top of page
First Aid Kit
STATE HEALTH INSURANCE PLAN

Notice: The Mississippi Schools for the Deaf and the Blind offer all eligible employees health insurance through the Mississippi State Health Insurance Plan. During the annual open enrollment, employees have the opportunity to review all available options and make elections for the 2022 Plan Year.

​

Plan Rules:

  • Coverage through BlueCross BlueShield of Mississippi 

  • Plan Year is January 1 - December 31

  • Please visit the Mississippi Health Insurance website for plan eligibility rules

  • All qualifying life events must be submitted through the Mississippi Schools for the Deaf and the Blind benefits department

  • It is important to review plan options and coverage each year

bcbsmslogoside (1).jpg

Contact Info:

  • State Health Insurance Plan / SHIP

  • BCBS of Mississippi​

    • 1-800-709-7881​

  • Pharmacy Benefits​​ - Prime​

    • 1-855-457-0408​

  • Minnesota Life Insurance​

    • 1-888-658-0193​

Frequently Asked Questions

​

1. How do I know what type of coverage I have now?

- If you are not sure what type coverage you currently have, you can call Blue Cross & Blue Shield of Mississippi (BCBSMS) at 800.709.7881, or the Office of Insurance at 601.359.3411 or toll-free 866.586.2781.

2. How does each type of coverage work?

- Under Select Coverage, there is a separate deductible (individual and family) for medical expenses and a separate individual deductible for prescription drugs. Once the appropriate medical deductible is met, you will start paying 20 percent of the allowable charge for covered medical services. Regardless of whether or not you have met your medical deductible, you will have to meet the $75 individual prescription drug deductible before you start paying a co-payment for a covered drug. Under Select Coverage, there is no prescription drug copayment maximum, so you will continue to pay the co-payment for your drug each time you have it filled for the remainder of the year.

- Under Base Coverage, you will have to meet the full deductible ($1,800 for individual coverage, $3,000 for family coverage) before any covered medical or prescription drug charges will be paid by the Plan. This means that you will pay the full allowable charge for both medical and prescription drugs until the deductible is met. Once the deductible is met, you will start paying 20 percent of the allowable charge for covered medical services and a copayment for covered drugs. There is a $75 preventive medications individual deductible. Other medications are subject to the calendar year deductible. Once your coinsurance/co-payment maximum is met, the Plan will pay 100 percent of the allowable charge for both covered prescription drugs and medical services.

3. What are some of the main differences in Base and Select Coverage?

- The premium rates differ for Base and Select Coverage. Another difference between Base and Select Coverage is how the deductibles work. Under Base Coverage, all charges (medical and prescription drug) apply to the calendar year deductible. Under Select Coverage, there is a separate deductible for medical charges and a separate deductible for prescription drug charges.

bottom of page