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Arkansas Health Insurance

 

All health insurance policies in Arkansas are considered guaranteed renewable as long as your premiums are paid up to date.  So this means your health insurance can not be canceled because you become sick.

 

Arkansas mandates that health insurance companies cover newborns and adopted children for the first 31 days, on their parent’s policy.  But inversely pregnancy is, and can be considered a pre-existing condition, except on group health policies.  Pregnancy is a pre-existing condition but not on group health insurance.

 

If you are an individual who has poor health and is considered uninsurable by insurance companies you will be placed into CHIP.  This stands for the Arkansas Comprehensive Health Insurance Pool.  This is a high risk pool that offered insurance at fairly reasonable rates.

 

Often when looking for health insurance information, The Arkansas Department of Insurance is your best bet.  Click here to go directly to their Health Insurance Division.

 

                              Request an Arkansas Health Insurance Quote

 

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Arkansas Small Business Health Insurance

 

In Arkansas, a group health plan, can not base your health insurance premiums on your health.  This is called non discrimination.  Small Business Health Insurance in

Arkansas is also guaranteed issue, meaning that you can not be turn down for coverage.

 

Pre-existing exclusions are limited on the amount of time they can exclude coverage.  Also if you have current coverage, without lapses, that will be credited against your pre-existing period.  Pregnancy is not considered a pre-existing condition on a group health plan.

 

The maximum pre-existing waiting period is 12 months for an employee. If you are a late enrollee your maximum waiting period is 18 months.  Any pre-existing periods must be applied only after written notice.

 

Arkansas does limit the amount of a rate increase as a small business comes up for renewal.  Unlike individual plans, small business plans are given some help by the state not letting insurance companies drastically change their rates year to year.

 

For additional information about Small Business Health Insurance in Arkansas click here.

 

                              Request an Arkansas Small Business Health Insurance Quote

 

Arkansas Individual Health Insurance

 

All Arkansas Health Insurance Policies have to cover disabled children on their parent’s policy into their adulthood.

 

In Arkansas, insurance companies are able to decide if they want to insure you or not.  They can either rate you up or just refuse coverage.  Also Arkansas does not mandate what you buy, so insurance companies are able to design specific policies for specific consumers, rather than make insurance companies offer similar policies.

 

Arkansas allows health insurance companies to include pre-existing conditions clauses in all of their policies and also allows insurance companies to permanently exclude coverage for pre-existing conditions.  Health Insurance companies offer temporary pre-existing clauses with elimination riders.

 

The rates that an individual pays for an Arkansas Health Insurance Plan are based on age, location, health history, family size, sex etc.  Sadly there are no limits on how much an insurance company can charge and individual for coverage.  This is not only an issue for residents when they get onto a policy; it is also an issue for residents that are up for policy renewal.   An insurance company can not cancel your coverage due to illness, but they can drastically change your rates!

 

Having all children insured is very important to Arkansas.  ARKids First was designed to insure Arkansas uninsured children.  You can visit them directly here.

 

For additional information about Individual Health Insurance in Arkansas click here.

 

                              Request an Arkansas Individual Health Insurance Quote

 

Arkansas Self Employed Health Insurance

 

In Arkansas, Self Employed People are able to buy health insurance as an individual or as a small business.  Both have their advantages.

 

To buy you health insurance as a small business, Arkansas Self Employed people get the benefit's that small businesses receive; limited rate increases and pre-existing clauses limited.  But to buy health insurance as an Individual also has its advantages, namely a 100% tax deduction.  Either way being self employed in Arkansas is not bad.

 

Another option for affordable Arkansas Self Employed Health Insurance is often associations or self employed groups.  Just keep in mind that not all of these groups or associations are regulated by the state.

 

For more information about Self Employed Health Insurance in Arkansas click here.

 

                             Request an Arkansas Self Employed Health Insurance Quote

 

Temporary Arkansas Health Insurance

 

Many situations may arise where you find yourself without health insurance, or about to be without health insurance.  These reasons could range from graduating college to being in-between jobs.  Instead of going without health insurance you should look into getting an Arkansas Temporary Health Insurance Policy.  These policies will be cheap, with high deductibles and low coverage, but getting an Arkansas Temporary Health Insurance Policy is much better than going with out health insurance. 

