Mississippi Health Insurance
As a resident of Mississippi, you have plenty of Mississippi health insurance options to choose from. There are multiple insurance companies in Mississippi that provide a range of plans for a variety of health needs.
Here you'll be able to get helpful information for finding health insurance in Mississippi. See some of the state’s top health insurance companies and read about the important Mississippi health insurance laws and regulations you should be aware of as you look for your plan. You can also find information about financial assistance and public Mississippi health insurance programs.
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Resources on this page
Mississippi Health Insurance Companies
Mississippi Health Insurance Laws and Regulations
Public Health Insurance Programs for Mississippi Residents
Mississippi Health Insurance High Risk Pools
Contact Info for the Mississippi Insurance Department and Department of Health
The following list of companies offer health insurance plans in Mississippi:
Celtic Health Insurance
Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.
Golden Rule Health Insurance
Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.
Humana Health Insurance
Through affordable health insurance options, Humana helps their members better manage their healthcare and make informed health decisions.
Time Insurance Health Insurance
Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
World Insurance - Brokerage Health Insurance
World Insurance - Brokerage is a leading provider of affordable health insurance options. Their plans provide comprehensive coverage and access to an extensive network of doctors and hospitals.
John Alden Health Insurance
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.
Aetna Health Insurance
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.
WorldIns - ExpressMed Health Insurance
World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.
Golden Rule Platinum Health Insurance
Golden Rule, a UnitedHealthcare company, has been offering affordable health insurance solutions for over 60 years.
Time Short Term Health Insurance
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.
Great American Health Insurance
Great American Insurance Company, a part of Great American Financial Resources Inc,, is a leading provider of health insurance and other coverage solutions.
MEGA Life and Health Insurance Company
At The MEGA Life and Health Insurance Company, the focus is on personalizing a health plan that meets your needs.
Mississippi Health Insurance Laws and Regulations
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:
- Mammograms
- 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.
Mississippi Public Health Insurance Programs
There are a few different public Mississippi health insurance programs to help low-income residents get health insurance coverage. They include:
- Medicaid
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.
Mississippi Health Insurance High Risk Pool
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.
Mississippi Insurance Department and Department of Health
Find the contact information for the Mississippi health insurance and health services departments at:
Mississippi Insurance Department
Office:
1001 Woolfolk State Office Building
501 North West St.
Jackson, MS 39201
Mailing Address:
P.O. Box 79
Jackson, MS 39205
http://www.mid.state.ms.us/
Mississippi State Department of Health
570 East Woodrow Wilson Drive
Jackson, MS 39216
Phone: 1-866-458-4948
http://www.msdh.state.ms.us/
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