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.

When it comes to PPO plans, UnitedHealthcare (local PPO) offers excellent functionality and affordability. UnitedHealthcare is a viable alternative to HMOs with a zero-dollar monthly premium and a $5,900 monthly out-of-pocket maximum. It offers 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 ensure that your healthcare is completely covered. These plans protect beneficiaries from costs that they would otherwise have to bear with Original Medicare in Arkansas by expanding coverage. These plans provide the same benefits no matter where you are, 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 beneficiaries who choose Plan N 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 are a Medicare beneficiary in Springdale, Arkansas, your prescription drug plan will cover any medication your physician prescribes to you. This coverage is essential because Medicare Advantage plans do not cover these expenses, and some Medigap plans do not 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 make a significant difference for 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 can also cover 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 offers 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 is not an aspect of coverage 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 do not 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 is 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.

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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.