Medicare Supplement

Is Medigap in Little Rock Worth a Second Look?

Little Rock shoppers looking at a Medicare Supplement policy — often called Medigap — quickly run into an alphabet: Plans A, B, D, G, K, L, M, N, plus a high-deductible version of G. If you were eligible for Medicare before 2020, you may also see Plans C and F. Those letters are set by federal law, which means the coverage inside each letter is the same from one insurer to the next. What can differ is the price, the customer service and which companies sell which letters in Arkansas.

Medicare SupplementLittle Rock, AR

Little Rock sits in Pulaski County, and according to the Medicare.gov Medigap policy search, 24 insurers offer Medigap policies in the 72201 ZIP code, spanning Plans A, B, C, D, F, F-HD, G, G-HD, K, L, M and N. The table below lists every insurer and the letters each one sells in Arkansas.

What "standardized" really means

Every state except Massachusetts, Minnesota and Wisconsin uses the same federal Medigap letters, and Arkansas follows the federal set. That means a Plan N is a Plan N — the deductibles, coinsurance and copays inside the letter are identical across carriers. If two companies both sell Plan G in Little Rock, the medical benefits are the same.

Where insurers differ is price, how they handle rate changes over time, and whether they offer household discounts or other administrative extras. Because the coverage is the same, comparing the same letter across multiple insurers is the most straightforward way to shop.

The letters you can buy today

If you became eligible for Medicare on or after January 1, 2020, you cannot buy Plan C or Plan F — those closed to new enrollees under federal law. You can still choose from:

• Plan A — the most basic set of Medigap benefits.
• Plan B — adds the Part A deductible.
• Plan D — broader coverage, without the Part B deductible piece.
• Plan G — the most comprehensive letter open to new enrollees.
• High-deductible Plan G — same coverage as G, but you pay a yearly deductible first.
• Plan K and Plan L — cost-sharing plans with an annual out-of-pocket limit.
• Plan M — splits some deductibles.
• Plan N — lower premiums in exchange for small office and ER copays.

People who were already eligible for Medicare before 2020 keep the right to buy Plans C and F if a carrier still sells them.

How Medigap fits with Original Medicare and Part D

Medigap is designed to sit on top of Original Medicare. Medicare pays its share of a covered service first, and your Medigap policy picks up some or all of what would otherwise be your share, depending on the letter.

Medigap does not include prescription drug coverage. If you want help paying for medications, you generally add a stand-alone Part D plan. A few 2026 Part D facts worth knowing:

• The Part D out-of-pocket cap is $2,100 for 2026.
• The maximum Part D deductible is $615.
• The old coverage gap ("donut hole") is gone as of 2025 — Part D now has three phases.
• The optional Medicare Prescription Payment Plan lets you spread drug costs across the calendar year in monthly amounts.

Also note: Medigap works with Original Medicare, not with Medicare Advantage. You generally cannot use a Medigap policy to pay Advantage plan costs.

Arkansas rules that shape your choice

The best time to buy Medigap is your six-month Medigap Open Enrollment Period, which starts the first month you are 65 or older and enrolled in Part B. During that window, insurers in Arkansas must sell you any Medigap policy they offer at their standard rate, regardless of your health history. Outside that window, in most cases, insurers can use medical underwriting — meaning your health can affect whether you qualify or what you pay.

Federal law also provides limited guaranteed-issue rights in specific situations, such as losing certain other coverage. Arkansas may have its own consumer protections on top of federal law. For questions about state-specific rights and current rules, the Arkansas Insurance Department and the state's SHIIP (Senior Health Insurance Information Program) counselors are the authoritative sources — and their help is free.

Shopping in Little Rock

Because benefits inside a letter are fixed, a practical way to compare is:

1. Decide which letter fits how you use care (for example, whether you want first-dollar coverage or are comfortable with small copays). 2. Look at which insurers in Little Rock sell that letter — the table below shows every carrier and the letters each offers in Arkansas. 3. Get quotes for that same letter from several of those insurers and ask each how they set rates as customers age.

A few of the insurers listed in Arkansas offer the full range of letters open today; others focus on a few, most commonly Plans A, F, G, G-HD and N. Reviewing the table before you call helps narrow the field.