The Best Medicare Supplement (Medigap) Plans in Arkansas

Christian Worstell
In this article...
  • Arkansas Medicare Supplement plans help pay for Part A and B copays, coinsurance and deductibles. Use this review of Medigap plans in Arkansas to pick the best one for you.

Once you're enrolled in Original Medicare, you can add on private health plans to complement your coverage. Half (50%) of those receiving Original Medicare (Parts A and B) in Arkansas also belong to a Medicare Supplement (Medigap) plan.

Through Medicare, the federal government pays for medically necessary hospital stays, physician services, diagnostic tests and treatments. Costs such as deductibles, copays and foreign travel emergency care still come out of your wallet. Medigap coverage helps pay for some remaining expenses once Medicare has paid its portion.

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

What Are the Best Arkansas Medicare Supplement Plans?

You can pick from 10 standardized Medigap plans in Arkansas. Insurance companies can decide which of the plans they wish to offer and charge any premiums they wish. When shopping for Medicare Supplement plans in Arkansas, you can count on policies within the same letter category to provide the same benefits, so you can more easily compare pricing. 

Medicare Supplement Insurance Plans 2024
Medicare Supplement Benefits A B C1 D F1 G K L M N
Part A coinsurance and hospital costs
Part B coinsurance or copayment 50% 75%
First 3 pints of blood 50% 75%
Part A hospice care co-insurance or co-payment 50% 75%
Co-insurance for skilled nursing facility     50% 75%
Medicare Part A deductible   50% 75% 50%
Medicare Part B deductible                
Medicare Part B excess charges                
Foreign travel emergency     80% 80% 80% 80%     80% 80%
1. Plans C and F are not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
2. Plans F and G also offer a high deductible plan which has an annual deductible of $2,800 in 2024. Once the annual deductible is met, the plan pays 100% of covered services for the rest of the year. The high deductible Plan F is not available to new beneficiaries who became eligible for Medicare on or after January 1, 2020.
3. Plan K has an out-of-pocket yearly limit of $7,060 in 2024. Plan L has an out-of-pocket yearly limit of $3,530 in 2024.
4. Plan N pays 100% of the Part B coinsurance, except for a copayment of up to $20 for some office visits and up to $50 for emergency room visits that don’t result in an inpatient admission.
View an image version of this table.

All Medigap plans in Arkansas cover:

From here, you can decide which additional benefits you need, such as Part A and Part B deductibles, foreign travel and skilled nursing facility coinsurance.  

Some of the more popular Medigap plans in Arkansas include:

  • Plan F: This plan is the most robust and covers all standardized Medigap benefits. However, because it includes the Part B deductible, it's only available to Arkansas residents eligible for Medicare prior to January 1, 2020.

  • Plan G: This plan is similar to Plan F but doesn't include the Part B deductible. This option is available to Medicare beneficiaries whether or not they were eligible for Medicare before 2020.

  • Plan N: If you don't need coverage of extra fees some health care providers bill, Plan N may be a suitable option. It's similar to Plan G but doesn't cover excess charges. Plan N pays 100% of most Part B copays/coinsurance, except for some physician and emergency room visits.

Have Medicare questions?

Talk to a licensed agent today to find a plan that fits your needs.

How Do I Enroll in Medigap Plans in Arkansas?

If you decide to add Medicare Supplement to your health insurance, take advantage of your personal six-month Medigap open enrollment period to receive important benefits. This period begins when you're 65 or older and enrolled in Medicare Part B.

During this window, even if you have a medical problem, Arkansas insurance companies must sell you any Medigap policy that you want at the same price as a person with no medical conditions. After the Medigap open enrollment period ends, you no longer have these protections unless you qualify for guaranteed issue rights. Guaranteed issue rights may kick in if:

  • Your health coverage through a union or an employer is ending.
  • You're enrolled in Medicare Advantage for the first time and want to return to Original Medicare after less than a year.
  • You move out of your Medicare Advantage service area or your insurer stops providing coverage.

If you qualify for guaranteed issue rights, you usually have 63 calendar days after your coverage ends to join a Medigap plan. In some cases, you may also be able to enroll before your coverage ends to ensure there's no gap.

When you apply for a Medicare Supplement policy outside of your Medigap open enrollment period or without guaranteed issue rights, an insurance company can underwrite your plan, deny coverage and/or charge higher premiums based on your health.

  1. AHIP. (Feb. 2023). The Sate of Medicare Supplement Coverage Trends in Enrollment and Demographics.

Christian Worstell
About the Author

Christian Worstell is a senior Medicare and health insurance writer with He is also a licensed health insurance agent. Christian is well-known in the insurance industry for the thousands of educational articles he’s written, helping Americans better understand their health insurance and Medicare coverage.

Christian’s work as a Medicare expert has appeared in several top-tier and trade news outlets including Forbes, MarketWatch, WebMD and Yahoo! Finance.

While at HelpAdvisor, Christian has written hundreds of articles that teach Medicare beneficiaries the best practices for navigating Medicare. His articles are read by thousands of older Americans each month. By better understanding their health care coverage, readers may hopefully learn how to limit their out-of-pocket Medicare spending and access quality medical care.

Christian’s passion for his role stems from his desire to make a difference in the senior community. He strongly believes that the more beneficiaries know about their Medicare coverage, the better their overall health and wellness is as a result.

A current resident of Raleigh, Christian is a graduate of Shippensburg University with a bachelor’s degree in journalism. You can find Christian’s most recent articles in our blog.

If you’re a member of the media looking to connect with Christian, please don’t hesitate to email our public relations team at

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