Nursing Homes in Mississippi
Mississippi is home to 2.9 million residents, including 500,000 senior citizens, and nearly one-third of the population is aged 50 or older. As more people find a home in Mississippi, more residents will require support from nursing homes and other long-term care providers. Many people receive skilled nursing as they transition from hospitals or recover from surgeries. However, some individuals live in nursing homes for years.
Nursing homes use a team of nurses and certified nursing assistants to deliver 24-hour skilled care similar to what a hospital provides. These facilities are suitable for individuals who have multiple medical conditions or cannot live in a residential setting without extra help. Mississippi has just over 200 nursing homes, and nearly 16,000 individuals live in these facilities. Due to the level of care provided, nursing homes charge $7,057 to $7,148 per month for a semiprivate or private room. Average Mississippi rates are lower than the U.S. median, and many people receive help from Medicaid and other sources.
Families who want to learn more about their options will find information about the average cost of long-term care in this guide. It also includes details about financial assistance programs and local resources to help you take the next step.
The Cost of Nursing Home Care in Mississippi
In 2020, Mississippi nursing homes charged $700 less the U.S. median, according to Genworth Financial’s 2020 Cost of Care Survey. Skilled nursing in the state costs $7,057 per month, which is similar to nearby Tennessee. In Alabama, monthly rates are approximately $520 lower at $6,540. West of the Mississippi, skilled nursing facilities are even more affordable. Seniors in Arkansas pay $5,931, about $1,125 less per month, and Louisiana residents pay just $5,536, which represents a monthly saving of $1,520 compared to Mississippi and $2,220 when compared to the national average of $7,756.
The United States
Average nursing home prices in Mississippi vary by a relatively small margin of just $1,200 per month, and rates in all major cities are moderately lower than the U.S. median. Seniors in Meridian, affiliated with the Tuscaloosa metropolitan area, enjoy the lowest average rates at $6,235 per month. Prices are approximately $500 more affordable than the state average in Tupelo and $669 lower than average in Jackson, the state’s capital and largest city. Nursing home prices are $250 higher than the state median in Olive Branch near the Tennessee line. Rates are also higher than average in Hattiesburg and Gulfport, where seniors pay $7,376 and $7,499 per month, respectively.
Skilled nursing is the most expensive form of long-term care in Mississippi, with an average cost of over $7,000 a month. This option is suitable for individuals with complex medical needs and requires a high level of around-the-clock support. Seniors who need occasional help with specific essential tasks and daily activities may be good candidates for assisted living, which costs approximately $3,700 per month, or in-home care, costing about $3,430 to $3,530 per month. Adult day health programs are another option. They provide limited care in a group setting at the cost of $1,354 per month. Fortunately, the average price of all services is lower than the U.S. average.
Home Health Care
Adult Day Care
Assisted Living Facility
Nursing Home Care
Does Medicaid Cover Nursing Home Care in Mississippi?
More than 714,000 people in Mississippi are enrolled in Medicaid, which covers various types of long-term care, including nursing home care, for eligible individuals in the state. Nursing home care coverage includes room and board, as well as additional services provided by the long-term care facility’s team. Medicaid also covers office visits, inpatient and outpatient hospital care, and prescription drugs. As a result, this program offers both long-term care and health care that income-eligible seniors in Mississippi may need.
Mississippi is home to more than 200 nursing homes, and they all accept Medicaid. These facilities provide around-the-clock care, including medical care, for seniors. The Mississippi Office of Long-Term Care oversees the Elderly and Disabled Waiver Program, which provides home-based and community resources to Medicaid-eligible seniors who would otherwise require long-term care. This program can provide necessary skilled nursing care to seniors who would prefer to live at home.
Medicaid Eligibility in Mississippi
In order to qualify for Medicaid in Mississippi, individuals must meet a number of eligibility requirements, including meeting income limits established by the state. In a one-person household or two-person household with only one person applying for Medicaid, the applicant must earn an income no greater than $30,276 per year and have no more than $4,000 in assets. In a two-person household with both individuals applying for Medicaid, the maximum monthly income is $60,552 with a $8,000 asset limit. The Spousal Impoverishment Act ensures that the spouse who is not Medicaid-eligible does not lose their assets. This act gives the spouse an asset limit of $137,400.
