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Company vs company · Lowndes County, MS · 2027 plan year

Humana vs Healthy Mississippi, Inc. Medicare Advantage plans

Medicare.gov compares Medicare Advantage plans with each other. This page also shows Original Medicare, so you can see the full trade-off: premiums, copays, the yearly limit, extra benefits, and the rules about doctors and approvals.

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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.gov

Your yearly cost, side by side

Move the controls to match your year. Totals include premiums, the Part B premium, copays, and drug costs.

How much care do you expect?

Ongoing specialist care

Medigap plan with Original Medicare

Plan G pays almost everything after the $292 yearly Part B deductible.

Want to check your exact drugs? Medicare.gov lets you enter each drug and shows what each plan charges for it. Enter your drugs on Medicare.gov

$

We have no Medigap Plan G price for a 65-year-old woman in Lowndes County. Enter the monthly price from your quote, or check Medigap prices for ZIP 39701 on Medicare.gov.

Original Medicare

We have no Medigap Plan G price for a 65-year-old woman here, so we cannot show this total yet. Enter your quote above to see it. Check Medigap prices on Medicare.gov

Humana Full Access (Regional PPO)

Regional PPO from Humana

$8,223 a year

Premiums
$5,058
Medical costs
$1,877
Drugs
$1,288

Most you can pay in a bad year, before drugs: $8,858.

Healthy Mississippi Premier Advantage (HMO-POS)

HMO-POS from Healthy Mississippi, Inc.

$3,169 a year

Premiums
$2,514
Medical costs
$655
Drugs
$0

Most you can pay in a bad year, before drugs: $6,714.

With these settings, Healthy Mississippi Premier Advantage (HMO-POS) costs about $5,054 less a year than Humana Full Access (Regional PPO).

These are estimates, not quotes. Check every number with Medicare (Medicare.gov or 1-800-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. Drug costs use typical prices for generic and brand-name drugs. Original Medicare amounts are 2027 projections from the 2026 Medicare Trustees Report. CMS sets the final amounts in November.

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What you pay each time you get care

In-network costs for one visit or one stay. The Original Medicare amounts follow your Medigap choice above: Plan G.

Primary doctor visit

  • Original Medicare + Medigap Plan G

    $0

    after the $292 yearly Part B deductible

  • Humana Full Access (Regional PPO)

    $0

  • HumanaChoice R0110-001 (Regional PPO)

    $0

  • Healthy Mississippi Premier Advantage (HMO-POS)

    $0

  • Healthy Mississippi Preferred (PPO)

    $0

Specialist visit

  • Original Medicare + Medigap Plan G

    $0

    after the $292 yearly Part B deductible

  • Humana Full Access (Regional PPO)

    $35

    Prior authorization

  • HumanaChoice R0110-001 (Regional PPO)

    $0

    Prior authorization

  • Healthy Mississippi Premier Advantage (HMO-POS)

    $0-$30

  • Healthy Mississippi Preferred (PPO)

    $0-$30

Lab tests

  • Original Medicare + Medigap Plan G

    $0

    most Medicare-covered tests

  • Humana Full Access (Regional PPO)

    $0

    Prior authorization

  • HumanaChoice R0110-001 (Regional PPO)

    $0

    Prior authorization

  • Healthy Mississippi Premier Advantage (HMO-POS)

    $0

    Prior authorization

  • Healthy Mississippi Preferred (PPO)

    $0

    Prior authorization

MRI or CT scan

  • Original Medicare + Medigap Plan G

    $0

    after the $292 yearly Part B deductible

  • Humana Full Access (Regional PPO)

    $0-$345

    Prior authorization

  • HumanaChoice R0110-001 (Regional PPO)

    $0-$345

    Prior authorization

  • Healthy Mississippi Premier Advantage (HMO-POS)

    $0-$180

    Prior authorization

  • Healthy Mississippi Preferred (PPO)

    $0-$200

    Prior authorization

Emergency room

  • Original Medicare + Medigap Plan G

    $0

    after the $292 yearly Part B deductible

  • Humana Full Access (Regional PPO)

    $150

  • HumanaChoice R0110-001 (Regional PPO)

    $115

  • Healthy Mississippi Premier Advantage (HMO-POS)

    $115

  • Healthy Mississippi Preferred (PPO)

    $115

Urgent care

  • Original Medicare + Medigap Plan G

    $0

    after the $292 yearly Part B deductible

  • Humana Full Access (Regional PPO)

    $65

  • HumanaChoice R0110-001 (Regional PPO)

    $40

  • Healthy Mississippi Premier Advantage (HMO-POS)

