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Compare options, including Medicare Advantage, Medicare Supplement, and prescription plans.
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Toni Aldridge
Kevin Hatfield
Shannon Davis
Tyler Eby
Kayla Torry
Brandon Kauffman
Calvin Fritz
Sara Morrissey
Matt Willenborg
Ariel De Jesus
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Get the help you need to enroll in Medicare, from Original Medicare to supplemental coverage.
Use your coverage
Receive extended support to help you use your plan effectively, find doctors, and get savings.
A Snapshot of Medicare in Arkansas
In Arkansas, 55% of Medicare beneficiaries have Original Medicare. The other 45% are enrolled in Medicare Advantage or other Medicare health plans. Original Medicare includes Part A (hospital insurance) and Part B (medical insurance). Medicare Advantage plans include Part A and Part B coverage and also usually include Part D (prescription drug) coverage. If you are on a Medicare Advantage plan that doesn’t include Part D coverage or are on Original Medicare, you can get a separate Part D plan for prescription coverage.
Medicare Supplement Insurance (also called Medigap) helps cover the out-of-pocket costs that Original Medicare leaves behind. In Arkansas, Medigap plans of the same letter offer the same benefits, regardless of the insurance company. However, prices can vary between insurers, so it's worth comparing costs for the same plan (e.g., a Plan G from Humana vs a Plan G from Cigna).
Original Medicare doesn't cover most routine dental care, eye exams, or hearing aids. Many Medicare Advantage plans offer these additional benefits, but coverage and costs vary by plan. It's important to review what's included, any coverage limits, and what you may need to pay alongside the disadvantages that can come with Medicare Advantage plans.
How to apply for Medicare in Arkansas?
Medicare eligibility in Arkansas follows the same nationwide rules as everywhere else in the country. You qualify for Medicare as a US citizen if you meet one of these criteria:
- You're 65 or older
- You have a qualifying disability, such as End-Stage Renal Disease or ALS
- You've received SSDI for 24 months or more
Enrolling in Arkansas takes three key steps:
- Sign up for Original Medicare (Part A and Part B)
- Decide on your supplemental coverage:
- Medicare Supplement (Medigap)
- Medicare Advantage (Part C)
- Part D (prescription drug coverage)
- Confirm your doctors are in network, update your pharmacy with your new plan, and activate any additional benefits included with your coverage
FAQs
Where can Arkansas residents get personalized help comparing Medicare options?
Licensed advisors at Chapter provide free guidance to help Arkansas residents evaluate their coverage options. An Arkansas Medicare agent can help you find the coverage that covers your doctors and prescriptions and maximizes your savings. Schedule a free consultation or call Chapter at (855) 900-2427.
Why can Medicare Advantage plan options differ between counties in Arkansas?
Medicare Advantage plans are offered by private insurance companies. As a result, Arkansas residents may have different plan options depending on which county they live in. Available plans can vary in benefits, premiums, prescription drug coverage, and provider networks. Residents can enter their ZIP code into Medicare's Plan Compare tool to see which options are available in their area.
What should residents in rural Arkansas evaluate when reviewing Medicare Advantage network options?
If you reside in a non-metropolitan area of Arkansas, verify that any providers you see, including local physicians, regional medical centers, and specialists participate in your plan’s network. Assess potential travel distances to in-network care facilities, mandatory specialist referrals, and out-of-pocket expenses for out-of-network services. Reconfirm network status directly with insurers and medical providers. If you have Original Medicare, you don’t need to worry about provider networks because you get full coverage for any doctor who accepts Medicare nationwide—which is the vast majority of doctors.
When can Arkansas residents modify their Medicare health plans?
The Annual Open Enrollment Period runs from October 15 through December 7. During this period, Arkansas residents can change their Medicare coverage. They can move between Original Medicare and Medicare Advantage, pick a different Medicare Advantage plan, or change their Part D prescription drug coverage. From January 1 to March 31, the Medicare Advantage Open Enrollment Period provides another opportunity for people on a Medicare Advantage plan to switch to a different Medicare Advantage plan or return to Original Medicare.
