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Arkansas Medicare Insurance

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Medicare is a federal health insurance program for people 65 or older. Arkansas Supplemental Medicare plans are similar to other states in the United States. With the Original Medicare Plan, you are left with many gaps in your coverage. If you do not seek a Supplemental Medicare Health Insurance plan, you may be left without coverage in the case of an accident or an illness. Arkansas residents can receive Medicare benefits through the normal fee-for service system or through a Medicare Advantage plan.

The Original Medicare Plan will provide coverage in many areas but will not cover all of the services and supplies that you need. Additional coverage is available. These additional plans are called Supplemental Medicare Plans or Medigap Plans. Arkansas Medigap and Supplemental Medicare Health Insurance Plans are government approved plans that provide health coverage in certain areas that the Original Medicare Plan does not cover.

In 2005, the Arkansas State and Public School Employee Benefits Division (EBD) and Health Advantage partnered in 2005 to offer the ARHealth plan to retirees with Medicare. All Medicare and non-Medicare Arkansas State and Public School Retirees are enrolled automatically in the ARHealth Plan upon retirement.

Medicare Health Insurance Providers

How do I choose the Arkansas Medicare health plan that's right for me?
Below are some things to consider when choosing an Arkansas Supplemental Medicare Insurance Plan. It is important to determine what benefits and needs are necessary for you when choosing a plan.

  • Coinsurance
  • Hospital expenses
  • Blood tests
  • Skilled Nursing Coverage
  • In Home Recovery
  • Monthly Premium
  • Prescription drug coverage

Medicare Health Insurance Plans
Medicare is classified into four different categories.

  • Medicare Part A: Part A covers Hospital Insurance and gives financial assistance for inpatient care. Part A also partially covers skilled nurses, hospice, and home health care under certain conditions.
  • Medicare Part B: Part B covers necessary medical services such as outpatient care and doctor services. Some preventative care is also covered to maintain your healthy status and minimize the chances that other illnesses might become more severe.
  • Medicare Part C: Part C is a Medicare Advantage Plan. It combines Part A and Part B and in some instances, it also combines Part D. Medicare Part C plans are privately managed by insurance companies approved by Medicare. The plans cover necessary medical services, although, these plans have co-payments, coinsurance, and deductibles that can vary.
  • Medicare Part D: Part D provides assistance covering prescription drugs. The coverage will vary depending on the plan, but it may help lower your prescription drug costs and help prevent high costs in the future.

Where can I read about Arkansas Medicare?