Compare & Enroll — Part C & Part D

Compare & Enroll in Medicare Plans in 38759, MS

With 87 Medicare Advantage options from 6 insurers, 38759, MS has significantly more plan choices than the national average, suggesting a competitive market with meaningful insurer variety. Approximately 95% of local MA plans charge $0 beyond the standard Part B premium, reflecting strong price competition. With 3 hospitals within 25.0 miles, verifying your preferred hospital is in-network is especially important here. We've organized the CMS data below to help you cross-reference plan costs, quality ratings, and local provider access. Compare plans below, and when you're ready, enroll directly at Medicare.gov.

📊 Direct from CMS 🚫 No agents or commissions ✓ Just the data, no sales pitch
Compare Plans at Medicare.gov →

Data freshness: CMS data as of February 2026 • ACS data as of 2023 • CDC PLACES data as of 2025 • Reviewed & approved on 2026-02-16 • Page last updated May 2026
Reviewed by: Wes Ward, Founder & Data Lead • View our methodology

Important: We are not affiliated with Medicare or any government agency. This site displays publicly available CMS data to help you compare plans. We do not sell insurance or represent any insurance company. For official enrollment and complete plan information, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227).

Important: Plan availability, benefits, and CMS Star Ratings shown here come directly from CMS public files. Plan details can change—always verify with the insurer and at Medicare.gov.
Part C Plans
87
Part D Plans
22
Top MA Star
4.5
Top Drug Star
3.5
Happy senior couple reviewing Medicare plan options together

Medicare Eligibility in 38759, MS

Approximately 218 residents (15.0% of the population) in 38759, MS are 65 or older and likely Medicare-eligible. Whether you're approaching 65, already enrolled, or a caregiver comparing options, the plan data below is organized to help you evaluate Part C (Medicare Advantage) and Part D (prescription drug) coverage side by side.

The median household income in 38759, MS is $50,044 (33.4% below the National Average), which may affect eligibility for Extra Help with Part D drug costs.

Part C: Medicare Advantage Plans

Medicare Advantage (Part C) replaces Original Medicare through private insurers who bundle hospital, medical, and often drug coverage into a single plan. 38759, MS's 87 Medicare Advantage plans are a mix leaning toward PPO networks (53 PPO, 34 HMO). 83 plans offer $0 monthly premiums. The average local star rating is 3.7 out of 5, with the top plan earning 4.5 ★.

Top Medicare Advantage Plans in 38759, MS

We organize CMS plan data into separate leaderboards so you can compare based on what matters most to you. Part C premiums in 38759, MS range from $0 to $80/month. Among rated plans, 31 plans rated 4+ stars.

Highest CMS Star Ratings

Star Ratings are assigned by CMS based on quality measures including customer service, preventive care, and managing chronic conditions.

Plan NameInsurerStar RatingPremiumType
Uhc Dual Complete Ar-S2 (PPO D-SNP)Unitedhealthcare4.5 ★$0.00/moPPO D-SNPEnroll
Uhc Dual Complete Ar-S001 (PPO D-SNP)Unitedhealthcare4.5 ★$0.00/moPPO D-SNPEnroll
Humanachoice Snp-De H7617-084 (PPO D-SNP)Humana4.5 ★$0.00/moPPO D-SNPEnroll
Uhc Dual Complete Ar-V001 (PPO D-SNP)Unitedhealthcare4.5 ★$0.00/moPPO D-SNPEnroll
Humanachoice H7617-085 (PPO)Humana4.5 ★$0.00/moPPOEnroll

Lowest Monthly Premium

Lower premiums can save money, but check total costs including deductibles, copays, and MOOP.

Plan NameInsurerMonthly PremiumMOOPStar Rating
Humanachoice Snp-De H5216-367 (PPO D-SNP)Humana$0.00/mo$9,2503.5 ★
Uhc Dual Complete Ms-S3 (PPO D-SNP)Unitedhealthcare$0.00/mo$9,2504.0 ★
Humanachoice - Diabetes And Heart (PPO C-SNP)Humana$0.00/mo$6,7003.5 ★
Uhc Dual Complete Ms-S001 (PPO D-SNP)Unitedhealthcare$0.00/mo$9,2504.0 ★
Humanachoice H5216-300 (PPO)Humana$0.00/mo$4,2013.5 ★

Lowest Maximum Out-of-Pocket (MOOP)

MOOP caps your financial risk. Once you hit this limit, the plan covers 100% of covered services for the rest of the year.

