Finding the right Medigap plan in Arkansas doesn’t have to feel like pulling weeds in August. At Overton Agency, we make it easier to understand your options and feel confident in your Medicare decisions. We live here too, and we’re proud to help our neighbors get the coverage they deserve.
What is Medigap and Why Does it Matter in Arkansas?
If you’ve got Original Medicare (Parts A and B), you already know it doesn’t cover everything. That’s where Medigap plans come in. These plans—also called Medicare Supplement Plans—help cover those leftover costs like deductibles, copays, and coinsurance.
Living in Arkansas, you might notice health costs can add up quickly, especially if you’re on a fixed income. A good Medicare supplement plan in Arkansas fills in the gaps and keeps your wallet a little fuller month to month.
So what’s the big deal? Well, not having the right coverage could mean skipping important care. We don’t want that for you or any Arkansas Medicare beneficiaries.
Arkansas Medicare Supplement Plans: What’s Available in 2025?
Here’s where it gets interesting. In 2025, there are 12 standardized Medigap plans available in Arkansas. Each one is identified by a letter—like Plan G, Plan N, or Plan A—and each plan offers different coverage options.
Plan G: Arkansas’s Most Popular Medigap Plan
Plan G is the crowd favorite across Arkansas Medigap plans. Why? It covers nearly everything Original Medicare doesn’t—except for the Part B deductible. For folks who became eligible for Medicare on or after January 1, 2020, this is one of the best Medigap plans you can get.
Need coverage for things like excess charges or skilled nursing? Plan G’s got you.
Plan N: Good Coverage with Lower Premiums in Arkansas
Want to save on monthly costs? Plan N could be your best fit. You’ll pay a bit more out of pocket for some services, but you’ll enjoy a lower premium compared to Plan G. If you don’t visit the doctor every week, this might be the smart move.
Plan F and Plan C: Still Great—If You’re Eligible
Only available if you were first eligible for Medicare before 2020, Plan F and Plan C offer even more coverage—including the Part B deductible. If that’s you, lucky you. These are some of the most comprehensive Medigap plans available in Arkansas.
Understanding Costs: How Much Do Medigap Plans Cost in Arkansas?
We get this question a lot: “How much will this actually cost me each month?” Well, it depends on a few things.
- The plan you pick (Plan G, N, etc.)
- Your age and zip code
- The Medigap carriers or insurance companies you choose
- Whether you use tobacco
We always say: “Let’s sit down together and compare plans side by side.” That way, you can choose the best plan for your needs, not just the most popular one.
How to Enroll in a Medigap Plan in Arkansas
You’ve got a few windows of opportunity here. The best time to get a Medicare supplement insurance plan is during your Medigap open enrollment period—that’s the six-month window starting the month you’re both 65 or older and enrolled in Medicare Part B.
During this time, you can pick any plan without worrying about health conditions or higher prices. If you wait, though, insurance companies may ask health questions and could even deny you coverage.
Already missed that window? Don’t worry. We’ll help you explore your options, explain late penalties, and even look at Medicare Savings Programs or Medicare Advantage plans that might better suit your budget.
What’s the Difference Between Medigap and Medicare Advantage in Arkansas?
Here’s where it can get a little confusing. Some folks ask, “Is a Medicare Advantage plan the same thing as Medigap?” Not quite.
- Medicare Advantage plans (Part C) replace Original Medicare
- Medigap plans work alongside Original Medicare to cover extra costs
Advantage plans often include extras like prescription drug coverage or dental, but they can have more rules about where and when you get care. With Medigap, you can usually go to any doctor who accepts Medicare, anywhere in the country.
Still not sure? That’s okay. We can walk you through a side-by-side comparison, right here at Overton Agency, 1201 Oak St, Conway Arkansas.
Choosing the Best Medigap Plan for You
We believe the best plan is the one that fits you. There’s no one-size-fits-all. Your health, travel habits, income, and prescriptions all play a role.
- Do you travel out of state often? You might want a plan with travel coverage.
- Have regular visits with specialists? Plan G may offer peace of mind.
- Trying to keep monthly costs low? Plan N or even a high-deductible Plan G could help.
Medigap insurers in Arkansas include some big names like:
- Arkansas Blue Cross Blue Shield
- AARP/UnitedHealthcare
- Cigna
- Humana
- Mutual of Omaha
We work with many of these companies to make sure you’re not just picking the best insurance, but the best value.
Medicare in Arkansas Doesn’t Have to Be Hard
It’s normal to feel overwhelmed by all the Medicare plan options in Arkansas. But with the right guide, it doesn’t have to be. At Overton Agency, we take pride in helping you pick the Medigap plan that gives you peace of mind.
Whether you’re new to this, looking to switch, or helping a loved one figure it out—we’re just down the road, ready to lend a hand.
If you’re new to Medicare, or if you just want a second opinion on your current Medicare supplement plan, we’d love to help.Come by. Call us at 501-881-2050. Ask questions. No pressure, just answers. And a cup of coffee if you stop in.