    $0-$40

  • Healthy Mississippi Preferred (PPO)

    $45

Outpatient surgery

  • Original Medicare + Medigap Plan G

    $0

    after the $292 yearly Part B deductible

  • Humana Full Access (Regional PPO)

    $0

    Prior authorization

  • HumanaChoice R0110-001 (Regional PPO)

    $0

    Prior authorization

  • Healthy Mississippi Premier Advantage (HMO-POS)

    $0-$250

    Prior authorization

  • Healthy Mississippi Preferred (PPO)

    $0-$225

    Prior authorization

Ground ambulance

  • Original Medicare + Medigap Plan G

    $0

    after the $292 yearly Part B deductible

  • Humana Full Access (Regional PPO)

    $325

    Prior authorization

  • HumanaChoice R0110-001 (Regional PPO)

    $325

    Prior authorization

  • Healthy Mississippi Premier Advantage (HMO-POS)

    $295

    Prior authorization

  • Healthy Mississippi Preferred (PPO)

    $275

    Prior authorization

Hospital stay, 5 days

  • Original Medicare + Medigap Plan G

    $0

    Plan G pays the $1,788 Part A deductible

  • Humana Full Access (Regional PPO)

    $0

    for a 5-day stay

    Prior authorization

  • HumanaChoice R0110-001 (Regional PPO)

    $0

    for a 5-day stay

    Prior authorization

  • Healthy Mississippi Premier Advantage (HMO-POS)

    $0

    for a 5-day stay

    Prior authorization

  • Healthy Mississippi Preferred (PPO)

    $0

    for a 5-day stay

    Prior authorization
See every cost in one table
What you pay in networkOriginal Medicare + Medigap Plan GHumana Full Access (Regional PPO)HumanaChoice R0110-001 (Regional PPO)Healthy Mississippi Premier Advantage (HMO-POS)Healthy Mississippi Preferred (PPO)
Monthly premiumPart B $209.50 + Medigap Plan G at the price of your quote + drug plan $5.30$212 + Part B $209.50$0 + Part B $209.50$0 + Part B $209.50$0 + Part B $209.50
Yearly limit on what you payYou pay the $292 Part B deductible. Plan G pays the rest.$3,800 in network; $5,500 in and out of network$9,000 in network; $11,100 in and out of network$4,200 in network$4,200 in network; $6,700 in and out of network
Medical deductible$292 Part B. Plan G pays the $1,788 Part A deductible.$850$800$0$0
Primary doctor visit$0, after the $292 yearly Part B deductible$0 copay$0 copay$0 copay$0 copay
Specialist visit$0, after the $292 yearly Part B deductible$35 copayPrior authorization$0 copayPrior authorization$0-$30 copay$0-$30 copay
Lab tests$0, most Medicare-covered tests$0 copayPrior authorization$0 copayPrior authorization$0 copayPrior authorization$0 copayPrior authorization
MRI or CT scan$0, after the $292 yearly Part B deductible$0-$345 copayPrior authorization$0-$345 copayPrior authorization$0-$180 copayPrior authorization$0-$200 copayPrior authorization
X-rays$0, after the $292 yearly Part B deductible$0-$145 copayPrior authorization$0-$145 copayPrior authorization$0-$25 copayPrior authorization$0-$20 copayPrior authorization
Emergency room$0, after the $292 yearly Part B deductible$150 copay$115 copay$115 copay$115 copay
Urgent care$0, after the $292 yearly Part B deductible$65 copay$40 copay$0-$40 copay$45 copay
Outpatient hospital$0, after the $292 yearly Part B deductible$0-$35 copayPrior authorization$0-$35 copayPrior authorization$0-$250 copayPrior authorization$0-$225 copayPrior authorization
Surgery center$0, after the $292 yearly Part B deductible$0 copayPrior authorization$0 copayPrior authorization$0-$250 copayPrior authorization$0-$225 copayPrior authorization
Ground ambulance$0, after the $292 yearly Part B deductible$325 copayPrior authorization$325 copayPrior authorization$295 copayPrior authorization$275 copayPrior authorization
Hospital stay$0, Plan G pays the $1,788 Part A deductible$0 per stayPrior authorization$0 per stayPrior authorization$0 per stayPrior authorization$0 per stayPrior authorization
Skilled nursing facility$0, Plan G pays days 21-100$0 per day for days 1-20; $221 per day for days 21-100Prior authorization$0 per day for days 1-20; $221 per day for days 21-100Prior authorization$0 per day for days 1-100Prior authorization$0 per day for days 1-100Prior authorization
Mental health visit$0, after the $292 yearly Part B deductible$35 copayPrior authorization$20 copayPrior authorization$0-$25 copay$0-$25 copay
Physical therapy$0, after the $292 yearly Part B deductible$30 copayPrior authorization$30 copayPrior authorization$0-$20 copayPrior authorization$0-$25 copayPrior authorization
Home health care$0, Medicare-covered home health$0 copayPrior authorization$0 copayPrior authorization$0 copayPrior authorization$0 copayPrior authorization
Medical equipment$0, after the $292 yearly Part B deductible19% coinsurancePrior authorization16% coinsurancePrior authorization20% coinsurancePrior authorization20% coinsurancePrior authorization
Part B drugs$0 after the $292 Part B deductible0%-20% coinsurancePrior authorization0%-20% coinsurancePrior authorization0%-20% coinsurancePrior authorization0%-20% coinsurancePrior authorization
Drug deductible (Part D)$700 with Wellcare Value Script (PDP)$200No drug coverage$0$0
Drug tiers (one month, retail)Generic: $0 copayPreferred Brand: 25% coinsuranceNon-Preferred Drug: 48% coinsuranceInjectable Drugs: 15% coinsuranceSpecialty Tier: 25% coinsuranceSelect Care Drugs: $11 copayPreferred Generic: $0 copayGeneric: $5 copayPreferred Brand: 17% coinsuranceNon-Preferred Drug: 50% coinsuranceSpecialty Tier: 31% coinsuranceNo drug coveragePreferred Generic: $0 copayGeneric: $0 copayPreferred Brand: $0 copayNon-Preferred Drug: $0 copaySpecialty Tier: 28% coinsurancePreferred Generic: $0 copayGeneric: $0 copayPreferred Brand: $0 copayNon-Preferred Drug: $0 copaySpecialty Tier: 28% coinsurance

