Pivot Health Products Available in Mississippi
Pivot Health offers quality health insurance coverage plans to residents of Mississippi. As described below, these plans offer Mississippi individuals and families the ability to select the benefit structure that best meets their insurance coverage needs and budget:
- Short Term Medical Insurance – Also called temporary health insurance, or short term medical, this plan provides comprehensive benefits coverage for physician visits, in-hospital care, urgent care facility visits and much more. With no network restrictions, this plan enables insureds to seek treatment from any doctor or hospital to access benefits. You’ll know within minutes of applying if you’ve been approved for coverage, thanks to Pivot Health’s user-friendly online application process. Qualified applicants choose a coverage start date – which can be as soon as 24 hours from application.
- Supplemental Insurance Coverage – Are high deductibles or costly coinsurance rates a financial concern for you? The cash benefits provided by a supplemental coverage plan help you pay out-of-pocket medical expenses, such as insurance deductibles, copayments or coinsurance. Cash benefits may be used toward any other expenses you incur due to a serious illness or accident. Designed to work with – or supplement – your individual or employer-sponsored health care coverage, this plan can provide you much-needed financial support.
Pivot Health membership packages also provide you many extra non-insurance benefits
- Unlimited access to discounted telehealth doctor consultations.
- Your time is precious. Skip the waiting room and connect directly with a doctor at whatever time of day it works for you – telehealth is available 24/7.
- Discounts on eye care and eyewear.
- Save up to 15 percent to 40 percent on eye exams, eyeglass lenses, frames for eyeglasses and contact lenses. It’s never been so affordable to maintain good eye health.
- Valuable savings on prescription drugs.
- With the cost of prescription medications continuing to skyrocket, savings of up to 75 percent on prescription drugs at thousands of pharmacies across the nation provides you budget relief.
Health Care Coverage Challenges in Mississippi
A recent County Health Rankings report shows that approximately 20 percent of Mississippians under age 65 have no health insurance, much higher than the average national uninsured rate of 9.1 percent. Uninsured rates vary by county: Rankin and Madison Counties report a 15 percent uninsured rate, while Leake and Scott Counties both report rates of 26 percent.
The Mississippi health insurance market has been further challenged by limited insurer choices. At the end of 2016, UnitedHealthcare exited the individual health care exchange in Mississippi, which resulted in more than 18,000 insureds scrambling to find new insurance coverage. Only two carriers now offer exchange plans in the state – Magnolia/Ambetter and Humana. Magnolia/Ambetter plans are available statewide, but effective January 1, 2017, Humana reduced its coverage area to 32 counties. This means that of the 82 counties in Mississippi, residents of 50 counties have only one insurer option for exchange plans.
Premium rates for health insurance coverage in Mississippi rose again in 2017. Magnolia/Ambetter’s rates for exchange plans increased by a modest 7 percent. However, the Mississippi Insurance Department approved a 43 percent increase in premium rates for Humana. Blue Cross Blue Shield of Mississippi – a large insurance carrier in the state which offers only off-exchange plans – also increased their premiums by 16.12 percent for 2017.
Most Mississippians who purchase exchange plans will receive federal premium subsidies to help compensate for their plans’ pricing increases. In 2016, 94 percent of all Mississippi exchange enrollees receive federal premium subsidies; this is the highest percentage in the country. But those Mississippians without premium assistance, and those who purchase Affordable Care Act-compliant plans off the exchange, will be paying significantly higher rates for their coverage.
A rate of uninsured residents significantly higher than the national average, reduced insurance carrier choices and rising premium rates all point to the importance of providing The Magnolia State residents a more expansive range of health insurance choices.
Pivot Health offers insurance plans that may help meet Mississippians’ needs and budgets.
- Pivot Health’s short term health insurance provides Mississippi residents the option to choose comprehensive coverage at a fraction of the cost of major medical insurance – with no provider network restrictions.
- Pivot Health’s supplemental health insurance offers Mississippians financial protection against the coverage gaps of high deductible major medical insurance plans. Sometimes called “gap” insurance, this type of supplemental plan helps insureds pay for high deductibles, out-of-pocket costs, coinsurance, copayments, and other expenses before their high deductible major medical plan begins to pay benefits.
A Report on Mississippi’s Well-Being
A recent Gallup-Healthways State of American Well-Being report examined how well-being varies by state. Mississippi ranked 41st out of the 50 states, based on survey responses to questions covering different categories of well-being.
