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:
• Blue Cross Blue Shield of Alabama
• Blue Cross Blue Shield of Mississippi
• 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
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:.
• United Healthcare
NMHS does not participate in Humana Medicare Advantage plans.
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.