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Mississippi Health Insurance

 

All health insurance policies in Mississippi are considered guaranteed renewable as long as your premiums are paid up to date.  So this means your health insurance can not be canceled because you become sick.

 

Mississippi mandates that health insurance companies cover newborns and adopted children for the first 31 days, on their parent’s policy.  But inversely pregnancy is, and can be considered a pre-existing condition, except on group health policies.  Pregnancy is a pre-existing condition but not on group health insurance.

 

Mississippi Comprehensive Health Insurance Risk Pool Association (MCHIRPA) is Mississippi's high risk pool.  This group is made up for people who have been refused coverage by private insurance companies due to their poor health.

 

What you will end up paying for a MCHIRPA policy will be 175% of what a normal, healthy individual would be paying.   If you would like more information about MCHIRPA call (601) 362-0799

 

                              Request a Mississippi Health Insurance Quote

 

 

Mississippi Small Business Health Insurance

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In Mississippi, a group health plan, can not base your health insurance premiums on your health.  This is called non discrimination.  Small Business Health Insurance in Mississippi is also guaranteed issue, meaning that you can not be turn down for coverage.  Large employers with over 50 employees can be turned down relative to health.

 

What can be considered a pre-existing condition in Mississippi is only something that occurred within the last 6 months.

 

 

Pre-existing exclusions are limited on the amount of time they can exclude coverage.  Also if you have current coverage, without lapses, that will be credited against your pre-existing period.  Pregnancy is not considered a pre-existing condition on a group health plan.

 

The maximum pre-existing waiting period is 12 months for an employee.  Any pre-existing periods must be applied only after written notice.

 

Mississippi does limit the amount of variation between premiums of different group health plans.  Each Small Business Plan will have certain enrollment periods in which employees can sign on to get coverage.

 

For additional information about Small Business Health Insurance in Mississippi click here.

 

                             Request a Mississippi Small Business Health Insurance Quote

 

 

Mississippi Individual Health Insurance

 

There are certain coverage's that all Mississippi Health Insurance Policies must cover.  They are newborns for 31 days, disabled children, breast reconstruction following a mastectomy and post-delivery hospital stays.

 

In Mississippi, insurance companies are able to decide if they want to insure you or not.  They can either rate you up or just refuse coverage.  Also Mississippi does not mandate what you buy, so insurance companies are able to design specific policies for specific consumers, rather than make insurance companies offer similar policies.

 

Mississippi allows health insurance companies to include pre-existing conditions and these are the two ways they can do it:

-         With an Elimination Rider which basically changes the policy to deny coverage of anything to do with the pre-existing condition.

-         With a Pre-Existing period, this can not be more than 12 months.

 

Relative to Pre-Existing Conditions, Insurance companies in Mississippi must give credit to prior credible coverage as long as there was not more than a 63 day lapse in coverage.

 

The rates that an individual pays for a Mississippi Health Insurance Plan are based on age, location, health history, family size, sex etc.  Sadly there is no limit on how much an insurance company can charge and individual for coverage.

 

Mississippi has a great plan called the Children's Health Insurance Plan.  This program is designed to help insure Mississippi's uninsured children

 

For additional information about Individual Health Insurance in Mississippi click here.

 

                              Request a Mississippi Individual Health Insurance Quote

 

 

Mississippi Self Employed Health Insurance

 

In Mississippi self employed people are not able to buy health insurance like any other small business.  A self employed person in Mississippi must buy an individual policy where their rights are protected under the laws protecting individuals.

 

Another option for affordable Mississippi Self Employed Health Insurance is often associations or self employed groups.  Just keep in mind that not all of these groups or associations are regulated by the state.

 

One benefit for Self Employed people is that they are able to deduct 100% of their health insurance premiums from their taxes!

 

For additional information about Self Employed Health Insurance in Mississippi click here.

 

                              Request a Mississippi Self Employed Health Insurance Quote

 

 

Temporary Mississippi Health Insurance

 

Many situations may arise where you find yourself without health insurance, or about to be without health insurance.  These reasons could range from graduating college to being in-between jobs.  Instead of going without health insurance you should look into getting a Mississippi Temporary Health Insurance Policy.  These policies will be cheap, with high deductibles and low coverage, but getting a Mississippi Temporary Health Insurance Policy is much better than going with out health insurance. 

