With health care costs on the rise, it's imperative to find affordable Arkansas health insurance.
InsureMe is here to make the process of finding Arkansas health insurance an easy one. By entering your information to the right, we will provide you with up to five free quotes on Arkansas health insurance in your area.
Don't wait for that unexpected illness or unforeseen injury. Find Arkansas health insurance today.
Can I be turned down for Arkansas health insurance on account of my health status?
Your Arkansas health insurance options are somewhat dependant on your health status. However, there are practices in effect to help you get and keep your coverage.
Nondiscrimination — prohibits denial or limitation of health coverage because of your health status if you are insured under a group plan.
Guaranteed Issue — if you are purchasing small group coverage for your business, you may not be turned down for coverage because of your group's gender, age or health status.
Guaranteed Renewability — your Arkansas health insurance cannot be cancelled because you get sick.
State-Continued Coverage — if you leave your job, you may be able to stay on your group's old health plan for a specified amount of time.
What if I am unable to obtain individual Arkansas health insurance?
If you have been turned down by Arkansas health insurance companies because of a pre-existing health condition, you may obtain coverage though Arkansas' Comprehensive Health Insurance Pool (CHIP).
CHIP is an individual major medical policy for those who cannot obtain Arkansas health insurance in the regular market. Enrollees can choose calendar-year deductibles of $1,000, $5,000 or 10,000.
What if I can't afford Arkansas health insurance?
If you lack the financial means to buy Arkansas health insurance, there are still options available.
Will my children be covered under my Arkansas health insurance?
By law, your Arkansas health insurance must cover newborns and adopted children — as long as your policy covers dependents. You will also need to notify your Arkansas health insurance company 90 days before the birth of a child and 60 days before the adoption of a child.
Can you offer any tips when shopping for Arkansas health insurance?
When shopping for individual Arkansas health insurance, it is important that you:
Read and Understand the Policy — make sure it provides the type of coverage that is right for you to avoid any unwelcome surprises down the road.
Insist on Major Medical Coverage — buying anything less puts you and your wallet at risk in the event that you should become seriously ill or injured.
Take a Look — make sure your Arkansas health insurance includes a "free look" period of 10 or more days. This allows you to spend some serious time reviewing your policy. If you decide it isn't for you, you may return it for a full refund.
Shop Around — policies differ in coverage and cost. The best way to compare Arkansas health insurance policies is by using InsureMe's free referral service to find out which policy is best for you.
Find Arkansas Health Insurance Today!
Don't wait for that unexpected illness or injury. Enter your information to
the right and receive up to five free quotes on Arkansas health
insurance in your area!