BRIDGING THE 2018 - Arkansas Insurance Department · Medicare Supplement unless the applicant agrees to drop his or her previous insurance. All Medicare supplement policies must be

BRIDGING THE GAP 2018 MEDICARE SUPPLENMENT COMPARISON (MEDIGAP) GUIDE

from the Arkansas Insurance Department division of Senior Health Insurance Informa on Program (SHIIP)

This booklet contains

Page Topic

2 Helpful Resources

3 Types of Medicare Supplement Policies

4 Significant Medicare Insurance Law

5 Special Circumstances for Medigap

6 Buyer Beware and Variables

7 Medicare Cost Part A & B

8 Medigap Plan Op ons A‐N

9‐50 Medigap Select Plans

51‐54 Medigap Plans 65 and Older

55‐57 Medigap Plans 65 and Younger

52‐53 Glossary

60 Helpful Numbers

SHIIP can help in understanding your Medicare choices

SHIIP is funded by the Administra on for

Community Living, an agency of the U.S.

Department of Health and Human Services.

SHIIP works to help people save money and

make informed decisions about Medicare.

SHIIP offers phone and in‐person

appointments to discuss Medicare choices

and answer ques ons.

SHIIP does not sell insurance or offer legal

advice. SHIIP cer fied Medicare counselors

offer unbiased informa on and referral

services.

1200 W 3rd St Li le Rock, Arkansas 72201 Toll Free: 1‐800‐224‐6330

www.insurance.arkansas.gov FIND US ON FACEBOOK AND TWITTER

Medicare Plans Change. People Change.

Shop & Compare Plans

This guide summarizes the benefits of Medicare Supplement Policies currently approved by the

Arkansas Insurance Department for sale. Inclusion of informa on in this guide regarding a policy

does not, in any way, cons tute an endorsement of the policy or company by the Arkansas

Insurance Department.

For quotes and exact premium cost contact company or agent to purchase.

Be advised that some new policies may have entered the marketplace since this publica on

was printed and will not be included. See the back cover of this publica on, lower le corner

for revision date.

Don't be alarmed if your Medicare Supplement Policy does not appear in this booklet. You

may choose to keep your policy as long as you pay the premium.

Publica on of this guide is for informa on purposes only. Please refer to the policy itself for

the complete and actual terms of coverage since the policy cons tutes the contract between

the insurer and the insured and will ul mately be the basis of final determina ons.

SHOP WITH CAUTION. Do not just buy the cheapest policy without weighing other factors

and determining the company’s financial stability and reputa on for resolving complaints.

AVOID HIGH PRESSURE SALES TACTICS. Take me and avoid being pushed into buying an insurance policy. Do not buy a policy under the pressure of limited enrollment periods or of “last chance to enroll.” Be wary of agents and sales material that imply a policy is connected with or endorsed by the government. Medicare Supplement Insurance and Long‐term Care insurance are not connected with or endorsed by the federal government.

DON’T BE MISLED BY ADVERTISING. Do not buy a policy because celebri es endorse it on television, radio, newspaper, or other adver sements. Ask ques ons before buying a policy.

BE CAREFUL HOW YOU PAY FOR POLICIES. Do not pay in cash. When purchasing Medicare Supplement Insurance, it is always best to pay by check, money order, or bank dra . Premium payments should always be made payable to the insurance company, not the agent selling the policy. If you must pay in cash, be sure to get a company‐authorized receipt signed by the agent.

KEEP YOUR POLICY IN A SAFE PLACE. Select a friend or rela ve in advance to handle your medical affairs in case of illness and let that person know where to locate your policy.

KEEP RECORDS. Write down and keep the correct name, telephone number, and permanent address of the agent and the insurance company. Ask for a toll‐free number in case you need to call long distance. Record important policy, company and agent informa on below and keep it in a safe place.

2

TYPES OF MEDICARE SUPPLEMENT INSURANCE/MEDIGAP

Most companies offer two rates: Preferred and Standard. The monthly premium amount is

based on medical underwri ng. Underwri ng is the method insurance companies use to

evaluate your health status to determine risk and insurability (if they’ll sell you a policy).

Preferred Premium

The Preferred insurance premium is typically

lower than the standard premium. Insurance

companies base their decision to offer a

preferred premium on a variety of factors

including but not limited to: smoking/tobacco

use, weight, cholesterol, blood pressure,

substance abuse, etc.

The Preferred Premiums are offered to those

purchasing during the Medigap Open

Enrollment Period (OEP) as well. See page 9

for more informa on about the Medigap OEP.

Standard Premium

The standard rates apply outside the

Medigap Open Enrollment Period and

for those with less favorable medical

histories.

3

SIGNIFICANT MEDIGAP INSURANCE LAWS

► A free‐look period of 30 days is required, during which me the applicant may return the policy to the insurance company and receive a full refund. The free‐look period begins from the day the applicant receives the cer ficate or policy, not the day of the applica on.

► A pre‐exis ng condi on wai ng period may

extend no longer than six months for health condi ons diagnosed or treated within the six months immediately prior to the applica on. The medical ques onnaire accompanying an applica on should have accurate informa on and should be completed by the applicant, not the agent.

► Should the applicant be replacing a Medicare

supplement policy, no new wai ng period is allowed by the replacing insurer for equivalent coverage.

► For replacement policies, the applicant is

required to sign a replacement form indica ng that he/she understands the hazards of changing.

► No agent in Arkansas may sell a new Medicare

Supplement Policy to anyone who already has a Medicare Supplement unless the applicant agrees to drop his or her previous insurance.

► All Medicare supplement policies must be

guaranteed renewable.

► The 101st Congress (1990) passed strong federal legisla on, which made uniform requirements for Medicare Supplement Insurance policies in each state. Policy holders are not required to change from their old supplemental policies to a policy with the new standards unless they so choose.

► MEDIGAP OPEN ENROLLMENT= A Medicare

supplement insurer may not deny an applicant a policy during the six months period known as the Medigap Open Enrollment Period. The six month period begins with the Medicare beneficiary is BOTH enrolled in Part B and age 65 or older. During this enrollment period an insurance company can not deny a policy based on the applicants health status. This is a one me enrollment period. Once the Medigap Open Enrollment Period begins, it can not be started again.

In Arkansas, there is no open enrollment period for Medicare Beneficiaries who are not yet 65. However, they are en tled to a six‐month Open Enrollment Period when they reach age 65. ► An insurer must suspend Medicare Supplement

Premiums and benefits while the policyholder is en tled to Medicaid. The insurer must reinstate policy benefits upon request if Medicaid en tlement ends. This suspension may last up to two years. Policyholders are responsible for informing the insurer of their Medicaid eligibility within 90 days of eligibility determina on.

MEDIGAP OPEN ENROLLMENT

If Medicaid eligible, may suspend

Medigap for two years.

4

CATEGORY 1:

If a Medicare beneficiary is enrolled in an employer‐sponsored plan and the plan terminates or ceases to provide some or all supplemental benefits to Medicare, or the insured chooses to leave the plan.

Then guarantee issue of Medigap Plans A, B, C, F, K or L with any company selling these plans.

CATEGORY 2:

If a Medicare beneficiary is enrolled in a Medicare Advantage Plan and

the plan’s cer fica on is terminated, or the plan ceases to provide all services, or the enrollee moves out of the service , or the plan violates the contract, misrepresents during

marke ng, or there are other circumstances as determined by HHS

Secretary,


CATEGORY 3:

If a Medicare beneficiary is enrolled in a Medicare Risk, Cost, Demonstra on, HCPP, or select plan, and

the plan’s cer fica on is terminated, or the plan ceases to provide all services, or the enrollee moves out of the service , or the plan violates the contract, misrepresents during

marke ng, or there are other circumstances as determined by HHS

Secretary,


CATEGORY 4:

If a Medicare beneficiary is enrolled in a Medigap policy and any of the following occur:

the Insurer becomes insolvent or bankrupt, or there is involuntary termina on of coverage or

enrollment, or there is material viola on of the policy, or

there is material misrepresenta on during marke ng,


CATEGORY 5:

If a Medicare beneficiary is enrolled in a Medigap policy, terminates it and enrolls for the first me in a Medicare Advantage Plan, Risk, Cost, Demonstra on, HCPP, or Select plan, and disenroll from the chosen coverage within the first 12 months as permi ed under federal law,

Then guarantee issue of Medigap Plans A, B, C, F, K or L with any company selling these plans or his/her prior Medigap plan, if it is s ll available.