 

An often confusing issue relative to Mississippi Temporary Health Insurance is the fact that it is not guaranteed renewable.  This is completely different than an individual policy that is.

 

For additional information about Temporary Health Insurance in Mississippi click here.

 

                               Request a Mississippi Temporary Health Insurance Quote

 

 

What types of Mississippi Health Insurance are there?

 

 HMO- Health Maintenance Organization.  This type of insurance is called managed care.  This means you have certain network of doctors and hospitals in Mississippi that you have to go to for care.  Most Mississippi HMO’s have office visit co-payments that range from $10 to $35, and hospital deductibles that range from $250 to $1,500.  Often the most affordable health insurance plans are HMO’s due to the fact they are managed care.

 

PPO-Preferred Provider Organization.  This type of insurance is also called managed care but it gives the consumer much more freedom; they allow you to visit any doctor or hospital in or out of network.  Most Mississippi PPO’s have an in network and an out of network charge.  If the in network co-insurance is 100% then the out of network co-insurance would be 80%.  If the in network co-insurance is 90% then the out of network co-insurance would be 70%   Typically Mississippi PPO’s offer co-payments for doctor visits as well as hospitalization. 

 

Indemnity Plan - In Mississippi, as health insurance rates continue to rise, many people are finding it more affordable to drop their health insurance and buy a Mississippi Major Medical Health Insurance Plan.  An Indemnity plan can also be called a major medical plan or catastrophic health insurance.  Whatever you call it, typically a Mississippi Indemnity Plan would cover more “major” claims.  An Indemnity plan has an annual deductible and will usually allow you to pick different co-insurance options.  Indemnity plans allow you access to any doctor or hospital, and for this reason they are typically very expensive.

 

Discount Medical Plans – In recent years many Discount Medical Plans have started to surface.  These plans have relatively inexpensive, but consumers must realize that this is not insurance.  All these companies do is to get their customers discounted rates (20-50% off) on certain procedures at certain physicians and hospitals. 

 

Federal Mandated Health Insurance Laws

 

HIPAA

Along with Mississippi Health Insurance Laws, there are Federal Laws that regulate Health Insurance companies.   HIPAA (Health Insurance Portability and Accountability Act of 1996). This act mandated federal standards for individual and group health insurance plans.  Some of the standards that it established were relative to guaranteed renew ability, crediting for prior health coverage and pre-existing condition waiting periods.

 

ERISA

Large corporations do not have health insurance policies.  Typically they are self funded, meaning the corporation pays for all of their employee’s medical bills instead of buying health insurance.  Most of these “self funded” companies are regulated by the federal government under ERISA (Employee Retirement Income Security Act)

 

COBRA

In Mississippi it is mandated, by the state, that all companies that offer a Mississippi Group Health Insurance Policy must also enable their employees to extend their health coverage temporarily; called Cobra.  A Mississippi Cobra Insurance is typically available for a time period under 18 months.   In Mississippi you are given 60 days to decide if you are going to take Mississippi Cobra Insurance or not.  Once you have passed on the opportunity to take Cobra, you are not eligible to receive it.

 

Cobra Insurance was introduced in 1985.  Cobra stands for Consolidated Omnibus Budget Reconciliation Act.  If you would like more information about your Cobra Insurance options please contact your companies HR department.

 

Often employees are surprised at the cost of a Mississippi Cobra Insurance.  The reason for this is that they are now responsible for 103% (100% of the premium plus a 3% administration fee) of a monthly health insurance premium when they probably only paid 20% while employed. 

 

Whether nor not to take Cobra is an important question, and you should realize there are alternatives to a Mississippi Cobra Insurance Policy.  One should realize what they plan to do in the future.  If you are looking for another job, and it will be a few months before you get a job, it might make sense to look for a Mississippi Temporary Health Insurance Plan.  If you are contemplating working at a consultant, it would be in your best interest to look into a Mississippi Self Employed Health Insurance Policy. 

 

 

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