Original Southaven, Mississippi Medicare Part A and B cover most inpatient and outpatient services for hospital stays and essential medical procedures. However, Southaven also has several Medicare plans, which are optional packages with benefits not included in baseline Medicare. The four most common types of Southaven Mississippi Medicare Plans are Medicare Advantage, Medicare Supplement plans, Part D Medicare, and Medicare Special Needs Plans (SNP).
Southaven, Mississippi, Medicare plans
Unlike Original Medicare Part A and B in Mississippi, private insurance companies control Medicare plans and can fluctuate their prices based on several factors, including age, gender, and location.
The charts below will look at the most popular Southaven, Mississippi, Medicare plans and providers and what the average 65-year-old female pays for them.
Cheapest Medicare Advantage plans in Southaven, Mississippi
In rare cases, in Southaven, Mississippi, Medicare Advantage plans give enrollees coverage for basic health services like vision, dental, hearing, and prescription medication. Lucky for Southaven residents, DeSoto County, Southaven’s home country, has 25 different plans available across several providers.
Humana’s Regional PPO Medicare Advantage plan is one of Southaven’s most popular and affordable plans. It has a $0 premium and a $7,550 maximum out-of-pocket rate (MOOP).
Cigna offers another low-cost Medicare Advantage option with a $0 premium and a slightly lower $6,700 MOOP. This HMO plan also has a four out of five-star rating that judges Medicare Advantage plans’ effectiveness.
Wellcare’s Local PPO Medicare Advantage plan also comes with a $0 premium and the lowest MOOP in Southaven at $6,000.
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Humana | $0 | $7,550 | REGIONAL PPO | 4 |
| Wellcare | $0 | $6,000 | LOCAL PPO | N/A |
| Cigna | $0 | $6,700 | HMO | 4 |
| Aetna | $0 | $6,900 | LOCAL PPO | 4 |
| UnitedHealthcare | $0 | $6,700 | LOCAL PPO | 4 |
Affordable Medicare Supplement plans in Southaven, MS
Mississippi Medicare Supplement plans, or Medigap plans, are federally standardized optional Medicare packages that cover services like blood transfusions and Part A and B deductibles. Southaven, MS, offers 12 different Medicare Supplement plans, each with varying coverage ranges and price points. Since the federal government standardizes each plan, their benefits won’t change regardless of your provider or state.
Medigap Plan G is one of Southaven’s most enrolled-in Medicare Supplement plans. It covers almost every Medigap benefit, but the average premiums are higher than you’ll pay for most plans, ranging from $95.33 to $361.44.
Another popular Medigap option in Southaven, MS, and the most popular plan nationwide, is Plan F. This Medigap policy has the most coverage but also has much higher premiums that range from $108.30 to $387.62
Plan N is another go-to for Southaven, MS, beneficiaries. Its average premiums are considerably lower than Plans G and F, ranging from $71.93 to $303.85, but it doesn’t cover as much as those other plans.
| LETTER PLAN | LOWEST PREMIUM | HIGHEST PREMIUM |
| PLAN A | $85.25 | $311.78 |
| PLAN B | $106.12 | $313.75 |
| PLAN C | $125.03 | $386.12 |
| PLAN D | $103.30 | $268.99 |
| PLAN F | $108.30 | $387.62 |
| PLAN HDF | $28.00 | $59.95 |
| PLAN G | $95.33 | $361.44 |
| PLAN HDG | $28.00 | $59.85 |
| PLAN K | $49.25 | $146.87 |
| PLAN L | $62.00 | $220.37 |
| PLAN M | $78.23 | N/A |
| PLAN N | $71.93 | $303.85 |
Average Medicare Part D prescription drug plans
Southaven, Mississippi, Medicare Part D plans cover prescription medication costs. Part D is unique compared to other Medicare Supplement forms since no Medigap plans and only a handful of Medicare Advantage plans help with medication costs.
Aetna’s Part D plan is one of the most affordable in Southaven, with a $6.60 monthly premium and a $480 annual deductible.
UnitedHealthcare offers a Part D plan in Southaven with a slightly higher $29.30 premium but a lower-than-average $310 deductible.
Humana’s Southaven Part D coverage is one of the most well-regarded. It has a four-star rating, a $480 deductible, and a $22.70 premium.
| PLAN | PREMIUM | DEDUCTIBLE | STAR RATING |
| Aetna | $6.50 | $480 | 3 |
| Wellcare | $13.00 | $480 | 3 |
| Clear Spring Health | $18.50 | $480 | 2 |
| Humana | $22.70 | $480 | 4 |
| UnitedHealthcare | $29.30 | $310 | 4 |
Medicare Special Needs plans
SNPs are a subset of Medicare Advantage available for enrollees with chronic disabilities or specialized medical requirements. Not every Medicare Advantage provider offers Special Need Plans, and those that do offer them in limited locations.
Wellcare’s $0 premium, $3,400 MOOP HMO, Special Needs Plan, is one of the most affordable in Southaven, MS.
Humana has a nearly identically priced SNP to Wellcare’s with no monthly premium and a $3,450 MOOP.
Aetna’s $0 premium, $7,550 MOOP dual eligibility SNP, is another popular option for Southaven Medicare Advantage users.
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| UnitedHealthcare | $0 | $7,550 | HMO | Dual |
| Shared Health | $0 | $7,550 | HMO | Dual |
| Wellcare | $0 | $3,400 | HMO | Dual |
| Humana | $0 | $3,450 | HMO | Dual |
| Aetna | $0 | $7,550 | HMO | Dual |
FAQs
How do I sign up for Medicare in Southaven, MS?
If you’re 65 or older and already have Social Security or Railroad Retirement Board benefits, the federal government will automatically enroll you for Southaven Original Medicare.
If you don’t meet those requirements or don’t receive automatic enrollment, you can sign up at your local Southaven Social Security office, online, or over the phone.
When can I apply for Medigap in Southaven, Mississippi?
Your six-month open enrollment window is the best time to enroll in a Medicare Supplement plan. In Southaven, that window opens as soon as you begin your Original Medicare Part B benefits.
Is Medicare Part A and Part B free in Southaven, Mississippi?
Medicare Part A is premium-free in Southaven if you or your spouse paid Medicare taxes over ten years of employment or received Social Security or Railroad benefits. However, Part A still has a deductible, and standard Part B has a premium and deductible for everyone.
Do Medigap plans over drugs in Southaven?
Medigap plans in Southaven don’t include prescription drug coverage. You’ll need a Medicare Part D or specialized Medicare Advantage plan for reliable medication coverage.
Can I add Part D anytime in Southaven, Mississippi?
You can add Medicare Part D in Southaven during your Initial Enrollment Period or the Annual Enrollment Period. Annual Enrollment runs from October 15 to December 7. Certain life events will trigger a Special Enrollment Period that allows you to enroll outside the standard enrollment windows.
How to sign up for Medicare plans in Southaven, Mississippi
Our team makes signing up for Southaven, Mississippi Medicare plans easy. We’ll compare prices and policies from all of Southaven’s Medicare providers and organize them for you at no cost so that you can easily find a plan that works for you. Give us a call today, or complete our online rate form now.
