816-400-4477Health Insurance in Arkansas
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From Health Insurance Brokers in Arkansas
Individual Health Insurance
Insurance can be complicated. Between the dozens of providers, changing laws, different kinds of insurance, and so many options, it's a challenge to navigate and find the right plan for your budget and needs.
That's where an insurance broker can help. Apollo are the experts in health insurance and will fight for you. There's no extra cost to you and you'll have an insurance person to always turn to.
Group Health Insurance
Do you want to provide an affordable insurance option for your employees?
Or maybe your employees are already insured but the cost has increases. It may be time to shop for a better group plan. Having health insurance through an employer is an additional way to acquire and keep talent. Connect with Apollo to find the best group insurance plan for you and your employees.
Life Insurance
Let's be honest, we often don't think about the extremes of what could happen in life. Life insurance is the least purchased kind of insurance even though plans start at only a few dollars a month. If you want to make sure your family is taken care of, this simple insurance can have a huge effect in case of death.
Dental Insurance
A good smile can be worth a million dollars.
Everyone can benefit to good oral care and the cost of emergencies can be quite large. Luckily there are flexible dental insurance plans for everyone. Contact us to get a dental plan that works for your budget.
Vision Insurance
Our eyes are one of our most precious organs, and we only have two, so proactive protection and care is key to maintaining these vital organs! Particularly for children, they don’t yet know how beautiful the world is through perfect vision, it is our responsibility as parents and caretakers to be in-tune with the world through their eyes. On the flip side, as we age our eyes do as well, and thus the frequency for vision checks increases exponentially.
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Health Insurance Broker Services in Arkansas
Apollo Health Insurance is dedicated to delivering peace of mind through health insurance that is tailored to our clients’ needs. Rest easy knowing your medical challenges are simplified by our industry experts and knowledgeable advisors. Read on to learn more about health care in Arkansas.
Quick Facts About Health Insurance in Arkansas
When to Enroll in Arkansas Health Insurance
Enrolling in health insurance in Arkansas is only restricted for On-Exchange/ACA insurance plans. For these plans, most people can only enroll during the Open Enrollment period. Open Enrollment for the federal ACA Marketplace is from November 1, 2024 – December 15, 2024. To enroll outside of Open Enrollment, you will need a qualifying life event.
With some exceptions, there are no restrictions on enrolling in Off-Exchange plans. Generally speaking, plans that are not found on the federal Marketplace allow enrollment year-round.
Categories of Health Insurance in Arkansas
In Arkansas, there are various health insurance options available, including Bronze, Silver, and Gold plans. These plans provide coverage for medical expenses and allow for pre-tax contributions, which can be converted into savings. The best health insurance plans for Arkansas residents depend on income levels, with Medicaid being an option for those earning less than $16,612 annually. It’s crucial to select a plan that suits individual needs and budgets, comparing prices and coverage options from different companies.
- Bronze plans have the cheapest monthly premiums, but they also have the highest out-of-pocket costs. This means that if you need to use your insurance, you will have to pay more out-of-pocket before your insurance kicks in. It’s important to note that bronze plans primarily cover emergency medical expenses and may not be suitable for everyone.
- Silver plans have higher monthly premiums, but they also have lower out-of-pocket costs in comparison to Bronze plans. Sliver plans help provide more balance between monthly payments and out-of-pocket costs.
- Gold plans offer lower out-of-pocket costs in exchange for higher monthly premiums. They are designed to minimize the financial burden of high deductibles, making them an ideal choice for individuals or families with frequent healthcare needs or expensive prescription medications.
- Platinum plans have the highest monthly premiums and the lowest out-of-pocket costs of any health insurance plan available. Due to high monthly premiums, deductibles are very low, meaning your plan starts paying its share earlier than for other categories of plans.
Private Health Insurance in Arkansas
Health insurance is an important part of staying healthy and financially secure. It can help you pay for medical expenses, including doctor visits, hospital stays, and prescriptions. Private health insurance plans provide individuals and families with the flexibility to choose a plan that best fits their specific needs, budget, and preferred network of healthcare providers.
If you are a resident of Arkansas, there are a number of private health insurance plans available to you.
Types of Private Insurance
HMO (Health Maintenance Organization)
HMO (Health Maintenance Organization) plans require you to choose a primary care doctor who coordinates your care. HMO plans typically have lower premiums than other types of plans.
PPO (Preferred Provider Organization)
PPO (Preferred Provider Organization) plans allow you to see any doctor in the plans network, but you will pay more to see a doctor outside of the network. PPO plans typically have higher premiums than HMO plans.
POS (Point of Service)
POS (Point of Service) plans are a hybrid of HMO and PPO plans. You can choose a primary care doctor, but you can also see a doctor outside of the network for a higher copay. POS plans typically have premiums in between HMO and PPO plans.
EPO (Exclusive Provider Organization)
EPO (Exclusive Provider Organization) also offer a network of doctors and specialists, but coverage for out-of-network providers may vary based on your plan. While some EPOs may require a primary care physician, others may not. Unlike HMOs, EPOs generally do no mandate referrals for specialist visits.
How to Enroll in Arkansas Health Insurance
To enroll in a health insurance plan in Arkansas, contact us now. We will work with you to find the best plan for your budget and needs. Health insurance in the United States is a complicated beast, and Arkansas is no exception.
Let one of the experts at Apollo Health Insurance help you find the best health insurance coverage.