Best Medicare Advantage Plans Mississippi 2025

Searching for the best Medicare Advantage plans Mississippi 2025 has to offer?

Our guide compares the top contenders to help you understand their key benefits and decide which plan could be right for your healthcare needs.

Expect straightforward insights detailing each plan’s coverage and costs, aiding your choice in the vast Medicare landscape.

 

Key Takeaways

 

  • Medicare Advantage plan costs are a crucial consideration when choosing a plan and can include monthly premiums, co-pays, coinsurance, deductibles, and out-of-pocket maximums. In 2025, the average monthly premium for Medicare Advantage Plans in Mississippi was $20.89.

 

  • Eligibility for Medicare Advantage Plans in Mississippi requires enrollment in Medicare Part A and Part B, and key periods for the enrollment process include the Initial Coverage Election Period, the Annual Election Period from October 15 to December 7, and the Medicare Advantage Open Enrollment Period from January 1 to March 31.

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Top 5 Medicare Advantage Plans in Mississippi for 2025

With a plethora of options at your disposal, finding the best Medicare Advantage plan in Mississippi might seem daunting. But you’re not alone in this quest. To aid you, we’ve curated a list of the top five plans for 2025.

 

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Each of these plans offers unique benefits, making them the preferred choice for many Mississippi residents.

At the helm of these best Medicare Advantage plans are:

 

  • Humana Gold Plus H1036-151 (HMO), a plan recognized for its significant financial advantage with a $0 monthly premium
  • AARP Medicare Advantage Choice H8768-029 (PPO), known for its affordable premium and free preventive care
  • Aetna Medicare Freedom Plan H5521-218 (PPO)
  • Cigna Preferred Medicare H4407-026 (HMO)
  • UnitedHealthcare’s AARP Medicare Advantage Choice (PPO)

 

Each plan offers a unique blend of benefits to cater to your specific healthcare needs.

 

Humana Gold Plus H1036-151 (HMO)

The Humana Gold Plus H1036-151 (HMO) plan is a gold standard in Medicare Advantage plans in Mississippi. Why is it unique? It boasts a five-star rating from CMS and is the top-rated plan for 2025. Its achievements go beyond these accolades.

Beyond the prestige, the plan offers a substantial financial advantage with a $0 monthly premium. Primary care visits are offered at no cost, and prescription drugs are available at low prices.

To top it off, a comprehensive dental package makes it a standout choice among beneficiaries. With all these features, it’s no surprise that Humana Gold Plus continues to shine brightly in the realm of Medicare Advantage plans.

 

AARP Medicare Advantage Choice H8768-029 (PPO)

Following the Humana Gold Plus is the AARP Medicare Advantage Choice H8768-029 (PPO) plan.

This value-for-money plan delivers a multitude of benefits without straining your finances. With a moderate monthly premium of $40 and an annual deductible of $295, it’s a pocket-friendly choice for many beneficiaries.

But the affordability doesn’t compromise the quality of services. The plan comes with an out-of-pocket maximum of $6,700, ensuring you’re protected from high healthcare costs.

Moreover, preventive care and diagnostic procedures are included at no extra cost, making it an attractive choice for those seeking comprehensive coverage at an affordable cost.

 

Aetna Medicare Freedom Plan H5521-218 (PPO)

Another top-ranked Medicare Advantage plan in Mississippi is the Aetna Medicare Freedom Plan H5521-218 (PPO). Its emphasis on choice freedom and comprehensive coverage makes it a favorite among beneficiaries.

 

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One of the standout features of this plan is its extensive inpatient hospital coverage, including mental health services.

Prescription drugs are offered at an affordable rate, ensuring you don’t have to worry about high medication costs. Additionally, the plan provides hearing, dental, and vision services, showcasing its commitment to overall wellness.

With all these benefits, the Aetna Medicare Freedom Plan is truly a symbol of healthcare freedom.