CATEGORY 6:

If an individual is first eligible for Medicare Part A at the age of 65, and

enrolls in a Medicare Advantage plan , and disenroll within the first 12 months a er enrollment as

permi ed by federal law,

Then guarantee issue of any Medigap plan sold by any insurer.

CATEGORY 7:

If an individual leaves a Medicare Advantage Plan or drop a Medigap policy because the company has not followed the rules or misled the individual,

Then guarantee issue of Medigap Plans A, B, C, F, K, L, M, or N sold by any insurer.

SPECIAL CIRCUMSTANCES FOR GUARANTEED ISSUE FOR MEDIGAP

If you believe you meet the criteria in one of these categories and have been denied a policy, contact

SHIIP

1‐800‐224‐6330 or email [email protected]

Federal and state laws guarantee acceptance into Medicare Supplement insurance (Medigap), if a Medicare beneficiary

qualifies in one of seven categories listed below. This means the insurance company can not deny a policy nor impose a

pre‐exis ng wai ng period based on medical history. There is a strict me limit! The Medicare beneficiary has ONLY 63 days

from the date of loss of coverage to apply for a Medigap policy and be granted a guaranteed issue.

The Arkansas Insurance Department is commi ed to seeing that your rights are upheld in all circumstances pertaining to

guaranteed acceptance into Medicare Supplement Insurance.

5

When describing the benefits of Medicare Supplement Plans, all insurers use the same format, language, and defini ons. They are required to use a uniform chart and outline of coverage to summarize the benefits of the plans they offer. These requirements make it easier to compare policies from different insurers. As you shop for a policy, keep in mind that each company’s products are standard, products compete based on price, service, and reputa on.

PRICE. While the benefits are iden cal for all Medicare Supplemental Plans of the same type, the premiums vary from one company to another and from area to area. The plan with the lowest price is not necessarily the best plan. The price should not be the only concern. You may prefer a par cular schedule of payments. Some companies bill the premium each month, while others bill each quarter or once a year. In addi on, prices are based in part on the services a company provides and on their reputa on. Some plans add benefits but remember the basic coverage is the same from plan to plan based on federal law.

CUSTOMER SERVICES. You should ask about the insurer’s customer services. For example, some companies link their computers with the computers at the federal Medicare office to process your health insurance claims without addi onal paperwork. This is called Medicare Crossover. This and other available customer services may be important considera ons in making a decision.

REPUTATION. You should consider the reputa on of the insurer before buying a policy. Find out about the company by asking for referrals, asking others about their experiences, and check out the number of complaints filed at this website

h ps://eapps.naic.org/cis/

POLICY FEE: Some policies add a one‐ me policy fee.

These are not allowed in Arkansas.

UNDERWRITING: Most companies underwrite.

However, a few policies are “guaranteed issue.”

PREMIUM TYPE: The premium for your policy may

increase every year, primarily due to infla on in

medical costs and the use of more advanced

technology. The amount your premium goes up may

depend upon the manner in which the company has

reflected the aging of its policyholders in its rates. The

general approach that companies use are described

below. In Arkansas, the no age ra ng method is used.

1. A ained Age: In addi on to medical infla on and

advancing technology, your premium will also rise

due to the increased use of medical services as

people age.

2. Issue Age: The premium you pay will ini ally be

somewhat higher than under the a ained age

approach because a por on of the ini al premium

is used to pre‐fund the increased claims cost in later

years. As a result, in subsequent years your

premiums should be somewhat less than they

would be under an a ained age approach.

3. No Age Ra ng: Under this approach, the premium

is the same for all customers who buy this policy,

regardless of age.

DIRECT RESPONSE/AGENT: Premiums are basically the

same when comparing a direct response sale to an

agent‐marketed sale.

NON‐SMOKER: Few companies have non‐smoker

discounts.

MEDICARE CROSSOVER: This is one of the more

significant service enhancements that companies can

offer. A “crossover” company has a contract with

Medicare requiring Medicare to send the policyholder’s

balance bills directly to the Medicare Supplement

Insurance Company.

BUYER BEWARE VARIABLES

6

CURRENT COSTS OF MEDICARE

SERVICES BENEFITS MEDICARE PAYS YOU PAY

Hospitaliza on

Semiprivate room, general

nursing, misc. services

First 60 days

61st to 90th day

91st to 150th day

Beyond 150 days

All but $1,340

All but $335 per day

All but $670 per day

Nothing

$1,340 deductible

$335 per day

$670 per day

All charges

Skilled Nursing Facility Care

(SNF) a er a 3 night hospital

stay

First 20 days

21st to 100th day

Beyond 100 days

100% of approved

All but $167.50 per day

Nothing

Nothing if approved

$167.50 per day

All costs

Home Health Care

Medically necessary skilled

Part‐ me care as long

as you meet guidelines

100% of approved Nothing if approved

Hospice Care

For the terminally ill

As long as doctor

cer fies need

All but limited costs for

drugs & respite care

Limited costs for drugs

& respite care

Blood Blood All but first 3 pints First 3 pints

PART A HOSPITAL INSURANCE COVERED SERVICES

SERVICES BENEFITS MEDICARE PAYS YOU PAY

Medical Expense

Physician services & medical

supplies

Medical services in and out

of the hospital

80% of approved

amount (a er $183

deduc ble)

20% of approved

amount (a er $183

deduc ble)

Clinical Laboratory Diagnos c tests 100% of approved Nothing if approved

Home Health Care

Medically necessary skilled

Part‐ me care as long as

you meet guidelines

100% of approved Nothing if approved

Outpa ent Hospital

Treatment

Unlimited if medically

necessary

80% of approved 20% of approved

amount (a er $183

Durable Medical Equipment Prescribed by doctor for

use in home

80% of approved

amount (a er $183

20% of approved

amount (a er $183

PART B MEDICAL INSURANCE COVERED SERVICES

Blood Blood All but first 3 pints First 3 pints

7

Reading the chart: If a “x” mark appears in a column of this chart, the Medigap policy covers 100% of

the desired benefit. If a column lists a percentage, then the policy covers that percentage of the

described benefit. If a column is blank, then the policy does not cover that benefit.

Note: The Medigap policy covers coinsurance only a er you have paid the deduc ble (unless the

Medigap policy also covers the deduc ble).

