Arkansas Health & Wellness

What Arkansas Health & Wellness does

Arkansas Health & Wellness is a health insurance company headquartered in Little Rock, Arkansas, operating as a wholly owned subsidiary of Centene Corporation (NYSE: CNC). It serves individual consumers and Medicare beneficiaries across all 75 Arkansas counties through two core product lines: Ambetter from Arkansas Health & Wellness, which underwrites Health Insurance Marketplace (Qualified Health Plan) individual and family coverage, and Wellcare by Allwell, which offers Medicare Advantage plans including Dual Eligible Special Needs Plans (D-SNP) and Chronic Condition Special Needs Plans (C-SNP). Underwriting entities include Celtic Insurance Company (dba Arkansas Health and Wellness Insurance Company), QCA Health Plan, Inc., and QualChoice Life & Health Insurance Company, Inc. Coverage design spans Bronze, Silver, and Gold metal tiers on the Marketplace and $0-premium Medicare Advantage options with Part D drug coverage, supplemental benefits for the chronically ill (SSBCI), and flexible-benefit allowances (Wellcare Spendables card, My Health Pays and My Wellcare Rewards).

Name

Arkansas Health & Wellness

Legal name

Celtic Insurance Company (dba Arkansas Health and Wellness Insurance Company), QCA Health Plan, Inc., and QualChoice Life & Health Insurance Company, Inc.

Website

https://arhealthwellness.com

Company type

Private

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Arkansas Health & Wellness is a Centene Corporation subsidiary offering Ambetter Health Insurance Marketplace plans and Wellcare by Allwell Medicare Advantage plans (including D-SNP and C-SNP) to individual consumers across all 75 Arkansas counties, leveraging integrated telehealth, pharmacy, provider, and rewards programs.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Life Insurance (6311)

akta.pro industry

PRIMARYHLAEABAB

Off-Exchange Individual & Family Plans

Healthcare & Life Sciences/Health Insurance & Managed Care/Individual & Family (ACA/Exchange) Health Insurance

Keywords

• Health insurance plans
• Medicare Advantage coverage
• Marketplace insurance
• Medicaid managed care
• Pharmacy benefits

Headquarters

HQ city

Little Rock

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Supply Chain, Marketing or Sales, Technology or R&D

Revenue model

1. Health Insurance Premium Revenue: Collects monthly premiums from enrolled members and employer groups. Premium amounts vary based on plan tier (Bronze/Silver/Gold), coverage type (individual/family), geographic location within Arkansas, and subsidy eligibility for Marketplace plans. Medicare Advantage plans receive capitated payments from CMS.

Pricing tiers

Go-to-market motion4 records

Distribution channels5 records

Marketing channels7 records

Core offering

Arkansas Health & Wellness underwrites and sells individual and family health insurance plans in Arkansas, operating the Ambetter Health Insurance Marketplace product line and the Wellcare by Allwell Medicare Advantage product line. Plans include medical, pharmacy, dental, vision, telehealth, fitness, and supplemental benefit coverage, with value-added programs such as My Health Pays rewards and Wellcare Spendables.

Product overview

Arkansas Health & Wellness is a health insurance company operating as a Qualified Health Plan issuer in the Arkansas Health Insurance Marketplace, offering two primary product lines: Ambetter (Health Insurance Marketplace plans) and Wellcare by Allwell (Medicare Advantage plans). The company provides a comprehensive portfolio including pharmacy benefits through Express Scripts, virtual care services via Teladoc/Brightside Health/Rula Health/Great Speech, fitness benefits through Silver and Fit, and wellness rewards programs including My Health Pays and Wellcare Spendables. Provider tools include a Secure Provider Portal transitioning to Availity Essentials, Pre-Auth Check Tool, and EFT/ERA through PaySpan Health. Additional services include care management, health management programs for chronic conditions, 24/7 nurse advice line, maternity programs (Start Smart for Baby), and specialty benefits for dental, vision, and transportation. The company also offers machine-readable JSON files for transparency in coverage compliance.