 

Cigna Preferred Medicare H4407-026 (HMO)

For those prioritizing zero-cost services, the Cigna Preferred Medicare H4407-026 (HMO) plan could be your ideal fit. Its range of zero-cost services across various care options has won the hearts of many Mississippi residents, making it a popular choice among those considering Original Medicare alternatives.

Primary and specialist care services are offered at no additional cost under this plan. But the benefits don’t stop there. The plan extends its zero-cost benefits to preventive care, lab services, and hearing exams.

This comprehensive range of zero-cost services significantly enhances the value proposition of the Cigna Preferred Medicare H4407-026 (HMO), making it a top choice among Medicare Advantage plans.

 

UnitedHealthcare’s AARP Medicare Advantage Choice (PPO)

Rounding up our list is the UnitedHealthcare’s AARP Medicare Advantage Choice (PPO) plan, offered by one of the leading private insurance companies. Its distinctive mix of affordability and extensive coverage has made it a favorite among numerous beneficiaries.

One of its notable features is the low maximum out-of-pocket costs, offering financial protection against high healthcare costs.

The plan also delivers seven core benefits to its members, ensuring a broad range of healthcare needs are covered. Moreover, prescription drug coverage is a key element of this plan, offering peace of mind for those with ongoing medication needs.

With all these features, UnitedHealthcare’s AARP Medicare Advantage Choice (PPO) stands as a robust contender in the realm of Medicare Advantage plans.

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Understanding Medicare Advantage Plans in Mississippi

Medicare Advantage plans in Mississippi offer a diverse range of options rather than a one-size-fits-all solution. Each type presents a unique combination of benefits and costs. The four primary types of Medicare Advantage plans include:

 

  1. Health Maintenance Organization (HMO)
  2. Preferred Provider Organization (PPO)
  3. Private Fee-for-Service (PFFS)
  4. Special Needs Plans (SNP)

 

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HMO plans, like Humana Gold Plus H1036-151, require a primary care doctor and referrals to see specialists, emphasizing care within a specific network.

On the other hand, PPO plans, like AARP Medicare Advantage Choice H8768-029, offer more flexibility, allowing you to choose providers both within and outside the network, often at different cost levels. Understanding these differences is crucial as it influences your network of care providers, costs, and the additional benefits available to you.

 

Costs and Factors to Consider

Selecting a Medicare Advantage plan involves considering more than just the benefits; costs are equally important. Indeed, financial implications significantly influence your decision. These costs include:

 

  • Monthly premiums
  • Co-pays
  • Coinsurance
  • Deductibles
  • Out-of-pocket maximums

 

For instance, in 2023, 100% of the total Medicare population in Mississippi had access to a Medicare Advantage Plan with a $0 monthly premium.

However, the average monthly premium for Medicare Advantage Plans in Mississippi, which is a factor in the overall medicare advantage cost, was $20.89 in 2025.

When selecting a plan, it’s important to evaluate the following factors:

 

  • Coinsurance or copayment amounts for seeing in-network specialists or general healthcare providers
  • Additional premium, paid on top of the standard Part B premium, that may be required depending on the chosen Medicare Advantage plan
  • Out-of-pocket limit, which is the maximum amount a beneficiary will pay before the plan covers 100% of healthcare costs.

 

Eligibility and Enrollment Process

Before enrolling in a Medicare Advantage Plan in Mississippi, ensure you’re already enrolled in Medicare Part A and Part B. But who is eligible for Medicare Advantage Plans? Medicare beneficiaries, such as individuals aged 65 or older, those with a qualifying disability, and individuals diagnosed with End-Stage Renal Disease (ESRD) or amyotrophic lateral sclerosis (ALS), all meet the eligibility criteria.

 

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Once you’re eligible, the next step is to enroll. Here are the enrollment periods to keep in mind:

 

  • The Initial Coverage Election Period for new beneficiaries is the three months before turning 65, the month of the birthday, and the three months after.
  • For those with disabilities, a similar period applies around their 25th month of disability benefits.
  • The Annual Election Period for Medicare Advantage runs from October 15 to December 7.
  • The Medicare Advantage Open Enrollment Period is from January 1 to March 31.