MEDIGAP PLAN OPTIONS

Medigap Plan Benefits A B C D F G K L M N

Medicare Part A eligible hospital costs up to an addi onal 365 days a er all Medicare hospital benefits are ex‐hausted

X X X X X X X X X X

Medicare Part B Coinsurance or Copay‐ment (20% of Medicare Assignment)

X X X X X X 50% 75% X X

Blood (First 3 Pints) X X X X X X 50% 75% X X

Part A Hospice Care Coinsurance or Copayment

X X X X X X 50% 75% X X

Skilled Nursing Facility Care Copayment (Days 21‐100 = $164.50 per day in 2017)

X X X X 50% 75% X X

Medicare Part A Deduc ble ($1,316.00 per benefit period in 2017)

X X X X X 50% 75% 50% X

Medicare Part B Deduc ble ($183 per year in 2017)

X X

Medicare Part B Excess Charges (up to 15% above Medicare approved amount if provider does not accept Medicare assignment)

X X

Foreign Travel Emergency (Up to Plan Limits)

X X X X X X

Medicare Preven ve Part B Coinsur‐ance (as of 2011 most preven ve screenings no longer require coinsur‐ance payment)

X X X X X X X X X X

8

Medicare Supplement Summary

Company

Address

Customer Service Phone

Customer Service Email

Medical Underwriting

Pre-existing ConditionWaiting Period A

BMedicare Crossover C

DAreas FArea 1 HD-FArea 2 GArea 3 KArea 4 L

MAnnual Premiums by Area and Plan NPreferred Non-smoking

Area A B C D F HD-F G K L M NArea 1 117.43 137.23 165.47 143.74 169.40 66.74 144.48 x x 129.44 118.53Area 2 112.09 130.99 157.95 137.21 161.70 63.71 137.91 x x 123.56 113.14Area 3 99.28 116.02 139.89 121.53 143.22 56.43 122.15 x x 109.44 100.21Area 4

StandardArea A B C D F HD-F G K L M N

Area 1 130.54 152.35 183.89 159.69 188.20 74.08 160.52 x x 143.74 131.83Area 2 124.61 145.43 175.53 152.43 179.65 70.71 153.22 x x 137.21 125.84Area 3 110.37 128.81 155.47 135.01 159.12 62.63 135.71 x x 121.53 111.46Area 4

Tobacco User (if different from "Standard")Area A B C D F HD-F G K L M N

Area 1Area 2Area 3Area 4

Medicare N Plan

Medicare G PlanMedicare K PlanMedicare L Plan

Medicare High Deductible F PlanZip Codes Covered

*All other 720 and 721 zip codes

Rest of State

Medicare M Plan

Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan

* Zip codes beginning with 722 and zip codes 72002, 72053, 72065, 72076, 72078, 72099, 72103, 72113-72120, 72124, 72135, 72142, 72164, 72180, 72183, 72190, 72198, 72199

Admiral Life Insurance Company of America

Other

Yes or No

Yes or No (when applicable)

1720 W. Rio Salado Pkwy, Tempe, AZ 85281

888-474-9519

www.puritanlifeinsurance.com/Contact


KEY

9

http://www.puritanlifeinsurance.com/Contact


Company

Address



Medical Underwriting Yes


BMedicare Crossover Yes C



Area A B C D F HD-F G K L M NArea 1 113.04 130.12 x x 154.19 61.65 133.20 x x x 101.63Area 2 125.62 144.61 x x 171.35 68.48 148.03 x x x 112.96Area 3Area 4


Area 1 125.48 144.42 x x 171.15 68.44 147.86 x x x 112.81Area 2 139.44 160.52 x x 190.20 76.02 164.32 x x x 125.39Area 3Area 4



Other

Yes or No


Aetna Health and Life Insurance Company

800 Crescent Centre Dr., Franklin,TN 37067

(800) 3624-6290

www.aetnaseniorproducts.com


Medicare M PlanMedicare N Plan


KEYNo

Medicare High Deductible F PlanMedicare G PlanMedicare K PlanMedicare L Plan

Zip Codes CoveredAll areas not listed for Area 2

720-722

10


Company

Address








Area A B C D F HD-F G K L M NArea 1 163.06 239.08 70.66 105.23 143.18Area 2 171.29 251.15 74.23 110.55 150.41Area 3 181.17 265.64 78.51 116.92 159.09Area 4 189.41 277.72 82.08 122.24 166.32


Area 1 191.83 281.26 82.12 123.79 168.44Area 2 201.51 295.47 87.32 130.05 176.95Area 3 213.14 312.51 92.36 137.55 187.16Area 4 222.83 326.72 96.56 143.80 195.67



KEY


Zip Codes Covered717, 726-729718, 723-725716, 719-721



722

Yes or No


American Republic Corp Insurance Company

PO Box 14510, Des Moines, IA 50306

888-755-3065

www.AmericanRepublic.com


11


Company

Address








Area A B C D F HD-F G K L M NArea 1 169.64 x x x 207.53 x 130.02 x x x 173.85Area 2 196.63 x x x 240.54 x 150.71 x x x 201.51Area 3Area 4


Area 1 186.61 x x x 228.28 x 143.03 x x x 191.23Area 2 216.30 x x x 264.60 x 165.78 x x x 221.65Area 3Area 4



KEY


Zip Codes Covered716-719, 723-729

720-722



Other

Yes or No


American Retirement Life Insurance Company

P.O. Box 26580, Austin, TX 78755-0580

(866) 459-4272


12


Company

Address













KEYNo


Zip Codes Covered720-722

716-719, 723-729



Other

Yes or No


Americo Financial Life and Annuity Ins. Company

300 West 11th Street, Kansas City, MO 64105

(800) 231-0801

[email protected]


13


Company

Address








Area A B C D F HD-F G K L M NArea 1 x x x 166.40 x 127.50 x x x 102.40Area 2 x x x 187.30 x 143.30 x x x 114.50Area 3 x x x 228.40 x 174.70 x x x 139.60Area 4





* Area 2 - Clark, Cleburne, Conway, Cross, Dallas, Faulkner, Garland, Hempstead, Hot Spring, Howard, Indenendence, Izard, JacksonLawrence, Little River, Lonoke, Nevada, Ouachita, Perry, Pike, Pulaski, Saline, Sevier, Sharp and Van Buren

KEYNo


Zip Codes CoveredAll counties not listed in Area 2

*Out of state



Other

Yes or No


Arkansas Blue Cross Blue Shield

P.O. Box 2181, Little Rock, AR,72203-2181

(800) 392-2583

www.arkansasbluecross.com


14


Company

Address








Area A B C D F HD-F G K L M NArea 1 147.47 170.53 205.85 168.71 210.47 x 168.71 x x x 97.61Area 2 160.75 185.88 224.38 183.90 229.42 x 183.90 x x x 106.40Area 3 172.54 199.52 240.85 197.39 246.25 x 197.39 x x x 114.21Area 4


Area 1 169.51 196.02 236.61 193.92 241.92 x 193.92 x x x 112.20Area 2 201.72 213.67 257.91 211.38 263.70 x 211.38 x x x 122.30Area 3 198.33 229.35 276.84 226.89 283.05 x 226.89 x x x 131.28Area 4



Other

Yes or No


Assured Life Association

P.O. Box 2397, Omaha, NE 68103-2397

(877) 223-3666

[email protected]




KEYNo



718-721722-723

15


Company

Address








Area A B C D F HD-F G K L M NArea 1 112.00 x x x 166.00 48.00 125.00 73.00 x x xArea 2 126.00 x x x 185.00 54.00 140.00 82.00 x x xArea 3Area 4


Area 1 135.00 x x x 200.00 58.00 150.00 88.00 x x xArea 2 151.00 x x x 223.00 65.00 168.00 98.00 x x xArea 3Area 4



KEYNo


Zip Codes CoveredAll other zip codes

720-722



Other

Yes or No


Bankers Fidelity Life Insurance Company

4370 Peachtree Road N.E., Atlanta, GA 30319

(866) 458-7504 x876

www.bflic.com


16


Company

Address








Area A B C D F HD-F G K L M NArea 1 145.63 169.26 208.30 x 215.01 x 143.46 x x x 116.06Area 2 129.30 150.28 184.94 x 190.90 x 127.37 x x x 103.04Area 3Area 4


Area 1 161.76 186.02 231.50 x 238.84 x 159.36 x x x 128.95Area 2 143.62 165.16 205.54 x 212.05 x 141.49 x x x 114.49Area 3Area 4



KEYNo



Rest of State



Other

Yes or No


Central States Indeminity Co. of Omaha

1212 North 96th St., Omaha, NE 68114

(866( 644-3988


17


Company

Address








Area A B C D F HD-F G K L M NArea 1 198.99 199.54 x x 230.65 46.94 206.62 67.11 136.28 170.79 139.46Area 2Area 3Area 4


