Arkansas Health InsuranceIndividuals and Families
Arkansas Health Insurance
How to find an affordable plan.
The first thing you need to know when looking for an affordable health insurance plan in Arkansas is what you are looking for. As simple as that sounds most people feel overwhelmed when looking at the various policies and programs. Knowing what each of the terms means and if they will provide what you need for your specific circumstances seems impossible. All of the acronyms seem to defy explanation or understanding but it really isn't as hard as it seems. HMO is probably the most common policy name associated with health insurance and yet very few people really know what an HMO really is. HMO stands for Health Maintenance Organization. The most significant aspect of an HMO is that you need to choose a physician and hospital from the list of available health care providers in the insurance company's plan and you are locked into using those chosen for your health care needs. You can change primary care providers if necessary but you will have to go through the paperwork to do so.
Leading Arkansas Health Insurance Companies
Health Insurance Coverage Options
PPO stands for Participating Provider Organization and is the next type of policy and is growing in popularity because while it is similar to an HMO in how it works and you still have to pick from a list of participating physicians and hospitals you are NOT locked into one doctor or facility. You can pick and choose from any on the list at any time without going through any paperwork to make changes.
POS, or Point of Service, was once the most common type of health insurance. It came before all of the others and is what most people consider the traditional form of health insurance. You do not have to deal with provider lists when you have a POS, you go to any doctor or hospital and the insurance company pays a percentage of the bill while you are charged for the remainder of the fees. With the concept of HMO and PPOs the POS service became the most expensive type of health insurance and is used much less often even though it gives you the most flexibility.
In Arkansas Humana Health Care is a large nationwide insurance company that provides excellent coverage at extremely affordable health insurance rates. They have a wide selection of policy types so you can decide which one best suits your needs and all of the most common supplements too if you desire dental, vision, and pharmaceutical coverage.
Arkansas Blue Cross and Blue Shield is instantly recognizable as one of the highest quality health insurance companies in the country and with a nationwide health care provider behind you it is easy to rest assured you will get the medical attention you need. Blue Cross and Blue Shield has affordable health insurance that will give you choices between HMO, PPO, and POS programs as well as all of the extras you desire to add on.
Resources and Information
Arkansas Medicare Plans
Seniors age 65 and older are eligible for a variety of Medicare plans in Ohio. Medicare plan options include Medigap and Medicare Advantage policies:
Arkansas Doctor Directory
Doctors practicing medicine in the State of Arkansas are licensed by the state. Doctors accept different forms of health insurance which you can verify before setting an appointment.