7 Common Health Insurance Mistakes North Mississippi Residents Make

When it comes to health insurance in Tupelo, Saltillo, Pontotoc, and surrounding areas small mistakes can lead to big expenses. Here are the seven most common pitfalls and how to avoid them.

Mistake #1: Missing Open Enrollment Deadlines
Open enrollment happens once a year. Miss it, and you may be locked out of coverage until next year unless you qualify for a special enrollment period.

Mistake #2: Choosing the Wrong Network in Tupelo or Saltillo
Many residents assume all doctors are covered. In reality, not all plans include North Mississippi Medical Center or Saltillo family practices.

Mistake #3: Not Comparing Premiums vs. Deductibles
Some pick the lowest premium without realizing a high deductible means bigger bills later. Balance monthly costs with what you can afford out-of-pocket.

Mistake #4: Forgetting Prescription Coverage
Check if your medications are covered. Many Tupelo families face surprise costs at pharmacies because they skipped this step.

Mistake #5: Overlooking Preventive Care
Preventive visits are often free. Residents miss out on annual check-ups and screenings that can save money and lives.

Mistake #6: Not Using Local Help
Insurance agents in Tupelo and Saltillo provide free guidance — but many residents go it alone and end up overpaying.

Mistake #7: Canceling Coverage Too Soon
Life changes like job loss or relocation can leave gaps in coverage. Don’t cancel until you know your new plan is active.

Avoiding these mistakes will save Tupelo, Saltillo, and Pontotoc families money, stress, and frustration. If you’re unsure, reach out to a local health insurance professional before enrolling.