
Compare & Enroll — Part C & Part D
Compare & Enroll in Medicare Plans in 39429, MS
With 118 Medicare Advantage options from 14 insurers, 39429, MS has significantly more plan choices than the national average, suggesting a highly competitive market where insurers often lower premiums to attract members. Approximately 96% 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.
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).
Medicare Eligibility in 39429, MS
Approximately 3,626 residents (20.1% of the population) in 39429, 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 39429, MS is $51,530 (31.4% 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. 39429, MS's 118 Medicare Advantage plans are a mix leaning toward HMO networks (66 HMO, 52 PPO). 113 plans offer $0 monthly premiums. The average local star rating is 3.8 out of 5, with the top plan earning 4.5 ★.
Top Medicare Advantage Plans in 39429, MS
We organize CMS plan data into separate leaderboards so you can compare based on what matters most to you. Part C premiums in 39429, MS range from $0 to $206/month. Among rated plans, 49 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 Name | Insurer | Star Rating | Premium | Type | |
|---|---|---|---|---|---|
| Humana Gold Plus H1951-028 (HMO) | Humana | 4.5 ★ | $0.00/mo | HMO | Enroll |
| Peoples Health Choices 65 (HMO-POS) | Peoples Health | 4.5 ★ | $0.00/mo | HMO-POS | Enroll |
| Humana Gold Plus Snp-De H1951-061 (HMO D-SNP) | Humana | 4.5 ★ | $0.00/mo | HMO D-SNP | Enroll |
| Humana Gold Plus Snp-De H1951-057 (HMO D-SNP) | Humana | 4.5 ★ | $0.00/mo | HMO D-SNP | Enroll |
| Peoples Health Secure Health (HMO-POS D-SNP) | Peoples Health | 4.5 ★ | $0.00/mo | HMO-POS D-SNP | Enroll |
Lowest Monthly Premium
Lower premiums can save money, but check total costs including deductibles, copays, and MOOP.
| Plan Name | Insurer | Monthly Premium | MOOP | Star Rating |
|---|---|---|---|---|
| Humana Gold Plus H1036-151 (HMO) | Humana | $0.00/mo | $4,900 | 4.0 ★ |
| Humana Gold Plus H1951-028 (HMO) | Humana | $0.00/mo | $4,500 | 4.5 ★ |
| Healthspring Preferred (HMO) | Healthspring | $0.00/mo | $5,200 | 4.0 ★ |
| Humanachoice H5216-300 (PPO) | Humana | $0.00/mo | $4,201 | 3.5 ★ |
| Blue Advantage Classic (HMO-POS) | Blue Cross And Blue Shield Of Louisiana | $0.00/mo | $5,900 | 4.0 ★ |
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 Name | Insurer | MOOP (In-Network) | Premium | Star Rating |
|---|---|---|---|---|
| Humana Full Access R0110-003 (REGIONAL PPO) | Humana | $3,300 | $80.30/mo | 3.5 ★ |
| Blue Advantage Platinum (HMO-POS) | Blue Cross And Blue Shield Of Louisiana | $3,500 | $206.00/mo | 4.0 ★ |
| Wellcare Dual Reserve (HMO-POS D-SNP) | Wellcare | $3,600 | $0.00/mo | 3.5 ★ |
| Healthspring Achieve (HMO C-SNP) | Healthspring | $3,800 | $0.00/mo | 4.0 ★ |
| Healthy Mississippi Premier Advantage (HMO-POS) | Healthy Mississippi, Inc. | $3,850 | $0.00/mo | N/A |
Plan Type Mix in 39429, 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 Type | Count | Percentage | Description |
|---|---|---|---|
| PPO | 29 | 24.6% | No referrals; in and out-of-network |
| HMO D-SNP | 19 | 16.1% | Medicare Advantage plan |
| PPO D-SNP | 17 | 14.4% | Medicare Advantage plan |
| HMO-POS | 17 | 14.4% | HMO with some out-of-network options |
| HMO-POS D-SNP | 14 | 11.9% | Medicare Advantage plan |
| HMO | 10 | 8.5% | Requires referrals; in-network only |
| PPO C-SNP | 4 | 3.4% | Medicare Advantage plan |
| Regional PPO | 2 | 1.7% | Medicare Advantage plan |
| HMO I-SNP | 2 | 1.7% | Medicare Advantage plan |
| HMO-POS C-SNP | 2 | 1.7% | Medicare Advantage plan |
| HMO C-SNP | 2 | 1.7% | 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 39429, 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 39429, MS
14 insurance companies offer Medicare Advantage plans in 39429, 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.