Plan NameInsurerMOOP (In-Network)PremiumStar Rating
Humana Full Access R0110-003 (REGIONAL PPO)Humana$3,300$80.30/mo3.5 ★
Wellcare Dual Reserve (HMO-POS D-SNP)Wellcare$3,850$0.00/mo3.5 ★
Humanachoice H5216-300 (PPO)Humana$4,201$0.00/mo3.5 ★
Humanachoice H7617-085 (PPO)Humana$4,201$0.00/mo4.5 ★
Humanachoice H5216-231 (PPO)Humana$4,500$0.00/mo3.5 ★

Plan Type Mix in 38759, MS

HMO plans require referrals and in-network care. PPO plans offer more flexibility. SNP (Special Needs Plans) serve specific populations. MAPD plans include drug coverage.

Plan TypeCountPercentageDescription
PPO2225.3%No referrals; in and out-of-network
PPO D-SNP1921.8%Medicare Advantage plan
HMO-POS1719.5%HMO with some out-of-network options
HMO-POS D-SNP1112.6%Medicare Advantage plan
Regional PPO55.7%Medicare Advantage plan
PPO C-SNP55.7%Medicare Advantage plan
HMO D-SNP22.3%Medicare Advantage plan
Regional PPO C-SNP22.3%Medicare Advantage plan
HMO-POS I-SNP11.1%Medicare Advantage plan
HMO11.1%Requires referrals; in-network only
HMO-POS C-SNP11.1%Medicare Advantage plan
HMO I-SNP11.1%Medicare Advantage plan

Choosing the Right Medicare Advantage Plan

The best Part C plan depends on your doctors, medications, and budget. Key factors to evaluate:

  • Provider network: Verify your doctors and hospitals near 38759, MS are in-network before enrolling
  • Total cost: A $0 premium may have higher copays—calculate your annual cost
  • Star Ratings: 4+ stars indicate above-average quality and member satisfaction

Read our full guide on choosing Medicare Advantage → · Print our enrollment checklist →
Medicare Glossary: HMO, PPO, MOOP & more →

Medicare Advantage Insurers in 38759, MS

6 insurance companies offer Medicare Advantage plans in 38759, MS. Below, we group plans by insurer so you can compare options from each company. More insurers generally means more competition and better benefits for consumers.

