Choosing a Medicare Plan in Southaven, MS: What You Need to Know Before You Enroll

Arnett Evans
Jul 25
2 min read

Senior couple reviewing Medicare plan options with friends in Southaven, MS.

Making the Right Medicare Choice in Southaven, MS

If you're approaching age or already eligible for Medicare in Southaven, Missippi, this is the time to make one of the most important decisions for your health and financial well-being. Whether you're retiring soon or exploring plan options, understanding your choices is key to selecting the right coverage for your needs.

Why Medicare Decisions Matter More in Mississippi

Southaven sits in DeSoto County, one of Mississippi's fastest-growing areas for Medicare enrollment. With a mix of original Medicare, Medicare Advantage, and Medicare Supplement (Medigap) options, residents here have access to several national and local plan providers.

But with choices come questions:

Should I choose Original Medicare or Medicare Advantage?
Will my doctor in Southaven accept this plan?
What's covered and what's not?
How do premiums, co-pays, and out-of-pocket costs compare?

These are the kinds of questions Southaven residents are asking and we're here to answer them.

3 Key Factors to Consider When Choosing a Medicare Plan in Southaven

Network Coverage & Local Providers
Southaven is home to Baptist Memporial Hospital-DeSoto and other top medical providers. Make sure your plan includes access to these in-network options, especially if you're considering a Medicare Advantage plan.
Prescription Drug Coverage
Many Medicare Advantage and standalone Part D plans offer different formularies. Check to see if your prescriptions are covered and compare the costs.
Additional Benefits & Costs
Some Medicare Advantage plans offer dental, vision, hearing, gym memberships, or even over-the-counter (OTC) allowances. But don't be destracted by bells and whistles make sure you understand the total annual cost of care.

Local Insight: Popular Medicare Advantage Plans in ZIP Code 38671

Many Southaven residents choose plans offered by Aetna, Humana, and UnitedHealthcare, which are well-established in Mississippi and ofer competitive networks. In ZIP code 38637, several $0 premium Medicare Advantage plans are available but eachcomes with unique trade-offs in copays, referrals, and coverage rules.