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What Medigap Plans are in Arkansas? – When Can I apply?

Medicare beneficiaries interested in minimizing out-of-pocket costs may sign up for Medicare Supplement plans in Arkansas. Medigap policies are designed to work with Original Medicare, eliminating gaps that may otherwise make Medicare benefits expensive and difficult to manage. Medicare Supplement plans in Arkansas can simplify the federal Medicare program.

What is Medicare Supplement Insurance in Arkansas?

Medigap insurance works along with Original Medicare to cover out-of-pocket costs that aren’t included in Medicare Part A and Medicare Part B benefits. There are 10 standardized Medigap insurance plans, and each one covers some or all of the following expenses:

  • Medicare Part A deductible
  • Medicare Part A and Part B coinsurance
  • Hospice and skilled nursing care
  • Medicare Part B excess charges
  • Foreign travel emergency care
  • Medicare Part B deductible (Plan F only)

Each Medigap plan in Arkansas has a set benefits list created by the federal government. The plans are administered by private health insurance companies, but those companies cannot alter the basic benefits offered by each plan.

What are the top five Medicare Supplement plans in Arkansas for 2021?

Medicare beneficiaries should compare all of their Medigap plan options before enrolling in a Medicare Supplement insurance plan in Arkansas. The following five plans are the most popular in Arkansas today, but there isn’t a one-size-fits-all Medigap policy.

1. Best for Full Coverage: Plan F

Medicare Plan F maximizes Medicare coverage and is only available to Arkansas beneficiaries with Original Medicare effective dates prior to January 1, 2020. This plan covers the most out-of-pocket costs, including the Medicare Part B deductible.

2. Best Comprehensive Coverage: Plan G

Medicare Plan G benefits are identical to Plan F benefits with the exception of the Part B deductible. This is the most complete Medigap plan for Arkansas beneficiaries who enrolled in Medicare Part A and Medicare Part B on or after January 1, 2020.

3. Best Value: Plan N

Medicare Plan N offers lower monthly premiums in exchange for less extensive coverage. The out-of-pocket costs not covered by this plan include:

  • Part B deductible
  • Part B excess charges
  • Foreign travel emergency care

Beneficiaries must pay small copayments when visiting doctors and emergency rooms, so coinsurance is only covered partially.

4. Best Deductible Plan: High-Deductible Plan F

High-deductible Plan F offers the same benefits as the standard Plan F but with much lower monthly premiums. The catch is that beneficiaries must pay a high deductible in full before accessing those benefits. This plan is subject to the same eligibility restrictions as standard Plan F.

5. Best for Lowest Premiums: High-Deductible Plan G

High-deductible Plan G allows Arkansas beneficiaries to take full advantage of Plan G’s comprehensive benefits while paying a significantly lower monthly premium. Those benefits are fully accessible after the annual deductible is met out of pocket.

What is the best Medicare Supplement plan in Arkansas for 2021?

The best Medigap plan for Arkansas beneficiaries in 2021 is Plan G. It offers almost all of the health care benefits included in Plan F but without the eligibility restrictions. When beneficiaries compare this plan to all other options, many find it the best option for minimizing out-of-pocket expenses.

What is the average cost for a Medicare Supplement plan in Arkansas?

The cost of a Medigap plan in Arkansas depends on a variety of factors, including:

  • Age
  • Zip code
  • Smoking habits
  • Gender

The same plan may demand different rates in two different Arkansas zip codes. For illustration purposes, we pulled 2021 quotes for Plan F, G, and N premiums in zip code 71630 for a female, non-smoking beneficiary. The average for all quotes was $174 per month.

The same plan options and rates were available in zip code 71635, so pricing is similar in many areas of Arkansas. Keep in mind that some plans may still require beneficiaries to pay the Part B and Part A deductibles, coinsurance, copayments, excess charges, and other expenses out of pocket. Some may also need a separate prescription drug plan. Most beneficiaries secure a Medicare Part D plan in addition to their Supplement policy.

When can I apply for a Arkansas Medicare Supplement plan?

The Medicare Annual Election Period is only available for Part D and Advantage plans. Arkansas beneficiaries cannot enroll in a Medicare Supplement plan during that time.

Every beneficiary has a unique Medigap Open Enrollment Period that opens three months prior to their 65th birthday and closes at the end of the third month following that birthday month. During that six-month period, all beneficiaries enjoy the following guaranteed issue rights:

  • Guaranteed acceptance into the beneficiary’s plan of choice
  • No medical underwriting, so current health condition and pre-existing conditions aren’t factors in rating
  • Policy continuance as long as premiums are paid

Some beneficiaries enjoy eligibility for special enrollment periods with the same guaranteed issue rights after the Initial Enrollment Period. Talking to a licensed insurance agent or one of our Policy Guides may help beneficiaries determine the best time for enrollment.

Common Arkansas Medicare Supplement Questions:

When can I change Medigap plans?

Beneficiaries can’t switch to a new Medigap insurance policy without going through medical underwriting unless they qualify for a special enrollment period. For instance, a beneficiary may switch with guaranteed issue rights if they move out of state or out of their plan’s current coverage area.

After switching Medicare Supplement plans, beneficiaries have 30 days to change their minds. The Free Look Period requires beneficiaries to pay premiums for both policies for one month in exchange for the right to switch back if desired.

Can I be denied Medigap coverage?

No Medicare insurance company can deny coverage to a beneficiary applying within their Initial Enrollment Period. Beneficiaries enjoy guaranteed issue rights that ensure acceptance into the plan of their choice during that six-month period.

Outside of the Initial Enrollment Period, the insurer can deny a beneficiary’s application or increase rates based on pre-existing conditions. The only exception is a beneficiary who qualifies for guaranteed issue rights during a special enrollment period.

What is the difference between Medigap and Medicare Advantage?

When a beneficiary enrolls in a Medicare Supplement insurance plan in Arkansas, they use their red, white, and blue Medicare card when seeking medical treatment. Original Medicare pays for medical expenses up to plan limits, and then the supplemental plan picks up the remaining covered charges. Beneficiaries only pay charges not covered by either plan.

Beneficiaries enrolled in an Advantage plan in Arkansas may have more out-of-pocket expenses. They use a health insurance card provided by the Advantage insurer instead of the red, white, and blue Medicare card. Any expenses not covered by the Advantage plan are paid out of pocket by the beneficiary.

Do Medicare Supplement plans in Arkansas cover dental care?

Medicare Supplement plans do not include dental coverage. Private insurance companies administer the plans but have no control over the coverage offered due to government standardization.

Do Medicare Supplement plans cover chiropractic care?

Medicare Supplement insurance plans may cover chiropractic care as long as it is covered by Original Medicare. The final determination may depend on the type of treatment received and the reason for ordering the therapy. If Original Medicare won’t cover the care, then the supplemental plan won’t either.

Do Medigap plans in Arkansas cover foreign emergency travel?

The following Medigap policies cover foreign travel emergency care up to plan limits:

  • Plan C
  • Plan D
  • Plan F
  • Plan M
  • Plan N

Ready to Learn More?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with most of the nations top-rated Medigap carriers such as Aetna, Cigna, Mutual of Omaha and Florida Blue Medicare plans. Give us a call today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state. We educate you on the best Medicare Plans for your situation, then let you decide. 

Arkansas State Links

Key Take Aways
  • In Arkansas, Medicare Supplement Plan G is the most popular plan for 2021.
  • There are 10 Medicare Supplement Plans in Arkansas to choose from.
  • You can not have a Medicare Supplement plan and a Medicare Advantage plan at the same time.