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Arkansas Medicare Supplement Plans

While MA plans are still slightly more popular than Medicare Supplement plans in Arkansas, enrollment numbers are actually relatively close. Though the exact figures for enrollment in Medigap plans in Arkansas do not seem to be available, the Kaiser Family Foundation reports that numbers work out to be about 30 percent for Advantage and 23 percent of Medicare Supplement plans across the entire United States. Most beneficiaries do enhance their benefits in some way, and other options include other public options and employer health insurance.

Which Medicare Supplement plan in Arkansas is best for you? There is not one solution for every beneficiary, but you can use our fast online quote forms to make a quick comparison of available options in your Arkansas city, town or rural area. Just select your state to get started.

The Arkansas Medicare Supplement Plan Landscape

To understand why options might vary across the state, it is helpful to review the percentage of seniors in some major Arkansas cities:

  • Arkansas: 15.4%
  • Little Rock: 11.3%
  • Fort Smith: 12.7%
  • Fayetteville: 7.8%
  • Springdale: 8.8%
  • Jonesboro: 11.8%

Cities with more seniors and more medical providers will offer more choices. In some cases, seniors might choose their Medicare Supplement plan in Arkansas because of price, local medical providers or local insurers.

Both Medicare Supplement plans and Advantage options come from private insurers that are licensed to do business in Arkansas. While there are also some good regional companies, these are some of the largest Arkansas companies that provide Medicare Supplement plans in Arkansas:

How Do Medicare Supplement Plans in Arkansas Compare to MA Plans?

They are both used to help maximize Medicare benefits, but they work differently. An Advantage plan replaces Part A and Part B of traditional Medicare. Some have no monthly premium or a very low one. Also, they might include Part D and extra benefits, such as dental or vision.

Medicare Supplement plans usually cost somewhat more, but that is not always true. They are meant to fill in the gaps for costs that original Medicare doesn’t pay. They never include Part D or any additional benefits beyond the standardized ones. All Medicare Supplement plans in Arkansas must get standardized to contain the benefits spelled out by the government for levels A through N of coverage.

This summarizes some details of Medicare Supplement plan levels:

  • All levels: Basic benefits such as Part A and Part B coinsurance for hospitals and skilled nursing care
  • More robust levels: Might offer additional coverage such as the part B deductible, emergency care in other countries besides the U.S. and charges over Medicare limits

Summary of traditional Medicare Supplement plan levels in Arkansas:

  • C, F, & Medigap plan G: These are usually considered the most comprehensive Medicare Supplement levels.
  • A & B: These are considered basic levels.
  • K, L, & Medicare Supplement Plan N: These levels cover more with more cost sharing to balance premiums and benefits.

Right now, Medigap Plan F and Medigap plan C are the most popular because they provide the highest coverage levels, but they also tend to be the most expensive. There also is a high-deductible plan F option, and this is good for people who don’t mind paying a deductible in exchange for cheaper rates but want to protect themselves against very high medical bills for any reason.

Sample Medicare Supplement Plan Rates in Arkansas

Just to get an idea of the cost for Medicare Supplement plans in Arkansas, these are some samples of monthly costs for a Little Rock man who is turning 65 and does not smoke:

  • Medicare Plan F with a high deductible: $78.01
  • Medicare Plan F with no deductible: $204.72
  • Plan C: $200.66
  • Plan K: $98.44

Please note: These are sample prices from a variety of different Medicare Supplement insurance providers, and individual prices will vary because of age, underwriting, and even insurer.  Below are a few of the top companies we recommend:

While regular F and C cost more, they reduce or even eliminate out-of-pocket costs. However, cost-sharing choices cost less and still prevent policy owners from having large medical bills in case they get sick.

Finding the Best Medicare Supplement Plans in Arkansas

To help our visitors find the right Medicare Supplement plans, we offer quick online quotes. Just enter your state to get started. If you have questions, you are also welcome to call our toll-free number.

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