Arkansas health plan · 2025

Everyday Silver (QualChoiceLife) · 37903AR0070001

QualChoice Life and Health Insurance Company, Inc. offers this marketplace health insurance plan (Plan ID 37903AR0070001) so you can compare premiums, coverage levels, and provider access against other health plan insurance options. Use the modules below to decide whether this is the best health insurance plan for your household or if another insurance health plan fits better.

Metal level: Silver Plan type: PPO CSR: 73% AV Level Silver Plan Issuer: QualChoice Life and Health Insurance Company, Inc.
Telehealth Data pending HSA eligible No Dental Not listed Vision Child
Pay / Manage Plan View issuer site

Issuer actuarial value: 73.72%. Expect to pay roughly 26.28% of covered costs out of pocket, based on issuer reporting.

2025 cost summary

Key premiums & cost sharing

Rates mirror the latest CMS import (Tue, 02 Dec 2025 06:13 GMT). Personalize costs with your ZIP, age, and subsidies in the plan finder.

Monthly premium

$276 – $1084

Before subsidies

Estimate after subsidies

Deductible

$4,000

$8000 per group

See deductible details

Max out-of-pocket

$7,100

$14200 per group

Review MOOP rules

Office visits

Primary care $25.00
Specialist $50.00
HSA Not eligible

Drug tiers

Generic $3.00
Preferred brand $45.00

View formulary tiers

$379 / mo before subsidies

≈ $4545 per year before tax credits.

Start with this unsubsidized premium, then apply marketplace tax credits to see your final monthly payment.

  • Ideal for shoppers comparing Bronze vs. Silver budgets.
  • Update your Marketplace application to apply premium tax credits.

$1200 / mo before subsidies

≈ $14403 per year before tax credits.

Pre-subsidy rate for a couple with one dependent. Switch to Silver CSR plans if you qualify to reduce these numbers.

  • Compares well against PPO vs HMO networks when planning for childcare and telehealth needs.
  • This Silver tier qualifies for CSR if household income is ≤250% FPL.

$1454 / mo before subsidies

≈ $17443 per year before tax credits.

Pairs with cost-sharing reductions (CSR) when you select a Silver tier and qualify based on income.

  • Use this estimate before adding childcare, dental, or vision extras.
  • CSR Silver variants can lower deductibles dramatically for eligible incomes.
  • This Silver tier qualifies for CSR if household income is ≤250% FPL.

$924 / mo before subsidies

≈ $11085 per year before tax credits.

Shows the combined pre-subsidy rate for two adults. Add dependents or subsidies in your application to refine it.

  • Great for households deciding between PPO and HMO networks.
  • Telehealth and HSA perks (when offered) apply to both members.
Issuer profile See benefits

Preventive Care/Screening/Immunization

No Charge

Emergency Room Services

40.00% Coinsurance after deductible

Durable Medical Equipment

40.00% Coinsurance after deductible

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Enrollment guidance

Stay on top of 2025 ACA deadlines

Open Enrollment window

Marketplace enrollment for 2025 coverage typically runs Nov 1 – Jan 15 (dates may vary slightly in Arkansas). Submit changes before the deadline to avoid a coverage gap.

  • Enroll by Dec 15 for Jan 1 starts.
  • Finalize plan switches before the window closes.

Special Enrollment Periods

You can change plans mid-year if you experience a qualifying life event (move, childbirth, marriage, loss of other coverage).

  • Report the event within 60 days.
  • Keep documentation handy for Healthcare.gov or your state exchange.

CSR & subsidy reminders

Premium tax credits and cost-sharing reductions (CSR) update annually when you re-submit your marketplace application.

  • Enter accurate income to maximize Advanced Premium Tax Credits.
  • 73% AV Level Silver Plan plans like this one keep deductibles and copays lower if you qualify.

Thinking about switching?

Before you leave your current plan, compare networks, drug coverage, and total cost using the cards on this page.

  • Match provider networks so ongoing care isn’t disrupted.
  • Confirm prescriptions stay on-formulary or budget for tier changes.

