Mississippi Medicare basics (2026, in plain English)
Medicare has parts A (hospital) and B (medical). You can either bundle your coverage in a Medicare Advantage plan (often $0 premium, networks apply), or pair Original Medicare + a Medigap supplement for broader access (with a separate Part D drug plan). Your best fit depends on doctors, prescriptions, travel, risk tolerance, and budget.
Quick rules of the road:
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If you're turning 65 and not on active large-employer coverage, you generally enroll in Medicare Parts A & B and choose Advantage or Medigap + Part D
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If you are working past 65 with 20+ employees on your plan, you can usually delay Part B without penalty; under 20, you typically can't. Let's confirm your situation on a call.
We'll map your exact dates and options.
2026
Mississippi enrollment window
Pro move: If employer coverage is ending, we align Part B + Medigap/Advantage + Part D dates so there's zero gap.
Don't miss these
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Initial Enrollment Period (IEP): 7 months around your 65th birthday (3 months before to 3 months after)
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General Enrollment Period (GEP): Jan 1 to Mar 31 (if you missed Part B; coverage starts later and penalties may apply)
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Annual Enrollment Period (AEP): Oct 15 to Dec 7 (switch Advantage/Part D for the next year)
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Open Enrollment Period (OEP, Advantage only): Jan 1 to Mar 31 (one Advantage switch)
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Special Enrollment Periods (SEP): Certain life events like moving, losing group coverage, Extra Help eligibility, etc.
Bottom line: If you value predictability and widest access, Medigap + Part D often wins. If you're premium-sensitive and okay with networks, Advantage can be smart. We'll price both for your doctors and drugs.
Costs: what actually drives your price
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Doctors & hospitals: Are your providers in network (Advantage) or do you want freedom (Medigap)
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Prescriptions: Formulary tiers, preferred pharmacies, and whether you'll hit the new Part D cap dynamics.
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Travel: Snowbirds and RV-ers often prefer Medigap flexibility.
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Health usage: Frequent specialists or big procedures favor predictability.
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Budget & risk: Lower monthly vs lower "worst-case", we'll model both.
Get a side-by-side model (your doctors + drugs).
Real Mississippi scenarios
Next step (there's only one)
Book a Medicare Fit Call (15 min)
We'll confirm your dates, compare Advantage vs Medigap, check doctors and drugs, and enroll you the right way, fast.
For educational purposes only. AEC Insure does not offer every plan available in your area. Any information provided is limited to the plans we do offer. Please contact Medicare.gov or 1-800-MEDICARE to get information on all options.