Arkansas Health Insurance

If you are looking for health insurance in Arkansas, it can get a little pricey. The state of Arkansas does not limit the costs of premiums on individual policies, and these costs depend very much on your health status. In order to decide on what kind of plan to purchase, you need to know which option is best suited for you or your family's needs. Once you decide what kind of coverage you would like, then we can help match you with the right health care provider in your area of Arkansas.

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Arkansas Individual Health Care Policies (AR)

It is relatively easy to find health insurance for an individual when there is only one person applying. It may be more difficult for an entire family or if there are any pre-existing conditions. The two main types of individual plans are group and individual.

Group health insurance is more affordable and includes a few different medical networks, including HMOs, PPOs, HSAs and POSs.

Individual health insurance can be more costly, but can be designed to suit your exact needs.

Family Health Insurance Coverage in Arkansas (AR)

Having a good health care plan for your family is one of the most important things you can do to ensure their health and welfare. Typical illnesses such as the usual ear infection or strep throat can cost families hundreds of dollars to get treated without a proper health plan. If you aren't lucky enough to have a group health plan, we can provide a number of different options to choose from to best suit your needs:

Pre-Existing Health Conditions and Your Health Insurance

Even if you can afford the costly premiums, it may be tricky to get covered if you have a preexisting condition. In the state of Arkansas, an insurance company cannot deny you insurance due to a preexisting condition--at least, not if you're getting covered with insurance through your employer.

Now if you're going alone, that's a different story. For individual medical insurance, Arkansas companies can turn you down for preexisting conditions. And yes, pregnancy and genetic information can both be considered preexisting conditions in the state of Arkansas.

To learn the rules and how to apply for Medicaid, call the Arkansas Medicaid program. If you're having trouble finding health insurance to cover your preexisting condition, you might be able to purchase Arkansas Comprehensive Health Insurance Pool insurance. Arkansas Comprehensive Health Insurance Pool deals with "high-risk" insurance clients. To find out more information on Arkansas Comprehensive Health Insurance Pool insurance, contact the Arkansas Department of Insurance.

Request your free health plan quote here!

Changing Health Plans in Arkansas (AR)

Moving to Arkansas? Changing health care providers? Either way we can help you find the right plan to serve you or your family best. Changing health plans is never fun, but we can help to make it easier by helping to match you with a quality provider in your area.

Some things to know if you are just moving to Arkansas and need a new health insurance plan are:

There may be a waiting period before your new coverage kicks in, so plan for that ahead of time.
Employers in the state of Arkansas are not required to provide health plans for their employees, so if you change jobs, you may find that your new employer does not provide health benefits.
If you lose your group health insurance and meet other qualifications, you will qualify for HIPAA and can then buy individual health coverage from the Arkansas Comprehensive Health Insurance Pool (CHIP).

Arkansas Health Care Providers (AR)

Health Insurance Portability and Accountability Act (HIPAA)

Thanks to HIPAA laws, everyone is eligible for at least one type of insurance that will cover preexisting conditions, regardless of what the condition may be. The two downsides to this, however, are that most of these HIPAA covered insurance policies must be found "offline", and that they are generally two to three times as expensive as health insurance without HIPAA coverage.