2022 Medicaid Income Limits for Seniors in Mississippi
(Only One Person applying)
$4,000 for applicant
$137,400 for non-applicant
(Both People Applying)
* Per month
Additionally, individuals must meet other non-financial eligibility requirements to participate in Mississippi’s Medicaid program. Eligible applicants must:
- Be a resident of the United States
- Be a resident of Mississippi
- Be a legal immigrant
- Meet one of the following criteria: age 65 or older, responsible for a child under age 18, blind, or have a disability or a family member with a disability
How to Apply for Medicaid in Mississippi
Seniors have several ways to apply for Medicaid in Mississippi. Those with Internet access can apply online through the state’s ACCESS MS web portal. They can also choose to apply in person at one of 30 regional offices serving counties throughout the state. Applications can also be printed, completed and faxed to the Division of Medicaid at (601) 576-4164 or mailed to 550 East High Street, Suite 1000, Jackson, MS, 39201. To request an application by mail or have any questions answered, contact the Office of Eligibility at (800) 421-2408.
Information You Will Need
- Social Security number
- Document number (if a legal immigrant)
- Date of birth
- Recent pay stubs or W-2 to verify income
- Current health insurance policy numbers
- Job-related health insurance information if applicable
Additional Medicaid Support and Resources in Mississippi
The following list includes helpful resources for individuals in Mississippi interested in learning more about Medicaid and long-term care. These resources can provide support, answer questions and help you determine if a loved one is eligible for Medicaid.
The Mississippi Division of Medicaid oversees the state's Medicaid program and ensures that eligible individuals can access quality health care. Contact this organization to learn more about available programs and determine eligibility for your loved one.
The Central Mississippi Area Agency on Aging serves seniors aged 60 and older. This organization oversees the Information, Assistance and Referral Program that helps seniors and their families assess their care needs and find the right solution for these needs. Mississippi has 10 Area Agencies on Aging for every region.
The American Council on Aging helps families determine their loved one's Medicaid eligibility before applying. The organization's website includes helpful resources like state-specific Medicaid information, FAQs on Medicaid and long-term care, and detailed explanations on financial eligibility based on income and assets.
Does Medicare Cover Nursing Home Care in Mississippi?
Medicare provides limited coverage for short-term stays in a skilled nursing facility following a hospital stay, but seniors must meet a number of specific requirements. This benefit is available to beneficiaries who have been hospitalized for at least three days, excluding the date of discharge, so it’s most valuable for those who are recovering from an injury, illness or surgery.
Once seniors meet the hospitalization requirement, Medicare will pay for up to 100 days of skilled nursing per benefit period. The first 20 days are covered in full. Starting on day 21, beneficiaries must pay a daily coinsurance rate. After day 100, seniors are responsible for the entire cost.
What Does Medicare Cover?
Medicare covers a number of specific services, including:
- A semiprivate room
- Skilled nursing
- Physical therapy
- Occupational therapy
- Speech therapy
- Audiologist care
- Medical supplies
- Medical social services
- Nutritional counseling
- Ambulance transportation
What Isn’t Covered by Medicare?
Medicare does not cover long-term custodial care that addresses seniors’ day-to-day needs. This includes help with daily activities, such as bathing, dressing and using medical equipment.
For more information about Medicare and when it covers Nursing Home Care, read our Guide to Nursing Homes.
While Medicare won’t cover the costs of nursing home care in the long term, it can help families initially as they transition their loved one into around-the-clock care. Access these resources to help you navigate the process of finding long-term care, get your questions answered and ensure that you’re comfortable with the care being provided to the senior in your life.
Mississippi's State Health Insurance Program is administered by volunteers at the state's 10 Area Agencies on Aging. Volunteers help seniors and their families compare policies, organize paperwork, and manage claims and appeals. They can also answer any insurance questions the family may have. To contact this organization, reach out to the local Agency on Aging in your area.
Families just beginning their search for insurance options for seniors over age 65 can start at the Mississippi Insurance Department. This state-run department offers a wealth of information about health insurance options, including types of insurance, disclosure requirements and ways to purchase health insurance.
Medicare.gov is a federal website that serves as a valuable resource for all information about Medicare. You can learn about Medicare, evaluate its costs, and find health and drug plans for you. You can even live chat or call a representative to get all of your questions answered.
Other Financial Assistance Options for Nursing Home Care in Mississippi
While Medicaid and Medicare are two of the most common programs used to pay for Nursing Home Care, there are other financial assistance options available, depending on your unique situation.
Aid and Attendance
Learn more and apply online at va.gov.
Veterans who receive a VA pension may also be eligible for the Aid and Attendance benefit, a monthly cash allowance that veterans receive in addition to their standard pension amount. The benefit is intended for veterans in need of long-term care services and may be used towards paying for skilled nursing care.
Learn more about your options and how to apply at ftc.gov
If you own a home, you may be able to use a reverse mortgage to help pay for nursing care. Reverse mortgages are loans that one can take out against the value of their home, essentially converting some of the home's equity into cash. Reverse mortgage loans do need to be repaid with interest, typically within 12 months of receiving the loan.
Long-Term Care (LTC) Insurance
Learn more about Long-Term Care Insurance and how to apply for a policy at acl.gov.
