The Mississippi Health Insurance Market
The Mississippi Health Insurance market is fairly simple to tread through for shoppers due to the fact that there are not that many companies in the state of Mississippi to choose from. Currently, there are only two Every Choice Health Insurance-approved companies in the entire state. If your current health insurance company is not listed here, you should certainly begin comparing other companies right now as we have done impeccable research and our findings conclude that unless you have either United Health One or Humana, chances are you are either overpaying or risking your health by going with an untrusted name.
Mississippi Health Insurance Protection Laws
Mississippi health insurance carriers are allowed to reject individuals for coverage which means that for now Mississippi is not a guarantee issue state like Massachusetts. However, health insurance are not allowed to enforce pre-existing periods of longer then 12 months.
The state of Mississippi also offers a state continuation of coverage for groups with fewer than 20 employees for up to 12 months of coverage. The caveat is that individuals must have been active under the previous plan for at least 3 months.
Mississippi Health Insurance Companies
Humana One in Mississippi turns out to offer the best coverage for large families when running a quote. For individuals and families alike, there are plenty of options to fit various budgets and health care coverage preferences. Low-cost options are available with limited benefits for a higher monthly rate in exchange for a lower amount of cost sharing on selected services, and the more comprehensive plans have the lowest premiums, especially HSA plans. Humana One plans also give members the flexibility of using in-network providers or non-network providers for care, which can be very helpful in smaller towns without access to an abundance of doctors and facilities.
UnitedHealthOne provides a selection of Short Term Medical and Supplemental Insurance plans to Mississippi residents, though their advantage lies in the size of their national provider network. Having a UnitedHealthOne plan underwritten by Golden Rule connects you to the Choice Plus PPO network, which includes one of the largest networks of physicians, hospitals, and facilities in the country, and coverage that works out-of-state.