Springdale, Arkansas, is home to nearly 100,000 Medicare beneficiaries. Around 35% of Medicare enrollees choose to enroll in Medicare Advantage programs.
In the following sections of this article, we’ll cover the advantages and disadvantages of Springdale, Arkansas, Supplemental Medicare plans.
Springdale, Arkansas Supplemental Medicare Plans
An Arkansas Medicare Supplement plan allows you to receive coverage for services that typically require out-of-pocket payment. Those with Medicare can choose between a Medicare Advantage plan and a Medigap plan, which offer different benefits. The below quotes are based on a 65-year-old female.
Cheapest Medicare Advantage Plans in Springdale, Arkansas
In Springdale, you can choose from 37 different Arkansas Medicare Advantage plans. The price and coverage of these plans vary, but all of these options provide significant value for beneficiaries.
Wellcare (HMO) is among the best options available. As a three-star rated company with a relatively low MOOP (maximum out-of-pocket) of $4,900, Wellcare excels in affordability and quality. Wellcare has a rewards program that provides gift cards for its members.
A second excellent option for clients who prioritize the quality of service is Arkansas Blue (HMO). Although this option has a 4-star rating and zero-dollar monthly premiums, it does have a higher MOOP than alternatives. However, with a cost of $5,500, this MOOP may be too expensive for some beneficiaries.
UnitedHealthcare (local PPO) offers excellent functionality and affordability regarding PPO plans. UnitedHealthcare is a viable alternative to HMOs with a zero-dollar monthly premium and a $5,900 out-of-pocket maximum. It provides coverage for dental, vision, and hearing.
| PLAN | PREMIUM | MOOP | Plan Type | Star Rating |
| Wellcare | $0 | $4,900 | HMO | 3 |
| Arkansas Blue | $0 | $5,500 | HMO | N/A |
| Humana | $0 | $4,400 | HMO | 4 |
| Health Advantage | $0 | $6,000 | HMO | 3 |
| UnitedHealthcare | $0 | $5,900 | LOCAL PPO | 4 |
Average Medicare Supplement Plans in Springdale, AR
Springdale, Arkansas, Supplemental Medicare plans will ensure that your healthcare is completely covered. By expanding coverage, these plans protect beneficiaries from costs they would otherwise have to bear with Original Medicare in Arkansas. These plans provide the same benefits no matter where you’re, but your location will affect the cost.
The comprehensive coverage offered by Plan G makes it popular with beneficiaries. It costs between $131.30 and $427.25 to purchase this Medigap policy. Under this plan, insurance will cover all medical expenses, including Part B deductibles.
Plan F is another popular Medigap option. With premiums ranging from $158.85 to $459.99, this option is more expensive than other Medigap plans but offers attractive benefits. In addition, Medicare covers excess charges under Plan F, which has the most comprehensive coverage of all Medigap plans.
With premiums ranging from $105.67 to $311.83, Plan N provides a more affordable yet effective alternative for Arkansas beneficiaries. Most medical services will require Plan N beneficiaries to pay a co-pay.
| 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 |
Affordable Medicare Part D in Springdale, AR
If you’re a Medicare beneficiary in Springdale, Arkansas, your prescription drug plan will cover any medication your physician prescribes. This coverage is essential because Medicare Advantage plans don’t cover these expenses, and some Medigap plans don’t, either. Therefore, Part D enrollment in Arkansas is critical to enrolling in Medicare.
Aetna offers the least expensive local plan with a monthly premium of $6.40 and a deductible of $480. If your income is over a certain amount, there may be extra charges. You also have to pay out-of-pocket costs.
Plan premiums for Wellcare are higher, at $12.90 a month with a deductible of $480. Its Over-The-Counter benefit allows you to purchase many medical supplies through insurance. It may not cover all medications, so you’ll want to ensure that it covers yours.
Arkansas Blue offers a lower deductible of $350, but its premiums are $24.60. Its plan allows you to mail-order your prescriptions. The plan also provides Health and Wellness programs to all its members.
| 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 Springdale, AR
A Special Needs Plan (SNP) is a Medicare Advantage option in Springdale, Arkansas, available to beneficiaries with unique medical needs. Check if you qualify for one of these plans, as they can significantly benefit some beneficiaries.
Humana offers SNPs with a MOOP of $4,400 to patients with chronic or debilitating conditions. . It has a plan for those with chronic conditions such as diabetes. This plan covers dental, vision, hearing, and nonemergency transport.
Tribute Health provides a plan with a monthly out-of-pocket budget of $7,550 and dual eligibility. These plans assign each member a personal care manager. They offer low costs, and even free, prescription drugs.
Another solid option with dual eligibility, Aetna’s program, offers a MOOP of $7,550. It provides coverage for eyeglasses and hearing aids. As well, each member is assigned a personal care team.
| PLAN | PREMIUM | MOOP | Plan Type | Eligibility |
| Aetna | $0 | $7,550 | HMO | Dual |
| Tribute Health | $0 | $7,550 | HMO-POS | Dual |
| Humana | $0 | $4,400 | HMO | Chronic or Disabling |
| UnitedHealthcare | $0 | $7,550 | LOCAL PPO | Dual |
| Humana | $0 | $3,450 | HMO | Dual |
FAQs
What is the least expensive Medicare Supplement plan in Springdale, AR?
Plan HDG is the least expensive Medicare Supplement plan in Springdale, Arkansas — although there are downsides to consider. Plan HDG is a high-deductible plan, meaning that monthly premiums are much lower than competing options, but the deductible is also higher.
Do Medigap plans cover drugs in Springdale?
Prescription drug coverage isn’t covered under most Medigap plans in Springdale, Arkansas. However, beneficiaries can avoid paying for these costs by choosing one of the many Part D plans offered in the state.
How much is Medicare Part A in Springdale, AR?
For most residents, there is no monthly premium for Medicare Part A. However, a deductible applies in most cases.
Do Medigap premiums increase with age in Springdale, AR?
Depending on the provider’s rating system, Medigap premiums may increase with age in Springdale, AR. This increase only applies to attained-age-rated programs, as entry-age programs will remain consistent in cost.
How do you sign up for Medicare in Springdale, AR?
Medicare enrollment is automatic for Social Security recipients living in Springdale, Arkansas. Upon reaching 65, the state will automatically enroll you in the program.
Contact the Social Security Administration or visit their website if you don’t receive Social Security benefits.
How to Sign Up for Supplemental Medicare in Springdale
It’s normal to feel overwhelmed when signing up for Medicare in Springdale, Arkansas, as the process can be complex and challenging to decipher.
However, if you’re struggling to choose the right supplemental Medicare coverage, you can count on our helpful staff to help you find the ideal plan for your individual needs. Our licensed insurance agents are always happy to help residents of Springdale find better coverage.
So call today or fill out our online rate form to get connected with the best rates for Springdale, Arkansas.
