Best Medicare Supplement Plans in Arkansas
Choosing a Medicare Supplement plan – also known as a Medigap plan – can feel overwhelming at first. With 10 different plan options available in Arkansas (Plans A, B, C, D, F, G, K, L, M, and N), it’s easy to assume you need to compare every single one.
But here’s the good news: you don’t.
Most people end up picking between two plans: Plan G and Plan N. These two strike the best balance between cost and coverage, making them the most popular choice for new Medigap enrollments not just in Arkansas but across the country.
In this guide, we’ll walk you through everything you need to know to make a confident, well-informed choice, including:
- The most popular and reliable Medigap plans available in Arkansas
- A breakdown of the best (and worst) priced insurance companies
- A cost-saving look at High-Deductible Plan G
- When to enroll in a Medigap plan
- Frequently asked questions about coverage, costs, and switching
Whether you’re brand new to Medicare or exploring your options during the birthday rule window, this guide is built to help you make the best choice for your health, your budget, and your peace of mind.
Let’s start with the best plans available in Arkansas.
What Is the Best Medigap Plan in Arkansas?
Plan G has become the most popular Medigap plan in Arkansas (and nationwide) for one simple reason: it offers the most comprehensive coverage available to new Medicare enrollees.
Since Plan F is no longer available to those who became eligible for Medicare after January 1, 2020, Plan G has stepped in as the go-to option for those seeking broad protection and minimal surprises.
With its strong balance of coverage and predictability, it’s easy to see why so many are choosing Plan G to fill the gaps left by Original Medicare.
Plan G Features and Benefits:
- Covers nearly all out-of-pocket costs in Original Medicare – including hospital coinsurance, skilled nursing, and Part B excess charges
- The only thing not covered is the annual Medicare Part B deductible ($257 in 2025)
- No network restrictions – see any doctor or specialist nationwide who accepts Medicare
- No referrals or prior authorizations
- No annual plan changes – Medigap plans are stable and guaranteed renewable
- Includes emergency foreign travel coverage (80% after deductible, up to plan limits)
If you’re looking for maximum peace of mind with minimal hassle, Plan G is often the best overall value, especially for those who visit providers regularly or want to avoid unexpected medical bills.
We know that Plan G is the best Medigap plan – now let’s look at the best Medigap Plan G providers.
What Is the Best Insurance Company for Medigap Plan G in Arkansas?
When it comes to Medicare Supplement insurance, Plan G remains the most popular and well-rounded option – offering near-complete coverage with no surprises.
But once you’ve decided on Plan G, the next question is:
Which insurance company should you choose?
All Medigap Plan G policies are federally standardized, and the medical benefits are exactly the same no matter which company you go with.
Whether it’s Cigna, Allstate, or any other carrier, your coverage for hospital stays, outpatient care, Part B excess charges, and foreign travel emergencies is identical.
What really sets companies apart are things like monthly premiums, customer experience, available discounts, and extras like dental, vision, and hearing coverage.
In Arkansas, two companies clearly rise to the top in 2025 for Plan G: Cigna and Allstate. Both offer strong rates, extra features, and a solid reputation.
Let’s compare the two side-by-side to get a better picture of their offerings.
| Insurance Company | Monthly Premium (Female, Age 65) | Perks and Features |
|---|---|---|
| Cigna | $155.60 | DVH add-ons, household discounts, no referrals, national brand |
| Allstate | $164.12 | DVH add-ons, household discounts, strong customer service reputation |
Both Cigna and Allstate offer:
- Identical Medigap Plan G coverage, as required by law
- Nationwide provider access – no networks, no referrals, and no prior authorizations
- Optional dental, vision, and hearing (DVH) add-ons, so you can bundle essential services
- Household discounts that can significantly reduce your monthly premium if you qualify
Cigna currently holds the edge when it comes to base premium, but don’t overlook Allstate, especially if you’re eligible for their household discount or if you value responsive customer support and personalized service more.
