Mississippi Health InsuranceIndividuals and Families
Mississippi Health Insurance
How to find an affordable plan.
If you are looking for affordable health insurance policy most Mississippi residents will usually look first at an HMO. Most major health insurance carriers have HMO programs that help their members afford coverage. HMO stands for Health Maintenance Organization and means you will have to select a doctor and a hospital from the list of participating physicians and facilities to use as a regular physician. A positive note in favor of HMOs is that there is usually no waiting period or exclusion for previous illness or existing medical problems. If you or a member of your family has a condition that pre-dates your search for health insurance you will be able to continue the medical care without interruption or paying expensive medical costs during the waiting period. A few reasons why you might prefer a different type of insurance over an HMO is if your regular doctor or closest hospital is not included in your chosen plan. In those cases you can check into a PPO from the health insurance provider of your choice to see if it is one of their plan options. While a PPO (Preferred Provider Organization) is a little more expensive on a monthly basis than an HMO they do not require you to pick one particular physician or hospital so long as the one you choose at any given time is a member of their plan.
Leading Mississippi Health Insurance Companies
Other Health Insurance Coverage Options
If you still are not able to find a physician or local hospital that you feel you must have you should look into a POS plan. POS stands for Point of Service and is the traditional type of health insurance. You can choose any doctor or medical facility for your care and the health insurance company will pay a portion of the bill. The draw back to the flexibility of a POS plan is that they usually are more expensive monthly, and you will be responsible for the remainder of the charges not paid by the policy for services rendered.
If you are unable to find traditional individual health insurance coverage through more traditional means, there are other options to explore. A major medical policy with high deductibles is usually much more affordable than HMO, PPO, or PPO type plans. One thing to remember is that major medical does not cover the cost of routine visits or treatments. If you do decide to go with a major medical policy, consider a savings account dedicated specifically to your routine medical care costs.
The state of Mississippi has several government sponsored programs for residents who cannot afford or do not qualify for private insurance. The Children's Health Insurance program (CHIP) is designed for working families who do not have the means to pay for insurance. To apply for the program you must be a US citizen, provide proof of family income, have a valid social security number. If you are unable to obtain coverage for health status or preexisting condition you should explore the Mississippi Comprehensive Health Insurance Risk Pool Association. The association is for residents and falls under the Health Insurance Portability and Accountability Act (HIPPA).
Resources and Information
Mississippi Medicare Plans
Seniors age 65 and older are eligible for a variety of Medicare plans in Ohio. Medicare plan options include Medigap and Medicare Advantage policies:
Mississippi Doctor Directory
Doctors practicing medicine in the State of Mississippi are licensed by the state. Doctors accept different forms of health insurance which you can verify before setting an appointment.