Aetna Medicare
Avg Star Rating
4.2 ★
7 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Aetna Medicare Full Dual Care (HMO D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO D-SNP
Aetna Medicare Signature (HMO)
$0.00/mo
$9,250
3.5 ★
HMO
Aetna Medicare Value Plus (PPO)
$0.00/mo
$9,250
4.5 ★
PPO
Aetna Medicare Dual Care (PPO D-SNP)
$0.00/mo
$9,250
4.5 ★
PPO D-SNP
Aetna Medicare Dual Extra Care (PPO D-SNP)
$0.00/mo
$9,250
4.5 ★
PPO D-SNP
Aetna Medicare Eagle Plus (PPO)
$0.00/mo
$9,250
4.5 ★
PPO
Aetna Medicare Signature Plus (PPO)
$0.00/mo
$9,250
4.5 ★
PPO
Humana
Avg Star Rating
3.8 ★
31 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Humana Value Plus H5216-160 (PPO)
$0.00/mo
$8,600
3.5 ★
PPO
Humanachoice H5216-083 (PPO)
$0.00/mo
$6,750
3.5 ★
PPO
Humanachoice H5216-136 (PPO)
$0.00/mo
$6,500
3.5 ★
PPO
Humanachoice R1532-002 (REGIONAL PPO)
$0.00/mo
$7,450
3.0 ★
Regional PPO
Humana Usaa Honor Giveback (REGIONAL PPO)
$0.00/mo
$5,500
3.0 ★
Regional PPO
Humanachoice R0110-001 (REGIONAL PPO)
$0.00/mo
$7,350
3.5 ★
Regional PPO
Humana Value Plus H7617-087 (PPO)
$0.00/mo
$8,600
4.5 ★
PPO
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$4,700
4.5 ★
PPO
Humanachoice H7617-085 (PPO)
$0.00/mo
$4,201
4.5 ★
PPO
Humanachoice Snp-De H7617-084 (PPO D-SNP)
$0.00/mo
$9,250
4.5 ★
PPO D-SNP
Humana Dual Select H7617-083 (PPO D-SNP)
$0.00/mo
$9,250
4.5 ★
PPO D-SNP
Humanachoice Snp-De H7617-082 (PPO D-SNP)
$0.00/mo
$9,250
4.5 ★
PPO D-SNP
Humanachoice - Diabetes And Heart (PPO C-SNP)
$0.00/mo
$5,900
4.5 ★
PPO C-SNP
Humanachoice Snp-De H7617-075 (PPO D-SNP)
$0.00/mo
$9,250
4.5 ★
PPO D-SNP
Humana Dual Select H7617-074 (PPO D-SNP)
$0.00/mo
$5,700
4.5 ★
PPO D-SNP
Humanachoice Giveback H7617-056 (PPO)
$0.00/mo
$7,925
4.5 ★
PPO
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$4,700
4.5 ★
PPO
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$4,700
3.5 ★
PPO
Humanachoice Giveback H5216-264 (PPO)
$0.00/mo
$7,925
3.5 ★
PPO
Humanachoice Snp-De H5216-219 (PPO D-SNP)
$0.00/mo
$9,250
3.5 ★
PPO D-SNP
Humanachoice H5216-231 (PPO)
$0.00/mo
$4,500
3.5 ★
PPO
Humanachoice Snp-De H5216-470 (PPO D-SNP)
$0.00/mo
$9,250
3.5 ★
PPO D-SNP
Humanachoice Snp-De H5216-367 (PPO D-SNP)
$0.00/mo
$9,250
3.5 ★
PPO D-SNP
Humanachoice - Diabetes And Heart (PPO C-SNP)
$0.00/mo
$5,900
3.5 ★
PPO C-SNP
Humana Dual Select H5216-361 (PPO D-SNP)
$0.00/mo
$5,700
3.5 ★
PPO D-SNP
Humanachoice - Diabetes And Heart (PPO C-SNP)
$0.00/mo
$6,700
3.5 ★
PPO C-SNP
Humanachoice H5216-300 (PPO)
$0.00/mo
$4,201
3.5 ★
PPO
Humana Dual Select H5216-298 (PPO D-SNP)
$0.00/mo
$9,250
3.5 ★
PPO D-SNP
Humana Usaa Honor Giveback (PPO)
$0.00/mo
$4,700
3.5 ★
PPO
Humanachoice Snp-De H5216-292 (PPO D-SNP)
$0.00/mo
$9,250
3.5 ★
PPO D-SNP
Humana Full Access R0110-003 (REGIONAL PPO)
$80.30/mo
$3,300
3.5 ★
Regional PPO
Unitedhealthcare
Avg Star Rating
3.8 ★
25 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Aarp Medicare Advantage Giveback From Uhc Ar-3 (HMO-POS)
$0.00/mo
$9,250
4.0 ★
HMO-POS
Aarp Medicare Advantage Extras From Uhc Ar-7 (HMO-POS)
$0.00/mo
$6,700
4.0 ★
HMO-POS
Uhc Dual Complete Ms-S002 (HMO-POS D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO-POS D-SNP
Uhc Dual Complete Ms-V001 (HMO-POS D-SNP)
$0.00/mo
$5,900
3.5 ★
HMO-POS D-SNP
Uhc Dual Complete Ms-S4 (HMO-POS D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO-POS D-SNP
Aarp Medicare Advantage Patriot No Rx Ar-Ma01 (HMO-POS)
$0.00/mo
$6,700
4.0 ★