Area 1 221.10 221.70 x x 256.26 52.15 229.57 74.55 151.43 189.75 154.96Area 2Area 3Area 4


Area 1 245.67 246.35 x x 284.72 57.94 255.07 82.83 168.25 210.84 172.17Area 2Area 3Area 4

Medicare L Plan

Zip Codes CoveredWhole state

OtherMedicare M PlanMedicare N Plan


Medicare High Deductible F PlanMedicare G PlanMedicare K Plan

Yes or No


Colonial Penn Life Insurance Company

11825 N. Pennsylvania Street, Carmel, IN 46032

(800) 800-2254


https://www.bankerslife.com/products/medicare-supplement-insurance/

KEYYes

18


Company

Address








Area A B C D F HD-F G K L M NArea 1 115.12 x x x 172.02 x 147.95 x x x xArea 2 125.58 x x x 187.68 x 161.41 x x x xArea 3Area 4


Area 1 126.52 x x x 189.17 x 162.67 x x x xArea 2 138.01 x x x 206.37 x 177.46 x x x xArea 3Area 4



KEYNo



716, 721-723



Other

Yes or No


Companion Life Insurance Company

7909 Parklane Road, Ste 200, Columbia, SC 29223

(800) 753-0404

www.CompanionLife.com


19


Company

Address








Area A B C D F HD-F G K L M NArea 1 215.73 267.10 x x 320.88 x 299.39 x x x 233.62Area 2 190.56 235.94 x x 283.45 x 264.46 x x x 206.36Area 3 179.77 222.58 x x 267.40 x 249.49 x x x 194.68Area 4


Area 1 237.41 293.79 x x 252.97 x 329.27 x x x 257.01Area 2 209.71 259.51 x x 311.79 x 290.86 x x x 227.02Area 3 197.84 244.82 x x 294.14 x 274.39 x x x 214.17Area 4



*Area 1 - 72002, 72053, 72065, 72076, 72078, 72099, 72103, 72113-72120, 72124, 72135, 72142, 72164, 72180, 72183, 72190, 72198, 72199,and all zip codes beginning with 722

KEY


Zip Codes Covered*

All other 720 or 721 zip codesRest of state



Other

Yes or No


Coventry Health and Life Insurance Company

3900 Rogers Road, San Antonio, TX 78251-3635

(800) 843-7421


20


Company

Address








Area A B C D F HD-F G K L M NArea 1 169.12 x x x 261.35 x x x x x 176.22Area 2Area 3Area 4


Area 1 202.09 x x x 312.65 x x x x x 210.56Area 2Area 3Area 4


Area 1 269.42 x x x 416.50 x x x x x 280.67Area 2Area 3Area 4

Other

Yes or No


Equitable Life and Casualty Insurance Company

3 Triad Center, Salt Lake City, UT 84180-1200

(800) 352-5170




KEY


Zip Codes CoveredAll Arkansas zip codes

21


Company

Address








Area A B C D F HD-F G K L M NArea 1 163.52 200.76 x x 240.57 x 224.08 x x x 176.60Area 2 173.34 212.81 x x 255.01 x 237.53 x x x 187.20Area 3 196.23 216.86 x x 288.69 x 268.90 x x x 211.92Area 4


Area 1 179.88 220.84 x x 264.63 x 246.49 x x x 194.26Area 2 190.68 234.09 x x 280.51 x 261.28 x x x 205.92Area 3 215.86 265.01 x x 317.56 x 295.79 x x x 233.12Area 4



KEY


Zip Codes Covered



Other

Yes or No


First Health Life & Health Insurance Company

3200 Highland Ave., Downers Grove, IL 60515

(800) 226-5116


22


Company

Address








Area A B C D F HD-F G K L M NArea 1 141.35 x x x 204.19 x 171.09 x x x xArea 2 158.32 x x x 228.70 x 191.62 x x x xArea 3 173.86 x x x 251.16 x 210.44 x x x xArea 4


Area 1 162.48 x x x 234.71 x 196.66 x x x xArea 2 181.98 x x x 162.88 x 220.26 x x x xArea 3 199.85 x x x 188.70 x 241.90 x x x xArea 4



KEYNo



***



*Zip codes 72001, 72003-72007, 72010-72048, 72051, 72052, 72055, 72057-72061, 72063, 72064, 72066-72075, 72079-72089, 72101, 72102, 72104-72108, 72110-72112, 72121-72123, 72125-72134, 72136, 72137, 72139-72141, 72143, 72145, 72149, 72150, 72152, 72153, 72156-72158, 72160, 72165-72170, 72173, 72175, 72176, 72178, 72179, 72181, 72182, and 72189

** Zip codes beginning with 722 and zip codes 72002, 72003, 72053, 72065, 72076, 72078, 72099, 72103, 72113-72120, 72124, 72135, 72142, 72164, 72180, 72183, 72190, 72198, and 72199

Other

Yes or No


Gerber Life Insurance Company

P.O. Box 2271, Omaha, NE 68103-2271

(877) 778-0839


23


Company

Address




Pre‐existing Condition

Waiting Period A

B

Medicare Crossover C

D

Areas F

Area 1 HD‐F

Area 2 G

Area 3 K

Area 4 L

M

Annual Premiums by Area and Plan N

Preferred Non‐smoking

Area A B C D F HD‐F G K L M N

Area 1 104.00 172.00 197.00 x 199.00 49.00 182.00 x x x 157.00

Area 2

Area 3

Area 4

Standard


Area 1

Area 2

Area 3

Area 4

Tobacco User (if different from "Standard")


Area 1

Area 2

Area 3

Area 4

Other

Yes or No


Globe Life and Accident Insurance Company

PO Box 8080, McKinney, TX 75070

800‐801‐6831

www.globecaremedsupp.com


Medicare M Plan

Medicare N Plan

Medicare A Plan

Medicare B Plan

Medicare C Plan

Medicare D Plan

Medicare F Plan

KEYYes

Medicare High Deductible F Plan

Medicare G Plan

Medicare K Plan

Medicare L Plan

Zip Codes Covered

Whole State

24


Company

Address








Area A B C D F HD-F G K L M NArea 1 144.77 x 202.18 x 207.08 x 154.71 x x x 137.28Area 2Area 3Area 4


Area 1 166.41 x 232.40 x 238.03 x 177.83 x x x 157.80Area 2Area 3Area 4



Zip Codes CoveredWhole State




Government Personnel Mutual Life Insurance Company

Other

Yes or No


PO Box 2679, Omaha, NE 68103-2679

866-242-7573

www.gpmlife.com


KEYNo

25

http://www.gpmlife.com/


Company

Address








Area A B C D F HD-F G K L M NArea 1 124.34 x 181.01 x x x x x x x 127.89Area 2 111.91 x 162.91 x x x x x x x 115.11Area 3Area 4


Area 1 138.19 x 201.05 x x x x x x x 142.09Area 2 124.38 x 180.95 x x x x x x x 127.89Area 3Area 4




716-719, 723-729




Guarantee Trust Life Insurance Company

Other

Yes or No


1275 Milwaukee Ave., Glenview, IL 60025

800-338-7452

www.gtlic.com


KEY

26

http://www.gtlic.com/


Company

Address








Area A B C D F HD-F G K L M NArea 1 160.46 x x 209.14 227.35 x 212.42 x x 194.96 164.80Area 2 144.42 x x 188.23 204.62 x 191.18 x x 175.47 148.32Area 3Area 4


Area 1 178.34 x x 232.22 252.43 x 235.92 x x 216.76 183.21Area 2 160.51 x x 209.00 227.19 x 212.33 x x 195.09 164.89Area 3Area 4



