Arkansas Original Medicare Enrollment

arkansas ORIGINAL MEDICARE HEALTH PLANS

Do you live in Arkansas and need help with understanding your options or planning to apply or change your original Medicare health plan?

O’Neal Insurance Group can help you to choose the right medical insurance plan by comparing the carriers Medicare health plans options available in your area for you.

arkansas map

A QUICK GLANCE AT the Original Medicare Health Insurance options offered in ARKANSAS

Medicare is a federal-approved health insurance program that is accessible to medicare beneficiary and residents who who qualify because of age or disability. With over 630,000 residents in Arkansas that are currently benefiting from medical coverage. The numbers is expected to multiply in the coming years.

  • Residents of Arkansas can choose from 9-31 different Medicare Health Plans being offed in the state, depending on their zip code
  • 1 out of 5 Medicare beneficiaries in arkansas opt to join a Medicare Advantage Plan
  • Almost 50% of Medicare beneficiaries in this state are enrolled in a standalone Part D prescription drug coverage

A QUICK GLANCE AT the Original Medicare Health Insurance options offerd in ARKANSAS

On the whole, statistics reveal that medicare beneficiaries and other consider Medicare Health Plan in Arkansas as the best option for their medical coverage. The primary reason for this is its accessibility and diversity.

None the less, selecting the right health plan is not an easy feat. The applicants have to consider premiums, benefits, and other aspects of the coverage too.

ORIGINAL MEDICARE HEALTH INSURANCE IN ARKANSAS:

Which One Is Right For You?

Take the first step towards a safe and secure future.

Medicare provides multiple coverage & plans options to the residents of Arkansas. The plans and option are available to anyone who has turned 65 or qualifies for health insurance due to a disability. You should weigh in the pros and cons of each one before making the final decision.

Even if you’re already a Medicare beneficiary, it doesn’t hurt to consider supplemental strategies that could improve your health plan.

Here’s a rundown of the main parts of the Medicare Health Plan:

  • Original Medicare Plan (Part A)

    The basic health plan covers hospital care, inpatient care and home health care (available in critical cases). You also receive coverage during your stay in a hospice setup or advanced nursing environment.

    Beneficiaries in this health plan get money for the bare essentials required for their treatment. These include meals, medications, semi-private rooms, and bedside nurses. Medical care required inside the house is usually excluded from the coverage.

  • Original Medicare Plan (Part B)

    The secondary health plan is considered as an extension of Part A. Many people enroll for both plans to maximize their benefits.  Part B Medicare Plan includes outpatient care, preventive treatment, and access to medical supplies/gear for specialist treatment plans. The coverage might include home health care for special cases.

    The combination of Part A and B plans doesn’t include prescriptions, dental care, eye care, and custodial care. That’s why some beneficiaries opt for supplemental solutions.

  • Medicare Advantage Plan (Part C)

    Medicare Advancement Plans are unique health insurance plans that are sanctioned by private insurance companies. Medicare permits then to develop advanced health coverage plans for their clients.

    These plans cover all the benefits ofOriginal Medicare (Part A and Part B) along with additional perks. These include dental care, vision care, health training programs and more.

  • Medigap (Medicare Supplement)

    Beneficiaries that are constantly going in and out of the hospital require additional expenses to cover their medical bills. The Medigap plan gives them a chance to receive extra services that are excluded from the primary Medicare plan.

    These services include coinsurance, copayments, and, deductibles.

  • Medicare Prescription Drug Plan (Part D)

    As the name suggests, the health plan revolves around your prescription. You can either opt for a standalone Medicare Part D Plan that supports your treatment. Or you can enroll in a Medicare Advantage plan that includes Part D coverage.

    It’s important to remember that each county/neighborhood has access to different drugs. So your prescription privileges can vary from a patient in another county.

In the end, the trick is to choose Medicare Health Plans in Arkansas that support your treatment. If you’re ever in doubt, then you can give us a shout. Our health insurance specialists can suggest budget-friendly alternatives to fit your specific requirements.

