Medicare and Long-Term Care in Alabama: What Seniors Actually Need to Know in 2026

Updated November 2025 | Written by Tyler Dalton, Licensed Medicare Agent

Picture this: You’re 72, living in Auburn, and you’ve just been discharged from East Alabama Medical Center after hip surgery. Your doctor says you need help at home for a few months while you recover. You assume Medicare will cover it. After all, you’ve paid into the system your entire working life. Then you get the bill.

This scenario plays out every single day across Alabama. Seniors who thought they were covered discover too late that Medicare’s long-term care coverage has serious gaps. In this guide, we’ll walk you through exactly what Medicare covers for long-term care, what it doesn’t, and most importantly, how Alabama families can plan ahead and protect their life savings. No insurance jargon. No fine print runaround. Just honest answers from someone who helps Alabama seniors navigate these decisions every day.

What Is Long-Term Care?

Long-term care isn’t hospital stays or surgery. It’s ongoing help with daily living. When we talk about long-term care, we mean assistance with what healthcare professionals call Activities of Daily Living, or ADLs:

• Bathing and personal hygiene
• Dressing yourself
• Eating (not cooking, but the physical act of eating)
• Toileting and managing incontinence
• Transferring from bed to chair or standing up
• Walking or moving around your home

Some people need this help for a few weeks after surgery. Others need it for months or years due to chronic conditions like Parkinson’s, dementia, or severe arthritis.

Where Long-Term Care Happens

Long-term care can take place in several settings:

At Home: A home health aide comes to your house to help with daily tasks. This is what most people prefer, but it’s also expensive without coverage.

Assisted Living Facility: You live in a residential community with help available when you need it. You keep your independence but have support nearby.

Nursing Home: Round-the-clock care in a medical facility. This is for people who need constant supervision or skilled nursing care.

Adult Day Care: You attend a program during the day for activities, meals, and supervision, then return home at night.

According to Medicare.gov, most people will need some form of long-term care in their lifetime. The question isn’t if you’ll need it, but when and for how long.

The Medicare Reality: What’s Actually Covered

Here’s the hard truth that surprises most Alabama seniors: Medicare was designed for medical treatment, not daily care. Medicare covers the doctor who diagnoses your condition. It covers the hospital stay. It covers physical therapy to help you recover. But Medicare doesn’t cover someone to help you shower every day for the next five years. That’s the gap that catches families off guard.

Important Stat: According to the Department of Health and Human Services, 70% of people turning 65 will need some form of long-term care services. Yet only 7% have long-term care insurance.

What Medicare Part A Covers for Skilled Nursing

Medicare Part A will pay for skilled nursing facility care, but only under very specific circumstances.

You must meet ALL these requirements:

• Hospital Stay Required: You spent at least three consecutive days as an admitted hospital inpatient (observation status doesn’t count)
• Timing Matters: You enter a Medicare-approved skilled nursing facility within 30 days of leaving the hospital
• Medical Necessity: A doctor orders daily skilled care like physical therapy, IV medications, or complex wound care (not just help bathing or dressing)

If you qualify, here’s the payment breakdown:

• Days 1-20: Medicare pays 100% of covered costs
• Days 21-100: You pay $204 per day coinsurance (2025 rate)
• After Day 100: You pay everything

That’s the limit. Maximum 100 days per benefit period. And this only applies to skilled nursing care following a qualifying hospital stay.

What Medicare Absolutely Doesn’t Cover

This list surprises almost everyone I talk to here in Alabama:

Medicare does NOT cover:

• Long-term stays in nursing homes (beyond the 100-day limit)
• Custodial care or personal care (help with bathing, dressing, eating, toileting)
• Assisted living facilities
• Memory care units
• Adult day care centers
• Non-medical home health aides
• 24-hour care at home
• Help with housekeeping, cooking, or shopping

In other words, the daily help that most seniors actually need isn’t covered by Medicare.

Long-Term Care Costs in Alabama (2025)

Alabama is more affordable than many states, but long-term care is still expensive relative to what most seniors have saved. Here are the current costs across Alabama:

Type of Care	Average Monthly Cost	Annual Cost
Private Nursing Home Room	$7,850	$94,200
Semi-Private Nursing Home Room	$6,940	$83,280
Assisted Living Facility	$3,750	$45,000
Home Health Aide (44 hrs/week)	$4,576	$54,912
Adult Day Care	$1,430	$17,160

Compare these costs to the average Social Security benefit in Alabama of $1,780 per month, and you can see the math doesn’t add up without additional planning.