 

For more information about Temporary Health Insurance in Arkansas click here.

 

                             Request an Arkansas Temporary Health Insurance Quote

 

What types of Arkansas Health Insurance are there?

 

HMO- Health Maintenance Organization.  This type of insurance is called managed care.  This means you have certain network of doctors and hospitals in Arkansas that you have to go to for care.  Most Arkansas HMO’s have office visit co-payments that range from $10 to $35, and hospital deductibles that range from $250 to $1,500.  Often the most affordable health insurance plans are HMO’s due to the fact they are managed care.

 

PPO-Preferred Provider Organization.  This type of insurance is also called managed care but it gives the consumer much more freedom; they allow you to visit any doctor or hospital in or out of network.  Most Arkansas PPO’s have an in network and an out of network charge.  If the in network co-insurance is 100% then the out of network co-insurance would be 80%.  If the in network co-insurance is 90% then the out of network co-insurance would be 70%   Typically Arkansas PPO’s offer co-payments for doctor visits as well as hospitalization. 

 

Indemnity Plan - In Arkansas, as health insurance rates continue to rise, many people are finding it more affordable to drop their health insurance and buy a Arkansas Major Medical Health Insurance Plan.  An Indemnity plan can also be called a major medical plan or catastrophic health insurance.  Whatever you call it, typically an Arkansas Indemnity Plan would cover more “major” claims.  An Indemnity plan has an annual deductible and will usually allow you to pick different co-insurance options.  Indemnity plans allow you access to any doctor or hospital, and for this reason they are typically very expensive.

 

Discount Medical Plans – In recent years many Discount Medical Plans have started to surface.  These plans have relatively inexpensive, but consumers must realize that this is not insurance.  All these companies do is to get their customers discounted rates (20-50% off) on certain procedures at certain physicians and hospitals. 

 

Federal Mandated Health Insurance Laws

 

HIPAA

Along with Arkansas Health Insurance Laws, there are Federal Laws that regulate Health Insurance companies.   HIPAA (Health Insurance Portability and Accountability Act of 1996). This act mandated federal standards for individual and group health insurance plans.  Some of the standards that it established were relative to guaranteed renew ability, crediting for prior health coverage and pre-existing condition waiting periods.

 

ERISA

Large corporations do not have health insurance policies.  Typically they are self funded, meaning the corporation pays for all of their employee’s medical bills instead of buying health insurance.  Most of these “self funded” companies are regulated by the federal government under ERISA (Employee Retirement Income Security Act)

 

COBRA

In Arkansas it is mandated, by the state, that all companies that offer an Arkansas Group Health Insurance Policy must also enable their employees to extend their health coverage temporarily; called Cobra.  An Arkansas Cobra Insurance is typically available for a time period under 18 months.   In Arkansas you are given 60 days to decide if you are going to take Arkansas Cobra Insurance or not.  Once you have passed on the opportunity to take Cobra, you are not eligible to receive it.

 

Cobra Insurance was introduced in 1985.  Cobra stands for Consolidated Omnibus Budget Reconciliation Act.  If you would like more information about your Cobra Insurance options please contact your companies HR department.

 

Often employees are surprised at the cost of an Arkansas Cobra Insurance.  The reason for this is that they are now responsible for 103% (100% of the premium plus a 3% administration fee) of a monthly health insurance premium when they probably only paid 20% while employed. 

 

Whether nor not to take Cobra is an important question, and you should realize there are alternatives to an Arkansas Cobra Insurance Policy.  One should realize what they plan to do in the future.  If you are looking for another job, and it will be a few months before you get a job, it might make sense to look for an Arkansas Temporary Health Insurance Plan.  If you are contemplating working at a consultant, it would be in your best interest to look into a Arkansas Self Employed Health Insurance Policy.   

 

 

                           Request a Health Insurance Quote from one of QuicklyQuoteMe’s Agents

 

 

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