With heath insurance costs purported to climb eight to 10 percent in the next year, it is important to find affordable Mississippi health insurance.
InsureMe is here to help. By entering your information to the right, we will provide you with up to five free quotes on Mississippi health insurance in your area.
By comparing quotes, you will be able to choose the right Mississippi health insurance for you!
What are my rights when it comes to Mississippi health insurance?
The State of Mississippi has taken great provisions to help its residents acquire and preserve Mississippi health insurance.
If you are insured under a group plan, nondiscrimination protects you by prohibiting denied or limited health coverage because of your health status.
If you are an employer seeking Mississippi health insurance for a small business, the guaranteed issue ensures that you will not be denied coverage because the age or health status of your group members.
Most Mississippi health insurance policies are guaranteed renewable. This means that your coverage cannot be cancelled if you get sick.
What does individual Mississippi health insurance cover?
Your coverage will depend on what kind of Mississippi health insurance policy you purchase. And, according to the Consumer's Guide for Getting and Keeping Health Insurance in Mississippi, state law does not require insurance companies to sell standardized policies. This means Mississippi health insurance companies can design different policies—you will need to read, compare and choose which policy is right for you.
While the State of Mississippi doesn't require standardized policies from insurance companies, it does require them to cover certain benefits such as post-delivery hospital stays and breast reconstruction after a mastectomy.
For more on mandated benefits in Mississippi, contact the Department of Insurance at (800) 562-3569.
What if I can't afford Mississippi health insurance?
If you are financially unable to purchase Mississippi health insurance, there are still options available to you:
If you earn low or modest wages, you may be eligible for Mississippi Medicaid. Mississippi Medicaid provides free or discounted health coverage for pregnant women, families, the elderly and disabled.
Children who are uninsured or underinsured may qualify for the Mississippi Children's Health Insurance Program (CHIP). CHIP offers free or low cost health coverage for qualified kids under the age of 19.
Uninsured or underinsured women may be eligible for free screening and treatment of breast and/or cervical cancer through the Mississippi Breast and Cervical Cancer Early Detection Program.
Can my Mississippi health insurance be cancelled?
Remember that guaranteed renewability prohibits the cancellation of your Mississippi health insurance because you get sick. You are guaranteed this protection as long as you continue to pay your premiums and do not engage in any fraudulent behavior.
It is important to understand that guaranteed renewability does not protect you from increased premiums when you renew your Mississippi health insurance.
Where can I go for more information on Mississippi health insurance?
The Mississippi Department of Insurance is a great resource for information on Mississippi health insurance. You may contact them at (800) 562-3569 or visit them on the Web.
For additional information on the abovementioned financial assistance programs, you may contact the following:
|Mississippi Medicaid (for families & children)
|Mississippi Medicaid (for the elderly & disabled)
|Mississippi Breast and Cervical Cancer Awareness Program
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