Medicare Supplements Plans Arkansas
On this page we help consumers: Compare 2020 Medicare Supplement plans in AR. See Medigap premiums and reviews, including Plan F, G, and N. View a complete Medicare Supplement Plans Comparison Chart with all plans, carriers, and rates.
Arkansas Medigap Plans: What's the Difference?
Most Arkansas seniors agree: Original Medicare, combined with Medicare Supplement, offers the very best health coverage seniors can get. But, which Medicare Supplement is right for you?
The answer to that question is complex. What's best for you is very different than what's best for your spouse or your neighbor. It all comes down to your finances (what you can afford) and your health (how much risk you can take). At MedicareWire, we believe most seniors can narrow their search to three plans: F, G and N. Read on and we'll explain why.
| Insurance Carrier | Plan F | Plan G | Plan N | Rating | |
|---|---|---|---|---|---|
| Aetna | $171.18 | $147.86 | $112.79 |  |
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| American National | $150.54 | $116.39 | N/A |  |
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| American Republic | $192.76 | N/A | N/A | |
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| American Retirement Life | $222.63 | $139.49 | $137.69 |  |
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| Americo Life | $177.51 | $140.23 | $120.37 | |
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| Assured Life | $208.56 | $167.18 | $106.40 | |
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| Bankers Fidelity | $185.00 | $140.00 | N/A | |
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| Arkansas Blue Cross and Blue Shield | $196.70 | $143.30 | $110.00 | |
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| Central States | $193.17 | $131.33 | $112.67 | |
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| Colonial Penn | $218.59 | $192.31 | $128.36 | |
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| Equitable Life | $229.25 | N/A | $157.33 | |
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| Gerber Life | $229.38 | $192.19 | N/A | |
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| Globe Life | $187.00 | $171.50 | $147.50 |  |
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| GPM Health and Life | $231.94 | $173.28 | $153.76 | |
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| Humana | $222.86 | N/A | $142.65 | |
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| IAC | $249.04 | $201.77 | $171.20 | |
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| ManhattanLife | $192.00 | $145.67 | $122.08 | |
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| Medico | $208.01 | $181.31 | $155.72 | |
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| Old Surety | $172.33 | N/A | N/A | |
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| Omaha Insurance Company | $210.23 | $174.37 | $126.70 | |
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| Philadelphia American | $184.35 | $157.95 | $135.38 | |
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| Physicians Mutual | $264.62 | $191.84 | $181.05 | |
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| QualChoice Life | $189.60 | $141.65 | $114.90 | |
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| Reserve National | $174.85 | $141.80 | $129.35 | |
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| Standard Life | $206.93 | $152.78 | $99.80 | |
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| State Farm | $218.79 | N/A | N/A | |
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| S.USA Life Insurance | $152.06 | N/A | N/A | |
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| Thrivent | $208.83 | $185.19 | N/A | |
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| United American | $218.00 | $257.00 | $156.00 | |
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| United Commercial Travelers | $256.49 | $226.98 | $179.54 | |
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| AARP | $194.41 | $128.86 | $126.96 | |
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| USAA Life | $186.15 | N/A | $124.61 | |
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Compare Plan RatesThe average Arkansas senior compares three or more quotes before making an enrollment decision. |
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Top 10 Medicare Supplement Plans in Arkansas
Looking for the best Plan F, G or N available to Arkansas seniors?
