About Health Insurance in Mississippi
For residents of Mississippi, there are only a few dependable insurance companies to choose from, including Aetna, Humana and UnitedHealth Care. East Coast Health Insurance provides you with an accurate, simple quote from each of these companies to help you decide which one is right for you.
- Total Population: 2,877,500
- Total Uninsured Population: 555,300 (16%)
- Typical Cost of Inpatient Hospital Visit Per Day: $1,154
- Average State Premium for Individual Health Insurance: $212
Information provided by Kaiser Family Foundation, 2010.
Choosing a Plan in Mississippi
East Coast Health Insurance simplifies the process of getting a quote for everyone. Start by entering your zip code above, or for extra assistance you can speak with one of our knowledgeable Mississippi staff over the phone at 888-803-5917.
Mississippi Health Insurance Market & Laws
In the state of Mississippi, health insurance policies are affected the same as many other states. The guaranteed renewability provision is a mandatory part of every insurance plan. This means that as long as you have not violated your policy terms, missed any premium payments, or had any lapses in coverage, your insurer must renew the same plan you had previously.
Pre-existing conditions are defined as any condition for which you received medical care or were diagnosed within 12 months prior to beginning your health insurance, in Mississippi. Insurance companies can implement an exclusion period (when they do not pay for any medical costs related to the condition) for up to 12 months for pre-existing conditions. They are also legally allowed to attach an elimination rider, which makes the exclusion period permanent.
Health insurance laws in Mississippi also require that newborn and adopted children are placed on their parents’ individual insurance plan for the first 31 days after birth or adoption. If your insurance plan has the capability of coverage for dependents, then this regulation is applicable.
Also, handicapped dependents must continue to have coverage under their parents’ plan after the age limit for dependents has been reached.
Insurance companies have the liberty of deciding whether or not to sell you health insurance due to to poor health or age. They can also provide you with coverage, but at a higher rate than usual because of declining health or old age.
In Mississippi, health insurance laws require all policies to cover the following services:
- Care for diabetes
- Immunizations for children
- Breast cancer exams
For further information about health insurance regulations in Mississippi, visit the Mississippi Insurance Department site.
1. Kaiser Family Foundation, “Mississippi – State Health Facts”. www.statehealthfacts.org
2. Health Insurance In-Depth, “Mississippi Health Insurance”. http://www.healthinsuranceindepth.com/health-insurance-Mississippi.html