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Arkansas health insurance
If you are a healthy individual, you must be wondering about the need for a health insurance plan. However, you only need to think about the exorbitant health care bills in case you have you face a serious illness to realize the importance of having a suitable health insurance plan. If you are a resident of Arkansas, go through the page below to understand the different options open to you.
Medical underwriting in Arkansas
In the state of Arkansas, companies offering health insurance are free to refuse your application for a health insurance plan. This is because the companies are free to consider factors such as your age and health when they are deciding on your application for insurance. Even people who have federal eligibilities are not guaranteed insurance covers from private carriers. However, you can get a plan through CHIP. Additionally, the companies are also free to impose exclusionary periods for covering a condition. They are also free to look back as many months as they want at your health status reports. They may even impose a permanent exclusion period on you for a particular condition.
High risk pool in Arkansas
People who are unable to secure insurance from private carriers can look at the high risk pool provided by the state of Arkansas. You can find these plans under the Arkansas comprehensive health insurance pool (CHIP).
Individual health plans in Arkansas
As an individual, you have a wide range of choices in plans. You can go for HMOs, PPOs, or POS type of programs. The plan you opt for will depend on the deductible and premium level you are comfortable with. Depending on this, you would also have to look for the plan which provides benefits that are suitable for you.
Insurance for small business and groups
Group health insurance can be got through employers, associations or unions. However, as in individual health insurance, medical underwriting is allowed here. The average premium you may expect to pay for a group insurance plan will vary, depending, among other factors, on the contributions your employer makes.
Coverage under COBRA
Laws under the Consolidated Omnibus Budget Reconciliation Act of 1985 apply in the state of Arkansas. According to this law, a company employing more than 20 people is obligated by law to continue covers for an employee who, for some reason, is no longer employed with the company. The covers also have to be extended to his family.
Arkansas Medicaid plans
Medicaid plans are also offered in the state of Arkansas. Under this state and federal sponsored program, health plans are offered to people who have a low income, are pregnant, disabled or residents of nursing homes. Some of the people receiving Medicare are also eligible for this program. Plans are offered to these individuals, always providing that they meet certain income requirements.
Arkansas also offers the ARKids First children’s health insurance program. Under this program, health insurance is provided to children below the age of 19, provided they meet certain income criteria.
Easy Quotes from the Top Arkansas Health Insurance Carriers
Our service is the best way for you to secure the most suitable Arkansas health insurance quote for yourself. You will get quotes on health insurance from the top health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.
An easy, fast and free way to find Arkansas Health Insurance
Our process is quick, easy and free. The only thing you have to do is to fill in a simple form with your information. The information will be kept confidential and will be used only to provide you with medical insurance quotes. As soon as you complete this form, you will receive instantaneous quotes from the top carriers. If you want, you can buy the plans online also. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.
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