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A higher drug plan premium is not, by itself, a reason to switch

With Original Medicare, you buy a separate drug plan. In Mississippi, 9 drug plans are for sale for 2027, from $5.30 to $218.70 a month. Half of them cost $109.20 a month or less.

  • Every 2027 drug plan limits what you pay for covered drugs to $2,400 a year. The drug coverage in Medicare Advantage plans has the same limit.
  • The premium is one part of your yearly cost. The calculator above adds premiums, medical costs, and drug costs, so you can see the whole year.
  • A Medicare Advantage plan can cost less in a light year. But you also take on its network and prior authorization rules, and you may not be able to get Medigap later.
  • If your income is limited, Extra Help can pay most of your drug plan premium and drug costs. Check Extra Help at SSA.gov

The two companies in Lowndes County

Humana

  • 2 plans for 2027 (not counting special needs plans)
  • 1 with a $0 premium; 0 pay back part of your Part B premium
  • Yearly limits from $3,800 to $9,000
  • Star ratings 3.5 to 3.5

Healthy Mississippi, Inc.

  • 2 plans for 2027 (not counting special needs plans)
  • 2 with a $0 premium; 0 pay back part of your Part B premium
  • Yearly limits from $4,200 to $4,200
  • Star ratings not rated

Doctors, referrals, and prior authorization

Cost is one side. The other side is how you get care. These rules come from the CMS plan files. Prior authorization means the plan must approve a service before you get it.

Original Medicare

  • Any doctor or hospital in the U.S. that takes Medicare
  • No referrals
  • Prior authorization only for a short list of services

Humana Full Access (Regional PPO)

Regional PPO

  • The plan has a network. You can go outside it, but you pay more.
  • No referral needed to see a specialist.

Prior authorization for 24 services

Specialist visits, Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Observation stay, Surgery center, Ambulance, Mental health visits, Psychiatrist visits, Physical therapy, Occupational therapy, Home health, Partial hospitalization, Cardiac rehab, Pulmonary rehab, Medical equipment, Prosthetics, Diabetic supplies, Dialysis, Substance use care, Hospital stay, Skilled nursing, Part B drugs

HumanaChoice R0110-001 (Regional PPO)

Regional PPO

  • The plan has a network. You can go outside it, but you pay more.
  • No referral needed to see a specialist.

Prior authorization for 24 services

Specialist visits, Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Observation stay, Surgery center, Ambulance, Mental health visits, Psychiatrist visits, Physical therapy, Occupational therapy, Home health, Partial hospitalization, Cardiac rehab, Pulmonary rehab, Medical equipment, Prosthetics, Diabetic supplies, Dialysis, Substance use care, Hospital stay, Skilled nursing, Part B drugs

Healthy Mississippi Premier Advantage (HMO-POS)

HMO-POS

  • You use the plan network. Some care outside the network is covered at a higher cost.
  • No referral needed to see a specialist.

