Health Insurance

Given today’s climate of economic and financial uncertainty, people know that finding affordable, quality Arkansas health insurance is an important step towards securing peace of mind concerning the health and well-being of themselves and their loved ones. With the price of medical care and treatments continuing to climb at extraordinary rates, it is reassuring to know that people have a reliable source to call upon when they need Arkansas health insurance quotes. And that source is insuranceUSA.com. In its most basic form, health insurance is simply an insurance plan which covers medical expenses, whether customary or emergency. It can also be expanded to cover long-term care or disability, depending on one’s needs.

The following article will provide information regarding the regulations of Arkansas health insurance, both for individuals and small groups. It will also give fundamental information concerning COBRA, The Consolidated Omnibus Budget Reconciliation Act of 1986. This plan basically provides workers and their families who lose their health insurance coverage (usually through the loss of employment) the right to continue group health insurance benefits, most often at their own expense.

You will also find interesting statistical information which can help you compare the health of Arkansasn residents with the health of people from other regions of the country.
This article will provide you with all the information you need about Arkansas health insurance and will enable you to choose the plan which is most suitable for your needs and circumstances. Once you have determined your choices, we at insuranceUSA.com are ready to assist you with health insurance quotes that will provide you with the coverage and satisfaction you both need and deserve.

Arkansas Individual and Family Health Insurance
Your eligibility to purchase individual or family health insurance in Arkansas is greatly influenced by your current and past health status and history. Arkansas health insurance companies may deny coverage to an applicant if they feel that the cost of insuring the individual will pose a risk to the company’s claims ratio- that is, they will be paying an exorbitant dollar amount in claims. Many times this is based on whether a person applying for health insurance has a pre-existing condition. Arkansas health insurance companies are permitted to look back 5 years to determine whether a person has a pre-existing condition. They may agree to offer you coverage, but may attach a rider to your policy which, in effect, exempts the company from having to pay any medical expense related to the pre-existing condition. Arkansas health insurance companies are also allowed to exclude a pre-existing medical condition for 2 years, regardless of whether the insured member had prior health insurance or not.

Arkansas Group Health Insurance
For Arkansas health insurance for a group or company, the state of Arkansas requires that a company have between 2 and 50 employees. Employers, however, are not required to provide Arkansas health insurance to all employees. For instance, part-time employees many not qualify for coverage, or those who live outside of the area covered by the insurance. Eligible employees, regardless of their current state of health, are guaranteed medical benefits under the group insurance plan. Some Arkansas health insurance plans may exclude coverage for pre-existing conditions. These are usually conditions that have been treated within the previous six months. If an employee is not eligible for coverage for a pre-existing condition, there are different types of insurance that can provide benefits to cover conditions that are excluded from the group policy. Under Arkansas health insurance regulations, insurance companies may not impose waiting periods before coverage begins. However, employers can decide on waiting periods, if any, before the group insurance plan goes into effect for employees.

Arkansas COBRA Insurance
Under Arkansas health insurance rules, the federal COBRA regulations apply to only those companies with more than 20 employees. An eligible employee may decide to keep their Arkansas health insurance coverage through COBRA for up to 18 months, or until they get other coverage, whichever comes first. There are exceptions to the 18 month limit. For instance, some dependents can remain covered for up to 36 months, and disabled persons can be covered for 29 months. COBRA is a way to extend the Arkansas health insurance you had from an employer. However, if the group insurance plans ends or your employer decides to stop providing health insurance for employees, your COBRA coverage will also end. For people whose COBRA coverage has ended, there is further Arkansas health insurance coverage available through the Arkansas Comprehensive Health Insurance Association (ACHIA).

Arkansas Health Information and Statistics
If you are in the market for quality Arkansas health insurance, the following facts may be of interest to you. You will find helpful statistical information outlining how Arkansas ranks in many categories related to overall health, both medical and lifestyle, plus other pertinent material.

Some of the positives of residing in Arkansas are moderate per capita public health funding and a low prevalence of binge drinking. Arkansas also faces many challenges, such as a high rate of cancer deaths, a high premature death rate, low immunization coverage, and a high prevalence of obesity.

According to a 2008 study, Arkansas had some significant changes over the past year, including a decrease in the prevalence of smoking by 6% and an increase in the prevalence of obesity by 9%. In the past five years, the percentage of children in poverty declined by 33%. Since 1990, the incidence of infectious disease decreased by 57%.

Following is a variety of statistical data related to living in Arkansas, as compared with the rest of the country. These state rankings may be helpful when you consider purchasing Arkansas health insurance.

  • Prevalence of Smoking-39th
  • Prevalence of Obesity-45th
  • Violent Crime-39th
  • Children in Poverty-36th
  • Air Pollution-32nd
  • Cancer Deaths-45th
  • Lack of Health Insurance-40th
  • Prevalence of Binge Drinking-7th
  • Infant Mortality-41st
  • Infectious Disease-31st
  • Premature Death-47th

Overall Rank: 43
Change: +5