Heartland National Life Insurance Company

Other

Yes or No


PO Box 2878, Salt Lake City, UT 84110-2878

866-916-7971

www.heartlandnational.net


KEYMedicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan


720-722716-719, 723-729



27

http://www.heartlandnational.net/


Company

Address








Area A B C D F HD-F G K L M NArea 1 178.09 193.82 227.78 x 232.45 76.02 x 104.44 148.45 x 148.79Area 2 170.75 185.84 218.40 x 222.87 72.89 x 100.14 142.33 x 142.66Area 3 157.21 171.10 201.08 x 205.20 67.11 x 92.20 131.05 x 131.35Area 4 195.70 212.99 250.31 x 255.44 83.54 x 114.78 163.13 x 163.50


Area 1 266.17 289.69 340.48 x 347.41 113.62 x 156.11 221.85 x 222.40Area 2 255.20 277.75 326.45 x 333.10 108.93 x 149.67 212.71 x 213.24Area 3 234.97 255.73 300.57 x 306.69 100.30 x 137.81 195.85 x 196.33Area 4 292.49 318.34 374.37 x 381.77 125.28 x 171.54 243.80 x 244.40



3 months

Medicare K Plan

Humana Insurance Company

Out of State

Yes or No


500 W. Main St., Louisville, KY 40202

888-310-8482

www.Humana.com


Medicare N Plan


Medicare G PlanMedicare High Deductible F Plan

**Ashley, Baxter, Benton, Boone, Bradley, Calhoun, Carroll, Chicot, Clay, Calburne, Cleveland, Columbia, Craighead, Crawford, Crittenden, Cross, Dallas, Desha, Drew, Franklin, Fulton, Greene, Hempstead, Howard, Independence, Izard, Jefferson, Johnson, Lafayette, Lawrence, Lee, Lincoln, Little River, Logan, Madison, Marion, Miller, Mississippi, Nevada, Newton, Ouachita, Phillips, Poinsett, Pope, Randolph, St. Francis, Scott, Searcy, Sebastian, Sevier, Sharp, Stone, Union, Washington, and Yell Counties

Medicare L Plan

Zip Codes CoveredPulaski County

***

*Arkansas, Clark, Conway, Faulkner, Garland, Grant, Hot Spring, Jackson, Lonoke, Monroe, Montgomery, Perry, Pike, Polk, Prairie, Saline,Van Buren, White and Woodruff Counties

Medicare M Plan

28

http://www.humana.com/


Company

Address













Individual Assurance Company, Life, Health & Accident

Other

Yes or No


PO Box 14533, Oklahoma City, OK 73113

888-524-3629

www.iaclife.net




720-722716-719, 723-729



29

http://www.iaclife.net/


Company

Address








Area A B C D F HD-F G K L M NArea 1 137.86 x 189.23 x 192.01 x 145.70 x x x 122.10Area 2 123.79 x 169.92 x 172.41 x 130.83 x x x 109.64Area 3Area 4


Area 1 158.44 x 217.49 x 220.75 x 167.43 x x x 140.39Area 2 142.27 x 195.29 x 198.22 x 150.34 x x x 126.06Area 3Area 4



The Manhattan Life Insurance Company

Other

Yes or No


PO Box 925568, Houston, TX 77292-5568

800-877-7703

www.manhattanlife.com




720-722716-719



30

http://www.manhattanlife.com/


Company

Address








Area A B C D F HD-F G K L M NArea 1 134.90 x x 187.20 201.41 x 175.55 x x x 150.77Area 2 152.00 x x 210.92 226.94 x 197.80 x x x 169.88Area 3Area 4


Area 1 155.05 x x 215.17 231.51 x 201.89 x x x 173.39Area 2 174.70 x x 242.44 260.85 x 227.48 x x x 195.36Area 3Area 4



Medico Insurance Company

Other

Yes or No


PO Box 10386, Des Moines, IA 50306

800-228-6080

www.goMedico.com



Medicare High Deductible F PlanZip Codes Covered717--719, 724-729

716, 720-723



31

http://www.gomedico.com/


Company

Address








Area A B C D F HD-F G K L M NArea 1 148.25 x x x 200.09 73.71 x x x x xArea 2 155.73 x x x 210.20 77.43 x x x x xArea 3 172.21 x x x 232.43 85.62 x x x x xArea 4 164.72 x x x 222.33 81.90 x x x x x


Area 1 174.40 x x x 235.40 86.71 x x x x xArea 2 183.21 x x x 247.28 91.09 x x x x xArea 3 202.59 x x x 273.44 100.72 x x x x xArea 4 193.78 x x x 261.55 96.34 x x x x x



Medico Corp. Life Insurance Company

All other Areas

Yes or No


11808 Grant St., Omaha, NE 68103-0160

800-547-2401, option 3

www.goMedico.com




71700-71799, 72600-7299971800-71899, 72300-72599

72200-7299



32

http://www.gomedico.com/


Company

Address








Area A B C D F HD-F G K L M NArea 1 206.16 x 210.10 x 233.48 x x x x x xArea 2 189.75 x 194.61 x 217.98 x x x x x xArea 3 173.43 x 179.12 x 194.61 x x x x x xArea 4

StandardArea A B C D F HD-F G K L M x

Area 1 226.78 x 231.11 x 256.83 x x x x x xArea 2 208.73 x 214.08 x 239.78 x x x x x xArea 3 190.78 x 197.04 x 214.08 x x x x x xArea 4



Old Surety Life Insurance Company

Yes or No


PO Box 54407, Oklahoma City, OK 73154

(800)272-5466

[email protected]


KEYYes Medicare A Plan

Medicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan


722720-721

All other Zip Codes



33

mailto:[email protected]


Company

Address








Area A B C D F HD-F G K L M NArea 1 133.69 x x x 162.25 50.70 145.91 x x x 103.74Area 2 140.21 x x x 170.16 53.18 153.02 x x x 108.80Area 3 159.77 x x x 193.91 60.60 174.38 x x x 123.98Area 4


Area 1 144.53 x x x 190.17 54.82 157.74 x x x 114.62Area 2 151.58 x x x 199.45 57.50 165.43 x x x 120.21Area 3 159.77 x x x 227.28 65.52 188.52 x x x 136.98Area 4



None

Medicare K Plan

Omaha Insurance Company

Other

Yes or No


Mutual of Omaha Plaza, Omaha, NE 68175

800-667-2937

www.mutualofomaha.com


Medicare N Plan


Medicare G PlanMedicare High Deductible F Plan

**Zip Codes that begin with 722 and Zip codes 72002, 72053, 72065, 72076, 72078, 72099, 72103, 72113-72120, 72124, 72135, 72142, 72164, 72180, 72183, 72190, 72198-72199

Medicare L Plan

Zip Codes Covered716-719,723-729

***

* Zip Codes 72001, 72003-72007, 72010-72048, 72051, 72052, 72055, 72057-72061, 72063, 72064, 72066-72075, 72079-72089, 72101, 72102, 72104-72108, 72110-72112, 72121-72123, 72125-72134, 72136, 72137, 72139-72141, 72143, 72145, 72149, 72150, 72152, 72153, 72156-72158, 72160, 72165-72170, 72173, 72175, 72176, 72178, 72179, 72181, 72182, 72189

Medicare M Plan

34

http://www.mutualofomaha.com/


Company

Address








Area A B C D F HD-F G K L M NArea 1 152.98 x x x 269.48 68.08 202.92 x x x 191.76Area 2 161.02 x x x 283.67 71.66 213.59 x x x 201.85Area 3 177.13 x x x 312.03 74.89 234.96 x x x 222.03Area 4


Area 1 169.98 x x x 299.43 75.65 225.47 x x x 213.07Area 2 178.92 x x x 315.19 79.63 237.33 x x x 224.28Area 3 196.82 x x x 346.71 83.22 261.07 x x x 246.71Area 4



Other

Yes or No


Physicians Mutual Insurance Company

2600 Dodge Street, Omaha, NE 68131

800-228-9100

www.physiciansmutual.com




KEYNo


Zip Codes Covered

35


Company

Address








Area A B C D F HD-F G K L M NArea 1 123.44 x x x 189.60 61.50 141.65 68.48 x x 114.90Area 2Area 3Area 4





