Deductible (Aggregate)

  • The total family deductible must be paid out-of-pocket before health insurance starts paying for the health care services incurred by any family member.

Deductible (Embedded)

  • A single member of a family doesn't have to meet the full family deductible for after-deductible benefits to kick in.

​Health Insurance

We do not offer every plan available in your area.  Any information we provide is limited to those plans we do offer in your area.  Please contact or 1-800-MEDICARE to get information on all of your options.

60% of all bankruptcies are from medical bills. 77% had major medical insurance​​

Phone: 501-259-5535


 Health Insurance: is used to help people pay their medical bills.  Health insurance is divided into three areas.

1.  Major Medical:  Can be provided by an employer or privately purchased.  Major Medical insurance varies extensively in premiums, deductibles, co-pays, and co-insurance.

2.  Medicare:  A federally funded medical insurance program that provides assistance for people over age 65 or Disabled.  Medicare part A and B together are designed to pay 80% of a beneficiaries medical costs.  There are various products available to assist Medicare beneficiaries in controlling their costs. 

Medicare is broken down into four parts:

  • Part A; Hospital Coverage
  • Part B; Out patient Coverage
  • Part C; Medicare Advantage or Private Medicare plans
  • Part D; Prescription drug coverage

3.  Supplemental:   A type of medical insurance used to meet needs. Not covered by Major Medical or Medicare. 

  • Can cover a narrow or broad spectrum
  • Can be fixed benefits or percentage based
  • ex. Medicare Supplement, Dental, Vision, Cancer, Accident, Critical illness, Short/Long Term Disability etc...


Fax: 501-377-9880

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$39.4 million, number of visits to hospital emergency departments due to injuries in 2007

​​$9,788 is the average hospital expense, adjusted per inpatient stay.

Terms to know:


  • Percentage of the medical cost you pay after deductible is paid 
  • Expressed as percentage rather than fixed dollar amount (80/20, 70/30 or other combinations).  First number is the amount the insurance company pays.

 Co-Insurance Maximum

  • Maximum amount of Co-insurance that will be paid after Deductible


  • Cost for routine services to which deductible does not apply 
  • Payment is same regardless of extent of visit or cost.


  • How much you pay before insurance starts paying 
  • Does not apply to all service. of deductible

Fixed Benefit Plans 

  • Pay a fixed amount of money for a specified event regardless of actual costs 
  • Non Qualified plan

Lifetime Maximum

  • Total amount that a policy will pay
  • Not allowed on Qualifying plans

Monthly premiums 

  • Premium is your monthly payment for the insurance
  • Employer plans can be deducted from each paycheck 

Non-Qualified Plan

  • Must answer Health questions
  • Dollar Cap on medical coverage
  • Not eligible for Tax Credits
  • Does not cover minimum essential benefits
  • ex.  Short-term plans, Fixed benefit plan

Out-of-pocket maximum

  • Absolute maximum of out of pocket expenses
  • Normally per calendar year
  • Includes deductible 
  • Applies to individual and family

Qualified Plan

  • No Health questions (Guaranteed acceptance)
  • No Cap
  • Eligible for Tax Credits
  • Covers the required minimum essential benefits 

Short Term Plan

  • Medical plan of less than 364 days
  • Non-Qualified plan