Residents of Arkansas looking forward to health insurance options in Arkansas need to research on a few options before taking a decision. Most employers offer health insurance Arkansas schemes. However, most of these schemes do not offer adequate coverage. Therefore most insurance experts advise that people need to purchase separate health insurance Arkansas plans meeting their specific needs.
Business owners who have employed a workforce of between 2-50 employees can think of purchasing Health Plan One to offer group coverage for all your employees. People with pre-existing health conditions or disabilities and those who cannot afford expensive health insurance plans can think of subscribing to a range of low income health insurance Arkansas plans offered by the government. Some of these plans in the Arkansas include Medicaid, ARKids First, Women’s Health, or the high risk pool.
Children and adults living in Arkansas can benefit from a wide range of health insurance Arkansas plans offered by several insurance companies. ARKids First is a federally funded health insurance program for children. This is one of the largest health insurance service providers in the region. There is one another non-profit organization based in Little Rock namely ‘Arkansas Advocates for Children and Families’. This firm has launched a thoroughly planned outreach program to benefit thousands of uninsured children. There are also a few other firms in the health insurance Arkansas arena namely QCA Health Plan Inc., Mercy Health Plans, and Humana.
Those residents of Arkansas who have been denied of health insurance Arkansas schemes on account of pre existing conditions can resort to the new Federal Pre-Existing Condition Insurance Plan (PCIP). Like in other states, PCIP has been created in Arkansas as one of the requirements of the Patient Protection and Affordable Care Act (PPACA) passed on March 23, 2010. This law requires that in every state, the Secretary of the U.S. Department of Health and Human Services should create a temporary federal high risk pool. These schemes are operated either by the federal government, the non-profit organization or the state. PCIP is the coverage offered by this fund. In Arkansas, this pool is administered by the Arkansas Comprehensive Health Insurance Pool (CHIP), which is already into offering similar risk pool plans to the residents of this state. PCIP will offer coverage including prescription drug coverage, care in medical offices for illness or injury, emergency services, inpatient and outpatient hospital services, coverage for pregnancy, certain types of transplants, diabetes treatment, equipment and supplies, home health care, skilled nursing and hospice care, outpatient rehabilitative services, wellness services and screening, behavioral health services, inpatient and outpatient mental health and substance abuse services and several others. PCIP is interestingly a major medical insurance policy of comprehensive type. The annual deductible is $1,000.
A number of Low Income Health insurance Arkansas schemes for families and couples can prove economical for the residents of Arkansas. There are several websites that offer room to choose your plan by comparing between a number of health insurance service providers in the state. A well informed decision in choosing the right scheme offered by the right company will help you make a huge saving on the health insurance premiums in addition to offering an adequate coverage on your specific requirements.