HMO-POS
Aarp Medicare Advantage From Uhc Ar-0002 (HMO-POS)
$0.00/mo
$5,700
4.0 ★
HMO-POS
Aarp Medicare Advantage Essentials From Uhc Ar-1 (HMO-POS)
$0.00/mo
$5,700
4.0 ★
HMO-POS
Uhc Dual Complete Ar-S2 (PPO D-SNP)
$0.00/mo
$9,250
4.5 ★
PPO D-SNP
Uhc Dual Complete Ar-V001 (PPO D-SNP)
$0.00/mo
$6,200
4.5 ★
PPO D-SNP
Uhc Dual Complete Ar-S001 (PPO D-SNP)
$0.00/mo
$9,250
4.5 ★
PPO D-SNP
Aarp Medicare Advantage From Uhc Ms-0001 (HMO-POS)
$0.00/mo
$5,900
4.0 ★
HMO-POS
Uhc Complete Care Ms-6 (HMO-POS C-SNP)
$0.00/mo
$5,900
4.0 ★
HMO-POS C-SNP
Uhc Dual Complete Ms-S3 (PPO D-SNP)
$0.00/mo
$9,250
4.0 ★
PPO D-SNP
Uhc Complete Care Ar-6 (PPO C-SNP)
$0.00/mo
$6,200
4.0 ★
PPO C-SNP
Aarp Medicare Advantage From Uhc Ar-0004 (PPO)
$0.00/mo
$6,200
4.0 ★
PPO
Uhc Dual Complete Ms-S001 (PPO D-SNP)
$0.00/mo
$9,250
4.0 ★
PPO D-SNP
Uhc Complete Care Support Am-1a (REGIONAL PPO C-SNP)
$0.00/mo
$9,250
3.0 ★
Regional PPO C-SNP
Aarp Medicare Advantage From Uhc Ms-0002 (PPO)
$0.00/mo
$5,900
3.5 ★
PPO
Aarp Medicare Advantage Patriot No Rx Ms-Ma01 (PPO)
$0.00/mo
$6,700
3.5 ★
PPO
Aarp Medicare Advantage From Uhc Ms-0003 (PPO)
$0.00/mo
$6,700
3.5 ★
PPO
Aarp Medicare Advantage Giveback From Uhc Ms-4 (PPO)
$0.00/mo
$8,900
3.5 ★
PPO
Uhc Complete Care Ar-5 (PPO C-SNP)
$0.00/mo
$6,200
4.0 ★
PPO C-SNP
Uhc Complete Care Am-1 (REGIONAL PPO C-SNP)
$3.00/mo
$6,700
3.0 ★
Regional PPO C-SNP
Uhc Medicare Advantage Am-0002 (REGIONAL PPO)
$32.80/mo
$9,250
3.0 ★
Regional PPO
Wellcare
Avg Star Rating
3.1 ★
21 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Wellcare Giveback (HMO-POS)
$0.00/mo
$8,000
3.5 ★
HMO-POS
Wellcare Dual Reserve (HMO-POS D-SNP)
$0.00/mo
$5,500
3.0 ★
HMO-POS D-SNP
Wellcare Simple (HMO-POS)
$0.00/mo
$5,500
3.0 ★
HMO-POS
Wellcare Assist (HMO-POS)
$0.00/mo
$6,000
3.0 ★
HMO-POS
Wellcare Giveback (HMO-POS)
$0.00/mo
$7,700
3.0 ★
HMO-POS
Wellcare Giveback Dividend (HMO-POS)
$0.00/mo
$7,550
3.0 ★
HMO-POS
Wellcare Patriot Giveback (HMO-POS)
$0.00/mo
$5,000
3.0 ★
HMO-POS
Wellcare Patriot Giveback (HMO-POS)
$0.00/mo
$6,500
3.0 ★
HMO-POS
Wellcare Simple Preferred (HMO-POS)
$0.00/mo
$6,000
3.0 ★
HMO-POS
Wellcare Dual Liberty (HMO-POS D-SNP)
$0.00/mo
$9,250
3.0 ★
HMO-POS D-SNP
Wellcare Dual Liberty Nurture (HMO-POS D-SNP)
$0.00/mo
$9,250
3.0 ★
HMO-POS D-SNP
Wellcare Simple (HMO-POS)
$0.00/mo
$6,700
3.5 ★
HMO-POS
Wellcare Patriot Giveback Preferred (HMO-POS)
$0.00/mo
$4,900
3.5 ★
HMO-POS
Wellcare Simple Open (PPO)
$0.00/mo
$6,750
3.0 ★
PPO
Wellcare Dual Access Open (PPO D-SNP)
$0.00/mo
$9,250
3.0 ★
PPO D-SNP
Wellcare Dual Access Harmony (HMO-POS D-SNP)
$0.00/mo
$9,250
3.0 ★
HMO-POS D-SNP
Wellcare Dual Access (HMO-POS D-SNP)
$0.00/mo
$9,250
3.0 ★
HMO-POS D-SNP
Wellcare Dual Reserve (HMO-POS D-SNP)
$0.00/mo
$3,850
3.5 ★
HMO-POS D-SNP
Wellcare Dual Liberty (HMO-POS D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO-POS D-SNP
Wellcare Dual Access (HMO-POS D-SNP)
$0.00/mo
$9,250
3.5 ★
HMO-POS D-SNP
Wellcare Low Premium (HMO-POS)
$38.00/mo
$5,600
3.0 ★
HMO-POS
Arkansas Superior Select Health Plans
Avg Star Rating
N/A
2 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
Tribute Select (HMO-POS I-SNP)
$0.00/mo
$9,250
N/A
HMO-POS I-SNP
Arkansas Integrated Providers (HMO D-SNP)
$0.00/mo
$9,250
N/A
HMO D-SNP
American Health Advantage Of Ms
Avg Star Rating
N/A
1 plans
From $0.00/mo
Plan
Premium
MOOP
Stars
Type
American Health Advantage Of Mississippi (HMO I-SNP)
$0.00/mo
$9,250
N/A
HMO I-SNP