Top covered benefits

How this plan handles key care scenarios

Preventive Care/Screening/Immunization

No Charge

Emergency Room Services

40.00% Coinsurance after deductible

Durable Medical Equipment

40.00% Coinsurance after deductible

Premium snapshot

Plan identifiers & filings

Track the official identifiers, documents, and filing dates tied to this plan. Open the marketing or formulary links whenever you need the latest PDF from the issuer.

Plan ID 37903AR0070001
Coverage year 2025
State Arkansas
Issuer QualChoice Life and Health Insurance Company, Inc.
Formulary document Download formulary
Marketing materials View marketing kit
Variant ID 37903AR0070001-04
Available variants

Standard Off Exchange Plan · 37903AR0070001-00

Standard On Exchange Plan · 37903AR0070001-01

Open to Indians below 300% FPL · 37903AR0070001-02

Open to Indians above 300% FPL · 37903AR0070001-03

73% AV Silver Plan · 37903AR0070001-04

87% AV Silver Plan · 37903AR0070001-05

94% AV Silver Plan · 37903AR0070001-06
Last plan update Mon, 12 Aug 2024 00:00 GMT
Last HealthPorta import Tue, 02 Dec 2025 06:13 GMT

Network stats

Provider access snapshot

Review the network branding plus the number of in-network clinicians we track from issuer filings. Counts update with each CMS import (Tue, 02 Dec 2025 06:13 GMT).

All providers in Arkansas 128
PCPs in Arkansas 20
Telehealth support Data pending
Nationwide providers 1432
128 doctors statewide 20 PCPs

Provider network(s)

Providers Arkansas All US states
All 128 1432
PCP 20 215
Allergy N/A 2
OB/GYN N/A 5
Dentists 3 59

Drug coverage overview

4,670 drugs tracked

Inspect tier distribution plus authorization, step therapy, and quantity-limit counts sourced from HealthPorta’s formulary import.

Tier Covered drugs
GENERIC 2,650
NON-PREFERREDGENERIC-NON-PREFERREDBRAND 2,020
Prior authorization Drugs
Required 1,230
Not Required 3,440
Step therapy Drugs
Required 77
Not Required 4,593
Quantity limits Drugs
Has Limit 2,159
No Limit 2,511

Customer highlights

What stands out for members

  • Issuer: QualChoice Life and Health Insurance Company, Inc. · Plan ID 37903AR0070001 · 2025 filing.
  • Disease management programs available: Asthma, Diabetes, Heart Disease, Pregnancy.
  • Download the latest formulary directly from the issuer here.
  • Review marketing brochures and SBC PDFs via the issuer marketing repository.
  • Variant 37903AR0070001-04 (73% AV Silver Plan) currently displayed.
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Benefits

Covered services & limitations

Everyday care

Office visits, preventive care, labs, imaging, and home health.

Chiropractic Care

$50.00
Tier 1 in-network $50.00
Out-of-network 60.00% Coinsurance after deductible

Limit: 30.0 Visit(s) per Year

Limited to a combined 30 visit limit per year for outpatient physical therapy, speech therapy, occupational therapy, and chiropractic care. Note: Limits do not apply when provided for a mental health/substance use disorder diagnosis.

Exclusions: nan

Diabetes Care Management

$50.00
Tier 1 in-network $50.00
Out-of-network 60.00% Coinsurance after deductible

nan

Exclusions: nan

Diabetes Education

$50.00
Tier 1 in-network $50.00
Out-of-network 60.00% Coinsurance after deductible

Prior authorization may be required - please contact the number listed on your ID card.

Exclusions: nan

Home Health Care Services

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Limit: 50.0 Visit(s) per Year

Prior authorization may be required - please contact the number listed on your ID card.

Exclusions: nan

Laboratory Outpatient and Professional Services

$25.00
Tier 1 in-network $25.00
Out-of-network 60.00% Coinsurance after deductible

Prior authorization may be required - please contact the number listed on your ID card.

Exclusions: nan

Mental/Behavioral Health Urgent Care

$25.00
Tier 1 in-network $25.00
Out-of-network 60.00% Coinsurance after deductible

nan

Exclusions: nan

Other Practitioner Office Visit (Nurse, Physician Assistant)

$25.00
Tier 1 in-network $25.00
Out-of-network 60.00% Coinsurance after deductible

nan

Exclusions: nan

Preventive Care/Screening/Immunization

No Charge
Tier 1 in-network No Charge
Out-of-network 60.00%

Covered in accordance with ACA guidelines.