- 10 Best Medicare Supplement Plan F
- 10 Best Medicare Supplement Plan G
- 10 Best Medicare Supplement Plan N
Arkansas Medicare Supplement Plan F Comparison Chart
Medicare Supplement Plan F is the most popular Medigap plan available in Arkansas. Here are the 10 best Plan F policies available in Arkansas based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| Reserve National | $174.85 | None | |
| Globe Life | $187.00 | None | |
| American National | $150.54 | None | |
| USAA Life | $186.15 | None | |
| AARP | $194.41 | None | |
| Arkansas Blue Cross and Blue Shield | $196.70 | None | |
| Standard Life | $206.93 | None | |
| Thrivent | $208.83 | None | |
| United American | $218.00 | None | |
| Aetna | $171.18 | None | |
Arkansas Medicare Supplement Plan G Comparison Chart
Medicare Supplement Plan G is rapidly gaining popularity among Arkansas seniors. With Plan F going away in 2020, it is expected to be the new gold standard. Here are the 10 best Medigap Plan G policies available in Arkansas based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| Reserve National | $141.80 | None | |
| Globe Life | $171.50 | None | |
| American National | $116.39 | None | |
| AARP | $128.86 | None | |
| Arkansas Blue Cross and Blue Shield | $143.30 | None | |
| Standard Life | $152.78 | None | |
| Thrivent | $185.19 | None | |
| United American | $257.00 | None | |
| Central States | $131.33 | None | |
| Bankers Fidelity | $140.00 | None | |
| NOTE: Medigap Plan G is identical to Plan F, with one exception. A Plan G policy does not pay your Medicare Part B annual deductible. In many cases the annual cost of Plan G makes it a better deal. | |||
Arkansas Medicare Supplement Plan N Comparison Chart
Medicare Supplement Plan N is similar to Plan D, but covers Medicare Part B coinsurance costs differently. Due to its lower cost and good coverage, it's catching the attention of many Arkansas seniors. Here are the 10 best Medigap Plan N policies available in Arkansas based on our reviews (click for details):
| Carrier | Premium[3] | Fee | Review[4] |
|---|---|---|---|
| Reserve National | $129.35 | None | |
| Globe Life | $147.50 | None | |
| Standard Life | $99.80 | None | |
| Arkansas Blue Cross and Blue Shield | $110.00 | None | |
| USAA Life | $124.61 | None | |
| AARP | $126.96 | None | |
| United American | $156.00 | None | |
| Central States | $112.67 | None | |
| Aetna | $112.79 | None | |
| QualChoice Life | $114.90 | None | |
| NOTE: With Medigap Plan N, 100% of your Part B coinsurance is covered, except up to a $20 copayment for office visits and up to $50 for emergency room visits. | |||
Medicare Supplemental Insurance Reviews
We evaluate all Medicare Supplement (Medigap) companies servicing policies in Arkansas. Our reviews are unbiased. We use a mathematical formula that considers years in business, A.M. Best financial strength rating, plans serviced, plan premiums and fees. We do not evaluate rate increase history, so be sure to ask you agent to provide this information.
We review Medicare Supplement Plans in Arkansas head-to-head, statewide. We recommend consumers use our 5-star ratings as one aspect of their decision making process. It helps compare insurance carriers at-a-glance.
Med Supp Rates (Premiums)
We list monthly premiums for all Medigap plans offered by Medicare Supplement carriers in Arkansas. Rates are samples based on a 65 year old, non-smoking woman and include applicable household discounts. Use our rates for comparison purposes only. Your actual rate will be based on where you live, your age, sex and use of tobacco products.
Medigap Plans are Standardized Medicare Supplements
The Arkansas Department of Insurance and the federal government have worked together to standardize Medicare supplemental insurance policies. Insurance companies must clearly identify plans as Medicare Supplement Insurance and each Medicare Plan must use a standardized letter code, A through N. Each lettered plan offers the same benefits, regardless of the carrier offering it. Only the rates are different.
NOTE: Medigap, Medicare Supplements and Medicare Plans are all names used interchangeably for supplemental insurance that fill the gaps in Original Medicare coverage.
Each of the lettered Medicare supplement insurance plans offer the core coverage provided by Plan A. Plans B through N have a varying range of additional coverage. This way you can choose an appropriate policy based on the amount of insurance you need.
Insurance companies are free to choose the policies they offer, although Arkansas state laws might affect which ones they can offer. Carriers offering Medicare Plans:
- Don't have to offer every Medigap plan
- Must offer Medigap Plan A if they offer any Medigap policy
- Must also offer Plan C or Plan F if they offer any plan
For more information, visit the Arkansas Department of Insurance website at http://www.arkansas.gov/insurance.
Is Medicare Supplement Plan F the Best Medicare Plan in Arkansas?
Even though Medicare Plan F is the most expensive, it is the most popular. More than half of all Arkansas seniors with Medigap coverage choose Plan F. The overwhelming reason is that it offers peace-of-mind with complete inpatient and outpatient gap coverage.
