Best Medicare Supplement Plans in Arkansas 2026
Arkansas uses community pricing for all Medigap plans, meaning your premium is the same whether you are 65 or 85. Plan G starts at $168/mo and averages $224/mo statewide. We ranked 20+ carriers to find the best value in the Natural State.
Arkansas Uses Community Pricing: Your Age Does Not Affect Your Premium
All major Medigap carriers in Arkansas use community pricing, meaning a 65-year-old and an 85-year-old pay the same monthly rate for the same plan. Premiums can still increase over time due to inflation and claims experience, but your age alone will never drive an increase. This is a significant advantage for Arkansas seniors who enroll later in life.
Arkansas has over 200,000+ seniors enrolled in Medicare Supplement plans, and all major carriers use community pricing. That means your monthly premium is the same whether you enroll at 65 or 80, which is a meaningful advantage for seniors who delay enrollment or switch plans later in life.
Plan G is the most popular choice for new enrollees, covering nearly all Medicare out-of-pocket costs except the annual Part B deductible ($283 in 2026). The lowest Plan G in Arkansas is $118/mo from Aetna, though MedMutual Protect and Wellcare both offer $168/mo with stronger financial ratings. Arkansas Blue Cross and Blue Shield offers Medi-Pak, the dominant local brand, at around $205/mo in Little Rock.
Arkansas does not have a birthday rule, so your 6-month Open Enrollment Period when you first turn 65 and enroll in Part B is your most important enrollment window. After that, carriers can use medical underwriting to deny your application or charge higher premiums. Compare carefully before you enroll.
Compare the Best Medicare Supplement Plans in Arkansas
Our top-rated Medigap carriers in Arkansas, ranked by the MedicareFAQ Score. Premiums shown are for a 65-year-old in Little Rock. Because Arkansas uses community pricing, these rates apply regardless of age.
Mutual of Omaha
Plan G
$174/mo
Plan N
$136/mo
AM Best
A+
Mutual of Omaha is the top overall pick for Arkansas seniors, combining a strong A+ AM Best rating, competitive Plan G at $174/mo, and one of the lowest Plan N rates in the state at $136/mo. With a national claims-paying reputation and broad plan availability, Mutual of Omaha is the most reliable all-around choice in Arkansas.
Wellcare
Plan G
$168/mo
Plan N
$133/mo
AM Best
B
Wellcare offers the lowest Plan G premium in Arkansas at $168/mo, tied with MedMutual Protect. Their Plan N is also competitive at $133/mo. The main caution: Wellcare carries an AM Best rating of B (Fair), which is below the A or better threshold most advisors recommend. Best for budget-focused seniors who prioritize the lowest monthly premium and are comfortable with a lower-rated carrier.
MedMutual Protect
Plan G
$168/mo
Plan N
$123/mo
AM Best
A
MedMutual Protect (Medical Mutual of Ohio) matches Wellcare's lowest Plan G at $168/mo but with an A AM Best rating, making it the best value in Arkansas. Their Plan N at $123/mo is the second-lowest in the state, and they offer a high-deductible Plan G option starting around $60/mo. MedMutual is the top pick for Arkansas seniors who want the lowest premium without sacrificing financial strength.
State Farm
Plan G
$174/mo
Plan N
$130/mo
AM Best
A++
State Farm brings an A++ AM Best rating (the highest possible) to Arkansas at a competitive Plan G of $174/mo. Their Plan N at $130/mo is among the lowest in the state. With a large local agent network across Arkansas and the strongest financial rating available, State Farm is the best choice for seniors who prioritize long-term stability and local service.
Aetna
Plan G
$118/mo
Plan N
$111/mo
AM Best
A
Aetna offers the lowest Plan N in Arkansas at just $111/mo, making it the top pick for seniors who want to minimize monthly costs and are comfortable with small copays for office and ER visits. Their Plan G at $118/mo is also among the lowest in the state. Aetna carries an A AM Best rating and uses community pricing in Arkansas.
Medicare Supplement Prices in Arkansas
Sample monthly premiums from top carriers in Little Rock. All carriers use community pricing in Arkansas, so these rates apply at any age. Rates effective May 2026.
| Insurance Company | Plan G Monthly | Plan N Monthly | Plan F Monthly |
|---|---|---|---|
| Aetna | $118 | $111 | N/A |
| Wellcare | $168 | $133 | $207 |
| MedMutual Protect | $168 | $123 | $191 |
| State Farm | $174 | $130 | N/A |
| Mutual of Omaha | $174 | $136 | N/A |
| Humana | $177 | $136 | $210 |
| AARP / UnitedHealthcare | $185 | $145 | $220 |
| Arkansas Blue Cross (Medi-Pak) | $205 | $160 | $240 |
| QualChoice Life | $208 | N/A | N/A |
All carriers use community pricing in Arkansas: rates are the same regardless of age. Source: MoneyGeek, Arkansas Insurance Department, May 2026.
