Medicare Plans
Switching Medicare Plans in Jackson, MS
Keeping the same Medicare plan year after year is still a choice you make. Networks, drug tiers and copays change every January, and a plan that fit you three years ago in Belhaven or Ridgeland may cost you more today.
Switching is usually simple once Medicare opens a window for you. Here's how to tell whether you can change plans now, and what to compare before you do.
- Learn whether you can change plans now
- Hold on to the doctors and drugs you count on
- A free review, and staying put is fine
- Help from a team that knows the Jackson area
Find out whether you can switch, and whether you should
Share your current plan, doctors and prescriptions. A licensed insurance agent works out which enrollment window you're in. You'll get a call during business hours with a clear answer, even if that answer is to keep the plan you have.
What to expect
Free review- A licensed agent calls you back during business hours, Mon-Fri, 8:30am-5:30pm CT
- Your doctors and prescriptions get checked before any plan is suggested
- No fee for our help, and your premium is the same either way
- No obligation to enroll, and no pressure if you'd rather stay put
Reviewed by the licensed insurance agents at Jackson Senior Insurance. Last reviewed: October 2026. Office hours: Mon-Fri, 8:30am-5:30pm CT.
Thanks, we have your request.
A licensed agent will call you during business hours, Mon-Fri, 8:30am-5:30pm CT. If you'd rather not wait, call 601-000-0000 now.
Eligibility
Which window fits your situation
| Window | Dates | What you can do |
|---|---|---|
| Annual Open Enrollment | Oct 15 to Dec 7 | Switch Advantage plans, switch Part D plans, or return to Original Medicare |
| Medicare Advantage Open Enrollment | Jan 1 to Mar 31 | Make one change if you're already in an Advantage plan |
| Special Enrollment Period | Triggered by an event | You move, lose job coverage, qualify for Extra Help, or your plan exits your county |
| Medigap guaranteed-issue right | Usually within 63 days of losing certain coverage | Buy certain Medigap plans with no health questions, like when an employer plan ends |
| Changing Medigap at other times | Any time | Try for a new plan or company, and expect health questions in most cases |
A short move can open a window
Even a short hop, like north Jackson to Flowood, may give you a Special Enrollment Period. It depends on whether the new address is outside your plan's service area. Tell us when you're moving and we'll look into it.
Reasons
Good reasons to take another look
- Your doctor or hospital dropped out of the plan's network
- One of your drugs jumped a tier or was dropped from the list
- Your Medigap premium rose once more
- Everyday care costs more than you planned for
- You now qualify for Extra Help or a Mississippi Medicare Cost Sharing program
- You retired, moved, or lost your job-based coverage
A switch isn't always right. Your current plan might still beat anything else we offer where you live around Jackson. In that case, staying is the smart choice, and we'll say so. A long working relationship matters more to us than one season's change.
Local networks
Switching plans around Jackson
Around here, most switching questions come back to hospitals. Advantage plans sold near Jackson don't all contract with the same groups. One might include UMMC and Baptist while another leans on St. Dominic and Merit Health, and those contracts can change at renewal. Plan choices also differ between Hinds, Madison and Rankin counties. If you're in cancer treatment, ask whether the plan includes your oncologist. If you're a veteran using the G.V. (Sonny) Montgomery VA Medical Center, weigh how your VA care and a new Medicare plan would work together first. Wondering whether we cover your town? Check our service areas.
Mississippi SHIP also gives free counseling on all plans sold in your county. Reach them at 844-822-4622.
Process
How a switch works
-
1
Gather what you have
Your plan card, your drug list and the names of the doctors you want to keep.
-
2
Look at a full year of costs
We add the premium, deductible, copays, network and drug tiers over a full twelve months.
-
3
Confirm your window
Before any application gets signed, we confirm you can switch and pin down when the new plan starts.
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4
Sign up, then we follow through
We send in the forms, watch for the approval, and check that the old plan stops right as the new one begins.
First time comparing plans? Our Medicare plans overview is a good place to begin. You can also size up Advantage vs. Medigap, or look over the common mistakes before making a change.
Questions
Questions about switching plans in Jackson
Can I change my Medicare plan any time I want?
My doctor left my plan's network. What can I do?
Does moving to another part of town open a window?
Can I switch Medigap companies in Mississippi?
Can I leave Medicare Advantage for a Medigap plan?
Is there a charge to see if I'm able to switch?
Before you switch
Annual Open Enrollment
The fall window when most people change plans.
Read moreMedicare Advantage
Look at the network and yearly cost cap first.
Read moreMedicare Supplement (Medigap)
How Mississippi treats people under 65, and when you'll face health questions.
Read morePart D Drug Plans
Review your drug list each fall, even when nothing else changes.
Read moreNot sure whether you can switch right now?
One short call tells you which window applies and whether a change would save you money.