In some zip codes, Allstate ends up being nearly identical in cost once discounts are applied.
Our Recommendation
When it comes to Plan G in Arkansas, both Cigna and Allstate are excellent choices. Since the coverage is standardized, the best approach is to focus on the numbers and available discounts – and choose the company that gives you the lowest net premium after applying any household or regional discounts.
Next up, let’s look at a popular alternative to Plan G – Medigap Plan N.
Plan N: Lower Premiums, Solid Coverage
Plan G may be the most popular choice, but Medigap Plan N is quickly catching on with Arkansas Medicare enrollees who want solid coverage without the high premiums.
Plan N offers a great balance between affordability and protection, making it a smart pick for healthy folks who don’t mind a bit of cost-sharing to save on monthly costs.
For many new enrollees who became eligible for Medicare after January 1, 2020, Plan N has emerged as a budget-friendly alternative to Plan G. It offers many of the same core benefits while keeping premiums lower.
Plan N Features and Benefits:
- Covers key out-of-pocket costs in Original Medicare, including hospital coinsurance, skilled nursing facility care, and Part A deductible
- Does not cover the annual Medicare Part B deductible or Part B excess charges
- Small copays may apply: up to $20 for doctor visits and $50 for emergency room visits (waived if admitted)
- No network restrictions – see any provider nationwide who accepts Medicare
- No referrals are required for specialists
- Guaranteed renewable with no annual plan changes
- Includes emergency foreign travel coverage (80% after deductible, up to plan limits)
If you’re in good health, visit the doctor infrequently, and want to save on monthly premiums, Plan N could be your ideal fit. It’s particularly attractive for those who are comfortable with modest out-of-pocket costs in exchange for long-term savings.
Now that you understand a little more about Plan N, let’s take a look at the top Medigap Plan N providers in Arkansas.
Which Medigap Company in Arkansas Offers the Best Plan N Premiums?
Two companies stand out in Arkansas for their competitive Plan N rates and reliability: Aetna (Continental Life) and ACE Property and Casualty Insurance Company (Chubb).
Here’s a quick side-by-side comparison of the two.
| Company | Monthly Premium | Perks and Features |
|---|---|---|
| Aetna (Continental Life) | $111.29 | DVH add-ons available, household discounts, strong Medicare brand recognition |
| ACE (Chubb) | $121.08 | Basic coverage only, 7% household discount, no DVH or added features |
Aetna offers the lowest premium among the two and pairs it with a more flexible package, including optional dental, vision, and hearing (DVH) coverage and a household discount for those who qualify.
Aetna is also a well-established name in the Medicare space, which may give some enrollees added peace of mind regarding claims handling and customer service.
ACE, on the other hand, takes a leaner approach. The company doesn’t offer DVH benefits or extra perks, but its Plan N is straightforward and its backed by Chubb, a financially stable insurer with an A++ rating from AM Best.
While ACE’s premium is slightly higher than Aetna’s, it appeals to shoppers who prefer a no-frills, simple policy with a solid financial foundation – and who don’t need or want bundled extras.
Our Recommendation
If you’re looking for a Plan N policy that offers the best blend of value, flexibility, and brand recognition, Aetna is likely your best bet. With a lower monthly premium and access to optional DVH coverage, it’s a strong choice for individuals who want a little more convenience and coverage flexibility without sacrificing affordability.
That said, if you prefer a straightforward, minimalistic plan and don’t need add-ons or customer programs, ACE may still be a smart fit – especially if you’re focused on financial strength and a simplified experience.
Either way, your best move is to compare quotes based on your zip code and household situation and see how discounts affect the final price.
Let’s say you want lower premiums but still have a solid safety net of coverage. In that case – you might want to look at High-Deductible Plan G. We’ll review that plan next.
What Is the Most Cost-Effective Medigap Plan in Arkansas?
If your primary goal is to keep your monthly premium as low as possible while still protecting yourself from serious medical costs, High-Deductible Plan G (HDG) may be the most cost-effective option available in Arkansas.