Plan availability, premiums, and benefits shown are based on CMS data and may change. Always verify current details with the insurer and at Medicare.gov before enrolling.

Part D: Prescription Drug Plans (PDP)

Part D covers prescription drugs through standalone plans for those on Original Medicare, or as part of a Medicare Advantage bundle. Among the 22 standalone Part D plans in 38759, MS, some offer $0 annual deductibles while others charge up to the 2026 maximum of $590. 5 plans are at or below the regional premium benchmark, making them eligible for Low Income Subsidy auto-enrollment. The 2026 $2,000 out-of-pocket cap means drug costs are now more predictable regardless of which plan you choose, but formulary coverage still varies significantly—always verify your medications are covered before enrolling.

Part D Formulary Notice: Each Part D plan has its own formulary (list of covered drugs). The same medication may be on different tiers—or not covered at all—depending on the plan. Always check that your specific medications are covered before enrolling.
2026 Out-of-Pocket Cap: Thanks to the Inflation Reduction Act, your total out-of-pocket drug costs are capped at $2,000 per year in 2026. Once you reach this limit, you pay nothing more for covered Part D drugs for the rest of the year. This eliminates the old "donut hole" coverage gap that previously caused higher costs.
Low Income Subsidy (LIS / Extra Help): If you have limited income and resources, you may qualify for Extra Help paying Part D costs. Visit SSA.gov or call 1-800-MEDICARE.

Top Part D Drug Plans in 38759, MS

We organize Part D plans by CMS Star Ratings, premiums, and deductibles so you can find the best fit for your prescription needs. Part D premiums in 38759, MS range from $0 to $181/month. Remember: all Part D plans now cap your annual out-of-pocket drug costs at $2,000 thanks to the Inflation Reduction Act.

Highest CMS Star Ratings (Part D)

Part D Star Ratings measure drug pricing, customer service, member complaints, and pharmacy access.

Plan NameInsurerStar RatingPremiumDeductible
Wellcare Value Script (PDP)Wellcare3.5 ★$0.00/mo$615Enroll
Wellcare Classic (PDP)Wellcare3.5 ★$0.00/mo$615Enroll
Wellcare Classic (PDP)Wellcare3.5 ★$0.00/mo$615Enroll
Wellcare Value Script (PDP)Wellcare3.5 ★$0.00/mo$615Enroll
Humana Basic Rx Plan (PDP)Humana3.0 ★$0.00/mo$615Enroll

Lowest Monthly Premium

Lower premiums help with monthly cash flow, but check drug tier costs and the deductible.

Plan NameInsurerMonthly PremiumDrug DeductibleStar Rating
Wellcare Value Script (PDP)Wellcare$0.00/mo$6153.5 ★
Wellcare Classic (PDP)Wellcare$0.00/mo$6153.5 ★
Humana Basic Rx Plan (PDP)Humana$0.00/mo$6153.0 ★
Humana Value Rx Plan (PDP)Humana$0.00/mo$6013.0 ★
Wellcare Classic (PDP)Wellcare$0.00/mo$6153.5 ★

Lowest Annual Drug Deductible

The deductible is what you pay out-of-pocket before the plan starts covering drug costs. The 2026 maximum Part D deductible is $590. Many plans offer $0 deductible options.

Plan NameInsurerDrug DeductibleMonthly PremiumStar Rating
Humana Premier Rx Plan (PDP)Humana$0$89.90/mo3.0 ★
Humana Premier Rx Plan (PDP)Humana$0$92.40/mo3.0 ★
Bluemedicare Premier Rx (PDP)Arkansas Blue Medicare$0$181.20/mo3.0 ★
Aarp Medicare Rx Preferred From Uhc (PDP)Unitedhealthcare$130$114.90/mo2.0 ★
Aarp Medicare Rx Preferred From Uhc (PDP)Unitedhealthcare$130$140.60/mo2.0 ★
Understanding drug tiers: Part D plans organize medications into 5 cost tiers — Tier 1 (Preferred Generic) is cheapest; Tier 5 (Specialty) is most expensive. Two plans with the same premium can have very different costs for your drugs depending on tier placement. Learn more about drug tiers →

Choosing the Right Part D Drug Plan

The right Part D plan depends on your specific medications. Key factors to evaluate:

  • Formulary: Verify your drugs are covered before enrolling
  • Preferred pharmacies: Lower copays at certain locations—check your pharmacy is in-network
  • Total annual cost: Premium + deductible + copays for your drugs

Read our full guide on choosing Part D →
What is a formulary? See our Medicare Glossary →

Part D Drug Plan Insurers in 38759, MS

6 insurance companies offer standalone Part D drug plans in 38759, MS. Below, we group plans by insurer.

