Mississippi Health Insurance
Everyone has that same feeling when they find out they need to search for a health insurance plan; "Ugh!" Here at health-insurance.org, we hope that we can help to ease the pain a little bit for you through the use of our detailed guide. Our agents are just waiting to speak with you so they can assist you in getting the care you are looking for.
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Family Medical Coverage in Mississippi (MS)
- Group Health Insurance (HMO, PPO, POS, or HSA network) - A group plan may cost less than and individual policy, though some the rates vary between the different forms of group health policies. Make sure you know the difference between the different group plans before making your decision.
- Individual Health Insurance - Can be convenient if you wish to have more choice over the type of plan you get. Can be a bit more costly that n group health insurance and must be purchased by a private insurance carrier.
Mississippi Health Coverage for Individuals (MS)
Individuals have much the same options as do families in their choice of health insurance. If your employer offers a group health plan, than you may want to apply for an HMO or PPO. If you are unable to get a group health policy, than in individual health insurance is most likely your way to go. An individual plan can serve you well if you have specific health needs or prefer a certain doctor who is not covered under a group plan. Keep in mind that Mississippi state law does not limit individual providers from limiting or denying you individual coverage, whereas group health policies are not allowed to discriminate.
Health Providers in Mississippi (MS)
Changing Health Plans in Mississippi (MS)
- If you move away from Mississippi, you may not be able to buy an individual health insurance policy in another state unless you are HIPAA eligible.
- COBRA: Can assist you if you are in between jobs or are waiting for your new plan to cover a pre-existing condition in allowing you to remain in your old group health plan for a certain length of time.
- Employers can require a waiting period before your new health benefits begin.
The Mississippi Comprehensive Health Insurance Risk Pool Association is not an insurance company. It was created as a non profit legal unit to allow citizens of the state of Mississippi access to health insurance they might otherwise go without. Citizens, through the Mississippi Comprehensive Health Insurance Risk Pool Association Act, are assured health insurance. Those eligible for coverage must have an automatically rejectable preexisting health condition or been rejected by a licensed health insurance company within 12 months of applying to the Mississippi Comprehensive Health Insurance Risk Pool Association. Prior to application, the individual must have been a resident of Mississippi for at least six months. People eligible for Medicare, Medicaid or health care benefits under a state or federal program are not eligible for the Mississippi Comprehensive Health Insurance Risk Pool Association. Anyone who has similar coverage under another health care plan is also not eligible.
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Mississippi (MS) State Assistance
- Medicaid
- Children's Health Insurance Program (CHIP)
- Mississippi Breast and Cervical Cancer Early Detection Program
- The Federal Health Coverage Tax Credit (HCTC)
- Contact Mississippi Department of Human Services for more programs
Consumer Alerts
The Mississippi Department of Insurance has a few tips for people trying to get insurance with preexisting conditions. A health insurance company that offers a "one time offer" or has an extreme sense of urgency may not be a creditable company. Unusually low premiums below the average price for comparable health insurance on the market should be another warning sign that this company may not be what they seem. Promises of generous benefits and a large network of physicians can be "too good to be true".
If the plan has very few limitations, beware. With the exception of the Mississippi Comprehensive Health Insurance Risk Pool, most health insurance has definite limits on the preexisting conditions they will accept.
Final Word
Beware of any health insurance representative who is evasive when questioned about preexisting conditions or requires a deposit at the application process.
In need of health insurance in Mississippi? Ask for an insurance quote!
Last Updated : Friday, August 17, 2007