QualChoice Life and Health Insurance Company

Other

Yes or No


12615 Chenal Pkwy, Ste 300, Little Rock, AR 72211

800-235-7111

www.qualchoice.com




Medicare L Plan

Zip Codes Covered*

* Service only in these areas: Ashley, Baxter, Benton, Boone, Bradley, Calhoun, Carroll, Clark, Columbia, Conway, Crawford, Dallas, Faulkner, Franklin, Garland, Grant, Hempstead, Hot Spring, Howard, Jefferson, Johnson, Lafayette, Little River, Logan, Lonoke, Madison, Marion, Miller, Montgomery, Nevada, Newton, Ouachita, Perry, Pike, Polk, Pope, Pulaski, Saline, Scott, Searcy, Sebastian, Sevier, Union, Van Buren, Washington and Yell


Medicare G PlanMedicare K Plan

36

http://www.qualchoice.com/


Company

Address








Area A B C D F HD-F G K L M NArea 1 157.15 x 227.80 x 218.55 45.50 161.15 x x x 140.60Area 2 n/a x n/a x n/a n/a 177.25 x x x n/aArea 3Area 4


Area 1 180.65 x 262.00 x 251.40 52.30 185.30 x x x 161.70Area 2 n/a x n/a x n/a n/a 203.85 x x x n/aArea 3Area 4


Area 1 207.80 x 301.25 x 289.10 60.15 213.15 x x x 185.95Area 2 234.50Area 3Area 4

Reserve National Insurance Company

Other

Yes or No


601 E. Britton Rd., Oklahoma City, OK 73114

800-654-9106

[email protected]




Plan G only: 716-719, 724-729Plan G only: 720-723



37



Company

Address








Area A B C D F HD-F G K L M NArea 1 109.63 x x x 141.75 x x x x x xArea 2 123.49 x x x 159.68 x x x x x xArea 3Area 4


Area 1 123.64 x x x 159.53 x x x x x xArea 2 139.27 x x x 179.70 x x x x x xArea 3Area 4




720-722





S. USA Life Insurance Company

Other

Yes or No


100 West 33rd St., Suite 1007, New York, NY 10001

877-725-4872

www.sbliusa.com


KEYNo

38

http://www.sbliusa.com/


Company

Address








Area A B C D F HD-F G K L M NArea 1 113.22 x x x 153.89 x 132.16 x x x xArea 2 130.20 x x x 176.97 x 151.99 x x x xArea 3 141.52 x x x 192.36 x 165.20 x x x xArea 4





Zip Codes Covered





Sentinel Security Life Insurance Company

Other

Yes or No


PO Box 27248, Salt Lake City, UT 84127-0248

800-247-1423

[email protected]


KEY

39



Company

Address








Area A B C D F HD-F G K L M NArea 1 173.93 198.04 225.14 135.66 185.15 26.93 136.71 x x x 89.30Area 2 194.39 221.34 251.63 151.62 206.93 30.10 152.79 x x x 99.80Area 3 214.86 224.63 278.12 167.58 228.72 33.27 168.88 x x x 110.31Area 4


Area 1 193.26 220.04 250.17 150.74 205.73 27.37 151.90 x x x 99.22Area 2 216.00 245.93 279.60 168.48 230.19 30.59 169.77 x x x 110.90Area 3 238.73 271.82 309.03 186.21 254.14 33.81 187.64 x x x 122.57Area 4



Zip Codes Covered727, 729

716-717, 719-722, 724-726, 728718, 723





Standard Life and Accident Insurance Company

Other

Yes or No


1 Moody Plz., Galveston, TX 77550

888-350-1488

www.slaico.com


KEYNo

40

http://www.slaico.com/


Company

Address








Area A B C D F HD-F G K L M NArea 1 147.56 x 222.61 x 224.91 x x x x x xArea 2Area 3Area 4


Area 1 162.32 x 244.88 x 247.41 x x x x x xArea 2Area 3Area 4



State Farm Mutual Automobile Insurance Company

Other

Yes or No


One State Farm Plaza, Bloomington, IL 61710

800-782-8332

www.statefarm.com






41

http://www.statefarm.com/


Company

Address








Area A B C D F HD-F G K L M NArea 1 162.25 189.42 228.58 198.42 233.92 92.17 199.58 x x 178.67 163.67Area 2 154.50 180.42 217.67 189.00 222.75 87.75 190.08 x x 170.17 155.83Area 3 137.50 160.58 193.75 168.25 198.25 78.08 169.17 x x 151.42 138.67Area 4


Area 1 180.17 210.25 253.75 220.50 260.00 102.50 221.67 x x 198.42 181.83Area 2 171.58 200.25 241.67 210.00 247.58 97.58 211.08 x x 189.00 173.17Area 3 152.75 178.25 215.08 186.92 220.33 86.83 187.83 x x 168.25 154.08Area 4



State Mutual Insurance Company

Yes or No


PO Box 10849, Clearwater, FL 33757-8849

844-340-9493

https://statemutualinsurance.com




Medicare L Plan

Zip Codes Covered*

720 and 721 not in Area 1Other

*Area 1: Zip Codes beginning with 722 and 72002, 72053, 72065, 72076, 72078, 72099, 72103, 72113-72120, 72124, 72135, 72124, 72164, 72180,72183, 72190, 72198, 72199



42

https://statemutualinsurance.com/


Company

Address








Area A B C D F HD-F G K L M NArea 1 216.85 268.42 290.75 x 277.05 x 248.43 113.91 x x 209.72Area 2 203.56 257.26 281.02 x 267.77 x 239.32 109.38 x x 202.34Area 3Area 4


Area 1 216.85 268.42 337.90 x 321.98 x 288.63 126.71 x x 243.73Area 2 203.56 257.26 326.59 x 311.19 x 278.13 127.12 x x 235.15Area 3Area 4



*Area 1: Benton, Crawford, Crittenden, Faulkner, Jefferson, Lonoke, Pulaski, Saline, Sebastian, and Washington

Sterling Life Insurance Company

Other

Yes or No


PO Box 86580, Austin, TX 78755-0580

866-459-1755

[email protected]




Medicare L Plan

Zip Codes Covered*

**

**Area 2: Clark, Cleburne, Cross, Franklin, Garland, Grant, Hot Spring, Jackson, Logan, Madison, Montgomery, Perry, Pike, Poinsett, Prairie, Scott, St. Francis, Van Buren, White, Woodruff, and Yell



43



Company

Address








Area A B C D F HD-F G K L M NArea 1 155.95 195.75 216.38 192.02 223.45 57.67 192.58 x 152.87 184.30 xArea 2 139.54 175.15 193.61 171.80 199.93 51.60 172.31 x 136.77 164.90 xArea 3 164.16 206.06 227.77 202.12 235.21 60.71 202.72 x 160.91 194.00 xArea 4


Area 1 171.55 215.33 237.99 211.19 245.79 63.44 211.83 x 168.14 202.74 xArea 2 153.49 192.66 212.94 188.96 219.91 56.76 189.54 x 150.44 181.40 xArea 3 180.58 226.66 250.52 222.30 258.72 66.78 222.98 x 176.99 213.41 xArea 4



Thrivent Financial for Lutherans

Other

Yes or No


4321 N. Ballard Rd., Appleton, WI 54919-0001

800-847-4836

www.thrivent.com




720-721716-719, 723-729

722



44

http://www.thrivent.com/


Company

Address








Area A B C D F HD-F G K L M NArea 1 116.00 156.00 184.00 171.00 186.00 x 173.00 85.00 127.00 156.00 147.00Area 2Area 3Area 4





Transamerica Life Insurance Company

Other

Yes or No


4333 Edgewood Road, NE Cedar Rapids, IA 52499

800-797-2643

[email protected]






