County guide · Clay County, MS · 2027 plan year
Original Medicare vs Medicare Advantage in Clay County, MS
This guide lists 16 Medicare Advantage plans for 2027 in Clay County, with the yearly cost of each one next to Original Medicare with Medigap. Special needs plans are not on this list.
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- Plans
- 16
- $0 premium
- 12 plans
- Lowest in-network limit
- $3,800
- Highest in-network limit
- $9,850
In most states, including Mississippi, you cannot count on getting Medigap later
You can buy any Medigap plan with no health questions in the 6 months that start when you are 65 or older and have Part B. After that, a Medigap company in Mississippi can ask about your health. It can say no, or it can charge you more. So if you join a Medicare Advantage plan now, you may not be able to get Medigap later.
One exception is the trial right. If you joined Medicare Advantage when you first got Medicare at 65, or you left a Medigap plan to try Medicare Advantage for the first time, you can switch back within 12 months. Then you can buy a Medigap plan with no health questions.
Read about Medigap rights on Medicare.govYearly cost of each plan
Totals include premiums, the Part B premium, copays, and drug costs for three levels of care. A light year is checkups and a few visits. A regular year has ongoing specialist care. A heavy year has frequent care and a 5-day hospital stay.
| Plan | Monthly premiums | Yearly limit on medical costs | Stars | Prior authorization | Light year | Regular year | Heavy year |
|---|---|---|---|---|---|---|---|
| Original Medicare with Medigap Plan Gand the lowest-cost drug plan | Part B $209.50 + Plan G + a drug plan from $5.30 | $292 Part B deductible, then Plan G pays | Not rated | Short list of services | We have no checked Medigap price for this county yet. Check Medigap prices on Medicare.gov | ||
| Healthy Mississippi Premier Advantage (HMO-POS)HMO-POS from Healthy Mississippi, Inc. · Plan ID H8879-001 · Medicare.govIts page is set for Harrison County, MS | $0 plan + Part B $209.50 | $4,200 in network | Not enough data available | 17 services | $2,514 | $3,169 | $5,049 |
| Healthy Mississippi Preferred (PPO)PPO from Healthy Mississippi, Inc. · Plan ID H1823-001 · Medicare.govIts page is set for Harrison County, MS | $0 plan + Part B $209.50 | $4,200 in network; $6,700 in and out of network | Plan too new to be measured | 17 services | $2,559 | $3,209 | $5,039 |
| Aetna Medicare Signature (HMO)HMO from Aetna Medicare · Plan ID H3239-014 · Medicare.govIts page is set for Lee County, MS | $0 plan + Part B $209.50 | $7,150 in network | 3.5 of 5 | 19 services | $2,564 | $5,010 | $10,889 |
| Aetna Medicare Value Plus (PPO)PPO from Aetna Medicare · Plan ID H5521-470 · Medicare.govIts page is set for Hinds County, MS | $23.80 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 4 of 5 | 19 services | $2,840 | $5,191 | $11,020 |
| Aetna Medicare Signature Plus (PPO)PPO from Aetna Medicare · Plan ID H5521-553 · Medicare.govIts page is set for Lowndes County, MS | $0 plan + Part B $209.50 | $9,850 in network; $14,800 in and out of network | 4 of 5 | 19 services | $2,554 | $5,399 | $10,894 |
| AARP Medicare Advantage Direct Plus from UHC MS-9 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H5253-223 · Medicare.govIts page is set for Harrison County, MS | $0 plan + Part B $209.50 | $5,900 in network | 4 of 5 | 24 services | $2,514 | $5,444 | $10,634 |
| AARP Medicare Advantage Direct OTC from UHC MS-8 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H5253-222 · Medicare.govIts page is set for Harrison County, MS | $0 plan + Part B $209.50 | $5,900 in network | 4 of 5 | 24 services | $2,514 | $5,564 | $10,814 |
| AARP Medicare Advantage Essentials from UHC MS-1 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H5253-141 · Medicare.govIts page is set for Harrison County, MS | $0 plan + Part B $209.50 | $5,900 in network | 4 of 5 | 24 services | $2,514 | $5,615 | $10,814 |