Exclusions: nan

Primary Care Visit to Treat an Injury or Illness

$25.00
Tier 1 in-network $25.00
Out-of-network 60.00% Coinsurance after deductible

nan

Exclusions: nan

Rehabilitative Occupational and Rehabilitative Physical Therapy

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Limit: 30.0 Visit(s) per Year

60 inpatient days/year. Prior authorization may be required - please contact the number listed on your ID card. Limited to a combined 30 visit limit per year for outpatient physical therapy, speech therapy, occupational therapy, and chiropractic care. Note: Limits do not apply when provided for a mental health/substance use disorder diagnosis.

Exclusions: nan

Rehabilitative Speech Therapy

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Limit: 30.0 Visit(s) per Year

Prior authorization may be required - please contact the number listed on your ID card. Limited to a combined 30 visit limit per year for outpatient physical therapy, speech therapy, occupational therapy, and chiropractic care. Note: Limits do not apply when provided for a mental health/substance use disorder diagnosis.

Exclusions: nan

Specialist Visit

$50.00
Tier 1 in-network $50.00
Out-of-network 60.00% Coinsurance after deductible

nan

Exclusions: nan

Substance Use Disorder Urgent Care

$25.00
Tier 1 in-network $25.00
Out-of-network 60.00% Coinsurance after deductible

nan

Exclusions: nan

Urgent Care Centers or Facilities

$55.00
Tier 1 in-network $55.00
Out-of-network 60.00% Coinsurance after deductible

nan

Exclusions: nan

X-rays and Diagnostic Imaging

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Prior authorization may be required - please contact the number listed on your ID card.

Exclusions: nan

Hospital & urgent

Emergency room, inpatient stays, ambulance, and surgeries.

Chemotherapy

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Prior authorization may be required - please contact the number listed on your ID card.

Exclusions: nan

Delivery and All Inpatient Services for Maternity Care

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Prior authorization may be required - please contact the number listed on your ID card.

Exclusions: nan

Dialysis

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Prior authorization may be required - please contact the number listed on your ID card.

Exclusions: nan

Durable Medical Equipment

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Prior authorization may be required - please contact the number listed on your ID card.

Exclusions: nan

Emergency Room Services

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 40.00% Coinsurance after deductible

nan

Exclusions: nan

Emergency Transportation/Ambulance

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 40.00% Coinsurance after deductible

Prior authorization is not required for emergency transport, however, all non-emergent transport requires prior authorization.

Exclusions: nan

Hospice Services

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Prior authorization may be required - please contact the number listed on your ID card.

Exclusions: nan

Inpatient Hospital Services (e.g., Hospital Stay)

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Prior authorization may be required - please contact the number listed on your ID card.

Exclusions: nan

Inpatient Physician and Surgical Services

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Prior authorization may be required - please contact the number listed on your ID card.

Exclusions: nan

Mental/Behavioral Health Emergency Room

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 40.00% Coinsurance after deductible

nan

Exclusions: nan

Mental/Behavioral Health Emergency Transportation/Ambulance

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 40.00% Coinsurance after deductible

Prior authorization is not required for emergency transport, however, all non-emergent transport requires prior authorization.

Exclusions: nan

Mental/Behavioral Health Inpatient Services

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Prior authorization may be required - please contact the number listed on your ID card.

Exclusions: nan

Mental/Behavioral Health Outpatient Other Services

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Prior authorization may be required - please contact the number listed on your ID card. Note: Cost share will be waived for Behavioral Health screening services.

Exclusions: nan

Mental/Behavioral Health Outpatient Services

$25.00
Tier 1 in-network $25.00
Out-of-network 60.00% Coinsurance after deductible

Cost sharing shown applies to outpatient office visits only. See Summary of Benefits and Coverage and the policy for more information on an additional outpatient category, Other Outpatient Services, which may apply a different cost share amount and require prior authorization. Note: Office visits do not require prior authorization. Cost share will be waived for Behavioral Health screening services.

Exclusions: nan

Outpatient Facility Fee (e.g., Ambulatory Surgery Center)

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Prior authorization may be required - please contact the number listed on your ID card.