Prior authorization for 17 services

Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Observation stay, Surgery center, Ambulance, Physical therapy, Occupational therapy, Home health, Partial hospitalization, Medical equipment, Prosthetics, Diabetic supplies, Hospital stay, Skilled nursing, Part B drugs

Healthy Mississippi Preferred (PPO)

PPO

  • The plan has a network. You can go outside it, but you pay more.
  • No referral needed to see a specialist.

Prior authorization for 17 services

Diagnostic tests, MRI or CT, Radiation therapy, Outpatient hospital, Observation stay, Surgery center, Ambulance, Physical therapy, Occupational therapy, Home health, Partial hospitalization, Medical equipment, Prosthetics, Diabetic supplies, Hospital stay, Skilled nursing, Part B drugs

Extra benefits

Extra benefitOriginal MedicareHumana Full Access (Regional PPO)HumanaChoice R0110-001 (Regional PPO)Healthy Mississippi Premier Advantage (HMO-POS)Healthy Mississippi Preferred (PPO)
DentalNoComprehensive, up to $3,000 a yearComprehensive, up to $6,000 a yearComprehensive, up to $3,000 a yearComprehensive, up to $2,800 a year
Eye examNoYesYesYesYes
Glasses or contactsNoYes, $350 allowanceYes, $450 allowanceYes, $300 allowanceYes, $250 allowance
Hearing aidsNoYes, copays from $575Yes, copays from $575Yes, up to $1,950Yes, up to $1,950
Over-the-counter allowanceNoNo$240 a year$820 a year$820 a year
Fitness benefitNoYesYesYesYes
Rides to careNoNoYesYesYes
Meals after a hospital stayNoYesYesYesYes
Emergency care abroadPlan G and Plan N pay 80% after a $250 deductibleYesYesYesYes
Part B premium givebackNoNoNoNoNo

What changed for 2027

Humana Full Access (Regional PPO)

Renewal Plan · 2026 plan R0110-003-0

  • Monthly premium up from $189 to $212
  • In-network out-of-pocket maximum up from $3,300 to $3,800
  • Medical deductible up from $100 to $850
  • Drug deductible up from $100 to $200
  • Diagnostic radiology (MRI, CT): $0-$335 copay to $0-$345 copay
  • Ground ambulance: $335 copay to $325 copay
  • Skilled nursing facility: $0 per day for days 1-20; $218 per day for days 21-100 to $0 per day for days 1-20; $221 per day for days 21-100
  • Dental maximum up from $1,500 to $3,000

HumanaChoice R0110-001 (Regional PPO)

Renewal Plan · 2026 plan R0110-001-0

  • In-network out-of-pocket maximum up from $7,350 to $9,000
  • Medical deductible down from $1,000 to $800
  • Specialist visit: $20 copay to $0 copay
  • Diagnostic radiology (MRI, CT): $0-$150 copay to $0-$345 copay
  • Outpatient hospital: $0-$225 copay to $0-$35 copay
  • Ground ambulance: $310 copay to $325 copay
  • Inpatient hospital: $195 per day for days 1-6; $0 per day for days 7-90 to $0 per stay
  • Skilled nursing facility: $0 per day for days 1-20; $218 per day for days 21-100 to $0 per day for days 1-20; $221 per day for days 21-100
  • Dental maximum up from $5,000 to $6,000
  • Yearly OTC allowance up from $180 to $240
  • Eyewear allowance up from $350 to $450

Healthy Mississippi Premier Advantage (HMO-POS)

Renewal Plan with SAE · 2026 plan H8879-001-0

  • In-network out-of-pocket maximum up from $3,850 to $4,200
  • Emergency care: $110 copay to $115 copay
  • Diagnostic radiology (MRI, CT): $0-$140 copay to $0-$180 copay
  • Outpatient hospital: $0-$225 copay to $0-$250 copay
  • Inpatient hospital: $0 per day for days 1-90 to $0 per stay
  • Yearly OTC allowance up from $460 to $820

Healthy Mississippi Preferred (PPO)

Initial Contract · New for 2027

No change found in the fields we track.

More 2027 plans in Lowndes County

County guide: 2027 plans in Lowndes CountyState guide: Mississippi

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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. We checked a sample of plans field by field against Medicare.gov. 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 Lowndes County, MS. So the Original Medicare total needs your own Medigap quote. You can look up prices for ZIP 39701 on Medicare.gov. Totals use typical Medicare-allowed amounts for each service and typical drug prices.

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.

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