Alabama Medicaid: The Safety Net with Strict Rules

When you run out of money paying for care, Alabama Medicaid becomes your safety net. But qualifying requires meeting strict financial limits.

2025 Alabama Medicaid Eligibility for Nursing Home Care:

• Income Limit: $2,829 per month
• Asset Limit: $2,000 for a single person
• Must meet medical necessity requirements

Your home, one vehicle, personal belongings, and burial plots don’t count toward the asset limit. But savings accounts, investments, second homes, and additional vehicles do. This is where many families panic. They think they need to give everything away to qualify. Bad idea. Alabama has a five-year lookback period.

The Five-Year Lookback Rule

Alabama Medicaid reviews your financial transactions for the previous 60 months. If you transferred assets or sold them for less than fair market value during this time, you could face a penalty period where Medicaid won’t pay for your care.

Common mistakes I see families make:

• Transferring their house to their kids
• Giving large cash gifts to grandchildren
• Selling assets to family members for $1

These moves can disqualify you from Medicaid benefits when you need them most. They can also create tax complications and family disputes down the road. Better approach: Work with an elder law attorney who understands Alabama Medicaid rules before making any asset transfers.

Spousal Protections in Alabama

If you’re married and one spouse needs nursing home care, Alabama has spousal impoverishment protections to prevent the healthy spouse from losing everything.

2025 Community Spouse Protections:

• Can keep up to $154,140 in assets
• Can keep up to $3,853.50 per month in income
• Can keep the family home

These protections help, but proper planning can preserve even more assets for the healthy spouse.

Dalton Insurance Agency proudly serves Medicare beneficiaries throughout Southeast Alabama, including Auburn, Dadeville, Alexander City, Troy, and Opelika. We understand the specific challenges Alabama seniors face, from rural healthcare access to navigating state-specific Medicaid rules.

Real Numbers: What an Alabama Family Actually Pays

Let’s look at a real scenario to understand the financial impact.

Meet Sarah from Mobile. Sarah is 78 and recently had a stroke. She needs help with daily activities and can’t safely live alone anymore. Her income includes $1,850 from Social Security and a $600 monthly pension, totaling $2,450 per month.

Option 1: Semi-Private Nursing Home Room

• Monthly Cost: $6,940
• Sarah’s Income: $2,450
• Monthly Shortfall: $4,490
• Annual Out-of-Pocket: $53,880

If Sarah lives another 10 years in the nursing home, the total cost after her income would be $538,800.

Option 2: Assisted Living Facility

• Monthly Cost: $3,750
• Sarah’s Income: $2,450
• Monthly Shortfall: $1,300
• Annual Out-of-Pocket: $15,600

Over 10 years, assisted living would cost $156,000 after applying Sarah’s income.

Option 3: Home Care (20 hours per week)

• Monthly Cost: $4,576
• Sarah’s Income: $2,450
• Monthly Shortfall: $2,126
• Annual Out-of-Pocket: $25,512

Over 10 years, home care would require $255,120 beyond Sarah’s monthly income. The reality: in every scenario, Sarah needs substantial additional funds. Without planning ahead, her family would either need to pay these costs or spend down her assets to qualify for Medicaid. This is why planning matters. The earlier you plan, the more options you have.

Your Protection Options Beyond Medicare

Since Medicare won’t cover most long-term care costs, Alabama families need alternative strategies.

1. Long-Term Care Insurance

This specialized insurance covers what Medicare doesn’t: daily custodial care over extended periods.

What It Covers:

• Home health care
• Assisted living facilities
• Nursing home care
• Adult day care
• Respite care for family caregivers

The Pros:

• Protects your savings and assets
• Gives you choice in care location and providers
• Can include inflation protection
• Preserves inheritance for your children

The Cons:

• Premiums are significant and can increase
• If you develop health issues, you may not qualify
• If you never need care, you’ve paid premiums without using the benefit
• Some policies have benefit limits or elimination periods

2025 Premium Estimates:

• 55-year-old couple: $3,000 to $4,500 annually
• 65-year-old couple: $5,000 to $7,500 annually

The ideal time to purchase is between ages 50 and 65, when premiums are more affordable and you’re likely to qualify.

