Where to Obtain Low cost Mississippi Health Care Insurance

Mississippi health insurance premiums have more than doubled in the last ten years, and are still on the rise. But it’s still possible to find low cost Mississippi health insurance with a reliable company. Here is how …

<h3>Low Income Health Care Insurance</h3>

Mississippi provides two state programs for low income families and individuals. They are:
<ul>
<li>• CHIP (Children’s Health Care Insurance Program), which provides health insurance for Mississippi kids up to age 19 whose family income is less than two times the federal poverty level, and who do not qualify for Medicaid.</li>

<li>• Medicaid, which provides health insurance for low-income and disabled Mississippi residents.</li>
</ul>
To find out if you qualify for either of these programs, visit the Mississippi Medicaid Web site: dom.state.ms.us.

<h3>Middle and High Income Family Health Care Insurance</h3>

If you do not qualify for low-income Mississippi health insurance, you’ve a variety of private health insurance polcies available to you:
<ul>
<li>• HMOs (Health Maintenance Organization (HMO)s) are the cheapest health insurance polcies because you are assigned to a network of doctors and hospitals that you must use for your medical care. HMOs charge you a set monthly fee, and you must pay a co-payment (usually $5 to $10) when you see a physician.</li>

<li>• PPOs (Preferred Provider Organization (PPO)ss) are similar to HMOs, but price slightly more because they allow you to see non-network doctors for an additional fee. PPOs charge you for services as they are rendered, and you pay a $5 to $10 co-payment when you see a physician.</li>

<li>• POSs (Point of Service Plans) are a combination of an Health Maintenance Organization (HMO) and a PPO, and price slighly more than either plan. Like an Health Maintenance Organization (HMO), you pay only a nominal fee for health care provided within the network, but like a PPO you’ve the advantage of seeing non-network doctors for an additional fee.</li>
</ul>
*Indemnity Plans are the most expensive health insurance polcies, but give you the most flexibility because you can use doctors and hospitals of your choice. Your doctors sends your bill to the insurance company who pays most of it. You usually have a deductible (the amount you must pay before you insurance company pays your bill), and you are responsible for a portion of the bill (usually 20 percent).