Exclusions: nan

Outpatient Rehabilitation Services

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Limit: 30.0 Visit(s) per Year

Prior authorization may be required - please contact the number listed on your ID card. Limited to a combined 30 visit limit per year for outpatient physical therapy, speech therapy, occupational therapy, and chiropractic care. Note: Limits do not apply when provided for a mental health/substance use disorder diagnosis.

Exclusions: nan

Outpatient Surgery Physician/Surgical Services

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Prior authorization may be required - please contact the number listed on your ID card.

Exclusions: nan

Radiation

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Prior authorization may be required - please contact the number listed on your ID card.

Exclusions: nan

Skilled Nursing Facility

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Limit: 60.0 Days per Year

Prior authorization may be required - please contact the number listed on your ID card.

Exclusions: nan

Substance Abuse Disorder Inpatient Services

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Prior authorization may be required - please contact the number listed on your ID card.

Exclusions: nan

Substance Abuse Disorder Outpatient Services

$25.00
Tier 1 in-network $25.00
Out-of-network 60.00% Coinsurance after deductible

Cost sharing shown applies to outpatient office visits only. See Summary of Benefits and Coverage and the policy for more information on an additional outpatient category, Other Outpatient Services, which may apply a different cost share amount and require prior authorization. Note: Office visits do not require prior authorization. Cost share will be waived for Behavioral Health screening services.

Exclusions: nan

Substance Use Disorder Emergency Room

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 40.00% Coinsurance after deductible

nan

Exclusions: nan

Substance Use Disorder Emergency Transportation/Ambulance

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 40.00% Coinsurance after deductible

Prior authorization is not required for emergency transport, however, all non-emergent transport requires prior authorization.

Exclusions: nan

Substance Use Disorder Outpatient Other Services

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Prior authorization may be required - please contact the number listed on your ID card. Note: Cost share will be waived for Behavioral Health screening services.

Exclusions: nan

Transplant

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Prior authorization may be required - please contact the number listed on your ID card.

Exclusions: nan

Mental health & substance use

Behavioral health visits and substance use treatment.

Mental/Behavioral Health ER Physician Fee

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 40.00% Coinsurance after deductible

nan

Exclusions: nan

Substance Use Disorder ER Physician Fee

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 40.00% Coinsurance after deductible

nan

Exclusions: nan

Pregnancy & family

Maternity, newborn, pediatric dental and vision extras.

Basic Dental Care - Child

Coverage details pending

nan

Exclusions: nan

Hearing Aids

40.00%
Tier 1 in-network 40.00%
Out-of-network 60.00%

Limit: 2.0 Item(s) per 3 Years

Prior authorization may be required - please contact the number listed on your ID card.

Exclusions: nan

Major Dental Care - Child

Coverage details pending

nan

Exclusions: nan

Prenatal and Postnatal Care

$25.00
Tier 1 in-network $25.00
Out-of-network 60.00% Coinsurance after deductible

nan

Exclusions: nan

Routine Eye Exam for Children

No Charge
Tier 1 in-network No Charge
Out-of-network No Charge

Limit: 1.0 Exam(s) per Year

Up to $38.50 OON

Exclusions: nan

Well Baby Visits and Care

No Charge
Tier 1 in-network No Charge
Out-of-network 60.00%

nan

Exclusions: nan

Pharmacy & drugs

Generic, brand, specialty, and mail order tiers.

Generic Drugs

$3.00
Tier 1 in-network $3.00
Out-of-network 100.00%

Cost sharing shown applies to Tier 1a-Preferred Generic Drugs only. See Summary of Benefits and the policy or service agreement for more information on an additional category, Tier 1b-Generic Drugs, which may apply a higher cost share. Up to a 30 day supply at any participating pharmacy or up to a 90 day supply at a 90 day retail pharmacy. Refer to the prescription drug list for more information.

