Many residents enroll in Mississippi Medicare Part D plans. 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 chose to enroll 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 programs available.

Part D Plans with the Lowest Premium in Mississippi

A Part D Plan with a low premium is an excellent choice if you won’t use 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 programs 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

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 program 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 have gap coverage. For example, UnitedHealthcare has a $29.30 premium and a $310 deductible. Another UnitedHealthcare plan 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 a Low-Income Subsidy (LIS). Of this number, 165,482 live in Mississippi.

Wellcare has a LIS plan available with a $25.70 premium. Like the rest on this list, its deductible is $480. PPO plan members can sometimes 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. 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 paying between $4-$10 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; 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 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 can enroll in a Mississippi Medicare Part D plan if you already receive Medicare Part A and B. To qualify for Original Medicare, you must be at least 65, disabled, have 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?

Many people use an original or a copy of a verified birth certificate to enroll a loved one in a Medicare Part D plan. 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, signing up for a Medicare Part D Plan is necessary. However, with many options available, having a team of professionals guide you can significantly benefit you.

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. Call us today or fill out our form to get rates.

Written By:
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Lindsay Malzone, Lindsay Malzone is the Medicare editor for Medigap.com. She's been contributing to many well-known publications 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.
Reviewed By:
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Rodolfo Marrero, Rodolfo Marrero is one of the co-founders at Medigap.com. He has been helping consumers find the right coverage since the site was founded in 2013. Rodolfo is a licensed insurance agent that works hand-in-hand with the team to ensure the accuracy of the content.