Seniors who already have long-term care insurance may be able to use it to pay for skilled nursing care. Most policies cover at least a portion of the cost, but it depends on the specific policy terms. Note that older adults who are already in need of skilled nursing care will not typically be eligible to sign up for a LTC insurance policy.
Free and Low-Cost Resources for Seniors in Mississippi
Through government-run organizations, nonprofits and faith-based groups, Mississippi has ample resources for seniors. If you’re looking for support as you search for long-term care for a senior in Mississippi, consider reaching out to these organizations that can provide the information and support you need.
North Mississippi Rural Legal Services runs the Elder Law Project, which is designed to provide free legal support to seniors throughout the state. The organization works in partnership with the state's Area Agencies on Aging. Services include representing seniors in civil legal matters, distributing information about estate planning and advising seniors on their health insurance options.
A division of the National Care Planning Council, the Mississippi Care Planning Council offers a variety of eldercare services for seniors. The organization's website is a comprehensive resource on a variety of senior care topics, including long-term care facilities, disability transportation, estate planning and geriatric health care.
The Mississippi Division of Adult and Aging Services provides advocacy, protection and education for seniors and their families. The organization oversees specialized services for seniors, runs a family caregiver support program and manages the state's 10 Area Agencies on Aging.
The state's long-term care ombudsman program focuses on protecting seniors living in long-term care facilities, including nursing homes. The organization investigates any complaints or concerns about care provided in one of these facilities, ensuring that seniors are protected in long-term care. The ombudsman program strives to advocate for seniors' rights while improving their quality of life.
COVID-19 Rules for Nursing Homes in Mississippi
The following information is based on research done on several government websites, including msdh.ms.gov. These rules apply to Independent Living Communities and other types of senior living facilities. We’ve most recently updated this data on 2/8/2022, but since COVID-19 is a rapidly evolving pandemic, contact your local senior living facility or Area Agency on Aging for more specific and up-to-date information.
Are loved ones allowed to visit to provide emotional support?
Are relatives allowed to visit for end-of-life care?
Are residents required to quarantine after visiting with a loved one?
Are visitors required to wear PPE (including masks) in order to visit residents?
Are non-medical contractors (such as hairdressers and entertainers) allowed in senior living facilities?
Are visitors checked for elevated temperatures?
Are visitors required to answer questions about health, travel, and potential virus contact?
Outings & Social Activities
Are residents allowed to leave (errands, visiting family, etc.) for non-medical reasons?
Are residents who leave required to quarantine when they return?
Are senior living communities required to cancel all group outings?
Are residents allowed to eat meals together in a common area?
Are residents allowed to gather in common areas for group activites?
COVID-19 Safety Measures for Staff and Residents
Are staff members regularly required to do a temperature check?
Are staff members regularly tested for COVID-19?
Are staff members members regularly required to do a health and safety screening, including questions about travel, contact with positive cases, etc?
Are residents regularly screened for COVID-19 symptoms?
Are residents regularly checked for elevated temperatures?
Are residents regularly tested for COVID-19?
Nursing Home Laws and Regulations in Mississippi
Nursing Homes Facilities in Mississippi (50)
- Amory, MS (2)
- Ashland, MS (2)
- Bay Saint Louis, MS (2)
- Belzoni, MS (2)
- Booneville, MS (2)
- Brandon, MS (2)
- Brookhaven, MS (4)
- Clarksdale, MS (2)
- Cleveland, MS (2)
- Clinton, MS (2)
- Collins, MS (2)
- Columbia, MS (3)
- Columbus, MS (5)
- Corinth, MS (3)
- Ellisville, MS (2)
- Eupora, MS (3)
- Fulton, MS (3)
- Greenville, MS (4)
- Greenwood, MS (4)
- Grenada, MS (3)
- Gulfport, MS (5)
- Hattiesburg, MS (6)
- Iuka, MS (2)
- Jackson, MS (10)
- Kosciusko, MS (2)
- Laurel, MS (3)
- Leakesville, MS (2)
- Louisville, MS (2)
- Lucedale, MS (2)
- Mccomb, MS (3)
- Meridian, MS (8)
- Natchez, MS (3)
- New Albany, MS (2)
- Ocean Springs, MS (2)
- Okolona, MS (2)
- Oxford, MS (2)
- Pascagoula, MS (2)
- Philadelphia, MS (2)
- Picayune, MS (2)
- Pontotoc, MS (2)
- Ripley, MS (3)
- Southaven, MS (2)
- Starkville, MS (2)
- Tupelo, MS (4)
- Tylertown, MS (2)
- Union, MS (2)
- Vicksburg, MS (4)
- West Point, MS (2)
- Wiggins, MS (2)
- Yazoo City, MS (2)