2. Hybrid Life Insurance with Long-Term Care Riders

These policies combine life insurance with long-term care benefits. You’re not losing money if you never need care because your beneficiaries receive a death benefit.

How It Works:

• Pay a single premium or regular premiums
• Access the death benefit early if you need long-term care
• Remaining balance goes to your beneficiaries

This option costs more than traditional long-term care insurance but offers more flexibility and guarantees.

3. Alabama Long-Term Care Partnership Program

Here’s something many Alabama seniors don’t know exists. Alabama participates in the Long-Term Care Partnership Program. If you purchase a qualified Partnership policy, you get special Medicaid asset protection.

Partnership Program Benefits: Let’s say your Partnership policy pays out $200,000 in long-term care benefits over several years. When you eventually need Medicaid, you can keep an additional $200,000 in assets (beyond the normal $2,000 limit) and still qualify for benefits. Regular long-term care insurance doesn’t provide this protection. Partnership policies do.

Important: Not every long-term care policy qualifies. You must specifically ask for a Partnership-approved policy.

4. Veterans Aid and Attendance Benefits

If you or your spouse served during wartime, you might qualify for Aid and Attendance benefits through the VA.

2025 Maximum Monthly Benefits:

• Married veteran: $2,431
• Single veteran: $1,936
• Surviving spouse: $1,244

This benefit can make the difference between affording home care or having to enter a facility. Many Alabama veterans don’t know about this benefit. Contact the Alabama Department of Veterans Affairs or call 334-242-5077 to learn if you qualify.

5. Self-Funding Strategy

Some families choose to save and invest aggressively, planning to pay for care out of pocket.

The Reality: This only works if you have substantial assets, typically over $500,000 in liquid savings. Even then, you’re gambling that you won’t need extensive care that could deplete your savings in just a few years. For most Alabama families, this strategy is too risky.

7 Steps to Protect Yourself: Smart Planning Strategies

Here’s how to approach long-term care planning the right way.

Step 1: Start the Conversation Now

Don’t wait for a health crisis to discuss long-term care with your family.

Talk about:

• What kind of care would you prefer if needed?
• Where would you want to receive care (home, facility, etc.)?
• Who would make decisions if you couldn’t?
• How would care be paid for?

Yes, it’s uncomfortable. But it’s far more uncomfortable to have these conversations in a hospital room under pressure.

Step 2: Get Your Legal Documents in Order

These four documents are non-negotiable:

Durable Power of Attorney: Names someone to manage your finances if you become incapacitated. Without this, your family may need to go to court to access your accounts.

Healthcare Power of Attorney: Designates someone to make medical decisions on your behalf if you can’t communicate.

Living Will: Documents your wishes for end-of-life care and life-sustaining treatment.

Will or Trust: Ensures your assets are distributed according to your wishes and can help protect assets from long-term care costs.

These documents cost a fraction of what your family will lose without them. Work with an Alabama elder law attorney to set them up properly.

Step 3: Review Your Medicare Coverage Annually

Medicare changes every year. New plans emerge. Costs shift. Benefits are added or removed.

Annual Medicare Review Checklist:

• Compare your current plan to new options
• Check if your doctors and medications are still covered
• Calculate total out-of-pocket costs for next year
• Consider Medicare Supplement or Medicare Advantage changes

Step 4: Evaluate Long-Term Care Insurance While You’re Healthy

The best time to buy long-term care insurance is before you need it.

Ideal buyer profile:

• Ages 50-65
• In good health
• Have assets worth protecting (over $100,000)
• Want to preserve inheritance for children
• Prefer staying at home if care is needed

Step 5: Understand Medicaid Planning (But Don’t DIY)

If long-term care insurance isn’t affordable or you don’t qualify, Medicaid planning becomes important.

What NOT to do:

• Transfer your house to your kids without professional advice
• Give away large sums of money to “spend down” assets
• Assume you need to be broke to qualify

What TO do:

• Consult an Alabama elder law attorney BEFORE making any asset transfers
• Learn about Medicaid-compliant annuities
• Understand spousal protections
• Create a plan that protects your spouse’s financial security

Alabama’s Medicaid rules are complex. One wrong move can create a penalty period that leaves you paying for care out of pocket for months or years.

Step 6: Consider Life Insurance as a Safety Net

Even a modest whole life insurance policy can help with long-term care costs.

