1. Health

Arkansas Health Insurance

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Updated June 01, 2006

Arkansas Insurance Department

The Arkansas Insurance Department is responsible for regulating all types of insurance sold in the state of Arkansas - including health insurance policies.

If you are looking for health insurance coverage, they have lists of insurance agents and insurance companies licensed to do business in Arkansas. Insurance company websites can be found here.

If you are having trouble resolving a claims dispute with your insurer, you can file a complaint with the Insurance Department. Contact the Insurance Department for a form, or fill one out online.

Arkansas Insurance Department
1200 West Third Street
Little Rock, AR 72201-1904
Phone:(501) 371-2640 or (800) 852-5494
http://www.insurance.arkansas.gov/

U.S. Department of Labor

If you get your insurance through your job, your plan is also regulated by the U.S. Department of Labor's Employee Benefits Security Administration (EBSA). They make and enforce the rules that your employer must follow when offering health insurance coverage to employees - for example, your employer cannot single out an individual employee to exclude her from the plan because she (or one of her dependents) has a costly illness. Also, if there are 20 or more employees at your job, you should be offered COBRA continuation coverage when you leave your job. The EBSA works to make sure that all of this happens and your rights are protected.

If you have concerns about your employer's practices in administering your job-based health coverage - for example, if you think you should have been offered COBRA continuation coverage, but were not, or if you feel that you were wrongly terminated from your health plan - contact your regional EBSA office.

U.S. Department of Labor Employee Benefits Security Administration
Dallas Regional Office
525 South Griffin Street, Room 900
Dallas, TX 75202-5025
Roger Hilburn - Director
Tel 214.767.6831
Fax 214.767.1055
http://www.dol.gov/ebsa/

Arkansas Comprehensive Health Insurance Pool (CHIP)

The Arkansas Comprehensive Health Insurance Pool offers coverage to "HIPAA eligible" individuals, as well as those who have been rejected for individual policies because of preexisting health conditions. "HIPAA eligible" individuals are people who have left job-based group coverage AND have elected and fully exhausted any COBRA or state-operated continuation coverage they were offered. For more details on CHIP eligibility requirements, contact CHIP by phone or visit their website. The website also includes information on premium rates and coverage.

Arkansas Comprehensive Health Insurance Pool
P.O. Box 419
Little Rock, AR 72203
Phone: (800) 285-6477
http://chiparkansas.org/

Buying Individual Policies in Arkansas

Unfortunately, Arkansas law allows insurers offering individual policies to reject applicants for having preexisting medical conditions. People with such conditions should look into buying a policy through the Arkansas Comprehensive Health Insurance Plan.

ARKids First - the state Children's Health Insurance Program

ARKids First provides health insurance coverage for children under age 19 whose family meets certain income guidelines. There are two separate programs - ARKids A and ARKids B. ARKids B has more generous family income limitations.

ARKids First
Phone: 888-474-8275
http://arkidsfirst.com/home.htm

Arkansas Seniors Health Insurance Information Program (SHIIP)

The Arkansas Seniors Health Insurance Information Program provides free one-on-one counseling for Medicare beneficiaries with questions about any aspect of Medicare, including the new Part D prescription drug benefit, or Medigap coverage.

Arkansas Seniors Health Insurance Information Program
Phone: 501-371-2782 or 800-224-6330
Email: insurance.shiip@arkansas.gov
http://insurance.arkansas.gov/seniors/divpage.htm

Arkansas Medicaid

Medicaid is a government program designed to help the poor and indigent obtain health care services. Pregnant women and children under age 19 who meet certain income requirements may be eligible for Medicaid coverage, along with aged, blind, and disabled individuals. For more information about eligibility, contact the Arkansas Department of Health and Human Services Office in your county.

Arkansas Department of Health and Human Services
Phone: 800-482-8988
http://www.arkansas.gov/dhhs/dco/

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