Employer & Commercial Plans

Any type of coverage that isn’t provided or maintained by a government-run program can be considered a type of commercial insurance.

Policies can be sold individually or as part of a group. Some government-run programs are administered by commercial insurance companies.

Employer-based & Individual Market Plans

For many people, health insurance is obtained through an employer. Since employers typically cover at least a portion of the cost, this is often a cost-effective way for employees to obtain health coverage.

Some companies are self-insured and use commercial insurers as third-party administrators, using their networks and resources to operate their health plans. 

Self-employed individuals and small business owners often purchase their own plans directly from insurers. 

Currently, North Mississippi Health Services participates in these commercial health plans that provide employer-based insurance as well as individually purchased policies:

AETNA
Blue Cross Blue Shield of Alabama
Blue Cross Blue Shield of Mississippi
CIGNA
UMR
United Healthcare

Some employer-based insurance and individually purchased plans use preferred provider organizations (PPO) to form networks for their members. NMHS currently participates in:

Health Link

Medicare Advantage

Sometimes called Part C plans, Medicare Advantage plans are an alternative to original Medicare. Individuals with Medicare can opt into Medicare Advantage plans.

Some companies offer Medicare Advantage Plans as a retiree health benefit. These group Medicare Advantage plans are also called Medicare Employer Group Waiver Plans (EGWP). 

Special annual enrollment periods apply. North Mississippi Health Services participates in two Medicare Advantage plans:.

AETNA
United Healthcare

NMHS does not participate in Humana Medicare Advantage plans.

Federal Marketplace

Through HealthCare.gov, private insurers offer health insurance plans that meet Affordable Care Act requirements. Consumers who do not have access to employer-based insurance and meet income guidelines can use subsidies and tax credits to cover premiums.

Special annual enrollment periods apply. North Mississippi Health Services is a provider for all three plans offered in Mississippi.

Ambetter from Magnolia Health Available to residents in all 82 Mississippi counties.
CIGNA www.cigna.com Available to residents of Alcorn, Benton, Calhoun, Chickasaw, Clay, Itawamba, Lee, Lowndes, Monroe, Pontotoc, Prentiss, Tippah, Tishomingo, Union and Webster counties.
Molina Health Available to residents in all 82 Mississippi counties.

Please Note

NMHS' participation with any product or insurance plan is subject to change without notice. Additionally, insurance companies offer a variety of plans and may change the names and benefits at any point. A patient’s level of coverage depends on the specific benefits outlined in your level of coverage and your plan. To ensure that NMHS and its physicians are in-network, it is the patient's responsibility to verify that NMHS is a participating provider and their benefit plan allows them access as of the day of a visit and/or admission. Please contact your insurance plan to obtain this information.