Arkansas Health Insurance

Health Insurance Overview

Arkansas residents have many options for health care coverage. There are numerous Arkansas insurance providers to choose from, along with a variety of Arkansas medical insurance plans designed to meet the specific needs of individuals, families and groups.

Whether you need independent self-employed health coverage, or your employer simply doesn’t offer group Arkansas health insurance benefits. Whether you are looking to cover your spouse and children under the same low rate, or you are a small business that wants to provide your employees with affordable coverage. Whatever your situation, we are your one stop resource for all your health care needs – including reliable Arkansas medical insurance from the best Arkansas insurance providers around.

Each state is unique in its laws and regulations, as well as the types of coverage it offers. Here you will find an array of resources and useful information to help you better understand Arkansas health insurance and the range of options available to you. This includes current facts and statistics about residents, important state legislation, financial assistance and public Arkansas health insurance programs, and even details on some of the top Arkansas insurance providers.

To compare specific Arkansas medical insurance plans offered by the various Arkansas insurance providers, and get a personalized quote for the options that are right for you, contact us now for free. We’ll connect you with a highly qualified insurance agent near you who will be happy to help you with all of your Arkansas health insurance needs.

At Healthcare Solutions Team, we’re committed to making affordable health care accessible to everyone. Our group of elite Arkansas health insurance advisors is dedicated to helping match the right coverage to fit the unique needs of all families, individuals and groups. Not a resident of Arkansas? Find your state here.

Arkansas Health Insurance Facts & Statistics

Total Arkansas Residents – 2,861,400

Total Health Insurance Coverage In Arkansas:
Employer – 42%
Individual – 4%
Medicaid – 17%
Medicare – 16%
Other Public – 2%
Uninsured – 19%

Average Individual Monthly Premiums – $163

Average Annual Single Employee Contribution for Employer-Based Health Insurance Plan – 21%

Average Annual Single Employee Premium for Employer-Based Health Insurance Plan – $885

Average adjusted hospital cost per inpatient day – $1,428

Source data according to the Kaiser Family Foundation (http://www.kff.org/) (2009-2012 data) and http://www.statehealthfacts.org/

Arkansas Medical Insurance Laws, Regulations & Policies

There are several different Arkansas health insurance laws and regulations that have been set in place to protect policyholders living in the state. Under these laws, Arkansas insurance providers may set monthly premiums, exclude coverage, or deny applications based on health history or pre-existing conditions. Arkansas residents who are denied coverage or offered an expensive plan can purchase insurance in the state’s high-risk pool, Arkansas Comprehensive Health Insurance Poll (CHIP).

All Arkansas health insurance plans are required to cover these medical services:

  • Screening for breast and colorectal cancer 
  • Breast reconstruction surgery after a mastectomy
  • Care for certain diabetes-related conditions
  • Continuity of care for pregnant women and new mothers
  • Children’s vaccinations

Arkansas health insurance law also requires insurance companies to set the same coverage maximums and limits for mental health conditions as physical conditions.

Arkansas Health Insurance Resources

Arkansas Department of Health

Information from the department of health includes health care services provided by the state of Arkansas. Visit http://www.healthy.arkansas.gov.

Arkansas Health Insurance High Risk Pool

The Patient Protection and Affordable Care Act established temporary national high risk pools to provide health insurance coverage to individuals with pre-existing conditions. The Federal Pre-Existing Condition Insurance Plan (PCIP) in Arkansas requires enrollees to pay monthly premiums and out-of-pocket expenses similar to normal Arkansas health insurance policies.

Residents with PCIP pay around the same amount that people without pre-existing conditions pay in the private insurance market. Recent estimated monthly premiums for Arkansas residents are $323 for ages 0 to 34; $387 for ages 35 to 44; $495 for ages 45 to 54; and $688 for ages 55 and older. Individuals with pre-existing conditions will be able to receive health insurance coverage for physician and hospital visits, prescription drug coverage, behavioral health services, emergency visits and surgeries, and more.

Enrollees in the Arkansas PCIP pay around the same amount that people without pre-existing conditions will pay. The estimated monthly premium rates for Arkansas residents will range from $156 to $624 a month. The deductible is set at $1,000 with an out-of-pocket limit at $2,000 for in-network health care services.