Exclusions: nan

Non-Preferred Brand Drugs

45.00% Coinsurance after deductible
Tier 1 in-network 45.00% Coinsurance after deductible
Out-of-network 100.00%

nan

Exclusions: nan

Off Label Prescription Drugs

50.00% Coinsurance after deductible
Tier 1 in-network 50.00% Coinsurance after deductible
Out-of-network 100.00%

nan

Exclusions: nan

Preferred Brand Drugs

$45.00
Tier 1 in-network $45.00
Out-of-network 100.00%

nan

Exclusions: nan

Preventative Drugs

No Charge
Tier 1 in-network No Charge
Out-of-network 100.00%

nan

Exclusions: nan

Specialty Drugs

50.00% Coinsurance after deductible
Tier 1 in-network 50.00% Coinsurance after deductible
Out-of-network 100.00%

nan

Exclusions: nan

Tier 1b Generic Drugs

$15.00
Tier 1 in-network $15.00
Out-of-network 100.00%

Up to a 30-day supply at any Participating Pharmacy or up to a 90-day supply at a Designated 90 day Retail Pharmacy. Refer to the prescription drug list for more information.

Exclusions: nan

Wellness & extras

Vision, dental, therapies, prosthetics, weight management.

Accidental Dental

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Prior authorization may be required - please contact the number listed on your ID card.

Exclusions: nan

Basic Dental Care - Adult

Coverage details pending

nan

Exclusions: nan

Dental Anesthesia

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

nan

Exclusions: nan

Dental Check-Up for Children

Coverage details pending

nan

Exclusions: nan

Infusion Therapy

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Prior authorization may be required - please contact the number listed on your ID card.

Exclusions: nan

Major Dental Care - Adult

Coverage details pending

nan

Exclusions: nan

Nutritional Counseling

$50.00
Tier 1 in-network $50.00
Out-of-network 60.00% Coinsurance after deductible

nan

Exclusions: nan

Orthodontia - Adult

Coverage details pending

nan

Exclusions: nan

Orthodontia - Child

Coverage details pending

nan

Exclusions: nan

Prosthetic Devices

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Prior authorization may be required - please contact the number listed on your ID card.

Exclusions: nan

Routine Dental Services (Adult)

Coverage details pending

nan

Exclusions: nan

Weight Loss Programs

Coverage details pending

nan

Exclusions: nan

Additional benefits

Other plan-specific services and limitations.

Abortion for Which Public Funding is Prohibited

Coverage details pending

nan

Exclusions: nan

Acupuncture

Coverage details pending

nan

Exclusions: nan

Allergy Testing

$50.00
Tier 1 in-network $50.00
Out-of-network 60.00% Coinsurance after deductible

Prior authorization may be required - please contact the number listed on your ID card.

Exclusions: nan

Applied Behavior Analysis Based Therapies

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

nan

Exclusions: nan

Bariatric Surgery

Coverage details pending

nan

Exclusions: nan

Cardiac Rehabilitation

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Limit: 36.0 Visit(s) per Year

nan

Exclusions: nan

Cochlear Implants

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

nan

Exclusions: nan

Cosmetic Surgery

Coverage details pending

nan

Exclusions: nan

Craniofacial Surgery

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

nan

Exclusions: nan

Eye Glasses for Children

No Charge
Tier 1 in-network No Charge
Out-of-network No Charge

Limit: 1.0 Item(s) per Year

OON: Up to $50 for frames, $37.50 for lenses and $91 for contacts in lieu of eyeglasses. See EOC for lens limits.

Exclusions: nan

Gastric Electrical Stimulation

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

nan

Exclusions: nan

Gender Affirming Care

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

nan

Exclusions: nan

Habilitation Services

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Limit: 30.0 Visit(s) per Year

Prior authorization may be required - please contact the number listed on your ID card. Limited to a combined 30 visit limit per year for outpatient habilitation services; limited to 180 visits per year for developmental services.

Exclusions: nan

Imaging (CT/PET Scans, MRIs)

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Prior authorization may be required - please contact the number listed on your ID card.

Exclusions: nan

Infertility Treatment

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Prior authorization may be required. Coverage includes testing to diagnose infertility, infertility counseling and planning services; also, in vitro fertilization procedures are covered.

Exclusions: nan

Inherited Metabolic Disorder - PKU

$25.00
Tier 1 in-network $25.00
Out-of-network 60.00% Coinsurance after deductible

nan

Exclusions: nan

Long-Term/Custodial Nursing Home Care

Coverage details pending

Long Term Acute Care is a covered benefit. Long Term Nursing Care/Custodial Care is not a covered benefit.

