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Medicare Supplement Plans (Medigap) in Arkansas

As a Medicare beneficiary in Arkansas, you may find you need help paying for Medicare-related expenses like copayments, coinsurance, and deductibles, as well as other out-of-pocket costs. If so, a Medicare Supplement plan (or Medigap plan) may be a good option for you. Medigap plans in Arkansas are available through private insurance companies, and they're designed to help cover expenses incurred under Original Medicare, Part A and Part B. As an Arkansas resident, you have a number of Medigap plan options, usually depending on the zip code in which you live.

How Medigap plans work in Arkansas

In Arkansas, you have access to the 10 standardized Medigap plans available in all states (Massachusetts, Minnesota, and Wisconsin, offer different types of Medigap plans). Each Medigap plan is labeled with one of 10 letters (A, B, C, D, F, G, K, L, M, and N), and plans of the same letter offer the same benefits.

Medicare beneficiaries in Arkansas already enrolled in Original Medicare, Part A and Part B, are eligible to sign up for Medigap plans. The best time to buy a Medicare Supplement plan is during the Medigap Open Enrollment Period. This six-month period starts the first day a beneficiary is age 65 or older and is also enrolled in Medicare Part B. During this time, Medicare beneficiaries in Arkansas can sign up for any Medicare Supplement plan available in their area, with the insurance company of their choosing, without being subject to restrictions for any pre-existing conditions. There are generally no additional enrollment periods besides each beneficiary's Medigap Open Enrollment Period, so any Arkansas resident looking to enroll in a Medigap policy outside of this time may be denied coverage or charged more for his or her insurance policy.

It's important for you to know that Medigap plans in Arkansas, like those in other states, do not offer prescription drug coverage. If you need help to cover medication costs, you may want to enroll in a stand-alone Medicare Part D Prescription Drug Plan, available through private insurance companies.

Remember that even if you sign up for a Medigap plan in Arkansas, you must remain enrolled in Original Medicare, Part A and Part B, and go on paying your Medicare Part B premium, to keep your health insurance coverage. Medigap plans in Arkansas are meant to supplement - not replace - Original Medicare.

Types of Medigap plans in Arkansas

It may be smart to study each Medigap plan available in your area before making your final decision. Here's a look at the Medigap benefits you may be eligible to receive under each of the 10 standardized Medigap plans as a Medicare beneficiary in Arkansas.

Medicare Supplement Plans
Medicare Supplement Benefits A B C D F G K L M N
Medicare Part A coinsurance hospital costs up to an additional 365 days after Medicare benefits are exhausted X X X X X X X X X X
Medicare Part B copayment or coinsurance coverage X X X X X X 50% 75% X X
First 3 pints of blood X X X X X X 50% 75% X X
Part A hospice care coinsurance or copayment X X X X X X 50% 75% X X
Skilled Nursing Facility care coinsurance X X X X 50% 75% X X
Medicare Part A deductible X X X X X 50% 75% 50% X
Medicare Part B deductible     X   X          
Medicare Part B 'excess charges'         X X        
Foreign travel emergency coverage (up to plan limits)     80% 80% 80% 80%     80% 80%
Medicare Part B preventive care coinsurance X X X X X X X X X X
              Out-of-pocket limits apply    

It may also be useful for you to be aware of the following with regards to Medigap plans in Arkansas:

Choosing a suitable Medigap plan in Arkansas

Even though Medicare Supplement plans in Arkansas with the same letter designation don't vary in coverage or benefits, each independent insurance company offering Medicare Supplement plans is allowed to determine its own monthly premium structure. This means that if you live in Little Rock, in Pulaski County, you may pay more or less than a resident of Magnolia in Columbia County for an identical Medicare Supplement plan. It can be to your advantage to compare all Medicare Supplement plans available to you in Arkansas, and then make your final choice based on your individual health and budget needs.

Get more information about Medicare insurance plans in Arkansas by reading the following articles:

As you can see, you have many Medicare Supplement plan options in Arkansas, so it may be a good idea for you to understand what each plan has to offer before making your choice. To get help selecting the plan that works for your personal health needs:

Medicare has neither reviewed nor endorsed this information.

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