|Plan Type||Est. Premium*|
|Medigap Plan A:||$105.10||(shop rates)|
|Medigap Plan F:||$145.10||(shop rates)|
|Medigap Plan G:||$125.00||(shop rates)|
|Medigap Plan N:||$102.80||(shop rates)|
*Premiums shown are samples for a 65 year old, non-smoking woman in Arkansas. You must request a quote to get an exact premium for your situation.
The Arkansas State Board of Insurance has licensed Blue Cross Blue Shield of Arkansas to sell BCBS of Arkansas Medigap plans (Medicare Supplement insurance) to Arkansas seniors with Medicare benefits. Supplemental insurance protects you from hospital and doctor bills not covered by Original Medicare (e.g., deductibles, copayments and coinsurance, etc.). The company has been selling supplements for more than The carrier offers a range of standardized plans (see below). years. Their full range of plans for Arkansas seniors are listed below. BCBS of Arkansas received an A rating from A.M. Best Company, the leading provider of credit ratings and financial data for the insurance industry.
All insurance companies that sell Medicare Plans must offer Plan A. This is the most basic policy covering the portions of Medicare Part A and Part B that the government doesn’t pay.
Arkansas seniors with Medicare benefits are eligible to apply for a Blue Cross Blue Shield of Arkansas Medigap Plan A policy. It's a Community Rated based premium. We recommend comparing this company's Plan A rate with these carriers:
- Globe Life Medigap Plan A (Arkansas)
- UnitedHealthcare Medigap Plan A (Arkansas)
- Medico Medigap Plan A (Arkansas)
Plan F is the most popular of all supplements. It offers comprehensive coverage for everything Original Medicare doesn’t cover as long as the charge is approved.
There are No Co Pays, No Deductibles and No Out of Pocket Costs with Plan F. That means if your Medicare Part A or Part B pay a penny on any doctor or hospital charges, this policy will cover the gap. Period.
The two gaps that are not covered are At Home Recovery and Preventative Care. These expenses are not covered by Medicare at all.
Plan F is by far the most commonly purchased Medicare supplement in Arkansas. Blue Cross Blue Shield of Arkansas offers a good Medigap Plan F, however, don't forget to compare prices. Make sure you're getting the lowest premium available in Arkansas by comparing quotes from these insurance carriers:
- Philadelphia American Medigap Plan F (Arkansas)
- Old Surety Medigap Plan F (Arkansas)
- Bankers Fidelity Medigap Plan F (Arkansas)
Plan G has almost as much coverage as a Plan F. The difference is the Part B deductible. After your annual Medicare Part B deductible is met, this plan will cover the coinsurance amount of Medicare-approved medical services, which is generally 20% of the approved amount.
If you stay in the hospital for longer than 60 days, but less than 90 days, Plan G covers your Medicare Part A coinsurance for each benefit period. For each Medicare “hospital reserve day” you use, Plan G pays the full per day Medicare Part A coinsurance amount. “Hospital reserve days” are 60 nonrenewable hospital days that Medicare provides you which can only be used once in a lifetime. After all Medicare hospital benefits are exhausted, Plan G covers 100% of Medicare Part A eligible hospital expenses.
Most experts agree that Plan G is the best alternative to the F Plan. It offers all of the same benefits, except the Part B deductible. Blue Cross Blue Shield of Arkansas offers a Plan G and we think it's worth comparing with the rates offered by these carriers:
- Philadelphia American Medigap Plan G (Arkansas)
- Bankers Fidelity Medigap Plan G (Arkansas)
- Reserve National Medigap Plan G (Arkansas)
Offering benefits similar to Plan D, Plan N features a $20 co-payment for doctor visits and a $50 co-payment for emergency room visits. These co-pays are applied once the annual deductible is met. Most Plan N premiums are approximately 70% of a Plan F and 77% of Plan D premiums.
Plan N gives you all of the basic coverage benefits, plus it pays your Medicare Part A deductible. You pay the Part B deductible and the Part B excess charges. You are also responsible for a $20 co-pay when you visit the doctor and up to $50 for each emergency room visit. If saving money is your goal, this plan will help. Compare premiums with these carriers before you buy:
- United National Medigap Plan N (Arkansas)
- Philadelphia American Medigap Plan N (Arkansas)
- Colonial Penn Medigap Plan N (Arkansas)
You are eligible to apply for a BCBS of Arkansas Medicare Supplement if you are:
- A resident of Arkansas,
- Enrolled in Medicare Parts A and B, and
- You are age 65 or over.
BCBS of Arkansas offers plans in Little Rock, Fort Smith, Fayetteville, Springdale, Jonesboro, Rogers, Pine Bluff, Conway and most other areas of the state.
This page is maintained by 9/22/2015.and was last updated on