HDG offers the exact same benefits as standard Plan G – including hospital coverage, outpatient care, and excess charges – but with one major trade-off: you’re responsible for paying the first $2,870 in Medicare-approved costs out of pocket in 2025 before your plan kicks in.
In exchange for that higher deductible, your monthly premium is dramatically lower.
This makes HDG a smart option for people who:
- Rarely go to the doctor
- Want protection against major or unexpected medical events
- Prefer to save on monthly costs and take on more up-front risk
Next up, we’ll review what we believe to be the best providers for High-Deductible Plan G.
What Is the Best Provider for High-Deductible Plan G in Arkansas?
Two companies stand out for offering the most competitive High-Deductible Plan G premiums in Arkansas: Aetna and Cigna.
Here’s another comparison, you can see they’re quite similar.
| Company | Monthly Premium | Perks |
|---|---|---|
| Aetna | $49.56 | DVH add-ons available, household discounts |
| Cigna | $54.93 | DVH add-ons available, household discounts |
Both Aetna and Cigna provide identical HDG coverage – because, like all Medigap plans, benefits are standardized by Medicare.
You’ll also find similar perks across both companies, including:
- Access to optional dental, vision, and hearing (DVH) add-on coverage
- Household discounts that can reduce your rate if you qualify
- Nationwide provider access, with no networks or referrals
The real difference comes down to base premium and location-based pricing. Aetna currently offers the lower published rate, but premiums can vary by zip code, age, and discount eligibility – so it’s not always a one-size-fits-all answer.
Our Recommendation
If you’re in good health and want to keep your monthly premiums under control, High-Deductible Plan G is one of the most affordable ways to secure strong Medicare coverage in Arkansas.
Between Aetna and Cigna, both offer flexible packages with optional extras – but Aetna currently has the pricing advantage in most areas.
That said, it’s always smart to compare quotes based on your specific demographic, household situation, and location.
While Medicare standardized Medigap benefits, pricing is not. So, I’d like to review some companies that charge way too high premiums and offer little value in return.
Worst Priced Medigap Companies in Arkansas
Two people with the exact same plan – even in the same state – can pay drastically different premiums based on the company they choose. That’s why it’s not enough to pick a plan letter like Plan G – you need to choose the right insurance company behind it.
Unfortunately, several well-known Medigap carriers in Arkansas are currently charging well above the state average for Plan G – and not offering any added value in return.
Overpriced Plan G Providers in Arkansas (2025)
| Company | Monthly Premium (Age 65 Female) | Notes |
|---|---|---|
| United American | $331.00 | Highest-priced Plan G in Arkansas; limited presence in the Medigap market |
| Manhattan Life Assurance Co. | $202.00 | Small company; pricing not competitive with market leaders |
| Mutual of Omaha | $221.59 | Well-known national brand, but currently overpriced in this market |
| Blue Cross Blue Shield of AR | $178.70 | Respected local carrier, but more expensive than top-tier alternatives |
Competitor Analysis
United American and Manhattan Life both price themselves out of contention for most shoppers. They offer no unique advantages and have a limited market footprint, especially compared to more competitive carriers.
Mutual of Omaha has a strong national reputation and a long-standing history in the Medicare space – but in Arkansas, its Plan G rate is noticeably higher than lower-cost competitors offering the same coverage.
Blue Cross Blue Shield of Arkansas is a trusted local brand, and many people default to it for that reason. But in 2025, their rates simply don’t align with the most cost-effective options available – especially when companies like Cigna, Allstate, and Aetna are offering similar or better perks for significantly less.
Medigap Plan G is standardized – so a $178 plan and a $221 plan cover the exact same services. You’re not getting more value for the extra dollars – you’re just paying more.
Our Recommendation
Reputation is important, but not at the expense of value. In Arkansas, companies like Cigna, Allstate, and Aetna are offering highly competitive Plan G rates in 2025 – often with household discounts and optional extras like dental, vision, and hearing.
