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What is ARHealthNet? ARHealthNet is a new insurance program designed to help qualified small businesses, with low income workers, provide an affordable package of health care benefits to their employees. ARHealthNet is available to businesses with 2 to 500 employees who have not offered a group health plan in the past 12 months or longer. The plan is only available to working Arkansans through qualified employers and is not available as an individual plan. Over 378,000 Arkansans between the ages of 19 and 64 do not have health insurance. One of the primary reasons employers are not offering coverage is high premium costs. ARHealthNet is a unique partnership between state and federal government, employers and families, designed to provide needed health coverage for low income employees at an affordable price. The concept for ARHealthNet was developed by the Arkansas Health Insurance Expansion Initiative Roundtable and the Arkansas Center for Health Improvement (ACHI), in partnership with the Arkansas Department of Health and Human Services. For more information on the history and development of ARHealthNet, visit www.achi.net. Susan Kates with Hood & Company is an appointed broker for this terrific, limited-benefit health program specially designed for small businesses. Call her at 501-622-3131 for more details, to ask questions, or to enroll your company now. What does ARHealthNet cover? ARHealthNet provides coverage for those services you need and use the most. Unlike traditional insurance coverage, ARHealthNet includes a limited package of benefits, including: Every 12 months ARHealthNet will cover the following: * 7 Inpatient Days Per Year * 2 Major Outpatient Services Per Year, including emergency room and major services performed in the office. * 6 Physician Office Visits Per Year * Two Prescriptions Per Month * Maximum Annual Benefit of $100,000 * Renewable each 12 months Deductible and Co-Insurance for ARHealthNet * $100 annual deductible (does not apply to office visits & Rx) * After deductible, 15% co-insurance will be required * $1,000 maximum out of pocket annually, including deductible * NovaSys Health providers must be used for benefits to be paid (including ER) * Ongoing discounts apply after benefits are exhausted Pharmacy Benefits for ARHealthNet * Two Monthly Prescriptions * Subject to Co-pay (but not deductible) * $5 Generic * $15 Brand Formulary * $30 Brand Non Formulary * Program administered by Express Scripts * Wide choice of pharmacies (no mail order) Additional Features for ARHealthNet * No medical underwriting * No one can be turned down for coverage for existing medical issues * No waiting period for initial enrollment * Benefits begin immediately |