IMPORTANT: If you need the financial protection of Plan F, you must buy a policy prior to January 2020. Congress voted to do away with Medicare Supplement Plan F. Insurance carriers are no longer able to sell these polices after December 31, 2019.
RELATED: Medicare Plan F: What Does this Medicare Supplement Offer?
Is the AARP Medicare Supplement the Best in Arkansas?
This is one of the most common questions we're asked. AARP Medicare Supplements, which are underwritten by United Healthcare, offer the exact same coverage as standardized plans offered by other Medigap insurance carriers. The big difference is the monthly premium.
In our experience, AARP Medigap Plans are typically more expensive than average, and is often the most expensive. However, United Healthcare has a large number of hospitals under contract, allowing them to offer Medicare SELECT policies at better rates than standard Medicare Supplements. This allows them to be very competitive on rates if you agree to use a specific hospital.
The most popular AARP Medicare Supplements are Plan F, Plan G and Plan N. The comparison chart below highlights the difference in coverage.
Med Supp Plan Comparison Chart
The following Medicare Supplement Plans Comparison Chart offers a quick look at the benefits provided by each Medigap policies.
| Medigap Benefits | A | B | C | D | F* | G | K | L | M | N |
|---|---|---|---|---|---|---|---|---|---|---|
| Medicare Part A Coinsurance and hospital costs up to an additional 365 days after Medicare benefifits are used up | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes | Yes |
| Medicare Part B Coinsurance or Copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes** |
| Blood (First 3 Pints) | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Part A Hospice Care Coinsurance or Copayment | Yes | Yes | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Skilled Nursing Facility Care Coinsurance | No | No | Yes | Yes | Yes | Yes | 50% | 75% | Yes | Yes |
| Medicare Part A Deductible | No | Yes | Yes | Yes | Yes | Yes | 50% | 75% | 50% | Yes |
| Medicare Part B Deductible | No | No | Yes | No | Yes | No | No | No | No | No |
| Medicare Part B Excess Charges | No | No | No | No | Yes | Yes | No | No | No | No |
| Foreign Travel Emergency (Up to Plan Limits) | No | No | Yes | Yes | Yes | Yes | No | No | Yes | Yes |
| Out-of-Pocket Limit*** | None | None | None | None | None | None | $5,240 | $2,620 | None | None |
* Medicare Plan F also offers a high-deductible plan. If you choose this option, this means you must pay for Medicare-covered costs up to the deductible amount of $2,240 before your Medigap plan pays anything.
** Medicare Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 copayment for emergency room visits that don't result in an inpatient admission.
*** After you meet your out-of-pocket yearly limit and your yearly Part B deductible, the Medigap plan pays 100% of covered services for the rest of the calendar year.
Medigap vs Medicare Advantage
Still wondering if a Medigap plan is right for you? Considering Medicare Advantage as an alternative? For many seniors it's a difficult decision. Here's our advice.
First, understand the difference between Medigap and Medicare Advantage plans available in Arkansas. Medicare Supplement insurance fills gaps in your Original Medicare benefits. Medicare Advantage replaces your Original Medicare benefits with managed care.
Second, if you want the most choices and flexibility, Original Medicare combined with a Medigap plan and a Arkansas Medicare Part D plan is the way to go.
RELATED: Medicare Advantage vs. Medigap: Which Is Best?
Need Local Help?
The State Health Insurance Assistance Programs (SHIPs) provide free, one-on-one insurance counseling and assistance to Medicare beneficiaries, their families and caregivers. The Arkansas SHIP is a grant-funded project of the federal U.S. Department of Health and Human Services (HHS). You can reach them by phone or on their website:
- 1-800-224-6330; (501) 371-2782
- http://www.insurance.arkansas.gov/shiip.htm
Additional Foot Notes
[3] Sample premium is for a 65 year old, non smoking, woman living in Arkansas. The rate was accurate on date of publication. Rates change frequently and they are priced by county. You must contact a licensed agent to get a current rate for your situation.
[4] Review rating stars are derived from MedicareWire reviews on our Medigap Plan pages.
The Medicare Supplement information on this page originates from CMS Data Files, is maintained by David Bynon, and was last updated on .