Reviewing The Best Medicare Plans and Medicare Insurance

Arkansas Community Care Plus and Dual Plus Review

Arkansas Community Care Plus and Arkansas Community Care Dual Plus are two Medicare Advantage HMO plans offered by Arcadian Health Plan.  Arcadian Health Plan provides Medicare health and prescription drug coverage in Arkansas and several counties in Texas.  Arcadian Health Plan has recently become part of Humana.  That may or may not be a good thing depending on how Humana changes the plan coverage.  Let’s take a look at how these two plans cover you.

Arkansas Community Care Plus (HMO)

  • Premium – $20/monthly
  • Maximum Out of Pocket – $6,700
  • Referral required for specialists
  • Hospital copay – $250/day Days 1-7
  • Doctors visits – $0 = Primary; $30 = Specialists
  • Outpatient Surgery – $350
  • Labs – $0
  • Diagnostic Procedures and Tests – $0
  • X-rays – 20%
  • Part D Deductible – $0
  • Part D Drugs – Tier 1 = $4; Tier 2 = $15; Tier 3 = $45; Tier 4 = $89; Tier 5 = 33%
  • Dental cleanings and x-rays covered
  • Routine hearing exam = $25; hearing covered up to $700
  • Eye exam and glasses covered up to $150

Arkansas Community Care Dual Plus (HMO-SNP)

  • Must have both Medicare and Medicaid
  • Premium – $0/monthly
  • Maximum Out of Pocket – $3,400
  • Referral required for specialists
  • All services offered at $0 copay depending on level of Medicaid assistance
  • Drugs will be $0 – $6.50 based on level of LIS
  • Dental cleanings and x-rays covered up to $1,000 for comprehensive dental benefits
  • Routine hearing exam = $10; hearing covered up to $1,200
  • Eye exam and glasses covered up to $150

In Texas the plan is called The Texarkana Community Care Plus plan and differs slightly in copays.  The above summary is for Arkansas only.  Remember that these plans are HMO’s and will require referrals, and use of network providers.  No out of network providers are covered.  You can verify if your provider is in network by visiting the plan’s website.  You can also compare plans by visiting medicare.gov.

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