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 20 standalone Part D plans in 39429, MS, some offer $0 annual deductibles while others charge up to the 2026 maximum of $590. 4 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.
Top Part D Drug Plans in 39429, 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 39429, MS range from $0 to $141/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 Name | Insurer | Star Rating | Premium | Deductible | |
|---|---|---|---|---|---|
| Wellcare Value Script (PDP) | Wellcare | 3.5 ★ | $0.00/mo | $615 | Enroll |
| Wellcare Classic (PDP) | Wellcare | 3.5 ★ | $0.00/mo | $615 | Enroll |
| Wellcare Classic (PDP) | Wellcare | 3.5 ★ | $6.70/mo | $615 | Enroll |
| Wellcare Value Script (PDP) | Wellcare | 3.5 ★ | $5.70/mo | $615 | Enroll |
| Silverscript Choice (PDP) | Aetna Medicare | 3.0 ★ | $98.30/mo | $615 | Enroll |
Lowest Monthly Premium
Lower premiums help with monthly cash flow, but check drug tier costs and the deductible.
| Plan Name | Insurer | Monthly Premium | Drug Deductible | Star Rating |
|---|---|---|---|---|
| Wellcare Value Script (PDP) | Wellcare | $0.00/mo | $615 | 3.5 ★ |
| Wellcare Classic (PDP) | Wellcare | $0.00/mo | $615 | 3.5 ★ |
| Humana Basic Rx Plan (PDP) | Humana | $0.00/mo | $615 | 3.0 ★ |
| Humana Basic Rx Plan (PDP) | Humana | $0.00/mo | $615 | 3.0 ★ |
| Wellcare Value Script (PDP) | Wellcare | $5.70/mo | $615 | 3.5 ★ |
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 Name | Insurer | Drug Deductible | Monthly Premium | Star Rating |
|---|---|---|---|---|
| Humana Premier Rx Plan (PDP) | Humana | $0 | $89.90/mo | 3.0 ★ |
| Humana Premier Rx Plan (PDP) | Humana | $0 | $113.70/mo | 3.0 ★ |
| Aarp Medicare Rx Preferred From Uhc (PDP) | Unitedhealthcare | $130 | $139.50/mo | 2.0 ★ |
| Aarp Medicare Rx Preferred From Uhc (PDP) | Unitedhealthcare | $130 | $140.60/mo | 2.0 ★ |
| Humana Value Rx Plan (PDP) | Humana | $601 | $19.30/mo | 3.0 ★ |
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 39429, MS
5 insurance companies offer standalone Part D drug plans in 39429, MS. Below, we group plans by insurer.





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 39429, MS?
Compare plans side-by-side at Medicare.gov or speak with a licensed Medicare specialist.
📋 Print our Medicare Enrollment Checklist — gather your info before you compare.
📅 Enrollment Dates & Deadlines · 🩺 Questions to Ask Your Doctor
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Pharmacy Access in 39429, MS
Part D plans have preferred pharmacy networks where you'll pay lower copays. Here's a look at pharmacy options in and around 39429, MS.
Total Pharmacies
Chain Pharmacies
Independent Pharmacies
| Pharmacy | Address & Phone | Distance | Type |
|---|---|---|---|
| MARION DISCOUNT DRUGS | 5332 DALE DRIVE MARION, MS 39342 601-148-2700 | 2.5 mi | Independent |
| MAGNOLIA MEDSHOPPE LLC | 431 BROAD ST COLUMBIA, MS 394293056 601-173-8212 | 2.9 mi | Independent |
| D AND F ENTERPRISES | 508 S HIGH SCHOOL AVE COLUMBIA, MS 394293000 601-173-4562 | 3.0 mi | Independent |
| SAV-ON-DRUGS OF COLUMBIA, INC | 345 BROAD ST COLUMBIA, MS 394292964 601-173-6321 | 3.0 mi | Independent |
| WAL-MART STORES EAST LP | 1001 HIGHWAY 98 BYP COLUMBIA, MS 394293741 601-173-1266 | 3.2 mi | Chain |
| K & E DRUGS | 718 MAIN ST COLUMBIA, MS 394292938 601-173-3481 | 3.2 mi | Independent |
| FARMERS MEDSHOPPE LLC | 62 HIGHWAY 587 FOXWORTH, MS 394835026 601-142-3530 | 4.9 mi | Independent |
| FAMILY DRUG MART OF SUMRALL, LLC | 4233 ROCKY BRANCH RD STE B SUMRALL, MS 394824142 504-433-7992 | 19.1 mi | Independent |
| THOMAS DRUG COMPANY | 109 BALL AVE TYLERTOWN, MS 396672101 601-187-3665 | 22.2 mi | Independent |
| SOUTHWEST PHARMACY INC | 3000 PLAZA DR STE B TYLERTOWN, MS 396679227 601-137-1982 | 22.7 mi | Independent |
Pharmacy data from CMS. Network participation varies by plan—always verify with your specific Part D plan.