These carriers provide the same federally standardized coverage, but at a price point that makes far more sense for the average enrollee.
Before you lock in your plan, it’s smart to compare quotes based on your zip code, age, and household eligibility.
A quick conversation with a licensed Policy Guide agent can help you avoid overpaying for identical coverage – and give you the peace of mind that you’re making a financially sound choice.
Which Medigap Plan Do Most People Select in Arkansas?
Across Arkansas (and the country), Plan G has emerged as the top choice for Medicare Supplement enrollees.
With more than 3 million people nationwide enrolled, Plan G offers the most comprehensive coverage available to new Medicare beneficiaries.
Plan G is popular because it:
- Covers nearly all of Medicare’s out-of-pocket costs, including hospital coinsurance, skilled nursing, and Part B excess charges
- Requires only the annual Part B deductible ($257 in 2025)
- Delivers predictable, stable coverage with no network restrictions or annual plan changes
For those who want to eliminate financial surprises and have peace of mind, Plan G continues to be the gold standard.
Plan N: A Strong Runner-Up
Plan N is the second most popular choice, with over 1.5 million enrollees nationwide. It offers a lower monthly premium than Plan G while still covering most major costs.
Plan N includes:
- Full hospital coverage and most outpatient services
- Copays of up to $20 for office visits and up to $50 for ER visits
- No coverage for Part B excess charges (though these are rare in most areas)
For healthy individuals who don’t see doctors frequently and want to save on monthly premiums, Plan N offers excellent value without sacrificing essential benefits.
Most Arkansas Medicare enrollees choose Plan G for its simplicity and security. But if you’re willing to take on a bit of cost-sharing to lower your premium, Plan N may be a smart alternative.
You can have a licensed Policy Guide agent help you compare both side by side and find the best fit based on your health, budget, and provider preferences.
Enrolling in a Medigap Plan in Arkansas
While you can apply for a Medicare Supplement (Medigap) plan in Arkansas at any time of year, you’re not always guaranteed acceptance.
To avoid medical underwriting – and potential denial or rate increases – it’s important to apply during one of the guaranteed issue windows. Let’s review them both.
#1. Initial Enrollment Period
Your best opportunity to enroll is during your 6-month Medigap Open Enrollment Period, which begins when you’re 65 or older and enrolled in Medicare Part B.
During this time:
- You can enroll in any Medigap plan offered in your area
- You cannot be denied due to preexisting conditions
- Carriers cannot charge you more based on your health
#2. Special Guaranteed Issue Events
In addition to your initial enrollment window, you may qualify for guaranteed issue rights if:
- You lose employer-sponsored coverage
- You leave a Medicare Advantage plan within the first year
- Your existing plan terminates or withdraws from your area
These events allow you to switch or enroll in a Medigap plan without underwriting, but options may be limited to specific plans.
Is There a Birthday Rule in Arkansas?
No. Unlike some other states, Arkansas does not offer a birthday rule.
This means you do not have a guaranteed annual opportunity to switch Medigap plans without underwriting. If you want to change plans or carriers outside of a protected window, medical underwriting may apply.
What Happens Outside of Enrollment Windows?
If you’re applying for a Medigap plan outside of your Open Enrollment Period or a special guaranteed issue event, most carriers in Arkansas will:
- Require medical underwriting
- Have the right to decline your application
- Potentially charge higher premiums based on health conditions or prescription history
This makes it critical to enroll at the right time – or to work with a licensed Policy Guide agent who can help you assess your options and underwriting risk.
Do I Need to Stay Within a Network or Get Referrals with Medigap?
One of the biggest advantages of choosing a Medicare Supplement (Medigap) plan over Medicare Advantage is the freedom to access care without restrictions.
With Medigap, you have:
- No network limitations – you can see any doctor or specialist in the U.S. who accepts Medicare
- No referrals required – go straight to the specialist you need, without gatekeepers
- No prior authorizations – get care approved faster, without administrative delays
This gives you direct, flexible access to care, whether it’s across town or across the country.