| AARP Medicare Advantage Extras from UHC MS-7 (HMO-POS)HMO-POS from UnitedHealthcare · Plan ID H5253-221 · Medicare.govIts page is set for Harrison County, MS | $0 plan + Part B $209.50 | $7,150 in network | 4 of 5 | 24 services | $2,514 | $6,001 | $12,064 |
| AARP Medicare Advantage Giveback from UHC MS-4 (PPO)PPO from UnitedHealthcare · Plan ID H8768-040 · Medicare.govIts page is set for Harrison County, MS | $0 plan + Part B $209.50 (the plan pays back $47 of Part B) | $7,150 in network; $10,750 in and out of network | 4 of 5 | 24 services | $2,665 | $6,544 | $11,500 |
| AARP Medicare Advantage from UHC MS-0003 (PPO)PPO from UnitedHealthcare · Plan ID H8768-034 · Medicare.govIts page is set for Harrison County, MS | $10 plan + Part B $209.50 | $7,150 in network; $10,750 in and out of network | 4 of 5 | 24 services | $3,349 | $7,018 | $12,184 |
| AARP Medicare Advantage from UHC MS-0002 (PPO)PPO from UnitedHealthcare · Plan ID H8768-030 · Medicare.govIts page is set for Harrison County, MS | $57 plan + Part B $209.50 | $6,500 in network; $10,750 in and out of network | 4 of 5 | 24 services | $3,913 | $7,243 | $12,098 |
| Humana Full Access (Regional PPO)Regional PPO from Humana · Plan ID R0110-003 · Medicare.govIts page is set for Jefferson Parish, LA | $212 plan + Part B $209.50 | $3,800 in network; $5,500 in and out of network | 3.5 of 5 | 24 services | $5,773 | $8,223 | $11,258 |
| AARP Medicare Advantage Patriot No Rx MS-MA01 (PPO)PPO from UnitedHealthcare · Plan ID H8768-031 · No drug coverage · Medicare.govIts page is set for Harrison County, MS | $0 plan + Part B $209.50 (the plan pays back $180 of Part B) | $7,150 in network; $10,750 in and out of network | 4 of 5 | 24 services | $1,357 | $9,511 | $28,338 |
| Aetna Medicare Eagle Plus (PPO)PPO from Aetna Medicare · Plan ID H5521-324 · No drug coverage · Medicare.govIts page is set for Harrison County, MS | $0 plan + Part B $209.50 | $9,250 in network; $13,900 in and out of network | 4 of 5 | 19 services | $2,822 | $10,616 | $29,565 |
| HumanaChoice R0110-001 (Regional PPO)Regional PPO from Humana · Plan ID R0110-001 · No drug coverage · Medicare.govIts page is set for Jefferson Parish, LA | $0 plan + Part B $209.50 | $9,000 in network; $11,100 in and out of network | 3.5 of 5 | 24 services | $3,517 | $11,134 | $27,577 |
A plan with no drug coverage counts drugs at full price, unless its members can add a separate drug plan. A plan name with a link opens a page where you can change the care level, the Medigap plan, your age, and your drugs.
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Sources and method
Plan data comes from the CMS 2027 Plan Benefit Package and landscape files. The data is from 2026-10-10. Original Medicare amounts are the 2027 projections in the 2026 Medicare Trustees Report (Tables V.E1 and V.E2). CMS sets the final amounts in November. We do not have a Medigap price for Clay County, MS. So the Original Medicare total needs your own Medigap quote. You can look up prices for ZIP 39773 on Medicare.gov. Totals use typical Medicare-allowed amounts for each service and typical drug prices.
- Medigap prices for ZIP 39773 on Medicare.gov
- CMS Plan Benefit Package files, 2027
- CMS 2027 landscape files (premiums and limits)
- CMS 2027 plan crosswalk
- CMS 2027 Star Ratings
- 2026 Medicare Trustees Report: projected 2027 Part A and Part B amounts (Tables V.E1 and V.E2)
- CMS 2026 Part A and Part B amounts
- Medicare.gov: Medigap guaranteed issue rights
These are estimates, not quotes, and they are for education only. Check every number with Medicare and with the plan before you choose. What you pay depends on your doctors and hospitals, your drugs and pharmacy, and the care you use. Plans can change their benefits, premiums, drug lists, and networks each year.
Pinnie is not an insurance agent or broker and does not sell Medicare plans. Pinnie is not connected with or endorsed by the U.S. government or the federal Medicare program. For all your options, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227), TTY 1-877-486-2048.