Eligibility Requirements For ARKANSAS RESIDENTS

Can You Qualify for Medicare Health Plans in?

Medicare Health Plan is available for all U.S citizens and those who have obtained a permanent legal residency in the US. The latter should have citizenship for at least five years if they plan to enroll in an Original Medicare Health Plan.

Other conditions include:

  • People who are 65 (or above) and qualify for social security can enroll in the Original Medicare Plan (Part A & B). If you’re already receiving social security then you will get enrolled automatically after your 65th birthday.
  • Part A is free of cost for residents who’ve paid Medicare taxes for a minimum of ten years. They have to pay a small sum for Part B like the rest of the beneficiaries.
  • Adults suffering from permanent residency can qualify for a Medicare Health Plan after they receive Social Security Disability privileges for two years (minimum). Similarly, patients with stage five CKD (chronic kidney disease) are eligible for Medicare. Both conditions exempt them from the age regulation.

Apart from this, beneficiaries of Part A and B plan can apply for a Part C or Part D plan. All you’ve got to do is opt for coverages that are available in your county.

Medicare Advantage Plans: A Closer Look

Many residents in Arkansas enroll in Medicare Advantage or Medicare Supplemental insurance plans. These plans cover out of pocket costs that aren’t availablein theOriginal Medicare Health Plan. The supplementary options have individualcopayments, deductibles, and coinsurance.

elderly male patient

However, these are more affordable than basic Medicare plans.

Every Medicare beneficiary in Arkansas is allowed to seek additional benefits via the Medicare Advantage Plan (Part C). People consider it as an alternative to the standard Original Medicare plan and a way to maximize their coverage.

Unlike the original scheme, these coverages are handled by private insurance companies. The benefits you receive depend on your location and choice of coverage.

ARKANSAS MEDICARE ADVANTAGE PLANS

Looking for budget-friendly medical insurance?

Then you should combine your Original Medicare Health Plan with an Advantage Plan. That way you will get the hospital, medical, and additional insurance too.

Let’s look at the most sought after Medicare Advantage plans in Arkansas:

1. Health Maintenance Organization (HMO)

HMO is a network of local healthcare providers who offerdiscounted rates to their beneficiaries. The insurance companies pay for medical expenses in healthcare facilities within the network. It gives you the liberty to visit specialists during emergencies without paying a hefty price.

The only condition is that their Primary Care Provider will have to refer them to a specialist before the consultation.

2. Preferred Provider Organization (PPO)

People who find the first option restrictive can enroll in for PPO. Members of this plan are allowed to select their specialists, healthcare providers, and facilities. The network of providers in this coverage plan is more extensive, but still requires a referral from the Primary Care Provider.

Plus, you’ll have to pay for medical expenditures if you get treatment from an out-of-network provider.

Apart from this, citizens of Arkansas can enroll in a Special Needs Plan (SNP). Patients with chronic illnesses and specific conditions can opt for this plan.It operates just like the other plans, but beneficiaries have the advantage of customizing their benefits according to their health issue.

HOW CAN YOU ENROLL FOR MEDICARE HEALTH PLANS IN ARKANSAS?

Enrollment for Medicare Health Plan in Arkansas is easier than you think. You get three opportunities to apply for the desired health plan.

  • Initial Enrollment

    This is a 7-month long period that begins three months before your 65th birthday.
    Example: If you turn 65 in December 2020, then you can enroll for Medicare from September to March 2021.

  • Special Enrollment

    Beneficiaries who’re enrolled in group coverage will receive special enrollment dates for Medicare. These generally last for 8 months after your coverage expires.

  • General Enrollment

    Each year Medicare opens up registration for eligible applicants from Jan-March. Once your plan is approved, you can expect the coverage to begin on 1st July.

