Understand Medicare in Arkansas
Medicare, the United States federal medical insurance program, provides coverage for more than 650,000 people in Arkansas who qualify for Medicare. You can get Medicare if you’re 65 or older or have a qualifying disability.
Your disability typically qualifies if you’ve received at least 24 Social Security or Railroad Retirement Board (RRB) disability insurance payments. You can also enroll in Medicare Advantage Plans if you have End-Stage Renal Disease (ESRD) or amyotrophic lateral sclerosis (ALS).
Most people have premium-free Part A but, if you have to buy it, the cost can reach up to $506per month in 2023. Part B costs $164.90 per month but can be more if you have higher income. There are 85 Medicare Advantage Plans in the state that are an alternative to Original Medicare. Learn more about your Medicare options in Arkansas.
Medicare Plans in Arkansas
|Compare ratings of Arkansas’s Medicare plan providers:|
|Insurance company||Medicare rating||A.M. Best rating||BBB rating||J.D. Power ranking|
|Aetna||4 stars||A+||A+||6th out of 9|
|Blue Cross Blue Shield||4.5 stars||A||A+||5th out of 9|
|Humana||4 stars||A-||A+||2nd out of 9|
|UnitedHealthcare||3.5 stars||A+||A-||4th out of 9|
Medicare Plan Options in Arkansas
Residents of Arkansas have multiple Medicare plans to choose from. Many are tiered to help people in Arkansas find the plan that is best suited to your lifestyle and medical needs. For example, seniors and individuals with disabilities who don’t need much coverage can apply for Original Medicare. Arkansas’ Medicare Advantage program might be a better option if you need more comprehensive insurance. Some Medicare policies offer additional prescription drug add-ons or supplementary coverage.
|Original Medicare (Parts A and B)||Original Medicare is the basic Medicare plan, which is a fee-for-service form of insurance. It has two parts: Part A hospital insurance and Part B medical insurance. Part A covers hospital stays and periods spent at skilled nursing facilities, lab tests an individual has performed, and hospice care. Part B covers doctor’s office visits and home health care services. It may also cover some preventive care, such as screenings for cancers and mental illnesses, including depression. With Original Medicare, you’ll pay a deductible along with your share of the fees incurred during an inpatient or outpatient visit:
|Medicare Advantage Plans (Part C)||Medicare Advantage plans, also known as Part C, are an alternative to Original Medicare offered by private insurance companies. These plans include both Part A and Part B coverage, except for hospice care. Most services are provided by network providers, and you may need primary care physicians, referrals for specialists, and prior authorizations for treatment and medications. Medicare Advantage offers additional coverage for essential needs, such as prescription drugs, dental and vision care. Some Medicare Advantage Plans also cover gym memberships and transportation to and from medical appointments. Part C may also pay for adult day care services:
|Medicare Prescription Drug Coverage Plans (Part D)||Many Medicare Advantage policies add Part D drug coverage automatically to their package, but you can also add Medicare prescription drug coverage to Original Medicare. Medicare prescription drug coverage is offered to all Medicare enrollees, but you may have to pay a penalty if you wait to enroll after being initially eligible. Medicare Part D plans may not all cover the same drugs or have the same costs as Medicare Advantage policies. Standalone Part D coverage is provided by Medicare-approved private insurers. Most plans require a deductible and a copay for each prescription drug:
|Medicare Supplement Insurance Plans (Medigap)||Some Arkansas seniors purchase a Medicare Supplement Insurance policy, also known as Medigap. These plans are intended to fill in the gaps Original Medicare doesn’t cover. Some of these gaps include medical coverage while overseas, Part A and Part B copays, and excess Part B charges. Medigap doesn’t pay for anything related to Medicare Advantage. You cannot have a Medigap plan and a Medicare Advantage Plan at the same time.
Medicare in Arkansas by the Numbers
|People enrolled in Original Medicare||Average plan cost||Annual state spending per beneficiary||Spending per beneficiary compared to the national average|
|453,946||Plan A: $0 to $506 per month*
Plan B: $164.90 per month**
*Most people pay no premium, but this can vary depending on how long they paid Medicare taxes.
**This is the average number, but it can vary based on income.
Medicare Resources in Arkansas
Getting support can help when you’re making Medicare decisions. Arkansas has numerous locations where enrollees can receive help through the State Health Insurance Program (SHIP). Arkansas SHIP has counselors throughout the state that work with local nonprofits and public health agencies, as well as Area Agencies on Aging (AAAs), to provide seniors with Medicare information.
AAA of Northwest Arkansas
The Region 1 Area Agency on Aging (AAA) of Northwest Arkansas partners with SHIP counselors to give Medicare advice and assistance to local seniors. Seniors can also receive education about Medicare fraud and abuse. AAA of Northwest Arkansas and other state AAAs also may screen beneficiaries to determine their eligibility for financial assistance. It organizes group presentations for seniors and individual counseling is also available.
Contact information: Website | (870) 741-1144
Arkansas Association of Area Agencies on Aging
The Arkansas Association of AAAs oversees the state’s agencies that provide services including Medicare counseling and information to older adults. Through the association, you can locate the AAA that is near you to access services.
Contact information: Website | (866) 964-7017
Arkansas Department of Human Services
The Arkansas Department of Human Services can connect you to a range of services and information, including Medicare resources. The department oversees the Senior Medicare Patrol that is focused on identifying and preventing Medicare fraud and misuse.
Contact information: Website | (501) 686-9164
Arkansas Insurance Department
The Arkansas Insurance Department provides a range of Medicare resources, from dates to remember and information about supplement plans to preventive services, including a Welcome to Medicare medical visit. You can also access links to Medicare resources close to you.
Contact information: Website | (800) 282-9134