Local Healthcare Access in 39429, MS
Before choosing a plan, consider the healthcare infrastructure in 39429, 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.
Hospitals Nearby
Top-Rated Hospitals near 39429, MS
If hospital access matters to your plan choice, check quality ratings before you enroll. These are the highest CMS-rated hospitals near 39429, MS — click a hospital name to see its full profile and verify it's in your plan's network.
| Hospital | CMS Rating | Distance | Beds |
|---|---|---|---|
| Merit Health Wesley | 2 ★ | 29.9 mi | 211 |
| Forrest General Hospital | 2 ★ | 29.9 mi | 537 |
| Marion General Hospital | Not Rated | 1.9 mi | 79 |
| South Mississippi State Hospital | Not Rated | 23.2 mi | 50 |
| Walthall County General Hospital Cah | Not Rated | 23.4 mi | 35 |
| Jefferson Davis Community Hospital Cah | Not Rated | 25.3 mi | 35 |
| Pearl River County Hospital | Not Rated | 29.9 mi | 24 |
| Covington County Hospital Cah | Not Rated | 30.9 mi | 35 |
| Our Lady Of The Angels Hospital | Not Rated | 32.0 mi | 66 |
| Riverside Medical Center | Not Rated | 34.6 mi | 25 |
View all 3 hospitals near 39429, MS to check quality before you enroll →
Hospital data from CMS Hospital Compare and Provider of Services file. Distance calculated from center of 39429, MS.
Telehealth in 39429, 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 39429, MS. For official guidance on virtual visits, see Telehealth.HHS.gov from the U.S. Department of Health & Human Services.
Check Internet Providers at Your Address
Telehealth works best with reliable internet. Use this tool (provided free by ISP Reports) to see what's available at your address.
Opens ISP Reports in a new tab. This is not a paid relationship. Special thank you to ISP Reports for allowing free use of their address tool.
Internet Coverage in 39429, MS
Internet coverage data from ISP Reports. View full internet report for 39429, MS.
Medicare-Relevant Demographics in 39429, MS
Understanding 39429, 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.
Demographic data from U.S. Census Bureau American Community Survey (2023). View full 39429, MS demographics (BestNeighborhood.org).
Community Health in 39429, MS
CDC PLACES population-health estimates for 39429, 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.
Source: CDC PLACES (2025) — zip-level, population-weighted estimates.
Medicare Plans by Health Condition in 39429, 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 39429, MS
Medicare-enrolled doctors practicing in or near 39429, 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.
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 39429, MS →Local Medicare FAQ: 39429, MS
Common decision points based on 39429, MS's specific plan market and local healthcare landscape.
How does 39429, MS's Medicare Advantage market compare?
39429, MS has 118 Medicare Advantage plans from 14 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 66 HMO and 52 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 39429, 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 (66 available) cost less but limit your choices. In 39429, MS, HMO plans dominate the market, which often means more competitive HMO pricing. Always verify your doctors are in-network before enrolling in any plan.
What's the real cost of $0 premium plans in 39429, MS?
113 plans (96% of available options) in 39429, 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 39429, MS, maximum out-of-pocket limits range from $3,300 to an average of $7,305. 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 39429, 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 20 standalone Part D plans in 39429, MS.
What this means locally:
- Cost predictability — No matter which of the 20 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 — 4 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
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.
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 39429, 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 39429, MS from ispreports.org
- BestNeighborhood.org: Community demographic profiles for 39429, MS from bestneighborhood.org
- CrimeGrade.org: Block-level safety analytics for 39429, 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