Medicare Supplement

Medigap in Arkansas for 2027: 24 Insurers and the Plans They Sell

LITTLE ROCK — As Arkansans sort through their Medicare choices for 2027, Medicare Supplement coverage — commonly called Medigap — remains one of the main ways to limit what Original Medicare leaves behind. A search of Medicare.gov's Medigap policy tool for ZIP code 72201 returns 24 insurers listed for the state, offering a mix of the federally standardized plan letters.

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What is Medigap and how is it different from Medicare Advantage in Arkansas?

Medigap is private insurance that works alongside Original Medicare (Parts A and B) to help pay the deductibles, coinsurance and copayments Medicare does not cover. It is not the same as Medicare Advantage, which replaces Original Medicare with a private plan that bundles hospital, medical and usually drug benefits.

With a Medigap policy, you keep Original Medicare as your primary coverage and the Medigap plan pays secondary. You can see any provider in the country who accepts Medicare. Medicare Advantage plans, by contrast, typically use networks and separate rules. You cannot be enrolled in both at once — picking Medigap means staying with Original Medicare.

Which Medigap insurers and plan letters are sold in Arkansas for 2027?

Medicare.gov's Medigap policy search for ZIP code 72201 lists 24 insurers, and across all of them the plan letters sold are A, B, C, D, F, F-HD, G, G-HD, K, L, M and N. What is actually available can differ by ZIP code and by age, sex and tobacco use. Plans C and F are closed to people who became newly eligible for Medicare on or after January 1, 2020.

The insurers listed, with the plan letters shown for each:

• AARP – UnitedHealthcare Insurance Company (A, B, C, F, G, K, L, N)
• AARP – UnitedHealthcare Insurance Company of America (A, F, G, N)
• AFLAC (A, F, G, N)
• American Benefit Life Insurance Company (A, F, G, N)
• Arkansas Blue Cross Blue Shield (A, B, C, D, F, F-HD, G, G-HD, N)
• Atlantic Capital Life Assurance Company (A, F, G, G-HD, K, N)
• Bankers Life, underwritten by Washington National Insurance Company (A, F, G, G-HD, N)
• Continental Life Insurance Company of Brentwood, Tennessee (Aetna) (A, F, G, G-HD, N)
• HealthSpring National Health Insurance Company (A, F, G, G-HD, N)
• Humana (HumanaDental Insurance Company) (A, F, G, G-HD, N)
• Humana Achieve (CompBenefits Insurance Company) (A, F, G, G-HD, N)
• Insurance Company of North America (A, F, G, G-HD, N)
• LifeShield National Insurance Company (A, F, G, N)
• Lumos Insurance (A, F, G, G-HD, N)
• Mutual of Omaha Insurance Company (A, F, G, G-HD, N)
• New Era Life Insurance Company (A, C, F, F-HD, G, G-HD, M, N)
• Old Surety Life Insurance Company (A, C, F)
• Physicians Life Insurance Company (A, F, G, N)
• Qualchoice Life (A, F, F-HD, G, G-HD, K, N)
• State Farm Mutual Automobile Insurance Company (A, C, D, F, G, N)
• United American Insurance Company (A, B, C, D, F, F-HD, G, G-HD, K, L, N)
• USAA Life Insurance Company (A, F, G, N)
• Wisconsin Physicians Service Insurance Corporation (A, C, F, G, N)
• WoodmenLife (A, F, G, G-HD, N)

Because each lettered plan is standardized by federal rule, a Plan G from one insurer covers the same Medicare-defined gaps as a Plan G from another. Premiums, customer service and underwriting practices are where companies differ.

Why does the six-month Medigap Open Enrollment Period in Arkansas matter?

The Medigap Open Enrollment Period is a one-time, six-month window that starts the first month you are both 65 or older and enrolled in Medicare Part B. During that window, an Arkansas resident can buy any Medigap plan sold in the state from any listed insurer without medical underwriting — a company cannot refuse you or charge more because of health history.

Outside of that window, insurers in most situations may ask health questions and decide whether to issue a policy and at what price. That is why the six-month window matters: it is the one time most people are guaranteed access to the full menu.

What happens if my Medicare Advantage plan is not returning to Arkansas in 2027?

If your Medicare Advantage plan is one of the 20 offered in Arkansas in 2026 that will not be offered anywhere in the state in 2027, you have a federal guaranteed-issue right to buy certain Medigap plans. That means an insurer must sell you one of the Medigap plans the right covers, cannot use your health history against you, and cannot impose a pre-existing condition waiting period.

Guaranteed-issue rights also apply in other situations — for example, if you lose certain employer or union coverage. Medicare.gov lists the specific plans available under each right and the deadlines for using it.

Does Medigap cover prescription drugs in Arkansas?

No. Medigap policies sold today do not include prescription drug coverage, so Arkansans who want drug coverage choose a stand-alone Part D plan separately. For 2027, the Part D out-of-pocket cap is $2,400, the maximum any plan may charge as a deductible is $700, and the national base beneficiary premium used in the late-enrollment penalty calculation is $41.33. Individual plan premiums are set plan by plan.

Annual Enrollment for 2027 runs October 15 through December 7, 2026, with choices taking effect January 1, 2027. Compare specific Part D plans on the Medicare Plan Finder at Medicare.gov.

How should I compare Medigap policies in Arkansas?

Start by picking the plan letter that matches the coverage you want, then compare insurers that sell that letter. Because the benefits inside a given letter are standardized by federal rule, the practical differences come down to premium, how the insurer sets rates as you age, financial stability, and customer service.

Ask each insurer how its premiums are structured, whether rates change with age, and what the application process looks like if you are applying outside your Medigap Open Enrollment Period. Keep in mind that the Social Security Administration announced on October 14, 2026 a 3.6 percent cost-of-living adjustment for benefits payable beginning January 2027, which affects Social Security checks but not Medigap premiums directly.

Where can Arkansans get free help with Medigap and Medicare?

Medicare.gov has a Medigap policy search that shows the insurers listed in your ZIP code and the plan letters each one sells, along with the Medicare Plan Finder for Part D. You can also call 1-800-MEDICARE (1-800-633-4227), which is open 24 hours a day, seven days a week, for help in English, Spanish and other languages.

Plan details — premiums, how a policy is rated, what documents to review — come from the Medicare Plan Finder at medicare.gov, 1-800-MEDICARE, or the plan's or insurer's own documents.