Medicare in Mississippi

Mississippi may be smaller than some states, but when it comes to Medicare, it offers a broad range of coverage options — from Original Medicare to Medicare Advantage, Medigap, and Part D drug plans. This guide explains how Medicare works in Mississippi, what coverage choices are available, and how to find the right plan for your needs.

Who's Eligible for Medicare in Mississippi?

If you live in Mississippi and meet one of the following, you're likely eligible for Medicare:

You're age 65 or older
You're under 65 and have received SSDI for 24+ months
You have End-Stage Renal Disease (ESRD) or ALS
You're a U.S. citizen or lawful permanent resident (5+ continuous years)

To enrol in a Medicare Advantage or Part D plan in Mississippi, you must live in the plan's service area at least 6 months of the year.

Medicare Coverage Options in Mississippi

Coverage Type	What It Covers
Original Medicare	Part A (hospital) + Part B (medical); any provider that accepts Medicare
Medicare Advantage	All-in-one plans from private insurers; usually includes drug, dental and vision
Part D (Drug Plans)	Standalone prescription coverage if you have Original Medicare or Medigap
Medigap (Supplement)	Helps pay out-of-pocket costs from A & B; must pair with Original Medicare

Medicare Advantage in Mississippi

Mississippi residents have access to a broad selection of Medicare Advantage (Part C) plans.

Most counties offer 20–40 plan options
$0-premium plans are available across much of the state

Many plans include benefits such as:

Dental, vision, and hearing
Prescription drug coverage (Part D)
Fitness memberships
OTC product allowances
Transportation to medical appointments

Availability varies by county — options in Jackson may differ from Tupelo or Gulfport.

Medigap Plans in Mississippi

Mississippi follows attained-age rating for Medigap premiums. That means your premiums are based on your current age and may increase as you get older.

Most popular Medigap plans:

Plan G — broadest coverage (excludes the Part B deductible)
Plan N — lower monthly premium, with some cost-sharing (copays, no excess-charge coverage)
Plan F — only for those eligible before Jan 1, 2020

Key facts about Medicare Supplements in Mississippi

Works with any doctor or hospital that accepts Medicare
Doesn't include drug, dental, or vision coverage
Requires a separate Part D plan for prescriptions

Note: Medigap cannot be combined with Medicare Advantage.

Part D in Mississippi: Drug Plans

If you choose Original Medicare or Medigap, you'll need a standalone Part D plan to cover prescriptions.

Plans vary by ZIP code and formulary
Deductibles can go up to $615 in 2026
Most plans are tiered (generic drugs cost less than brand-name)
The $2,100 annual out-of-pocket cap limits what you can spend on covered drugs

Already on a Medicare Advantage plan? Drug coverage is usually included.

Help for Low-Income Medicare Beneficiaries in Mississippi

If you're on a fixed income, Mississippi offers several support programmes to reduce your Medicare costs:

Extra Help (LIS) — lowers drug premiums and copays
Medicare Savings Programs (MSPs) — may pay your Part B premium and other costs
Medicaid & Dual-Eligible Plans — for those who qualify for both Medicare and Medicaid
SHIP (State Health Insurance Assistance Program) — free Medicare counseling for Mississippi residents

Not sure if you qualify? We'll help you find out — no pressure, just support.

Medicare Enrollment Periods in Mississippi

Enrollment Period	When	What You Can Do
Initial Enrollment Period	7 months around your 65th birthday	Enrol in Parts A, B, C and D for the first time
General Enrollment Period	January 1 – March 31	Enrol if you missed your IEP; coverage begins July 1
Annual Enrollment Period	October 15 – December 7	Switch, join or drop Advantage and Part D plans
Medicare Advantage OEP	January 1 – March 31	Make one change if you're already in an Advantage plan

Read the full guide to Medicare enrollment periods →