Best Medicare Supplement Plans in Arkansas

Written by: 
Matt Kiggins
Last updated: 
Feb 8, 2023

Medigap policies in Arkansas are designed to work with Original Medicare, eliminating gaps that may otherwise make Medicare benefits expensive and challenging to manage. In addition, Medigap insurance works along with Original Medicare to cover out-of-pocket costs that aren't included in Medicare Part A and Medicare Part B benefits.

Of the 10 plans available, we found Cigna Medicare Supplement Plan G in Arkansas to be the best plan for those wanting the most comprehensive coverage, with a monthly rate of $138.86 per month for a 65 year-old female.

We also found the second best plan to be Medigap Plan N with Aetna, coming in at $108.87 per month.

And for those wanting the lowest possible monthly rate, High Deductible Plan G with Cigna came in with the best rates at $49.02 per month.

The following 4 plans are the most popular in Arkansas today, but there isn't a one-size-fits-all Medigap policy.

Best Plan G:

Cigna Medicare Supplement Plan G

  • Cigna Medicare Plan G is a comprehensive option available to Medicare beneficiaries, as it covers a wide variety of out-of-pocket costs - excluding the deductible for Part B.


When selecting Plan G, there are a variety of benefits worth noting:

  • Offers coverage for Part B excess fees, the Medicare Part A deductible, and all coinsurance costs associated with Part B.
  • No referrals necessary.
  • Experience the ease of choosing any healthcare provider that accepts Original Medicare.

Plan Cost: $138.86

*Quotes for a 65 year old non smoking female in zip code 71630

Best Plan N:

Aetna Medicare Supplement Plan N

Aetna Medicare Plan N is the ideal cost-saving alternative for those looking to pay lower premiums than with Medicare Plans F or G.


Plan N offers a wide array of advantages, such as:


  • Skilled nursing facilities
  • $0 Part A deductible
  • Foreign travel emergency healthcare
  • Maximum $20 copay for office visits
  • Maximum $50 copay for an ER visit (waived if admitted)

Drawbacks to Part N:

  • Must pay Part B deductible
  • Must pay Part B excess charges
  • Must pay copays for office visits and ER visits

Plan Cost: $108.87

*Quotes for a 65 year old non smoking female in zip code 71630

Best High Deductible Plan G:

Cigna High-Deductible Plan G

  • Arkansas beneficiaries can take advantage of the comprehensive benefits offered by Cigna's High-Deductible Plan G with a much more affordable monthly premium. Benefits become accessible after you pay your annual deductible of $2,700.

Plan Cost: $49.02

*Quotes for a 65 year old non smoking female in zip code 71630

Best Full Coverage

Mutual Of Omaha Medicare Supplement Plan F

  • Exclusively available to Arkansas beneficiaries with Original Medicare effective dates prior to 2020, Mutual Of Omaha's Plan F maximizes your coverage and helps you save money by covering the Part A deductible, Medicare Part B deductible and all coinsurances.


Plan Cost: $158.85

*Quotes for a 65 year old non smoking female in zip code 71630

Find Plans in Your Area
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How Much Does a Medigap Plan Cost in Arkansas?

The best price for Medicare Supplement Plan G in Arkansas is $138.86 per month with Cigna.

Your age and plan choice will have the most significant impact on your premium.

Here you can see how the prices compare for several different plans:

Medigap Plan

Plan G

Plan N

High Deductible G

Plan A

Plan K

Plan F

Monthly Cost

$138.86

$108.87

$49.02

$107.54

$70.77

$158.85

Plan Popularity in Arkansas

45%

25%

15%

8%

-1%

60%

Quotes are for sample purposes only. Prices are the average monthly rate in Arkansas for a 65-year-old female nonsmoker. Part B start date and or medical underwriting may affect your rate.

When can I apply for a Medicare Supplement plan?

Every beneficiary has a unique Medigap Open Enrollment Period that opens at the start of the month you turn 65 and lasts for the next six months. During those six months, all beneficiaries enjoy the following guaranteed issue rights:

  • Guaranteed acceptance into the beneficiary's plan of choice
  • No medical underwriting, so current health conditions and pre-existing conditions aren't factors in rating
  • Policy continuance as long as premiums are paid

Some beneficiaries enjoy eligibility for special enrollment periods with the same guaranteed issue rights after the Initial Enrollment Period. Talking to a licensed insurance agent or one of our Policy Guides may help beneficiaries determine the best time for enrollment.

FAQ:

When can I change Medigap plans?

Beneficiaries can't switch to a new Medigap insurance policy without going through medical underwriting unless they qualify for a special enrollment period. For instance, a beneficiary may change with guaranteed issue rights if they move out of state or out of their plan's current coverage area.

After switching Medicare Supplement plans, beneficiaries have 30 days to change their minds. After that, the Free Look Period requires beneficiaries to pay premiums for both policies for one month in exchange for the right to switch back if desired.

Can I be denied Medigap coverage?

No Medicare insurance company can deny coverage to a beneficiary applying within their Initial Enrollment Period. In addition, beneficiaries enjoy guaranteed issue rights that ensure acceptance into the plan of their choice during those six months.

Outside the Initial Enrollment Period, the insurer can deny a beneficiary's application or increase rates based on pre-existing conditions. The only exception is a beneficiary qualifies for guaranteed issue rights during a special enrollment period.

Ready to Learn More?

We help educate Medicare beneficiaries on their Medigap options and help them go through the process of reviewing and comparing plans. We work with most of the nation's top-rated Medigap carriers, such as Aetna, Cigna, Mutual of Omaha, and Florida Blue Medicare plans. So give us today, or request a quote online to learn more about Aetna Medicare Supplement plan G and Mutual of Omaha Medicare Supplement plan G in your state. We educate you on the best Medicare Plans for your situation, then let you decide.

Matt Kiggins
Matt Kiggins
Senior Editor
SeniorLifeInsurancePlans.com

For over 15 years, Matt Kiggins has been the senior editor at Senior Life Insurance Plans, giving detailed advice on Medicare, life insurance, and dental coverage to thousands of clients in more than forty states. His demonstrated expertise in assisting people with their health plan selection is remarkable — it’s evident that he stands out among competitors as the go-to source for knowledge and support.

Matt holds a resident 2–15 Florida Health & Life (Including Annuities & Variable Contracts) Agent License in Florida, his state license number is P116762 (Issued 10/1/2007).

Read Full Bio
Matt Kiggins
Matt Kiggins
Senior Editor
SeniorLifeInsurancePlans.com

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755279

3001965232

9559070

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0H72252

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322182

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