How it helps:

• Death benefit can reimburse family members who paid for your care
• Some policies allow you to access the death benefit early for long-term care
• Provides inheritance you thought would be lost to medical bills

If you’re healthy enough to qualify, a $50,000 to $100,000 permanent life insurance policy can provide peace of mind at a reasonable premium.

Step 7: Document Everything and Update Regularly

Create a long-term care planning binder that includes:

• Insurance policies and account numbers
• Legal documents (POA, healthcare directives, will)
• List of medications and medical conditions
• Contact information for your doctors
• Names and numbers for your financial advisor, attorney, and insurance agent
• Your wishes for care preferences

Update this annually and make sure a trusted family member knows where to find it. Pro Tip: Store important documents in a fireproof safe or safety deposit box, but keep copies at home where family can access them quickly.

Common Mistakes Alabama Families Make

Avoid these costly errors when planning for long-term care.

Mistake #1: Waiting Too Long to Plan

The best time to plan for long-term care was 20 years ago. The second best time is today. Waiting until you need care means:

• Fewer insurance options (or none at all)
• Higher premiums if you can get coverage
• Limited time to reorganize assets
• More stress during an already difficult time

Don’t put this off until it’s too late.

Mistake #2: Assuming Your Kids Will Provide Care

Maybe your children will help care for you. Many do. But full-time caregiving is physically exhausting, emotionally draining, and financially devastating.

The reality of family caregiving:

• Most adult children work full-time jobs
• They have their own families and responsibilities
• Home modifications and medical equipment cost money
• Caregiver burnout is real and can harm relationships

Have an honest conversation with your family about expectations before assuming they’ll be your care plan.

Mistake #3: Ignoring the Impact on Your Spouse

When one spouse needs long-term care, the healthy spouse often suffers financially. Without proper planning, the community spouse can be left with:

• Minimal monthly income
• Limited assets
• An uncertain financial future

Alabama’s spousal impoverishment protections help, but they’re not enough on their own. Proper planning can preserve significantly more for the healthy spouse.

Mistake #4: Buying the Wrong Insurance

Not all long-term care policies are equal. Some have serious limitations:

Watch out for:

• Elimination periods that are too long (more than 90 days)
• Short benefit periods (less than 3 years)
• No inflation protection
• Policies that don’t cover home care
• Exclusions you didn’t understand when you bought it

Mistake #5: Believing “It Won’t Happen to Me”

The statistics tell a different story:

• 70% of people turning 65 will need some form of long-term care
• Women need care longer than men (average 3.7 years vs. 2.2 years)
• 20% of people will need care for more than five years
• 13% of people will incur more than $250,000 in long-term care costs

Hope for the best, but plan for reality.

Mistake #6: Transferring Assets Without Professional Guidance

This is the costliest mistake of all. What seems simple (putting your house in your daughter’s name) creates problems:

Consequences of improper transfers:

• Medicaid penalty periods that can last years
• Loss of property tax exemptions
• Capital gains taxes when your children sell
• Exposure to your children’s creditors, lawsuits, or divorce
• Family conflicts over ownership and control

Before you transfer anything, consult with an Alabama elder law attorney who specializes in Medicaid planning.

Alabama Long-Term Care Resources

You don’t have to navigate this alone. Here are trusted resources for Alabama seniors.

Government Programs and Assistance

Alabama Medicaid Agency: Phone: 334-242-5000. Website: medicaid.alabama.gov. Services: Medicaid eligibility, nursing home coverage, waiver programs.

Alabama Department of Senior Services: Phone: 877-425-2243. Website: alabamaageline.gov. Services: Area Agency on Aging referrals, senior resources, caregiver support.

State Health Insurance Assistance Program (SHIP): Phone: 877-425-2243. Services: Free Medicare counseling, plan comparisons, billing questions.

Alabama Department of Veterans Affairs: Phone: 334-242-5077. Website: va.alabama.gov. Services: Veterans benefits, Aid and Attendance applications.

Finding Qualified Professionals

Elder Law Attorneys: Look for attorneys who specialize in Medicaid planning, estate planning, and long-term care. The National Academy of Elder Law Attorneys (NAELA) provides referrals.

Financial Advisors: Seek certified financial planners (CFP) who understand Medicare, Medicaid, and long-term care insurance planning.