Can I Go to the Mayo Clinic With My Medigap Plan?
Yes. Medigap coverage is ideal for those who want or need care at elite medical centers that often don’t participate in Medicare Advantage networks, including:
- Mayo Clinic
- Cleveland Clinic
- Johns Hopkins Medicine
- Shands at the University of Florida
- And many more nationally recognized facilities
Medigap offers nationwide provider access, faster care, and fewer restrictions, making it ideal for frequent travelers, those living in multiple states, and anyone seeking specialist care without delays. It allows you to prioritize your health over insurance hassles.
Bottom Line
Choosing the right Medicare Supplement (Medigap) plan doesn’t have to be overwhelming. While there are 10 standardized plans available in Arkansas, the majority of new enrollees choose between just two: Plan G and Plan N.
Both plans offer strong coverage, nationwide provider access, and no network restrictions, but they differ in how much you pay in monthly premiums versus out-of-pocket costs.
- Plan G is the most popular choice for a reason: it offers nearly complete coverage, predictable costs, and peace of mind. You’ll only be responsible for the Part B deductible – and that’s it. If you want minimal surprises and maximum coverage, Plan G is your safest bet.
- Plan N, on the other hand, is a cost-effective alternative that still covers all the major gaps in Original Medicare. If you’re healthy, don’t visit the doctor often, and are comfortable with a few small copays, Plan N could save you a lot in premiums without compromising key benefits.
When it comes to choosing a provider, companies like Cigna, Allstate, and Aetna are leading the way in Arkansas, offering competitive pricing, household discounts, and optional dental, vision, and hearing add-ons.
While coverage is federally standardized, pricing is not – so it pays to compare quotes and ask about available discounts.
Whether you prioritize full coverage, lower premiums, or something in between, the best plan is the one that fits your health needs, your budget, and your preferences.
Need help making the final call? A licensed Policy Guide agent can walk you through your options, check for discounts, and ensure you don’t overpay for the same coverage someone else is getting for less.
Frequently Asked Questions (FAQs)
Q: What’s the most popular Medicare Supplement plan in Arkansas?
A: Plan G is the most widely selected Medigap plan in Arkansas and nationwide. It covers nearly all out-of-pocket costs left by Original Medicare, except for the small annual Part B deductible. Its simplicity, predictability, and broad coverage make it the top choice for most new enrollees.
Q: Can I switch Medigap plans in Arkansas without health questions?
A: Only under certain circumstances. Arkansas does not offer a birthday rule, so if you’re outside of your initial enrollment window or a guaranteed issue event (like losing employer coverage), you may be subject to medical underwriting. Carriers can deny your application or charge more based on your health history.
Q: Do Medigap plans include dental, vision, or hearing coverage?
A: No – Medigap plans only cover gaps in Original Medicare. However, some carriers like Cigna, Aetna, and Allstate offer optional dental, vision, and hearing (DVH) add-on packages for an additional premium. If these benefits are important to you, it’s worth choosing a company that offers them directly.
Q: Can I use my Medicare Supplement plan anywhere in the U.S.?
A: Yes. Medigap plans have no networks and are accepted by any doctor or hospital that accepts Medicare – nationwide. Whether you live full-time in Arkansas or travel frequently, you’ll have consistent access to care without needing referrals or worrying about network limitations.
Q: What’s the difference between Plan G, Plan N, and High-Deductible Plan G?
A: All three plans cover the core benefits of Original Medicare, but with different levels of cost-sharing:
- Plan G offers the most comprehensive coverage with no copays, just the Part B deductible.
- Plan N has lower premiums but includes copays for office and ER visits, and doesn’t cover excess charges.
- High-Deductible Plan G works like standard Plan G, but you must pay the first $2,870 in Medicare-approved costs before the plan pays anything – in exchange for a much lower premium.