Wellcare
Avg Star Rating
3.5 ★
4 plans
From $0.00/mo
Plan
Premium
Deductible
Stars
Type
Wellcare Value Script (PDP)
$0.00/mo
$615
3.5 ★
PDP
Wellcare Classic (PDP)
$0.00/mo
$615
3.5 ★
PDP
Wellcare Value Script (PDP)
$0.00/mo
$615
3.5 ★
PDP
Wellcare Classic (PDP)
$0.00/mo
$615
3.5 ★
PDP
Humana
Avg Star Rating
3.0 ★
6 plans
From $0.00/mo
Plan
Premium
Deductible
Stars
Type
Humana Basic Rx Plan (PDP)
$0.00/mo
$615
3.0 ★
PDP
Humana Basic Rx Plan (PDP)
$0.00/mo
$615
3.0 ★
PDP
Humana Value Rx Plan (PDP)
$0.00/mo
$601
3.0 ★
PDP
Humana Value Rx Plan (PDP)
$37.60/mo
$601
3.0 ★
PDP
Humana Premier Rx Plan (PDP)
$89.90/mo
$0
3.0 ★
PDP
Humana Premier Rx Plan (PDP)
$92.40/mo
$0
3.0 ★
PDP
Aetna Medicare
Avg Star Rating
3.0 ★
2 plans
From $73.50/mo
Plan
Premium
Deductible
Stars
Type
Silverscript Choice (PDP)
$73.50/mo
$615
3.0 ★
PDP
Silverscript Choice (PDP)
$98.30/mo
$615
3.0 ★
PDP
Arkansas Blue Medicare
Avg Star Rating
3.0 ★
2 plans
From $52.50/mo
Plan
Premium
Deductible
Stars
Type
Bluemedicare Value Rx (PDP)
$52.50/mo
$615
3.0 ★
PDP
Bluemedicare Premier Rx (PDP)
$181.20/mo
$0
3.0 ★
PDP
Healthspring
Avg Star Rating
2.5 ★
4 plans
From $0.00/mo
Plan
Premium
Deductible
Stars
Type
Healthspring Assurance Rx (PDP)
$0.00/mo
$615
2.5 ★
PDP
Healthspring Extra Rx (PDP)
$54.50/mo
$615
2.5 ★
PDP
Healthspring Assurance Rx (PDP)
$59.70/mo
$615
2.5 ★
PDP
Healthspring Extra Rx (PDP)
$77.10/mo
$615
2.5 ★
PDP
Unitedhealthcare
Avg Star Rating
2.0 ★
4 plans
From $65.10/mo
Plan
Premium
Deductible
Stars
Type
Aarp Medicare Rx Saver From Uhc (PDP)
$65.10/mo
$615
2.0 ★
PDP
Aarp Medicare Rx Saver From Uhc (PDP)
$84.70/mo
$615
2.0 ★
PDP
Aarp Medicare Rx Preferred From Uhc (PDP)
$114.90/mo
$130
2.0 ★
PDP
Aarp Medicare Rx Preferred From Uhc (PDP)
$140.60/mo
$130
2.0 ★
PDP

Plan availability, premiums, and benefits shown are based on CMS data and may change. Always verify current details with the insurer and at Medicare.gov before enrolling.

Ready to Enroll in 38759, MS?

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Pharmacy Access in 38759, MS

Part D plans have preferred pharmacy networks where you'll pay lower copays. Here's a look at pharmacy options in and around 38759, MS.

Total Pharmacies

10
within 5.0 miles

Chain Pharmacies

3
CVS, Walgreens, etc.

Independent Pharmacies

7
locally owned
PharmacyAddress & PhoneDistanceType
PHARMEDIUM SERVICES LLC913 N DAVIS AVE CLEVELAND, MS 387322106📞 662-284-59692.8 miIndependent
WAL-MART STORES EAST LP710 N DAVIS AVE CLEVELAND, MS 387322102📞 662-284-60083.2 miChain
KROGER LIMITED PARTNERSHIP I602 N DAVIS AVE CLEVELAND, MS 387322356📞 662-284-08353.5 miChain
WALGREEN CO301 N DAVIS AVE CLEVELAND, MS 387322349📞 662-284-57813.7 miChain
FREDS STORES OF TENNESSEE INC306 E SUNFLOWER RD CLEVELAND, MS 387322732📞 662-284-98003.7 miIndependent
COMMERCE RX CORPORATION117 COMMERCE AVE CLEVELAND, MS 387322735📞 662-229-77413.8 miIndependent
TLL&W INC DBA BUCKLEYS PHARMACY301 HOSPITAL DR CLEVELAND, MS 387322358📞 662-284-36543.8 miIndependent
DELTA PHARMACY108 COMMERCE AVE CLEVELAND, MS 387322736📞 662-284-65603.9 miIndependent
CLEVELAND MEDICAL ARTS PHARMACY INC810 E SUNFLOWER RD STE 100D CLEVELAND, MS 387322828📞 662-284-42143.9 miIndependent
SOUTH STREET PHARMACY410 SOUTH ST CLEVELAND, MS 387323450📞 662-284-67004.1 miIndependent

Pharmacy data from CMS. Network participation varies by plan—always verify with your specific Part D plan.

