Employee Benefits

Arkansas State Employees

ARBenefits Plans

Premium Plan

Our Premium Plan is the highest level plan we offer that is an ideal option of those who visit the doctor and specialists regularly. This plan features:

  • Highest premium
  • Lowest deductible
  • Co-pays and coinsurance and
  • separate out of pocket limit for pharmacy coverage
  • Eligibility to contribute to an Flexible Spending Account (FSA)

Classic Plan

Our Classic Plan is a great mid-level plan option for you and your family. This plan features:

  • Coinsurance
  • Eligibility to contribute to an Health Savings Account (HSA)
  • Embedded Deductible (once a member of the family reaches the embedded amount of $2,800, co-insurance will kick in for that family member.)

Basic Plan

The Basic Plan is a great option for those who are looking for the most affordable option. This Plan features:

  • Lowest Premium
  • Highest deductible
  • Eligibility to contribute to an Health Savings Account (HSA)
  • No out of network coverage

The ARBenefits Summary Plan Description provides an very in depth look at at the rules and regulations of ARBenefits along with even more information on all our of plans and more specifics on coverage.

2022 Rates

Rates WITH the wellness discount (click on the image to view a PDF version of the rates.)
Rates WITHOUT the wellness discount (click on the image to view a PDF version of the rates.)
2021 Rates

Enrolling, Canceling and Making Changes to your ARBenefits Coverage

Enrolling as a new hire or during Open Enrollment

You can enroll in ARBenefits coverage within 60 days of your hire date or during Open Enrollment To enroll during either of these periods, you will need to log into your ARBenefits Member Portal. Check out our How to Enroll Online Guide to view more information on how to do this through your ARBenefits Member Portal.

Enrolling/canceling/making changes due to a qualifying event

You can enroll, cancel or make changes to your ARBenefits coverage within 60 days of a qualifying event (marriage, divorce, birth/adoption, gain/loss of other coverage.) To make changes or cancel coverage due to a qualifying event, you must submit an ARBenefits Change Form along with the supporting documentation below if applicable. To enroll for the first time due to a qualifying event, you must submit an ARBenefits Election Form along with the following documentation if applicable.

Documentation to add a dependent
  • Marriage License – to add a spouse or stepchild
  • ARBenefits Spousal Affidavit form – to add a spouse
  • Birth Certificate/adoption paperwork – to add a child
  • Proof of prior coverage (must include names and dates of coverage) – to add yourself , a spouse, or child due to loss of coverage
Documentation to drop a dependent
  • Divorce Decree – to drop a spouse due to divorce
  • Proof of other coverage (must include names and dates of coverage) – to drop coverage on yourself, a child or spouse due to a gain of other coverage

Additional Forms and Resources

Voluntary Products

Voluntary products are additional insurance plans offered by the State. This includes enrolling in a Health Savings Account (HSA), Flexible Spending Account (FSA), life insurance, dental and vision insurance

Health Savings Account (HSA)

An HSA allows you to use pre-tax funds to cover eligible expenses. These are offered through Optum Financial

Eligibility: Must be on the Basic Plan or Classic Plan
Contributions: Can be adjusted anytime
Account Access: Will still be available even after you leave
your employer
Enrollment: Do not need to re-enroll each year
Rollover of Funds: Funds will rollover

Flexible Spending Account (FSA)

An FSA allows you to use pre-tax funds to cover eligible expenses. Medical FSA can be used on eligible medical expenses. Dependent Care FSA (or DCAP) can be used on expenses relating to daycare and elder care. Limited Purpose FSA can be paired with a HSA to be used on dental and vision expenses.

  • Eligibility: Must be on the Premium Plan or No Health to enroll
  • Contributions: Can only be adjusted during Open Enrollment, new hire period or if you have a qualifying event.
  • Account Access: Will be lost after you leave your employer
  • Enrollment: Must re-enroll each year
  • Rollover of Funds: Funds over $550 do not rollover

Dental and Vision

Delta Dental and Humana Vision are both available to State employees through Arkansas State Employee Benefits Advisors (ARSEBA).

Dental Plan Comparison
Delta Dental Enrollment Form
Humana Vision Benefit Summary
Humana Vision Application

Life Insurance

Colonial Life’s group term life insurance can help provide
financial security for your family. See below for more information on options through Colonial Life.

Colonial Life Enrollment and Rates
Basic and Enhanced Basic Coverage Brochure
Supplemental Coverage Brochure
Colonial Life Change Form
Colonial Life Beneficiary Change Form
Colonial Life Evidence of Insurability

State Insurance Representatives Forms and Resources

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