Medicare Insurance Agents: Work with independent agents who represent multiple carriers and can provide unbiased comparisons.

Evaluating Care Facilities

Medicare Care Compare Tool: Website: medicare.gov/care-compare. Use this free tool to research and compare nursing homes, home health agencies, hospice providers, and inpatient rehabilitation facilities.

Alabama Department of Public Health: Provides inspection reports for nursing homes and assisted living facilities. Website: alabamapublichealth.gov.

Local Area Agencies on Aging

These agencies provide community-based services and can help coordinate care:

East Alabama Regional Planning & Development Commission: Serves Lee, Macon, Russell, Tallapoosa counties. Phone: 334-749-5264.

Central Alabama Aging Consortium: Serves Autauga, Elmore, Montgomery counties. Phone: 334-240-4670.

South Central Alabama Development Commission: Serves Butler, Crenshaw, Lowndes, Pike counties. Phone: 334-566-4200.

A Client Story: How Planning Made All the Difference

Let me share a story about a couple I worked with here in Auburn. James and Carol came to see me when James was 63. He’d just been diagnosed with early-stage Parkinson’s disease. They knew long-term care was in their future, but they didn’t know where to start. We sat down and looked at their situation:

• Combined Social Security would be about $3,200 monthly
• They had $180,000 in savings
• They owned their home outright
• No existing long-term care coverage

If James eventually needed nursing home care at $6,940 per month, their savings would be gone in less than three years. Then Carol would face spending down almost everything to qualify for Medicaid.

Here’s what we did:

• Purchased a Partnership long-term care policy with a $250,000 benefit pool
• Set up their estate planning documents with a local attorney
• Named their daughter as healthcare power of attorney
• Created a plan to protect Carol’s financial security

Five years later, James needs more help at home. The long-term care policy is paying for home health aides four days a week. Carol can stay in their home. Their savings are intact. And when Medicaid eventually becomes necessary, that $250,000 policy payout will protect an equal amount of their assets. The lesson: Planning ahead gave them options and peace of mind. Waiting would have left them scrambling.

The Bottom Line

Medicare is not a long-term care plan. It never was designed to be. If you’re in Alabama and approaching retirement, you need to understand this reality and plan accordingly. The earlier you start, the more choices you have and the less expensive those choices will be.

Three things to do this week:

1. Have the conversation with your spouse and adult children about long-term care preferences and expectations
2. Review your current coverage to understand the gaps in your Medicare plan
3. Talk to a professional who can help you create a plan that fits your situation

Planning for long-term care costs money. But ignoring it costs far more. Most people spend more time planning a vacation than planning for what could be years of care. Don’t be most people.

Frequently Asked Questions About Medicare and Long-Term Care

Does Medicare cover any home health care at all?

Yes, but only skilled care ordered by a doctor and provided by a Medicare-approved agency. This includes services like nursing care (wound care, injections, IV therapy), physical therapy, occupational therapy, and speech therapy.

Medicare does NOT cover custodial care or personal care services like help with bathing, dressing, or meal preparation unless you’re also receiving skilled care services. Coverage is also limited in duration and requires medical necessity.

Can I keep my house and still qualify for Alabama Medicaid?

Generally yes. Your primary residence is an exempt asset as long as you live in it or intend to return to it. However, there are important considerations:

• Alabama may place a lien on the home to recover costs after your death
• Your home equity cannot exceed $713,000 (2025 limit)
• If you’re permanently in a nursing home with no spouse at home, the state may eventually require you to sell

Talk to an elder law attorney about strategies to protect your home while still qualifying for benefits.

What if I already gave away my house to my children?

If you transferred your house within the last five years, it could trigger a Medicaid penalty period. The length of the penalty depends on the value of what you gave away.

Your options:

• Talk to an Alabama elder law attorney immediately
• Your children could potentially transfer the house back to you
• You might need to pay privately for care during the penalty period
• Explore other planning strategies to minimize the damage

Don’t try to fix this on your own. The rules are complex and mistakes can make things worse.

Is it too late to get long-term care insurance at age 70?

Not necessarily, but it becomes more challenging. At 70:

• Premiums are significantly higher
• You must pass health underwriting (many people don’t qualify)
• Pre-existing conditions may be excluded
• Traditional policies may not be available

Better options at age 70:

• Hybrid life insurance with long-term care riders
• Short-term care insurance (covers 1-2 years)
• Asset-based long-term care (single premium)

How do I know if a nursing home accepts Medicare or Medicaid?

