Arkansas Medicare Supplement Quote

Dear Website Viewer,

     You most likely have found this website because you are looking for a Medicare supplement quote. Whether you are on Medicare now or will be soon or are helping someone else that needs insurance, this site will help you find the right Medicare insurance for you, while providing you with all the facts of Medicare and giving you real examples of persons who we have helped with their Medicare insurance needs. Some of these examples will mirror the position you find yourself in today, and will give you some ideas on what route you would like to take on addressing your Medicare insurance needs. If you have question at any time please call 870-668-3100 to get professional advice on your particular situation. There is no charge for the services we provide. You will not pay a penny more for the insurance product you choose by using an insurance professional, and in fact, you will receive the very best customer service. Please read on.
     We will start with individuals that will be coming onto Medicare soon. Will you be turning 65 soon? If you worked more than 10 years in the United States, you will automatically be enrolled in Medicare Part A. If you are drawing a Social Security check, you will automatically be enrolled in Medicare Part B and start receiving a premium withdrawal for Part B, out of your Social Security check, in the amount of $96.40. You will receive a letter from the Social Security office that allows you to opt out of Part B if you choose. If you are not drawing a Social Security check, you will have to notify the Social Security office, that you would like to enroll in Medicare Part B. The only reason you may not want to enroll in Medicare Part B, is if you are currently employed and are enrolled in a group health plan. Please view the graph below, that displays the benefits of each type of Medicare supplement.

    Medicare supplements, sometimes referred to as medigap policies, help to pay for some or all of the gaps in Medicare. You will notice that a Plan A does not cover as many gaps as a Plan F or J; therefore a Plan A supplement will cost less than a Plan F or J. It is very important to note that Medicare supplements are standardized from company to company. For example, AARP's Plan F is identical in coverage to that of any other insurance company's Plan F. Apples to Apples. Once a person is educated on these facts, they will become aware that premium is the deciding factor. If company "XYZ" was selling their Plan F for $175 per month and you could get company "ABC's" Plan F for $120 per month, who would you choose? The old adage, "you get what you pay for" is not true with Medicare supplements. This fact is important to remember, because in the future, you will incur rate increases to you Medicare supplement policy. By contacting us, we can find you another company that offers the identical plan you have for less premium. It is important to know that you can change your Medicare supplement at any time of the year. Another important fact to remember when shopping for a Medicare supplement is that federal law requires that if a doctor or facility accepts Medicare, they have to accept your Medicare supplement. You will also be pleased to know that your Medicare supplement is good at any doctor or facility in the United States, as long as that doctor or facility accepts Medicare. If a person chooses a Plan F or J, they will find that they never pay for any medical bills (excluding drugs). A Plan F and Plan J pay for all the gaps in Medicare, therefore leaving you with no medical bills to pay. With a Plan F or J, you will never have a co-pay at the doctors office, the hospital, the outpatient clinic, etc. The only facilities you can incur bills at will be a dentist office, or an ophthalmologist (eye doctor). This is because Medicare (and the supplement) pay for all medically necessary procedures. Unfortunately, most dental and eye services are not seen as "medically necessary." Medicare does cover cataracts (and the first pair of frames and lenses) and certain "medically necessary" dental services. There are plans that (in most cases) we can make available to our clients, that will cover dental and vision services. The only other plan an individual needs after they enroll for a Medicare supplement, is a Medicare Drug Plan. That is our next topic.
     Medicare Drug plans come in 3 varieties. You have a basic, enhanced, and complete. They may sometimes be referred as something different than those three categories. When looking for the best drug plan, it is helpful to use the "drug plan comparison" off the Medicare website. Click here to go there now. This is also a service we provide. Call us @ 870-668-3100 or click the "get a quote" tab and we can help. By using this tool, you can find a plan that gives you the best rate while providing the best coverage for the medications you take. You should be able to find a plan for less than $30 per month. Drug plans are "guaranteed issue", meaning you can not be declined for any health related reason. You can change your drug plan during the "annual election period" from November 15th - December 31st.
     Medicare Advantage plans are plans that take the place of Medicare Part's A and B, although you are still required to pay the $96.40 Part B premium. These plans are available normally at a much lower rate than that of a Medicare supplement. These plans have co-pays for most all health care services. These plans are similar to Medicare Parts A and B and are legally required to provide "as good or better" benefits than that of Medicare Part's A and B. These plans do provide better benefits in most cases but the argument can be made that in many other cases they provide less benefits. These plans range in benefits, depending on company, and your geographical location. It is possible that you could live in an area where some of these plans are available at a $0 premium (you are still required to pay the Medicare Part B premium). Before making a decision to go with one of these type plans, be sure you know all the facts. Advantage Plans can be very confusing and complex. You should have a professional help you in the process. Call us today @ 870-668-3100, to get sound advice about the plans available in your area and which one is right for you.


Definition of Medicare - The United States government's program for: Senior citizens (65 years of age and older), certain younger persons with disabilities, and persons diagnosed with "End Stage Renal Disease;" permanent kidney failure requiring dialysis or a transplant.

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Medicare consists of 4 parts: Medicare Part A, Part B, Part C, and Part D. Don't confuse these with the supplements that use the same letters to describe their plans. Remember, Medicare is "Part" A, B, C, and D and supplements are referred to as "plan A,B,C, D, etc.".

Medicare Part A is the part of Medicare that covers hospice care, home health care, skilled nursing facilities, and inpatient hospital stays.

Medicare Part B is the part of Medicare that covers doctor's services, outpatient hospital care, and other medical services that Part A doesn't cover such as physical and occupational therapy. Other examples include X-rays, medical equipment or limited ambulance service.

Medicare Part C is the part of Medicare that, if a person elects to participate in and is eligible for Part A and B, takes the place of Medicare Part A and B. Certain insurance companies have contracts with the Federal Government to provide "as good or better coverage than Medicare Part's A and B. When a person chooses to participate in Medicare Part C and elects to have a Medicare "Advantage Plan", Medicare no longer is responsible for paying for that members claims. The insurance companies that participate in these types of plans, receive a subsidy from the Federal Government. There are several types of Medicare Advantage Plans including PPO's, HMO's, Medical Savings Accounts, and PFFS (private fee for service).

Medicare Part D is a federal program to subsidize the costs of prescription drugs for Medicare beneficiaries in the United States that was enacted as part of the Medicare Prescription Drug, Improvement, and Modernization Act of 2003 (MMA) and went into effect on January 1, 2006.