Arkansas Health Insurance

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Arkansas Health Insurance

Arkansas Health Insurance Companies
Arkansas Blue Cross Blue Shield Humana
Learn more about each insurance carrier here: Aetna, Golden Rule, Humana
See an inventory of Arkansas Health Insurance Plans.
Compare health insurance quotes from nearby states: Texas Health Insurance, Oklahoma Health Insurance
Arkansas Affordable Health Insurance Information
Increasing Insurance Costs: With the increasing cost of providing health insurance for you and your family, the prospect of finding affordable health insurance is both daunting and confusing. Health insurance premiums have risen 53.4% in Arkansas in the past 6 years, according to Families USA. In fact, about 393,730 AR adults do not have insurance at all, according to Kaiser Family State Facts. But family health insurance is essential and luckily, there is no need to feel you are alone when selecting a plan. If you reside in Arkansas and need to find a better family health insurance plan or obtain health insurance, Health Plan One can help you review all possible insurance solutions. Fill in your zip code above to get an instant online insurance quote for your family health insurance plan. Health Insurance For Kids: ARKids First was designed by the State of Arkansas to insure the children of working families who earned too much for public assistance but could not afford to purchase health insurance. For more information, visit the State of Arkansas' website for ARKids First.
Arkansas Health Insurance High Risk Pool
In Arkansas, medical underwriting is allowed without restriction. Medical underwriting is the process of allowing health insurance companies to review the medical history of prospective members. For preexisting condition requirements, the carrier may look back in a consumer’s medical history 60 months for any preexisting conditions. Arkansas offers health insurance for the medically uninsurable called the Arkansas Comprehensive Health Insurance Pool (ACHIP). You may be federally eligible for ACHIP if you are a resident of Arkansas, you have had 18 months of continuous coverage that ended within the past 63 days, you are not eligible for another health plan including Medicaid, and you did not lose your previous insurance due to non-payment or fraud. You may be residentially eligible for ACHIP if you have been a resident of Arkansas for at least 90 days and you have either been denied health insurance or accepted at a rate that is 50% higher than the CHIP premium, or if you have been a resident for 30 days and were previously in another state’s high risk pool. You must also not be eligible for any other health insurance, including Medicaid, not be a resident of an institution, not have already had CHIP in the past 12 months, and not have received $1,000,000 in CHIP benefits. Coverage under high-risk health insurance for those federally and residentially eligible includes doctor visits, prescription drugs, out-patient and in-patient hospital care, ambulance, labs and x-rays, skilled nursing care, home health visits, maternity, preventive care, transplants, rehabilitation, durable medical equipment, mental health and substance abuse, and physical and occupational therapy. To find out the eligibility requirements, please visit the Arkansas website for CHIP (Comprehensive Health Insurance Pool) for uninsurable Arkansas residents at http://www.chiparkansas.org/.
Arkansas Group & Small Business (2-50 employees) Health Insurance
Medical underwriting is also allowed for small group insurance in Arkansas. Rates may vary by plus or minus 25 percent of the indexed rate based on the health status of the group. For preexisting condition requirements the carrier may look back in a consumer’s medical history 6 months and impose a 12 month exclusionary period for those that did not have prior medical coverage. You must be given a special opportunity to sign up for your group health plan if certain changes happen to your family.
Medicaid in Arkansas
Medicaid is a state/federal program that offers free or subsidized health coverage for pregnant women, families with children, elderly and disabled individuals with very low incomes. These individuals must meet certain income and other requirements. Income Requirements: Children Ages 1-5: 200% of the Federal Poverty Level Ages 6-19: 200% of the Federal Poverty Level Pregnant Women and Infants Pregnant Women: 200% of the Federal Poverty Level Infants - Ages 0-1: 200% of the Federal Poverty Level Parents Non-Working: 16% of the Federal Poverty Level Working: 20% of the Federal Poverty Level Other Populations Medically Needy Individual: 15% of the Federal Poverty Level Medically Needy Couple: 22% of the Federal Poverty Level Supplemental Security Income Recipients: 74% of the Federal Poverty Level Covered Services: Ambulance service, ambulatory surgical center, child health management services, chiropractor, dental care, doctor services, emergency room, Federally Qualified Health Care, home health services, hospice, hospital care, immunizations, lab tests, x-rays, medical equipment, nurse-midwife, nursing home, podiatrist, pregnancy termination, prescription drugs, rural health clinic, therapy, vision care, well-child care, and women’s health. Co-Payments: Costs vary; however, there are no co-payments if you are under 18, pregnant, living in a nursing home, or receiving family planning services. Learn more about Arkansas Medicaid at http://www.medicaid.state.ar.us/
Arkansas COBRA Health Coverage
Arkansas offers COBRA, the Consolidate Omnibus Budget Reconciliation Act of 1985. COBRA requires an employer who employs more than 20 people to offer continued group insurance coverage to former employees who lost coverage due to job loss, reduction in hours worked, death, or divorce.