Local Healthcare Access in 38759, MS

Before choosing a plan, consider the healthcare infrastructure in 38759, MS. Medicare Advantage plans restrict you to in-network hospitals, so understanding local hospital quality helps you pick the right plan — not just the cheapest one.

Note: The facilities below do not indicate which providers are in-network for any specific plan. Always verify network status with your plan before enrolling.

Hospitals Nearby

3
within 25.0 miles

Top-Rated Hospitals near 38759, MS

If hospital access matters to your plan choice, check quality ratings before you enroll. These are the highest CMS-rated hospitals near 38759, MS — click a hospital name to see its full profile and verify it's in your plan's network.

HospitalCMS RatingDistanceBeds
Bolivar Medical Center1 ★3.9 mi165
Delta Health System - The Medical Center1 ★31.9 mi268
Greenwood Leflore Hospital1 ★36.4 mi260
North Sunflower Medical Center CahNot Rated11.8 mi35
South Sunflower County HospitalNot Rated24.1 mi69
Northwest Missississippi Regional Medical CenterNot Rated29.4 mi195
Mcgehee HospitalNot Rated39.9 mi25
Quitman Community HospitalNot Rated40.6 mi25
Tallahatchie General Hospital-CahNot Rated41.5 mi18
Delta Memorial HospitalNot Rated43.7 mi25

View all 3 hospitals near 38759, MS to check quality before you enroll →

Hospital data from CMS Hospital Compare and Provider of Services file. Distance calculated from center of 38759, MS.

Questions to ask your doctor about Medicare coverage →

Telehealth in 38759, MS: Is Your Internet Ready?

Many Medicare Advantage and some Part D plans now include telehealth benefits, making routine check-ins and prescription refills easier from home. But telehealth requires reliable internet—here's a look at connectivity in 38759, MS. For official guidance on virtual visits, see Telehealth.HHS.gov from the U.S. Department of Health & Human Services.

Internet Coverage in 38759, MS

Fiber Available
25.1%
of households
Cable/DSL Available
75.2%
of households
Top Provider
DE Lightspeed
22.0% coverage
No Broadband
6.8%
of households

Internet coverage data from ISP Reports. View full internet report for 38759, MS.

Medicare-Relevant Demographics in 38759, MS

Understanding 38759, MS's demographics helps contextualize why insurers offer the plans they do. Areas with more seniors and higher incomes tend to attract more insurer competition, while areas with higher Medicaid enrollment may have more Dual-Eligible Special Needs Plans (D-SNP) available.

Total Population
1,454
Population 65+
218
15.0% of total
Median Age
38
0.3 years younger than the national average
Median Income
$50,044
33.4% below the National Average
On Medicare
323
22.2% of residents
On Medicaid
389
26.8% of residents
Uninsured
151
10.4% of residents
Social Security Recipients
536
36.9% of population

Demographic data from U.S. Census Bureau American Community Survey (2023). View full 38759, MS demographics (BestNeighborhood.org).

Community Health in 38759, MS

CDC PLACES population-health estimates for 38759, MS. These indicators influence which Medicare plans tend to perform best here — plans that score well on condition-specific quality measures (diabetes A1c control, blood-pressure control, heart-attack readmission) are usually stronger matches in communities with elevated disease burden.

Diabetes
20.8%
of adults · US avg 12.1%
Heart Disease
8.9%
coronary heart disease · US avg 6.2%
High Blood Pressure
52.5%
of adults · US avg 34.1%

Source: CDC PLACES (2025) — zip-level, population-weighted estimates.

Medicare Plans by Health Condition in 38759, MS

Not every Medicare plan performs equally on every condition. These condition-specific pages rank the plans available in this zip by the CMS quality measures that matter most for each condition:

Top Medicare Doctors in 38759, MS

Medicare-enrolled doctors practicing in or near 38759, MS, ranked by specialty leadership and Medicare patient volume. The plan you pick is only as good as the doctors who accept it — verify your preferred doctors are in-network before enrolling.

See all Medicare doctors near 38759, MS →

Qualify for Both Medicare & Medicaid?

If you are dual-eligible for Medicare and Medicaid, a Dual-Eligible Special Needs Plan (D-SNP) combines both into a single card — typically with $0 premiums, $0 copays, and extra benefits like dental, vision, transportation, and over-the-counter allowances.