Residents in Mississippi reported poor scores (ranked 37th, 45th and 49th respectively) for:
- liking where you live, feeling safe and having pride in your community
- having good health and enough energy to get things done daily, as well as liking what you do each day and being motivated to achieve goals
- managing your economic life to reduce stress and increase security
On the other hand, Mississippians reported positive results for two categories, resulting in rankings of 3rd and 16th respectively, for:
- liking what you do each day and being motivated to achieve goals
- having supportive relations and love in your life
The State of Health in Mississippi
The 2017 Commonwealth Fund’s Scorecard on State Health System Performance gave Mississippi an overall ranking of 51 out of 51 (the 50 states plus the District of Columbia). This is the most recent version of the organization’s scorecard of its comparison for states in the U.S. The Commonwealth Fund’s Scorecard rated Mississippi in several areas, including:
- Uninsured adults aged 19 to 64: 46th ranking (19 percent in Mississippi, compared to the U.S. average of 13 percent)
- Uninsured children ages 0 to 18: 26th ranking (5 percent, the same as the U.S. average of 5 percent)
- Adults who went without care because of cost in the previous year: 51st ranking (19 percent in Mississippi, compared to the U.S. average of 13 percent)
- Individuals under age 65 with high out-of-pocket costs relative to annual household income: 45th ranking (18 percent, compared to the U.S. average of 14 percent)
- At-risk adults who did not have a routine doctor visit in the previous two years: 19th ranking (12 percent in Mississippi, compared to U.S. average of 13 percent)
- Adults that did not visit a dentist in the previous year: 48th ranking (20 percent, compared to U.S. average of 16 percent)
- Adults with age- and gender-appropriate cancer screenings: 40th ranking (64 percent in Mississippi, compared to the U.S. average of 68 percent)
- Hospitalized people who said the hospital staff managed pain well, were responsive to calls for help and who explained medications and their side effects: 10th ranking (70 percent, compared to U.S. average of 68 percent)
- Breast cancer deaths per 100,000 females: 48th ranking (23.8 in Mississippi, compared to U.S. average of 20.6)
- Colorectal cancer deaths per 100,000 people: 51st ranking (19.3 percent, compared to the U.S. average of 14.3 percent)
- Suicide deaths per 100,000: 12th ranking (12.5 percent in Mississippi, compared to U.S. average of 13 percent)
- Adults who report fair or poor health or activity limitations: 46th ranking (31 percent, compared to the U.S. average of 26 percent)
- Adults who smoke: 43rd ranking (22 percent in Mississippi, compared to the U.S. average of 17 percent)
- Adults who are obese: 48th ranking (37 percent, compared to the U.S. average of 29 percent)
- Children (ages 10-17) who are overweight or obese: 50th ranking (40 percent in Mississippi, compared to the U.S. average of 31 percent)
- Percent of adults who have lost 6 or more teeth due to decay or disease: 50th ranking (19 percent, compared to U.S. average of 10 percent)
Mississippi’s ranking of 51st in the 2017 Commonwealth Fund Scorecard is the third year in a row that the state has maintained that ranking. However, there were a few areas in which Mississippi showed improvements and earned high ratings. The state had higher than national averages in these areas:
- Home health patients whose wounds improved or healed after an operation
- Home health patients who got better at walking or moving around
2017 Health Insurance Plans in Mississippi
In 2017, two carriers offer individual market health insurance plans on the federally-run exchange that operates in Mississippi:
In addition, the state operates One Mississippi, which is the SHOP exchange designed to assist small business owners find comprehensive health plans for their employees.
Pivot Health offers in Mississippi
- Short term health insurance
- Supplemental health insurance
Medicaid Enrollment in Mississippi
Mississippi is one of 19 states that have chosen not to expand Medicaid under the terms of the Affordable Care Act. A recent Kaiser Family Foundation study reported that there are approximately 103,000 Mississippians in the Medicaid “coverage gap.”
These residents have income too high to qualify for traditional Medicaid benefits, yet their income is too low to qualify for subsidies to help pay for insurance plans purchased on the exchange.
Your Health Care Coverage Choices
With a significantly higher rate of uninsured than in most states, Mississippi has many uninsured and underinsured residents who are looking for affordable health care coverage choices.
If you live in Mississippi and have no health insurance, Pivot Health’s short term health insurance provides you comprehensive medical benefits that may meet your benefit and budget needs.
If you are a Mississippi resident and have a high deductible health insurance plan, Pivot Health’s supplemental insurance can help you afford costly out-of-pocket expenses you often incur – such as deductibles, coinsurance, copayments and more – before your high deductible plan starts paying benefits.
Pivot Health: offering you choices and flexibility that pivot to meet your needs over time.