Exclusions: nan

Private-Duty Nursing

Coverage details pending

nan

Exclusions: nan

Reconstructive Surgery

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

1. Treatment provided for the correction of defects incurred in an Accidental Injury sustained by the Member; 2. Surgery performed on a child for the correction of a cleft palate or cleft lip, removal of a port-wine stain or hemangioma (only on the face), or correction of a congenital abnormality; 3. Treatment provided when it is incidental to disease or for reconstructive surgery following neoplastic (cancer) surgery; 4. In connection with a mastectomy resulting from cancer surgery, services for (a) reconstruction of the breast on which the cancer-related surgery was performed; (b) surgery to reconstruct the other breast to produce a symmetrical appearance; and (c) prostheses and services to correct physical complications for all stages of the mastectomy, including lymphedemas; 5. Reduction mammoplasty, if such reduction mammoplasty meets Coverage Criteria. Prior Authorization may be required - please contact the number listed on your ID card.

Exclusions: nan

Routine Eye Exam (Adult)

Coverage details pending

nan

Exclusions: nan

Routine Foot Care

$50.00
Tier 1 in-network $50.00
Out-of-network 60.00% Coinsurance after deductible

nan

Exclusions: nan

Treatment for Temporomandibular Joint Disorders

40.00% Coinsurance after deductible
Tier 1 in-network 40.00% Coinsurance after deductible
Out-of-network 60.00% Coinsurance after deductible

Prior authorization may be required - please contact the number listed on your ID card.

Exclusions: nan

Well Child Care

No Charge
Tier 1 in-network No Charge
Out-of-network 60.00%

nan

Exclusions: nan

Variant attributes

Everyday Silver (QualChoiceLife) · Variant 37903AR0070001-04

Plan identifiers & tier

Issuer-provided metadata for this variant.

Business Year

2025

CSR Variation Type

73% AV Level Silver Plan

HIOS Product ID

37903AR007

Metal Level

Silver

Plan ID (Standard Component ID with Variant)

37903AR0070001-04

Plan Marketing Name

Everyday Silver (QualChoiceLife)

Plan Variant Marketing Name

Everyday Silver (QualChoiceLife)

Issuer & service area

Issuer-provided metadata for this variant.

Issuer Actuarial Value

73.72%

Issuer ID

37903

Issuer Marketplace Marketing Name

Ambetter from Arkansas Health & Wellness

Market Coverage

Individual

Multiple In Network Tiers

No

National Network

No

Network ID

ARN001

Out of Country Coverage

No

Out of Service Area Coverage

No

Service Area ID

ARS001

State Code

AR

URL for Summary of Benefits & Coverage

Open link

Cost sharing & actuarial values

Issuer-provided metadata for this variant.

Begin Primary Care Deductible Coinsurance After Number Of Copays

0

Inpatient Copayment Maximum Days

0

Medical Drug Deductibles Integrated

Yes

Medical Drug Maximum Out of Pocket Integrated

Yes

SBC Scenario, Having a Baby, Coinsurance

$1,900

SBC Scenario, Having a Baby, Copayment

$400

SBC Scenario, Having a Baby, Deductible

$4,000

SBC Scenario, Having Diabetes, Coinsurance

$0

SBC Scenario, Having Diabetes, Copayment

$1,100

SBC Scenario, Having Diabetes, Deductible

$800

SBC Scenario, Treatment of a Simple Fracture, Coinsurance

$0

SBC Scenario, Treatment of a Simple Fracture, Copayment

$200

SBC Scenario, Treatment of a Simple Fracture, Deductible

$2,500

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Family Per Group

$37200 per group

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Family Per Person

$18600 per person

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Combined In/Out Network, Individual

$18,600

Combined Medical and Drug EHB Deductible, In Network (Tier 1), Default Coinsurance

40.00%

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Group

$14200 per group

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Family Per Person

$7100 per person

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), In Network (Tier 1), Individual

$7,100

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Family Per Group

$23000 per group

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Family Per Person

$11500 per person

Maximum Out of Pocket for Medical and Drug EHB Benefits (Total), Out of Network, Individual

$11,500

Enrollment & documents

Issuer-provided metadata for this variant.

