under HIPAA, Mississippi health insurance companies aren't allowed to impose an exclusion period or waiting period for a pre-existing condition. Another law, COBRA, gives former employees the right to stay on their group plan for a temporary period of time.
But the state's high-risk pool, the Mississippi Comprehensive Health Insurance Association, guarantees Mississippi health insurance coverage for residents who are turned down for private insurance.
Mississippi health insurance law also governs the coverage insurers provide. All Mississippi health insurance plans are required to cover certain health care services, such as:
- Diabetes treatment
- Vaccinations for children
Mississippi health insurance law also requires insurance companies to set coverage limits and maximums for mental health conditions equal to physical health conditions.
Health plans in the state are also guaranteed renewable, which means Mississippi health insurance companies cannot cancel a policyholder's coverage if they get sick or injured.
There are a few different public Mississippi health insurance programs to help low-income residents get health insurance coverage. They include:
The Medicaid program in Mississippi offers some low-income residents and disabled citizens free health insurance. To find out more about this state and federally-funded health care program, visit http://www.medicaid.ms.gov/.
- Children's Health Insurance Program
In Mississippi, low-income children who do not qualify for Medicaid can receive health insurance from the state's Children's Health Insurance Program (CHIP). Learn more about Mississippi CHIP online.
- Mississippi Breast and Cervical Cancer Early Detection Program
This program provides low-income women in Mississippi free screening for breast and cervical cancer. If diagnosed with cancer through this program, women can get full health insurance benefits through Medicaid. Learn more about this Mississippi health insurance program for women online.
- Mississippi Medicare
Seniors can find Mississippi health insurance through Medicare Advantage, Supplement and Original Medicare.
Some residents of Mississippi can also receive federal assistance for paying their health plan premiums through the Federal Health Coverage Tax Credit.
Residents in Mississippi with pre-existing conditions will be able to have health insurance coverage from the temporary high risk pools set up by the Patient Protection and Affordable Care Act.
The Pre-Existing Condition Insurance Plan (PCIP) in Mississippi will run like normal Mississippi health insurance plans and require enrollees to pay monthly premiums and out-of-pocket costs.
Those eligible for the Mississippi PCIP will pay around the same amount that people without medical conditions pay for health insurance. The estimated monthly premium costs for Mississippi residents will be $277 for ages 0 to 34; $332 for ages 35 to 44; $424 for ages 45 to 54; $590 for ages 55 and older. The deductible for PCIP is $2,500 a year with an out-of-pocket limit set at $5,950 a year.
People with medial conditions can get health insurance for provider visits, prescription drugs, emergency services and more.
Individuals may apply for the Mississippi PCIP if they have been denied health insurance coverage due to a medical condition, have been uninsured for six months and are a United States citizen.
For more information on the Mississippi health insurance high risk pools visit http://www.healthcare.gov/index.html.
The following list of companies offer Mississippi health insurance plans:
Aetna is one of the largest health insurance providers in America with more than 30 million members. Their network includes over 787,000 health care professionals.
Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.
Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.
Great American Insurance Company, a part of Great American Financial Resources Inc,, is a leading provider of health insurance and other coverage solutions.
Through affordable health insurance options, Humana helps their members better manage their healthcare and make informed health decisions.
John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.
Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
Today, Time Short Term health insurance is offered through the Assurant name. Time short term health plans provide comprehensive coverage for a temporary period of time at affordable rates.
Golden Rule, a UnitedHealthcare company, has been offering affordable health insurance solutions for over 60 years.
World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.
Find the contact information for the Mississippi health insurance and health services departments at:
1001 Woolfolk State Office Building
501 North West St.
Jackson, MS 39201
P.O. Box 79
Jackson, MS 39205
570 East Woodrow Wilson Drive
Jackson, MS 39216