Medicare Supplement Plans in Arkansas

Last Updated : 06/25/20194 min read

Why would I need a Medicare Supplement plan in Arkansas?

If you’re a Medicare beneficiary in Arkansas covered by Original Medicare (Part A and Part B) your health coverage doesn’t include an out-of-pocket maximum. This means you could pay significant out-of-pocket costs if you have a lengthy hospital stay or many doctor visits.

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A Medicare Supplement plan in Arkansas can help you pay Original Medicare out-of-pocket costs such as copayments, coinsurance, and deductibles. Medicare Supplement plans are offered by private insurance companies. Keep in mind that Medicare Supplement in Arkansas and in all other states only works with Original Medicare; you cannot use Medicare Supplement together with a Medicare Advantage plan.

What does a Medicare Supplement plan in Arkansas cover?

There are up to 10 Medicare Supplement plans in Arkansas labeled A, B, C, D, F, G, K, L, M and N. (Don’t confused Medicare Supplement plans A and B with Medicare Part A and Part B.) Plans are standardized, meaning that all plans of the same letter offer the same basic benefits, regardless of which private insurance company offers the plan. However, not all plans may be available in all parts of Arkansas. All of these plans cover Medicare Part A coinsurance and hospital costs up to an additional 365 days after Medicare benefits are exhausted. Beyond this one benefit, coverage differs.

Medicare Supplement plans in Arkansas may also cover:

  • Medicare Part B coinsurance and copayment
  • First three pints of blood
  • Medicare Part A hospice coinsurance or copayment
  • Skilled nursing facility coinsurance
  • Medicare Part A deductible
  • Medicare Part B deductible
  • Medicare Part B excess charges
  • Foreign travel emergencies up to plan limits

Plans K and L also have out of pocket maximums.

Some things Medicare Supplement plans generally do not cover include:

  • Prescription drugs
  • Routine dental
  • Routine vision
  • Routine hearing

You can get prescription drug coverage through a stand-alone Medicare Part D Prescription Drug Plan.

This comparison chart might be helpful as you are comparing Medicare Supplement plans in Arkansas.

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How much does a Medicare Supplement plan in Arkansas cost?

You generally will have to pay a monthly premium for your Medicare Supplement plan in addition to your Medicare Part B premium. This monthly premium depends on which plan you have and which company you buy it from. Some Medicare Supplement plans in Arkansas cover the Part A and Part B deductible and some do not. High deductible plan F has a high deductible but generally a low premium.

What else should I know about Medicare Supplement in Arkansas?

Federal law does not require private insurance companies to sell Medicare Supplement plans in Arkansas to Medicare beneficiaries under 65. Some states require private insurance companies to sell at least one kind of Medicare Supplement plan to beneficiaries under 65, but Arkansas is not one of those states. If you live in Arkansas, you may have to wait until you are 65 to buy a Medicare Supplement plan.

Your Medicare Supplement Open Enrollment Period (OEP) begins when you are both 65 and enrolled in Medicare Part B. This period lasts for six months. During this six month period you can buy a Medicare Supplement plan without being subjected to medical underwriting. Medical underwriting considers your health conditions and may deny you coverage if underwriters predict you will be expensive to cover. Read about other times (besides your OEP) when you might have a guaranteed-issue right to buy a Medicare Supplement plan in Arkansas.

Would you like to take a look at some of the Medicare Supplement insurance plans available in your area? Just enter your zip code in the box on this page to display a list and start comparing plans.

The product and service descriptions, if any, provided on these Web pages are not intended to constitute offers to sell or solicitations in connection with any product or service. All products are not available in all areas and are subject to applicable laws, rules, and regulations.


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