Formulary ID

ARF001

Formulary URL

Open link

Plan Brochure

Open link

SBC Scenario, Having a Baby, Limit

$60

SBC Scenario, Having Diabetes, Limit

$20

SBC Scenario, Treatment of a Simple Fracture, Limit

$0

URL for Enrollment Payment

Open link

Additional attributes

Issuer-provided metadata for this variant.

Begin Primary Care Cost-Sharing After Number Of Visits

0

Child-Only Offering

Allows Adult and Child-Only

Composite Rating Offered

No

Dental Only Plan

No

Design Type

Not Applicable

Disease Management Programs Offered

Asthma, Diabetes, Heart Disease, Pregnancy

EHB Percent of Total Premium

0.9999376

First Tier Utilization

100%

Import Date

2024-08-12 20:01:40

Limited Cost Sharing Plan Variation - Estimated Advanced Payment

$0.00

HSA Eligible

No

New/Existing Plan

New

Notice Required for Pregnancy

Yes

Is a Referral Required for Specialist?

No

Plan Effective Date

2025-01-01

Plan Type

PPO

QHP/Non QHP

Both

Source Name

SERFF

Plan ID

37903AR0070001

Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Family Per Group

$24300 per group

Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Family Per Person

$12150 per person

Combined Medical and Drug EHB Deductible, Combined In/Out of Network, Individual

$12,150

Combined Medical and Drug EHB Deductible, In Network (Tier 1), Family Per Group

$8000 per group

Combined Medical and Drug EHB Deductible, In Network (Tier 1), Family Per Person

$4000 per person

Combined Medical and Drug EHB Deductible, In Network (Tier 1), Individual

$4,000

Combined Medical and Drug EHB Deductible, Out of Network, Family Per Group

$16300 per group

Combined Medical and Drug EHB Deductible, Out of Network, Family Per Person

$8150 per person

Combined Medical and Drug EHB Deductible, Out of Network, Individual

$8,150

Unique Plan Design

Yes

Wellness Program Offered

No

Copay & coinsurance

Pharmacy cost sharing by tier

Drug tier Pharmacy type Copay amount Copay option Coinsurance rate Coinsurance option Mail order

Questions & answers

Frequently asked questions

How do I choose the right ACA plan in Arkansas?

Everyday Silver (QualChoiceLife) (37903AR0070001) is a Silver PPO from QualChoice Life and Health Insurance Company, Inc. in Arkansas for the 2025 coverage year.

Compare it against other options with the HealthPorta plan finder to confirm premiums, deductibles, and network access fit your household.

Does Everyday Silver (QualChoiceLife) support telehealth or virtual urgent care?

The issuer has not published telehealth details yet. Review the Summary of Benefits and Coverage to confirm if virtual visits are included.

Is Everyday Silver (QualChoiceLife) HSA-eligible and does it include dental or vision coverage?

It is not marked as HSA-eligible, so confirm with the issuer before relying on tax-advantaged savings.

Dental coverage is not listed for this plan.

Vision add-ons: Child.

Does Everyday Silver (QualChoiceLife) support mail-order prescriptions?

Mail order coverage is not listed for this plan, so confirm with the issuer before relying on home delivery.

Which disease management programs come with Everyday Silver (QualChoiceLife)?

The issuer lists disease management resources for: Asthma, Diabetes, Heart Disease, Pregnancy.

Is there out-of-country coverage for Everyday Silver (QualChoiceLife)?

No, out-of-country services are not covered for this plan.

Does Everyday Silver (QualChoiceLife) cover care outside the service area?

No, the issuer indicates out-of-service-area care is not covered except for emergencies.

How do I enroll in or manage payments for Everyday Silver (QualChoiceLife)?

Use the issuer portal https://ambetter.arhealthwellness.com/payments to pay premiums or start enrollment, then return to HealthPorta for benefit comparisons.

Disclaimer: Based on the Tue, 02 Dec 2025 06:13 GMT HealthPorta import from CMS issuer filings. Data is best-effort and should be validated with the issuer directly. Sources: CMS.gov and the HealthPorta Healthcare MRF API.
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