Cheap Health Insurance in Arkansas

Decrease in child poverty and infant mortality has raised Arkansas’ rank to the 47th place in the list of healthiest states in the US. However, obesity, diabetes, smoking and the number of uninsured continue to rise. The government and the private providers strive to make cheap health insurance in Arkansas available to all the residents.

Those who have sufficient income and health condition to afford private health cover have plenty of resources to obtain insurance. They can shop around and compare quotes of different providers to land cheap health insurance in Arkansas. People with pre-existing conditions or disabilities and those with low income can look for low-cost or even free health cover made available through the government programs.

Some of the government programs that offer cheap health insurance in Arkansas are discussed here.

Medicaid

Full Medicaid is made available to people who are

  • 65 years old or above
  • Under 19 years of age
  • Blind
  • Disabled
  • Pregnant
  • Residing in nursing home
  • In foster care (under 21 years of age)
  • Suffering from cervical or breast cancer
  • The caretaker or parent of children with a disabled or unemployed or absent parent
  • In need of community based or home based medical services

There are specific requirements (income and others) to qualify for this health cover.

High Risk Pool

The requirements to qualify for CHIP are as follows,

  • Federal eligibility
  • Arkansas residency (minimum 90 days)
  • Continuous cover for 18 months without break
  • Previous insurance through government or church or group plan
  • Uninsurable
  • COBRA is used up
  • No record of coverage termination on the grounds of fraud or nonpayment

People who are qualified for Health Coverage Tax Credit (HCTC) can qualify for CHIP if they meet the specific requirements of the program.

ARKids First

There are two sections under this program,

  • ARKids A – Children from families with low income are covered under Medicaid.
  • ARKids B – Children from families with income higher than that, which qualifies for Medicaid, are offered cover with little or no premium payments.

Women’s Health

Arkansas women, who are of the childbearing age and are not eligible for Medicaid can qualify for Women’s Health program. The program offers many services and covers the following:

  • Lab work
  • Physical exams
  • Follow-up visits
  • Birth control

The state insurance department has further information and resources on how to obtain cheap health insurance in Arkansas.