Best Health Insurance Agencies in Fort Smith, AR

Fort Smith, AR Health Insurance FAQs

• If a parent in Fort Smith only has insurance for themselves, can they buy child standalone policies in the My Arkansas MarketPlace?

  Yes, federal law requires health plans sold on the My Arkansas MarketPlace to also have equivalent child standalone policies with the same level of coverage. Through the marketplace, parents in Fort Smith can apply for tax credits when buying plans for their children. Those with low income may be qualified to obtain coverage through Arkansas Children’s Health Insurance Program or ARKids First.

• If you have Supplemental Security Income in Fort Smith can you get Medicaid as well?

  Yes, you will also get Medicaid if you are getting Supplemental Security Income in Fort Smith. However, if you no longer have SSI benefits, you can also lose Medicaid coverage. For more information on SSI, call the Social Security Administration at 1-800-772-1213. In general, SSI benefits are for persons more than 65 years old and those who are disabled. These same groups of persons are covered by Medicaid as well.

• Are limited-duration health plans in Fort Smith compliant with the Affordable Care Act?

  Not really. Many benefits provided by the Affordable Care Act are not included in limited-duration health plans in Fort Smith and throughout the state. Some of these benefits include coverage for pre-existing conditions, maternity care, and various medications. In contrast to ACA-compliant plans, limited-duration plans can be bought at any time of the year and do not include eligibility for government subsidies.

• Will health plans in Fort Smith pay for expenses from car accident injuries?

  There are some health plans that require reimbursement of expenses from car accident injuries after the at-fault driver's insurance pays while others only take effect as secondary coverage to car insurance. This means that car insurance is the first payment source, and health insurance provides coverage for the remainder of the care needed. Depending on the health plan in Fort Smith, there may be coverage limitations, such as getting services from out-of-network or in-network medical providers.

• Are alternative therapies in Fort Smith covered by health insurance?

  There are some insurance companies that cover popular alternative therapies such as naturopathy and homeopathy. Insurers do not usually pay for alternative therapies that are not considered safe, necessary, or effective for a certain condition. It is important for plan holders in Fort Smith to check this out with their insurer. Many alternative therapy providers do not accept insurance as payment.