Private Insurance Plans

Private Insurance Plans

Arkansas Works is a Medicaid program that offers eligible Arkansans health insurance coverage. The insurance is offered through qualified health plans from three companies:

Who can get Arkansas Works insurance through the Medicaid program?

Arkansans ages 19-64 who have a household income of up to 138 percent of Federal Poverty Level (FPL) for their household size may be eligible for Arkansas Works.

​The FPL amount is set by the federal government. Find the size of your household, then look to the dollar amount to see the limit on income. For households larger than 8 people, the income amount increases. You can contact your local county office for more information.

Federal Poverty Level Chart

Chart listing the Federal Poverty Levels

​Arkansas Works is public health coverage. That means the state and federal government pay for your health insurance from one of three insurance companies that offer qualified health plans. If you have a job that offers you a way to get health insurance, that is known as Employer Sponsored Health Insurance, and it is a private insurance system.

What does Arkansas Works insurance cover?

Arkansas Works coverage offers a range of services under your insurance to keep you healthy. Each Arkansas Works insurance plan may have some differences but most cover services that include:

  • Emergency services
  • Outpatient services
  • Preventive services and wellness checkups
  • Maternity (pregnancy) and newborn care
  • Mental health and substance abuse services
  • Laboratory services
  • Prescription drugs
  • Therapy services (like physical therapy)
  • Hospital stays

Will I have any costs for my Arkansas Works insurance?

Maybe. Eligibility for Arkansas Works is based on your income, and the costs you pay as part of having that insurance is also based on how much you make. If your income is 100 percent of FPL or lower, then you will not have costs that you have to pay for your insurance.

​If your income is between 100 percent and 138 percent of FPL, then you will have to pay a monthly cost, called a premium, for the insurance. The premium amount for all Arkansas Works enrollees who have a premium is $13 per month.​

Federal Poverty Level Chart

Chart listing the Federal Poverty Levels

​Your insurance company will bill you each month for the premium. If you do not pay your monthly premium, the Arkansas Department of Human Services (DHS) will let the state Department of Finance & Administration (DFA) know that you did not pay. If you were eligible for an income tax refund, the amount you owe can be held out of your refund. If the amount you owe is more than the amount of your refund, you will not receive a state income tax refund, because all of the refund would go to pay those costs. 

​You also may be required to pay a co-pay, a payment at the doctor’s office when you have your visit. Under the Arkansas Works program the most you can be asked to pay in co-pays is $60 each quarter (three months).

Where can I learn more about the plans?

​Check with your insurance company for more information about your plan and what the companies offer under Arkansas Works. The three insurance company websites and helplines are listed below:

DMS Address

P.O. Box 1437, Slot S401
Little Rock, AR 72203-1437

DMS Phone Number

Fax: 501-682-1197

Learn About Programs

Apply For Services

Find Service Providers

Do Business With DHS

Become A Provider

Report A Concern

Copyright 2021 © All Rights Reserved.