45



Company

Address








Area A B C D F HD-F G K L M NArea 1 143.00 238.00 271.00 256.00 220.00 45.00 x x x x 156.00Area 2Area 3Area 4





United American Insurance Company

Other

Yes or No



800-331-2512

www.unitedamerican.com


KEY2 months Medicare A Plan



Entire state



46

http://www.unitedamerican.com/


Company

Address








Area A B C D F HD-F G K L M NArea 1 270.84 327.26 379.58 332.88 263.30Area 2 243.77 294.56 341.66 299.62 237.00Area 3 230.24 278.20 322.68 282.98 223.84Area 4


Area 1 338.68 409.24 474.69 415.61 329.27Area 2 304.84 368.36 427.24 374.08 296.37Area 3 287.90 347.90 403.51 353.29 279.91Area 4



Zip Codes Covered722

720, 721716-719, 723-729





1801 Watermark Dr., Suite 100, Columbus, OH 43215

The Order of United Commercial Travelers of America

Other

Yes or No


800-848-0123

www.uct.org


KEYNo

47

http://www.uct.org/


Company

Address








Area A B C D F HD-F G K L M NArea 1 116.50 170.00 205.50 x 206.75 x x 66.00 113.50 x 135.75Area 2Area 3Area 4


Area 1 174.75 255.00 308.25 x 310.12 x x 99.00 170.25 x 222.63Area 2Area 3Area 4


Area 1 128.15 187.00 226.05 x 227.42 x x 72.60 124.85 x 149.32Area 2Area 3Area 4

United Healthcare Insurance Company

Other

Yes or No


PO Box 30607, Salt Lake City, UT 84130

888-378-0254

www.uhc.com


KEY3 months Medicare A Plan



All



48

http://www.uhc.com/


Company

Address








Area A B C D F HD-F G K L M NArea 1 120.26 x x 139.60 181.76 x 159.62 x x x 110.08Area 2 139.80 x x 162.29 211.30 x 185.56 x x x 127.97Area 3Area 4


Area 1 133.62 x x 155.11 201.96 x 177.36 x x x 122.36Area 2 155.33 x x 180.31 234.77 x 206.18 x x x 142.25Area 3Area 4



United National Life Insurance Company

Other

Yes or No


PO Box 1154, Glenview, IL 60025-1154

800-207-8050

[email protected]




720-722716-719, 723-729



49


MEDIGAP SELECT PLANS

50


Company

Address








Area A B C D F HD-F G K L M NArea 1 x x 155.70 x 174.70 x x x x x xArea 2 x x 175.40 x 196.70 x x x x x xArea 3 x x 213.80 x 239.80 x x x x x xArea 4





* Area 2 - Clark, Cleburne, Conway, Cross, Dallas, Faulkner, Garland, Hempstead, Hot Spring, Howard, Indenendence, Izard, JacksonLawrence, Little River, Lonoke, Nevada, Ouachita, Perry, Pike, Pulaski, Saline, Sevier, Sharp and Van Buren

No


Zip Codes CoveredAll counties not listed in Area 2

*Out of state



Select Plans

Other

Yes or No


Arkansas Blue Cross Blue Shield

P.O. Box 2181, Little Rock, AR,72203-2181

(800) 392-2583

www.arkansasbluecross.com


KEY

51


Company

Address








Area A B C D F HD-F G K L M NArea 1 187.63 197.20 221.61 x 194.71 x 170.61 75.36 x x 139.70Area 2 179.85 202.12 226.98 x 199.41 x 175.22 78.24 x x 144.52Area 3Area 4


Area 1 187.63 197.20 257.54 x 226.28 x 197.27 87.58 x x 162.36Area 2 179.85 202.12 263.79 x 231.75 x 203.64 90.92 x x 167.95Area 3Area 4



*Area 1: Benton, Crawford, Crittenden, Faulkner, Jefferson, Lonoke, Pulaski, Saline, Sebastian, and Washington

**Area 2: Clark, Cleburne, Cross, Franklin, Garland, Grant, Hot Spring, Jackson, Logan, Madison, Montgomery, Perry, Pike, Poinsett, Prairie, Scott, St. Francis, Van Buren, White, Woodruff, and Yell




Medicare L Plan

Zip Codes Covered*

**


Select Plans

Sterling Life Insurance Company

Other

Yes or No


PO Box 86580, Austin, TX 78755-0580

866-459-1755

[email protected]


KEY

52



Company

Address








Area A B C D F HD-F G K L M NArea 1 x x 157.00 x 157.50 x x x x x xArea 2Area 3Area 4


Area 1 x x 235.50 x 236.25 x x x x x xArea 2Area 3Area 4


Area 1 x x 172.70 x 173.25 x x x x x xArea 2Area 3Area 4

Medicare N Plan



All

Medicare M Plan

3 months Medicare A PlanMedicare B PlanMedicare C PlanMedicare D PlanMedicare F Plan

Select Plans

United Healthcare Insurance Company

Other

Yes or No


PO Box 30607, Salt Lake City, UT 84130

888-378-0254

www.uhc.com


KEY

53

http://www.uhc.com/

MEDIGAP PLANS FOR PEOPLE UNDER AGE 65

Medigap for Medicare recipients under age 65

Federal law does not require people under the age of 65 with Medicare Part B be granted a Medigap Open Enrollment Period. Younger Medicare beneficiaries are subject to medical underwri ng and may be denied a policy based on medical history. There is no assurance that those under age 65 will be issued a Medigap Policy.

54


Company

Address








Area A B C D F HD-F G K L M NArea 1 987.22 x x x x x x x x x xArea 2Area 3Area 4


Area 1 x x x x x x x x x x xArea 2Area 3Area 4


Area 1 x x x x x x x x x x xArea 2Area 3Area 4

Medicare L Plan

Zip Codes CoveredWhole state

OtherMedicare M PlanMedicare N Plan



Yes or No


Colonial Penn Life Insurance Company

11825 N. Pennsylvania Street, Carmel, IN 46032

(800) 800-2254


https://www.bankerslife.com/products/medicare-supplement-insurance/

Under 65

KEYYes

55


Company

Address




Pre‐existing Condition

Waiting Period A

B

Medicare Crossover C

D

Areas F

Area 1 HD‐F

Area 2 G

Area 3 K

Area 4 L

M

Annual Premiums by Area and Plan N

Preferred Non‐smoking


Area 1 x 613.00 x x x x x x x x x

Area 2

Area 3

Area 4

Standard


Area 1

Area 2

Area 3

Area 4

Tobacco User (if different from "Standard")