Check three ways:

• Medicare’s Care Compare tool at medicare.gov/care-compare
• Call the facility directly and ask which types of insurance they accept
• Check the facility’s website where they should list accepted payment types

Keep in mind that accepting Medicare (for short-term skilled care) is different from accepting Medicaid (for long-term custodial care). Make sure you ask about the specific type of coverage you need.

What’s the difference between Medicare Advantage and Original Medicare for long-term care?

Both Medicare Advantage and Original Medicare follow the same rules for skilled nursing facility coverage: same 3-day hospital stay requirement, same 100-day maximum, same skilled care requirements.

Some Medicare Advantage plans offer extra benefits like limited home care services, meal delivery after hospital discharge, over-the-counter allowances, and transportation assistance.

However, neither Medicare Advantage nor Original Medicare covers custodial long-term care. The type of Medicare you have doesn’t change this fundamental limitation.

Should I buy long-term care insurance or just save money?

It depends on your financial situation and risk tolerance.

Long-term care insurance makes sense if you have assets over $100,000 but under $2 million, want to preserve inheritance for children, prefer staying at home if care is needed, and are healthy and between ages 50-65.

Self-funding might work if you have substantial liquid assets (over $500,000), can afford to potentially spend $100,000+ per year on care, and are comfortable with the risk of depleting your savings.

For most Alabama families, some form of long-term care insurance provides the best balance of protection and affordability.

Do Medicare Supplement plans help with long-term care costs?

No. Medigap (Medicare Supplement) plans only cover your share of Medicare-approved expenses. They fill the gaps in Original Medicare like Part A deductibles and coinsurance, Part B coinsurance and deductibles, and foreign travel emergency care.

Medigap plans do NOT extend Medicare coverage to services that Medicare doesn’t cover at all, including custodial long-term care. However, having a good Medigap plan can help protect you financially when you need skilled nursing care during those first 100 days.

What’s the Alabama Long-Term Care Partnership Program?

The Partnership Program is a special program that connects long-term care insurance with Medicaid planning.

How it works:

• You purchase a Partnership-qualified long-term care insurance policy
• The policy pays benefits for your care (example: $200,000 over several years)
• When you eventually need Medicaid, you can keep assets equal to what the policy paid out
• This is IN ADDITION to the normal $2,000 asset limit

Example: Your Partnership policy paid $200,000. You can now keep $202,000 in assets and still qualify for Alabama Medicaid. Not all long-term care policies are Partnership-qualified. You must specifically purchase a Partnership policy to get this protection.

Can Veterans benefits help pay for long-term care?

Yes. The VA Aid and Attendance benefit can significantly help with long-term care costs.

2025 Maximum Monthly Benefits:

• Married veteran: $2,431
• Single veteran: $1,936
• Surviving spouse: $1,244

Eligibility requirements: served during wartime (doesn’t require combat), need help with daily activities, meet income and asset limits, and have a medical condition requiring assistance.

Many Alabama veterans don’t know about this benefit. Contact the Alabama Department of Veterans Affairs at 334-242-5077 or work with a VA-accredited claims agent.

What happens to my spouse if I need nursing home care?

Alabama has spousal impoverishment protections to prevent the healthy spouse from losing everything.

2025 Community Spouse Protections:

• Keep up to $154,140 in assets
• Keep up to $3,853.50 per month in income
• Keep the family home
• Keep one vehicle

Your spouse won’t be left destitute, but these protections often aren’t enough to maintain your previous lifestyle. Proper planning before a crisis can protect significantly more assets for the community spouse.

Important Disclaimers

This article is for educational and informational purposes only. It is not intended as legal, financial, or medical advice. Long-term care planning is complex and individual circumstances vary significantly.

Medicare rules, Medicaid eligibility requirements, and long-term care costs change regularly. While we strive for accuracy, always verify current requirements and benefits with official sources or qualified professionals.

Dalton Insurance Agency is an independent insurance agency licensed to sell Medicare products in Alabama, Georgia, Florida, and Mississippi. We are not connected with or endorsed by the U.S. government or federal Medicare program.

For official Medicare information, visit Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). TTY users: 1-877-486-2048.

Last Updated: November 1, 2025