Supplemental plans are available to fill gaps not covered by Original Medicare in Fort Smith, Arkansas. For Fort Smith, the number of Plan A and B beneficiaries is 80,324. The MA participation rate for Fort Smith is 32.58%.

Fort Smith, Arkansas Suppelemtanl Medicare Plans

Medicare beneficiaries in Fort Smith, Arkansas, who enroll in a Supplemental Medicare plan can significantly improve their healthcare. by covering additional costs not covered under their Arkansas Original Medicare plan.

The below stats are based on a 65-year-old male.

Cheapest Medicare Advantage Plans in Fort Smith, AR

There are 54,151 FFS Beneficiaries and 26,173 Arkansas Medicare Advantage beneficiaries in Fort Smith. FFS is a fee-for-service where a provider pays for each service. Examples of FFS include Original Medicare and some Medicare Advantage plans.

Arkansas Blue is a popular choice, as it has a zero-dollar monthly premium and a $5,500 MOOP rate (maximum out-of-pocket). In addition, this plan is a Local PPO, meaning it has a small service region.

Aetna is also another Local PPO. Aetna has a four-star rating, a zero-dollar monthly premium, and a $5,800 MOOP rate. A majority of their plans include dental, vision, and hearing.

For a popular HMO, many Fort Smith residents turn to Health Advantage. This three-star rating plan has a zero-dollar premium and a $6,000 MOOP rate. HMOs only cover in-network care, though, and require referrals for any specialty care.

PLAN PREMIUM MOOP Plan Type Star Rating
Arkansas Blue $0 $5,500 LOCAL PPO N/A
Humana $0 $3,900 REGIONAL PPO 3
Aetna $0 $5,800 LOCAL PPO 4
Health Advantage $0 $6,000 HMO 3
Wellcare $0 $4,900 HMO 3

Affordable Medicare Supplement Plans in Fort Smith, AR

Arkansas Medicare supplemental plans cover medical costs not covered under Original Medicare in Fort Smith. Since the government standardizes these plans, they all have the same benefits across the country. The only difference between the plans is the monthly premiums.

Plan G is popular among Fort Smith residents. Its premiums range from $131.30 to $427.25. It doesn’t cover medications, so for those, beneficiaries would still need a Part D plan.

Another plan patients choose is Plan HDG. This plan’s premiums are $39.53 to $63.50. It balances these low premiums with a higher deductible, so that’s something to consider.

Patients also can choose Plan HDF. This popular plan has a premium range similar to Plan HDG, with premiums ranging from $39.53 and $85.05. However, this plan is discontinued in many places, so it may not be available in your area.

LETTER PLAN LOWEST PREMIUM HIGHEST PREMIUM
PLAN A $107.54 $379.64
PLAN B $160.17 $851.10
PLAN C $164.72 $356.50
PLAN D $139.66 $291.00
PLAN F $158.85 $459.99
PLAN HDF $39.53 $85.05
PLAN G $131.30 $427.25
PLAN HDG $39.53 $63.50
PLAN K $64.83 $151.00
PLAN L $81.67 $216.32
PLAN M $98.83 $264.39
PLAN N $105.67 $311.83

Average Medicare Part D in Fort Smith, AR

Original Medicare plans in Fort Smith, Arkansas, don’t cover some prescriptions. Also, Medigap plans don’t cover any medications, and only some Medicare Advantage plans cover medications. As a result, many patients decide to enroll in a stand-alone Part D plan to solve this problem.

Aetna has a $6.40 monthly premium with a $480 deductible and a three-star rating. It covers prescription medication for Arkansas through its Silver Script program. It also offers a 24-hour nurse line.

Clear Spring Health has a $16.80 monthly premium, a $480 deductible, and a two-star rating. It offers both PPO and HMO coverage. All of these cover prescription drugs.

Patients can also choose Arkansas Blue. This plan has a $24.60 monthly premium, a three-star rating, and a $350 deductible. Recently, these plans have included a $500 debit card to help cover expenses.

PLAN PREMIUM DEDUCTIBLE STAR RATING
Aetna $6.40 $480 3
Wellcare $12.90 $480 3
Clear Spring Health $16.80 $480 2
Humana $22.70 $480 4
Arkansas Blue $24.60 $350 3

Medicare Special Needs Plans in Fort Smith, AR

A subset of Medicare Advantage plans, Special Needs Plans (SNPs), are used to help people with special needs or chronic disabilities. They can help patients with conditions not covered under Original Medicare in Fort Smith, Arkansas.

Tribute Health is an HMO-POS plan available with a zero-dollar monthly premium, a MOOP rate of $7,550, and dual eligibility. It covers medical equipment like walkers and physical, occupational, and speech therapies. It covers both Original Medicare and Part D.

UnitedHealthcare also has dual eligibility, a zero-dollar monthly premium, and a MOOP rate of $7,550. However, unlike Tribute Health, it’s a Local PPO. So, that limits provider options.

Some patients opt for Humana instead. Humana is an HMO with a zero-dollar monthly premium, a MOOP rate of $3,450, and dual eligibility. Humana also offers plans for those with chronic conditions like heart disease.

PLAN PREMIUM MOOP Plan Type Eligibility
Tribute Health $0 $7,550 HMOPOS Dual
UnitedHealthcare $0 $7,550 LOCAL PPO Dual
Humana $0 $3,450 HMO Dual
Aetna $0 $7,550 HMO Dual
UnitedHealthcare $4.60 $7,550 REGIONAL PPO Chronic or Disabling

FAQs

What are the four types of Medicare in Fort Smith, AR?

In Forth Smith, AR, four main types of Medicare are available. These four types are:

  • Health Maintenance Organization (HMO) Plans
  • Preferred Provider Organization (PPO) Plans
  • Private Fee-for-Service (PFFS) Plans
  • Special Needs Plans (SNPs)

How do you apply for Medicare in Fort Smith?

To apply for Medicare in Fort Smith, AR, you can call the Social Security Administration or apply through their website.

You may also need documents such as proof you’ve enrolled in Medicare and documents that prove your age, military service, citizenship, and prior income.

What is the least expensive Medicare Supplement plan in Fort Smith, AR?

A few Medical Supplement plans in Fort Smith, Arkansas, are popular. However, for the least expensive one, many choose Plan N.

Can I switch from a Medicare Advantage plan to Original Medicare in Fort Smith, AR?

Yes, you can switch from a Medicare Advantage plan to Original Medicare.

You can do this during the Open Enrollment Period, which runs from October 15 to December 7 each year.

When can I change Medicare Advantage plans in Fort Smith, AR?

You will have to change Medicare Advantage plans during the Medicare Open Enrollment period (October 15 to December 7) or during the Medicare Advantage Open Enrollment period (January 1 to March 31).

How to Sign Up for Supplemental Medicare in Fort Smith

Supplemental Medicare plans in Fort Smith, Arkansas, can be a great way to ensure you have the coverage you need. When you work with our team of licensed insurance agents, we will help get you set up with the best plan for your needs. We offer free services, and we will work with all carriers in Fort Smith.

So, give us a call today. Or fill out our online rate form to get the best rates in your area!

Picture of the author
by Lindsay Malzone, Lindsay Malzone is the Medicare expert for Medigap.com. She's been contributing to many well-known publications as an industry expert since 2017. Her passion is educating Medicare beneficiaries on all their supplemental Medicare options so they can make an informed decision on their healthcare coverage.