Area 1

Area 2

Area 3

Area 4

Globe Life and Accident Insurance Company


800‐801‐6831

www.globecaremedsupp.com


Medicare N Plan

Medicare A Plan

Medicare B Plan

Medicare C Plan

Medicare D Plan

Medicare F Plan

Medicare L Plan

Zip Codes Covered

Whole State

Medicare M Plan

Other

Under 65

KEYYes


Medicare G Plan

Medicare K Plan

Yes or No


56


Company

Address








Area A B C D F HD-F G K L M NArea 1 x 619.00 x x x x x x x x xArea 2Area 3Area 4





Medicare L Plan

Zip Codes CoveredEntire state

Medicare M Plan

2 months

Medicare N Plan



Under 65

United American Insurance Company

Other

Yes or No



800-331-2512

www.unitedamerican.com


KEY

57

http://www.unitedamerican.com/

Approved Charges, also known as allowable charges, Medicare eligible expenses, or Medicare covered charges, apply to the specific dollar amount on which Medicare will base its payment for every medical procedure under Part B. Medicare will pay 80% of this "approved" amount. Assignment is the means by which doctors or suppliers receive payment directly from Medicare. When assignment is used, the provider of medical service agrees that his or her total charge for the covered Medicare Part B service will be the charge approved by the Medicare Carrier. Medicare then pays your doctor or supplier 80% of the approved charge, less any part of the $183 annual deduc ble. You are responsible for the 20% of the approved amount not paid by Medicare plus the $183 annual deduc ble. Accep ng assignment means that the doctor or medical provider will not bill you for the difference between the actual charge and the Medicare approved amount. Find out in advance whether your doctor or medical provider will accept assignment. When assignment is not accepted, you will be responsible for any amount up to 15% above the charges approved by Medicare. Using doctors or suppliers who accept assignment will save you money. Any physician may take assignment on a claim‐by‐claim basis whether he is a "par cipa ng" provider or not. Carrier is the Medicare Part B claims processor. In Arkansas, the Medicare "Carrier" is Novitas‐Solu ons (www.novitas‐solu ons.com). For ques ons about your Part B claims payments, telephone 1‐800‐633‐4227. Contestable Clause is a policy provision that gives an insurer the right to rescind your insurance policy in the event there are any material errors, omissions or misstatements on your insurance applica on or enrollment form. The contestable period is generally the two years following the effec ve date of the policy. Coordina on Of Benefits (COB) means that one of your health insurance policies may reduce its benefits if you are also covered by another insurance plan. Important! This usually applies only to employer‐sponsored plans. Private Medicare supplements ordinarily do not have COB regardless of how many policies you have. Co‐payment is the amount that you or your insurance plan must pay to supplement Medicare's payments for Part A and Part B expenses. For example, for charges

incurred in 2017, you will have a $329 per day co‐payment for days 61‐90 and a $658 per day co‐payment for days 91‐150 while in a hospital. There is also a co‐payment of $164.50 for skilled nursing days 21‐100 and a co‐payment of 20% for all Part B services a er your annual deduc ble of $183. Deduc ble is the dollar amount that you will have to pay before either Medicare or your insurance plan will begin paying benefits. Your Medicare Part A deduc ble is $1260 per benefit period for 2016. Your Medicare Part B deduc ble is $183 of approved charges each calendar year. Effec ve Date is the date your policy becomes effec ve. When you talk to your insurer, ask what the effec ve date will be. The effec ve date is printed on your insurance policy or cer ficate. Exclusions or Excep ons is the list of specific condi ons or circumstances that are not covered by the policy. The excep ons in Medicare supplements are limited by state law and cannot exclude or limit coverage for any specific health condi on for more than six months. Other health insurance plans such as hospital indemnity or medical‐surgical expense plans may have a 12‐month exclusion for pre‐exis ng condi ons and/or permanent exclusions for certain health condi ons. Excess Charge are addi onal charges approved by Medicare if your doctor or provider does not accept Medicare Assignment (Medicare approved amount). The maximum excess charge is 15% of the Medicare approved amount. Free Look is the me period a er you receive the policy in which you can review its benefits. State law requires Medicare supplement insurers to give the consumer 30 days to review the policy. If you return the policy within the 30‐day free look period, you will get a full refund. Other types of individually marketed health insurance plans are limited to a 10‐day free look period.

GLOSSARY

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GLOSSARY

Grace Period is the me period (usually 31 days) or the payment of an overdue premium, during which me the policy remains in force. Hospice is a program for the terminally ill. Medicare does reimburse most Hospice expenses if the Medicare pa ent chooses to take Hospice benefits instead of regular Part A and Part B benefits. There may be a co‐payment for outpa ent drugs and inpa ent respite care. Care must be provided through cer fied Hospice organiza ons. Intermediary is the Medicare Part A claims processor. In Arkansas, the Medicare Part A "intermediary" is Pinnacle Business Solu ons. For ques ons about Part A claims payments, contact Pinnacle Business Solu ons at 1‐866‐799‐2110. Limi ng Charge is the limit on the amount physicians who do not accept assignment can charge a Medicare beneficiary. The limi ng charge is no more than 15% over Medicare's approved amount. Limi ng charge informa on appears on the Medicare Summary No ce (MSN) form. Material Misrepresenta on is a misrepresenta on that was important or essen al to the decision to issue or not issue an insurance policy. Medicaid is a federal and state program that provides health insurance benefits for certain low‐income, disabled or blind individuals, and families. There are strict income eligibility guidelines. Applica ons must be made at the local county office of the Department of Human Services. 1‐800‐482‐8988 Medicare Crossover is one of the more significant service enhancements that insurance companies can offer. A "crossover" company has a contract with Medicare requiring Medicare to send the insured's remainder of the bill directly to the Medicare supplement insurance company. Medicare Advantage is a part of the Balanced Budget Act (BBA) of 1997 that authorizes the Centers for Medicare & Medicaid Services to enter into contracts with insurance companies, managed care organiza ons, and other en es to give Medicare beneficiaries a choice in how they receive their

Medicare benefits. Par cipa ng Physicians are doctors who have contracted with Medicare to accept assignment for all Medicare pa ents, file all claims for Medicare pa ents, and agree to all Medicare rules. Check the MedPard database h p://www.pinnaclemedicare.com/bene/medpard/default.aspx Non‐Par cipa ng Physicians have not signed a contract with Medicare to accept assignment, but may do so on a case‐by‐case basis. Non‐par cipa ng physicians must s ll file all claims with Medicare. Pre‐Exis ng Condi ons are health condi ons for which you have been diagnosed, treated, or had symptoms during the me before your policy's effec ve date of coverage. Pre‐Exis ng Condi on Wai ng Period is the amount of me a er your effec ve date of coverage during which

your insurance plan will not cover any pre‐exis ng condi ons. Medicare supplement law in Arkansas says your wai ng period cannot be any longer than six months. Many Medicare supplements offer plans with shorter wai ng periods. When a Medicare supplement policy replaces an exis ng Medicare supplement policy, the replacing issuer must waive any me period applicable to pre‐exis ng condi ons. Beneficiary and Family Centered Care Quality Improvement Organiza on (BFCC‐QIO) are groups of doctors and health care professionals who are paid by the federal government to review Medicare hospital admissions and reimbursements and to monitor inpa ent quality of care. BFCC‐QIO’s have the authority to deny hospital payments if care is not medically necessary. They also handle pa ent appeals and complaints the pa ent makes regarding non‐payment of service or quality of care. If you have any ques ons, please contact them at 1‐844‐430‐9504. Underwri ng is the method insurance companies use to evaluate risks and determine insurability. Usual, Customary and Reasonable (UCR) typically means the fees most frequently charged in a geographic by providers with similar training and experience for the same or like service or supply.

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Comparing Medicare drug plans can save you money. Provide a list of current medica ons and SHIIP uses

the Medicare website to compare plans www.medicare.gov

Call 1‐800‐224‐6330 for informa on

Helpful Phone Numbers

Arkansas Attorney General’s Office 1-800-482-8982

Beneficiary and Family Centered Care Quality Improvement organization (BFCC-QIO) (KEPRO)

1-844-430-9504

Arkansas SMP (Medicare Fraud) 1-866-726-2916

Marketplace (Affordable Care Act) 1-800-318-2596

Medicaid (Department of Human Services) 1-800-482-5431

Senior Health Insurance Information Program (SHIIP)

1-800-224-6330

Social Security Administration 1-800-772-1213

Tricare 1-866-773-0404

Veterans Administration 1-800-827-1000

1-800-Medicare Helpline 1-800-633-4227

www.insurance.arkansas.gov

Allen Kerr, Commissioner

1200 W 3rd St.

Li le Rock, Arkansas 72201

Toll Free: 1‐800‐224‐6330

This publica on is produced by the State of Arkansas Insurance Department division of Senior Health Insurance Informa on Program (SHIIP) with financial assistance through a grant from the Administra on for Community Living, an agency of the U.S. Department of the Health and Human Services.

Revised 03.18

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Documents

BRIDGING THE 2018 - Arkansas Insurance Department · Medicare Supplement unless the applicant agrees to drop his or her previous insurance. All Medicare supplement policies must be