It’s important to note that:

  • You should contact Social Security if you’re not registered for Social Security benefits before enrolling in Medicare Health Plans.
  • You can apply for Part A even if your employer offers exclusive health benefits.
  • You have to pay a 10% penalty if you don’t enroll for Part B during the initial enrollment period. These charges are applicable throughout your Medicare plan.

How Can We Help?

O’Neal Insurance Group offers professional evaluation and consultation services to the residents of Arkansas. We act as your sounding board when you’re applying for the Medicare Health Plan. We can also give you tips on how to modify the plan for better coverages.

Our services include free consultation, evaluation, and other resources. The best part is that we don’t charge anything for the consultation sessions.

Are you ready to enroll in a Medicare Health Plan?

Book a free consultation to make the best decision.


CONTACT US

Or call 1-888-966-8579 to schedule an appointment.

State of Arkansas Area Codes: 479, 501, 870 Largest Cities: Little Rock | Fort Smith | Fayetteville | Springdale | Jonesboro | North Little Rock | Conway | Rogers | Pine Bluff | Bentonville

All Cities in Arkansas, Alma, Arkadelphia, Ashdown, Batesville, Beebe, Bella Vista, Benton, Bentonville, Berryville, Blytheville, Booneville, Brinkley, Bryant, Cabot, Camden, Clarksville, Clinton, Conway, Crossett, Danville, Dardanelle, De Queen, Dumas, El Dorado, Eureka Springs, Fayetteville, Fordyce, Forrest City, Fort Smith, Glenwood, Greenbrier, Greenwood, Hardy, Harrison, Heber Springs, Helena, Hope, Hot Springs National, Hot Springs Village, Huntsville, Jacksonville, Jonesboro, Lake Village, Little Rock, Lonoke, Magnolia, Malvern, Marianna, Marion, Maumelle, Mena, Monticello, Morrilton, Mountain Home, Mountain View, Nashville, Newport, North Little Rock, Osceola, Ozark, Paragould, Paris, Pine Bluff, Pocahontas, Prescott, Rogers, Russellville, Searcy, Sheridan, Sherwood, Siloam Springs, Springdale, Stuttgart, Texarkana, Trumann, Van Buren, Waldron, Walnut Ridge, Warren, West Memphis, White Hall, Wynne,

Counties in Arkansas, Ashley, Baxter, Benton, Boone, Bradley, Calhoun, Carroll, Chicot, Clark, Clay, Cleburne, Cleveland, Columbia, Conway, Craighead, Crawford, Crittenden, Cross, Dallas, Desha, Faulkner, Franklin, Fulton, Garland, Grant, Green, Hempstead, Hot Spring, Howard, Independence, Izard, Jackson, Johnson, Lafayette, Lawrence, Lee, Lincoln, Little River, Logan, Lonoke, Madison, Marion, Miller, Mississippi, Monroe, Montgomery, Nevada, Newton, Ouachita, Perry, Phillips, Pike, Poinsett, Polk, Pope, Prairie, Randolph, Saline, Scott, Searcy, Sebastian, Sevier, Sharp, St. Francis, Stone, Union, Van Buren, Washington, White, Woodruff, Yell,

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Insurance Carriers

  • Aetna
  • Allwell /Centene Ascension Complete
  • Anthem BCBS of Indiana
  • Bright Health
  • Blue Cross and Blue Shield of IL, (HCSC)
  • Blue Cross and Blue Shield of TX, (HCSC)
  • Cigna Medicare-Healthspring
  • Clearspring Health
  • Community Care Alliance of Illinois
  • GTL (Guarantee Trust Life Insurance Company)
  • Health Alliance
  • Humana
  • Mutual of Omaha
  • UnitedHealthcare
  • Wellcare
  • Alabama
  • Arizona
  • Arkansas
  • Georgia
  • Illinois
  • Indiana
  • Louisiana
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • New Mexico
  • Ohio
  • Oregon
  • Tennessee
  • Texas
  • Wisconsin