Many residents enroll in Mississippi Medicare Part D Plans for 2022. In the United States, there are 44,4430,44 participants, with 438,156 residing in Mississippi. There are 325,026 in a stand-alone Part D plan, while 113,106 are currently enrolled in an MAPD (Medicare Advantage Prescription Drug) plan.

Mississippi Medicare Part D Plans

Mississippi Medicare Part D Plans work by covering prescriptions not available under Original Medicare. These plans by private insurance companies let you pick up affordable medications at your pharmacy. We’ll explore different plans available.

Part D Plans with the Lowest Premium in Mississippi

Having a Part D Plan with a low premium is an excellent choice if you won’t be using your coverage often. The first significant plan available is Aetna. This plan has a low premium of $6.50.

UnitedHealthcare is another popular choice mainly because it’s widely available. In addition, if you choose to obtain a low premium plan through UnitedHealthcare, you can expect a monthly rate of $29.30.

Humana is another huge player and is a popular choice when visiting pharmacies in stores like Costco. This plan has a premium of $22.70. However, all three plans have the same deductible of $480.

PLAN PREMIUM DEDUCTIBLE STAR RATING GAP COVERAGE
Aetna $6.50 $480 3 No
Wellcare $13.00 $480 3 No
Clear Spring Health $18.50 $480 2 No
Humana $22.70 $480 4 No
UnitedHealthcare $29.30 $310 4 Yes

Part D Plans with a Zero-Dollar Deductible in Mississippi

Obtaining a Part D plan with a zero-dollar deductible is ideal when you frequently need medication. However, you’ll have to pay higher premiums. For example, a plan with Aetna means you’ll be spending a monthly premium of $59.

Wellcare has a four-star plan with a zero-dollar deductible. However, with this plan, you’ll need to pay a monthly premium of $68.90.

The third entry on the list is UnitedHealthcare. UnitedHealthcare has the highest premium, $97.30, and a three-star rating for overall plan effectiveness.

PLAN PREMIUM DEDUCTIBLE STAR RATING GAP COVERAGE
Aetna $59.00 $0 3 Yes
Wellcare $68.90 $0 3 No
UnitedHealthcare $97.30 $0 3 Yes

Part D Plans with Gap Coverage in Mississippi

Some Mississippi Medicare Part D Plans also .. For example, UnitedHealthcare has a $29.30 premium and a $310 deductible. There’s another UnitedHealthcare plan that has a $97.30 and a zero-dollar deductible.

You can also choose Cigna, one of the biggest health insurance companies in the States. Its Part D Plan comes with a $63.20 monthly premium and a $100 deductible.

Lastly, there’s Aetna which provides nationwide programs, including wellness programs. Using this plan, you can expect to pay a $59 premium. While it’s higher than some other Part D Plans, it also comes with a zero-dollar deductible.

PLAN PREMIUM DEDUCTIBLE STAR RATING GAP COVERAGE
UnitedHealthcare $29.30 $310 4 Yes
Aetna $59.00 $0 3 Yes
Cigna $63.20 $100 3 Yes
UnitedHealthcare $97.30 $0 3 Yes

Part D Plans with a Low-Income Subsidy

In the United States, there are 11,537,454 residents eligible for Low-Income Subsidy (LIS). Of this number, 165,482 live in Mississippi.

Wellcare has an LIS plan available with a $25.70 premium. Like the rest on this list, its deductible is $480. PPO plan members sometimes can use their plan when they travel outside their state, offering more flexibility.

Clear Spring Health has a low monthly premium of $26.80. However, the plan also has a lower two-star rating.

Humana is a top choice due to its wide availability. Additionally, most Humana Mississippi Medicare Part D plans allow you to buy generic prescriptions for four dollars or less. The plan listed below has a $29.90 premium.

Cigna’s plan typically means you’ll pay between four to ten dollars for most generic prescriptions. This plan has a three-star rating and a monthly premium of $28.90.

PLAN PREMIUM DEDUCTIBLE STAR RATING GAP COVERAGE
Wellcare $25.70 $480 3 No
Aetna $25.90 $480 3 No
Clear Spring Health $26.80 $480 2 No
Cigna $28.90 $480 3 No
Humana $29.90 $480 4 No

Amount of Beneficiaries that Fall into each Part D Coverage Phase

Part D plans come in different coverage phases, and currently, most Mississippi residents—195,989—are in the initial coverage phase. You also have a coverage gap known as the donut hole, where you often see higher out-of-pocket expenses. You typically need to pay copays on your prescriptions before reaching the next phase to get out of this phase.

The numbers below are beneficiaries that fall into each stage.

Deductible Phase Initial Coverage Phase Coverage Gap Phase Catastrophic Phase
118,072 195,989 59,129 49,088

Cities in Mississippi with Estimated Premiums for Medigap Coverage

We’ve made charts with estimated premiums for Medicare Supplement plans for the following cities:

FAQs

What Drugs Are Covered by Medicare Part D in Mississippi?

Every Medicare Part D Plan needs to cover a broad spectrum of prescriptions, especially when treating conditions like HIV/AIDS or cancer. Although a plan might not cover your specific medication, it might have a choice, such as a generic prescription.

How Much Does Medicare Part D Cost in Mississippi?

Every Medicare Part D plan has different costs, including deductibles and monthly premiums. In addition, coverage costs can depend upon the drugs you’re using, how often you visit your pharmacy, and if you’re getting Extra Help.

How to Qualify for Medicare Part D in Mississippi?

You’re eligible to enroll in a Mississippi Medicare Part D plan if you’re already receiving Medicare Part A and Medicare Part B. To qualify for Original Medicare, you must be at least 65, disabled, hve End-Stage Renal Disease, or have Lou Gehrig’s Disease.

What Documentation Do I Need to Enroll My Mother in Medicare Part D in Mississippi?

For enrolling a loved one in a Medicare Part D plan, many people use an original or a copy of a verified birth certificate. However, you may use other documents that prove their age, such as school, medical, immunization, or state census records. In addition, you must have official Power of Attorney documents.

What Is the Most Popular Medicare Part D Plan in Mississippi?

There are many popular Medicare Part D plans you can sign up for in Mississippi. Although they each carry their pros and cons, some of the highest-rated plans include plans from Humana, AARP Medicare, Cigna, and Mutual of Omaha. Some are basic plans, while others offer more comprehensive coverage.

How to Get Help Signing Up for a Medicare Part D Plan in Mississippi

Medicare and Medicare Advantage Plans don’t always cover your prescriptions. Sometimes, it’s necessary to sign up for a Medicare Part D Plan. However, with so many options available, having a team of professionals guide you can be a great benefit.

Working with the Medigap.com team means receiving professional service as we pair you with the right plan. We work with all major carriers, and our service is free. Give us a call today or fill out our form to get rates now.

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by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.