Plan G vs. Plan N in Arkansas
Plan G and Plan N are the two most popular Medicare Supplement plans for new enrollees in Arkansas. Here is how they compare.
| Coverage Feature | Plan G | Plan N |
|---|---|---|
| Part A hospital coinsurance | Covered | Covered |
| Part B coinsurance (20%) | Covered | Covered* |
| Part A deductible ($1,736) | Covered | Covered |
| Part B deductible ($283) | Not covered | Not covered |
| Part B excess charges | Covered | Not covered |
| Skilled nursing coinsurance | Covered | Covered |
| Foreign travel emergency | Covered | Covered |
| Office visit copay | $0 | Up to $20 |
| ER copay (no admission) | $0 | Up to $50 |
| Avg. monthly premium (Little Rock) | $168-$224 | $111-$175 |
*Plan N covers Part B coinsurance but may charge up to $20 for some office visits and up to $50 for ER visits that do not result in inpatient admission. Arkansas allows excess charges, so Plan N enrollees should confirm their doctors accept Medicare assignment.
In Arkansas, all carriers use community pricing, so your premium will not increase just because you get older. That shifts the decision entirely to financial strength and price. For the best combination of low premium and strong rating, MedMutual Protect at $168/mo with an A AM Best rating is the top pick. If you want the absolute lowest premium and are comfortable with a lower-rated carrier, Aetna Plan G at $118/mo is hard to beat. For the highest financial strength with a local agent network, State Farm at $174/mo and A++ rated is the right call. Avoid Wellcare despite their low price: their AM Best B rating is below what most advisors recommend for a plan you may hold for 20 or 30 years.
Arkansas Medigap Rules You Should Know
No Birthday Rule or Anniversary Rule in Arkansas
Arkansas does not have a birthday rule or anniversary rule. Outside of your 6-month Open Enrollment Period when you first turn 65 and enroll in Part B, carriers can use medical underwriting to deny coverage or charge higher premiums. Your initial enrollment decision is the most important one you will make.
Community Pricing Is Standard in Arkansas
All major Medigap carriers in Arkansas use community pricing, which means your premium is the same regardless of your age. A 65-year-old and an 85-year-old pay the same rate for the same plan from the same carrier. Premiums can still increase over time due to inflation and claims experience, but age alone does not drive increases.
Standard 6-Month Open Enrollment Period
Federal law gives you a 6-month Open Enrollment Period starting the month you turn 65 and enroll in Medicare Part B. During this window, no carrier can deny you coverage or charge higher premiums due to pre-existing conditions. This is your best opportunity to lock in coverage.
Under-65 Coverage Not Required
Arkansas does not require Medigap carriers to offer coverage to Medicare beneficiaries under age 65 (such as those with disabilities). If you are under 65 and on Medicare in Arkansas, you may have difficulty finding Medigap coverage. Some carriers offer it voluntarily at higher rates.
Excess Charges Are Allowed in Arkansas
Arkansas does not ban Medicare excess charges. Providers who do not accept Medicare assignment can charge up to 15% more than the Medicare-approved amount. Plan G covers excess charges; Plan N does not. Confirm your doctors accept Medicare assignment before choosing Plan N.
Arkansas Medi-Pak: Local Option from Arkansas Blue Cross
Arkansas Blue Cross and Blue Shield offers a Medicare Supplement product called Medi-Pak, which is one of the most recognized Medigap brands in the state. Medi-Pak Plan G runs around $205/mo in Little Rock, higher than the lowest-cost options, but comes with strong local provider relationships and customer service.
Free Help via Arkansas SHIP
The Arkansas Senior Health Insurance Information Program (SHIP) provides free, unbiased Medicare counseling. Call 1-800-224-6330 to speak with a trained counselor who can help you compare plans, understand your rights, and enroll. There is no cost and counselors do not sell insurance.
MedicareFAQ Scoring Methodology
The MedicareFAQ Score rates Medicare Supplement carriers on a scale of 1.0 to 5.0 based on five key factors. Our ratings are independent and not influenced by advertising relationships.
Financial Strength (AM Best)
Claims-paying ability and long-term stability
Customer Satisfaction
NAIC complaint ratios and member satisfaction surveys
Premium Competitiveness
Plan G and Plan N rates vs. Arkansas market average
Plan Availability
Number of plan types offered in Arkansas
Discounts and Value
Household discounts, HDG options, and added benefits
Last updated: May 2026 | Data sources: NAIC complaint ratios, AM Best ratings, CMS Medicare Plan Finder, Arkansas Insurance Department, MoneyGeek
Frequently Asked Questions
Find the Best Medigap Rate in Your Arkansas ZIP Code
All carriers in Arkansas use community pricing, so your age will never drive a premium increase. Plan G starts at $118/mo in Little Rock. Compare all available carriers before enrolling.