View D-SNP Plans in 38759, MS →

Local Medicare FAQ: 38759, MS

Common decision points based on 38759, MS's specific plan market and local healthcare landscape.

How does 38759, MS's Medicare Advantage market compare?

38759, MS has 87 Medicare Advantage plans from 6 insurers. This is significantly above the national average of approximately 57 plans per area, indicating a highly competitive local market. More competition typically means lower premiums and better supplemental benefits for beneficiaries. The local mix includes 34 HMO and 53 PPO plans. Plan availability updates annually during the Medicare Annual Enrollment Period (October 15 – December 7).

Should I choose an HMO or PPO Medicare Advantage plan in 38759, MS?

With 3 hospitals nearby, a PPO plan may offer valuable flexibility if your preferred providers aren't all in the same network. HMO plans (34 available) cost less but limit your choices. In 38759, MS, PPO plans are more common, giving you more flexibility options to compare. Always verify your doctors are in-network before enrolling in any plan.

What's the real cost of $0 premium plans in 38759, MS?

83 plans (95% of available options) in 38759, MS charge $0 beyond the standard Part B premium. This high percentage reflects strong insurer competition in the area. However, $0 premium doesn't mean $0 cost. These plans may have higher copays, coinsurance, or out-of-pocket maximums. In 38759, MS, maximum out-of-pocket limits range from $3,300 to an average of $7,391. We recommend calculating your total expected annual cost (premium + copays + drug costs) rather than choosing based on premium alone.

How does the 2026 $2,000 drug cap affect 38759, MS beneficiaries?

The Inflation Reduction Act capped annual out-of-pocket drug spending at $2,000 starting in 2025, eliminating the old "donut hole" coverage gap. This applies to all 22 standalone Part D plans in 38759, MS.

What this means locally:

  • Cost predictability — No matter which of the 22 Part D plans you choose, your drug costs are capped at $2,000/year
  • $0 deductible options — Some local plans offer $0 deductibles, meaning coverage starts immediately
  • Low-income options — 5 plans meet the regional benchmark for Extra Help/LIS eligibility

While the out-of-pocket cap standardizes maximum costs, formulary coverage still varies significantly between plans. A drug that costs $5/month on one plan's formulary might cost $50 on another. Always check that your specific medications are covered and compare tier placement before enrolling.

See all Medicare FAQs in our complete guide → · Enrollment checklist →
Medicare Glossary · Enrollment Dates & Deadlines · Doctor Questions

About the Data & Editorial Team

Wes Ward

Wes Ward

Founder & Data Lead

Wes Ward is the founder of InsuranceDataNow.org and reviews all content for data accuracy and methodology compliance.

With 25+ years in data analytics — including work with highly regulated genomic data at Ancestry.com — Wes brings enterprise-level rigor to consumer data tools. He is also a co-founder of BestNeighborhood.org, CrimeGrade.org, and ISPReports.org.

Role: Reviews and approves all content for data accuracy, source verification, and methodology compliance.

View full profile →LinkedIn

Transparency & Disclosures

InsuranceDataNow is an advertising-supported publisher based in South Jordan, Utah. We are not affiliated with or endorsed by Medicare or the U.S. government.

TPMO Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (24 hours a day/7 days a week) to get information on all of your options.

Sources

  • CMS Medicare Plan Finder Data (Part C & D): Plan availability, premiums, deductibles, formularies, and Star Ratings from cms.gov
  • CMS Provider Data: Hospital and pharmacy facility data from data.cms.gov
  • CMS NPPES: Doctor identity, specialties, and addresses from npiregistry.cms.hhs.gov
  • CMS Medicare Provider Utilization & Payment Data: Doctor patient volumes and procedures from data.cms.gov
  • CMS Physician Compare: Doctor-hospital affiliations from data.cms.gov
  • CDC PLACES: Zip-level chronic-condition prevalence (Behavioral Risk Factor Surveillance System estimates) from cdc.gov/places
  • U.S. Census Bureau / American Community Survey: Demographics for 38759, MS from census.gov
  • FCC Broadband Map: Internet availability data from broadbandmap.fcc.gov
  • Telehealth.HHS.gov: Official telehealth guidance from U.S. Dept. of Health & Human Services
  • ISP Reports: Internet provider coverage for 38759, MS from ispreports.org
  • BestNeighborhood.org: Community demographic profiles for 38759, MS from bestneighborhood.org
  • CrimeGrade.org: Block-level safety analytics for 38759, MS from crimegrade.org

All data is sourced from official government databases and trusted third-party providers. Data is updated regularly—see page header for last refresh dates. Read our full methodology →Privacy policy

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