This allows Arkansas residents with pre-existing conditions to utilize prescription drug coverage, emergency services, pregnancy coverage, hospital services, behavioral health services, hospice care, home health care, skilled nursing, substance abuse services, and more.

Individuals are eligible to enroll in Arkansas PCIP if they are a United States’ citizen, have an existing medical condition, and have been without health insurance for six months. For more information on the Arkansas health insurance high risk pools visit http://www.chiparkansas.org/.

To stay up-to-date on the latest health care reform news, visit: http://healthreform.kff.org/

Arkansas Medical Insurance and Health Care Programs

Arkansas Public Health Insurance Programs

The state of Arkansas offers residents quite a few public health insurance programs to assist low-income residents in getting access to affordable health care and insurance coverage. These programs include:

  • Medicaid
    The Arkansas Medicaid program provides some low-income individuals, families, and children with health care coverage. To see if you’re eligible for Medicaid or want to learn more, visit http://www.medicaid.state.ar.us/.
  • ARKids First
    The ARKids First program is designed to provide health coverage for uninsured children and low-income pregnant women. To learn more about this Arkansas medical insurance program, visit  http://www.arkidsfirst.com
  • Arkansas BreastCare Program
    Low-income women in Arkansas can get screening for breast or cervical cancer, and if diagnosed with either, can get full health insurance coverage through Medicaid. For more information, visit the programs website.
  • Arkansas Medicare
    Arkansas residents eligible for Medicare can find coverage through Medicare Advantage, Medicare Supplement and Original Medicare.

Arkansas trade workers and early retirees might be eligible for the Federal Health Coverage Tax Credit. This credit pays for 65 percent of health insurance premiums. To see if you’re eligible, go to the Internal Revenue Service (IRS) website.

Arkansas Insurance Providers

Arkansas Blue Cross and Blue Shield Health Insurance

As a non-profit insurance company, Arkansas BCBS provides a wide variety of health insurance plans with superior customer service.

Assurant Health Insurance

Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to more than 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.

Celtic Health Insurance

Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.

Golden Rule Health Insurance

Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.

Great American Health Insurance

Great American Insurance Company, part of Great American Financial Resources Inc., is a leading provider of health insurance and other coverage solutions.

Humana Health Insurance

Through affordable health insurance options, Humana helps its members better manage their health care and make informed health decisions.

John Alden Health Insurance

John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, it is part of Assurant. John Alden plans include individual health and small group coverage. It also sells Health Savings Account plans.

Mercy Health Plans Health Insurance

Mercy Health Plans, part of the Sisters of Mercy Health System that was founded in 1871, is a trusted name in health care that provides coverage to over 250,000 members with 3,400 employers.

QCA Health Plans Inc. Health Insurance

QCA Health Plan, Inc. has offered a comprehensive line of health insurance products to customers since its inception in 1994.

Standard Security Life Health Insurance

The Independence Holding Company (IHC) provides management services to large companies that deliver insurance solutions to groups and individuals. As divisions of IHC, the Standard Security Life Insurance Company of New York and the Independence American Insurance Company offer various lines of life, health and disability insurance.

Time Insurance Health Insurance

Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.

Time Short Term Health Insurance

Today, Time Short Term health insurance is offered through the Assurant name. Time short-term health plans provide comprehensive coverage for a temporary period of time at affordable rates.

United Security Life Health Insurance

United Security Life squarely focuses its products for individuals and families. For almost 15 years, United Security Life has been providing affordable and comprehensive individual health plans.

UnitedHealthOne Health Insurance

Golden Rule, a United Healthcare company, has been offering affordable health insurance solutions for over 60 years.

WorldIns ExpressMed Health Insurance

World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.

Important Contacts and Links

Arkansas Insurance Department and Department of Health

Find the contact information for the Arkansas health insurance and health services departments at:

Arkansas Insurance Department
1200 West Third Street
Little Rock, AR 72201
Phone: (501)371-2600
http://insurance.arkansas.gov/

Arkansas Department of Health
4815 West Markham
Little Rock, AR 72205
Phone: (501) 661-2000
http://www.healthy.arkansas.gov/