Additional Benefits and Services

Mississippi’s Medicare Advantage plans, which are part of the federal Medicare program, offer more than just standard health coverage; they provide a range of additional benefits and services, including Medicaid services.

In fact, most Medicare Advantage plans, like Aetna Medicare Freedom Plan H5521-218, integrate prescription drug coverage, offering a convenient way to manage both medical and medication costs under one plan.

Moreover, several plans, such as those from Aetna, often include:

 

  • Fitness and wellness programs like SilverSneakers
  • Additional wellness benefits
  • Reduced cost-sharing
  • Rewards and incentives to encourage healthy living

 

These plans are designed to promote and support healthy lifestyles.

 

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In addition to their comprehensive health coverage, Medicare Advantage plans typically offer routine vision, dental, and hearing benefits, including coverage for:

 

  • Eye exams
  • Glasses
  • Dental cleanings
  • Fillings
  • Hearing aids

 

Comparing Plans and Providers

Selecting the appropriate Medicare Advantage plan is a critical decision that necessitates a thorough comparison of plans and providers. CMS rates Medicare Advantage plans annually using a one to five-star scale to assist beneficiaries in comparing plan performance. Moreover, Medicare.gov’s plan finder tool displays available plans by ZIP code, including CMS ratings and other crucial information for comparison.

However, not all providers offer Medicare Advantage plans in every county of Mississippi, making it essential to check plan availability by ZIP code. Beneficiaries can:

 

  • Access Mississippi SHIP for unbiased information
  • Contact the Senior Medicare Patrol to prevent fraud
  • Utilize downloadable checklists and state resources like MississippiCAN.

 

Tips for Choosing the Right Plan

The selection of the right Medicare Advantage plan is based on your personal healthcare needs and preferences. Therefore, using Medicare Learning Guides or seeking advice from knowledgeable advisors can aid in finding a plan that fits your requirements.

Choosing the right type of Medicare Advantage Plan (HMO, PPO, etc.) is also important as it influences the network of care providers, costs, and additional benefits available to you.

For instance, PPO plans offer more freedom to choose healthcare providers and are suitable for those willing to pay for increased flexibility.

Remember, you can always change plans during the Medicare annual enrollment period, which allows for adapting to any new healthcare needs or changes in plan offerings.

Summary

In conclusion, choosing the right Medicare Advantage plan in Mississippi is a critical decision that can have a significant impact on your health and financial well-being.

With a range of options available, from Humana Gold Plus H1036-151 (HMO) to UnitedHealthcare’s AARP Medicare Advantage Choice (PPO), there’s a plan to meet every healthcare need. Be sure to consider costs, benefits, eligibility, and enrollment processes, and don’t hesitate to seek out help in making this important decision.

Remember, the right plan for you is the one that best meets your individual healthcare needs and financial circumstances.

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Frequently Asked Questions

 

What is the biggest disadvantage of Medicare Advantage?

The biggest disadvantage of Medicare Advantage is the restrictive networks and limited choice of doctors and medical offices, which can result in higher out-of-pocket costs and difficulty in accessing care. Dec 19, 2023

 

Which Medicare Advantage plan has the highest rating?

Humana is considered to have the highest rating for Medicare Advantage plans due to its high quality ratings, good customer satisfaction, widespread availability, and numerous $0-per-month plans. Customers also report better quality of health care compared to AARP/UHC.

 

Why are people leaving Medicare Advantage plans?

People are leaving Medicare Advantage plans due to excessive prior authorization denial rates and slow payments from insurers. Dec 14, 2023.

 

What is the Medicare limit for 2025?

In 2025, the Medicare limit is $103,000 for an individual filing an income tax return and $206,000 for a beneficiary filing a joint tax return.

 

What are the top Medicare Advantage Plans in Mississippi for 2025?

The top Medicare Advantage Plans in Mississippi for 2025 are Humana Gold Plus, AARP Medicare Advantage Choice, Aetna Medicare Freedom Plan, Cigna Preferred Medicare, and UnitedHealthcare’s AARP Medicare Advantage Choice.

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