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Medicare Supplement Plans in Arkansas

Medicare Supplement insurance plans in Arkansas are meant to help Medicare beneficiaries make the most of their benefits by paying some of Original Medicare insurance’s deductibles, copayments, and coinsurance costs.

Local Medigap policies are standardized by the federal government, but you buy them from a private Medicare insurance company that has been authorized by Arkansas to market Medigap plans. When you take the time to compare Medicare Supplement plans in Arkansas, you can be sure of getting the best rates and benefits for your own unique needs.

What is the best Medicare Supplement Plan in Arkansas?

1. Best for full coverage: Plan F

Plan F has been the most popular of the Medicare Supplement insurance plans for Arkansas residents, but it is only available to those who became eligible for Medicare before January 1, 2020.

Plan F offers the broadest coverage to help with copayments, coinsurance and deductibles. It also covers Medicare Part B deductible payments.

2. Best comprehensive plan: Plan G

Eligibility for Plan G is different than for Plan F, and it is based on your age. Plan G is available for those who became eligible for Medicare after Jan. 1, 2020.

Like Plan F, Plan G also helps pay for copayments, coinsurance and deductibles. The difference is that Plan F is a bit broader because it covers Medicare Part B deductible payments. Plan G does not.

3. Best value: Plan N

Arkansas residents who select Medicare Plan N will pay lower premiums but incur more out-of-pocket expenses for their health plan. Those out-of-pocket costs include:

  • $20 copay for doctor’s appointments
  • Up to $50 for emergency room visits

When Can I Enroll in a Medicare Supplement Plan?

Most Medicare beneficiaries apply for a Medigap plan in Arkansas during the six-month Medigap open enrollment period. The enrollment period automatically starts the month you’re 65 and enrolled in Medicare Part B. During this time, you can buy any Medigap policy sold in your state, even if you have health problems.

When the initial enrollment period is over, you can still change plans, but it’s more complicated and potentially more expensive. After this enrollment period, insurers can take your health condition, including preexisting conditions, into consideration when quoting a policy.

Please note, the Medigap open enrollment period is not the same as the Medicare Advantage open enrollment period. Please speak to your licensed insurance agent to clarify deadlines and enrollment periods.

How Much Do Medicare Supplement Plans in Arkansas Cost?

The cost of Medigap monthly premiums is based on many factors, including:

  • Community-rated – Monthly premiums are the same for everyone who has the Medigap policy, regardless of age. Premiums may go up because of inflation and other factors.
  • Issue age – The premium is based on your age when you buy the Medigap policy.
  • Attained age  – The premium is based on your current age and your premium goes up as you get older or due to inflation or other factors.

For the 72204 zip code in Little Rock, Arkansas, here are the averages for a 65-year-old, nonsmoking female:

65-Year Old Female Non-Tobacco
Plan Type Premium Range
Plan F$180.28 - $283.17
Plan G$86.46 - $210.48
Plan N$144.00 - $267.59

Who sells Medicare Supplement Plans in Arkansas?

You have many options when selecting a private insurance company for your Medicare Supplement insurance plans in Arkansas. The following three companies are the most popular in your service area.

1. Cigna 

Cigna makes it easy to find Medicare coverage that’s right for you with flexible coverage options and more. In 2022, Cigna received a five-star rating from Medicare, which is the highest star rating possible.

2. Aetna

Aetna offers a wide range of plan options for Medicare enrollees. In 2022, Aetna has an overall weighted average of 4.0 out of 5.0 stars.

3. Mutual of Omaha

Mutual was one of the very first companies to offer Medicare supplement plans after Medicare began in 1965. In 2022, Mutual of Omaha received 2.5 stars out of a 5-star rating.

Ready To Learn More?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as Aetna, Cigna and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Arkansas Enrollment Resources

Arkansas Medicare Enrollment Statistics

To select the best Medicare Supplement insurance plan in Arkansas for your unique needs, it might help to learn some facts about Medicare and Medigap plans in Arkansas:

  • Around 474,000 Arkansas residents get Medicare benefits for help with healthcare costs.
  • Out of every Arkansas resident enrolled in Medicare Part A and Part B, about 172,000 choose Medigap plans in Arkansas for extra coverage.
  • Traditionally, most Arkansas beneficiaries have chosen Plan F as the best Medicare Supplement plan in Arkansas for them.
  • The largest Arkansas counties include Pulaski, Benton, Washington, Sebastian, and Faulkner.
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