Differentiator

Problem solved

Functional benefit

Brands

• Ambetter Health: Health Insurance Marketplace product offering Health Insurance Marketplace plans for individuals and families in Arkansas.
• Wellcare by Allwell

Products and services

• Ambetter from Arkansas Health & Wellness Health Insurance Marketplace plans for individuals and families in Arkansas offering essential health benefits, preventive care, prescription drug coverage, and access to provider networks across all 75 Arkansas counties.
• Wellcare by Allwell Medicare Advantage Medicare Advantage plan providing hospital, medical, and Part D prescription drug coverage for Medicare-eligible individuals in Arkansas, including D-SNP and C-SNP options for dual-eligible and chronic condition members.
• Pharmacy Benefits (Part D) Prescription drug coverage including a drug formulary, mail-order service through Express Scripts, access to over 60,000 in-network pharmacies, prior authorization for specialty medications, and medication therapy management.
• Ambetter Telehealth / Virtual 24/7 Care Virtual care services available 24/7 for urgent care, mental health therapy and psychiatry, dermatology, and speech therapy through contracted telehealth providers including Teladoc, Brightside Health, Rula Health, and Great Speech.
• Fitness Benefit (Silver and Fit) Fitness program providing access to over 15,000 gym locations and fitness classes, online workout videos, and home workout equipment delivery for Medicare Advantage members.
• My Health Pays Rewards Program Member rewards program allowing Ambetter members to earn up to $500 for completing healthy activities such as wellness visits, screenings, online challenges, and educational videos, redeemable for premium payments, copays, utilities, and transportation.
• Wellcare Spendables Card Preloaded benefits card providing a monthly allowance for D-SNP members to pay for eligible health items and services including healthy food, OTC products, utilities, rent, gas, and fitness, usable at participating retailers and online.
• Start Smart for Your Baby Maternity health program providing support through pregnancy, delivery, and postpartum, including provider matching, mental health support, breastfeeding assistance, and baby development tracking.
• Care Management Services Care coordination services delivered by registered nurses and social workers who help members schedule appointments, communicate with providers, manage prescriptions, and connect to community resources.
• Health Management Programs Disease management programs for chronic conditions including anxiety, asthma, coronary artery disease, depression, diabetes, hypertension, high cholesterol, lower back pain, substance use, and tobacco cessation.

Quantifiable outcome

• Earn up to $500 in My Health Pays rewards for completing healthy activities
• +3 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration16 records

Feature7 records

Partnerships

14 partnerships are on record, tiered minor and core.

• FarmboxRxminorGTM or Marketing PartnerPartnership providing food insecurity support and healthy food benefits to members through Fresh RX program.
• Silver and FitcoreStrategic or Co-development PartnerFitness benefit program providing access to over 15,000 fitness center locations and online workout videos for Medicare Advantage members.
• Cyber-SeniorsminorGTM or Marketing PartnerPartnership offering free tech support and training sessions for older adults, including live help sessions about Wellcare Spendables.
• Express ScriptscoreTechnology or IntegrationMail order pharmacy partner providing 90-day prescription delivery to member homes with automatic refills. Over 60,000 pharmacies in network including CVS and Walgreens.
• TeladoccoreTechnology or IntegrationVirtual urgent care provider offering 24/7 access to healthcare providers for treatment of non-emergency conditions via phone or video.
• Brightside HealthcoreTechnology or IntegrationVirtual mental health provider offering therapy and psychiatry services for anxiety, depression, addiction, ADHD and other conditions. Available to members 13+.
• Rula HealthcoreTechnology or IntegrationVirtual mental health provider connecting members with licensed therapists. Available to members 5 years and older.
• PaySpan HealthcoreTechnology or IntegrationElectronic Funds Transfer (EFT) and Electronic Remittance Advice (ERA) partner providing web-based claims payment solutions for providers.
• EvolentcoreTechnology or IntegrationSpecialty vendor managing complex imaging (MRI, CT, MRA), speech therapy, occupational therapy, and physical therapy prior authorization.
• TurningPointcoreTechnology or IntegrationMusculoskeletal management vendor handling prior authorization for shoulder, hip, spine, and knee surgery.
• National Imaging Associates (NIA)coreTechnology or IntegrationSpecialty radiology and imaging prior authorization vendor integrated into provider portal.
• Centene Vision ServicescoreTechnology or IntegrationVision services benefit administrator handling prior authorization and claims for vision care.
• Centene Dental ServicescoreTechnology or IntegrationDental services benefit administrator handling prior authorization and claims for dental care.
• Availity EssentialscoreTechnology or IntegrationProvider portal platform transitioning from legacy Ambetter portal, providing eligibility verification, claims, and authorization management.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Humana: One of the largest US Medicare Advantage carriers with strong supplemental benefits and D-SNP offerings; directly competes with Wellcare by Allwell for MA and dual-eligible members in Arkansas.
• Oscar Health: Technology-driven individual Marketplace insurer offering ACA plans in select states; the closest direct peer to Ambetter's tech-enabled individual consumer product and same target customer (ACA-eligible individuals).
• Molina Healthcare: Government-sponsored managed care company focused on Medicaid and Medicare, with comparable customer mix (low-income and dual-eligible populations) and product structure to Arkansas Health & Wellness.
• The Cigna Group: Large health insurer with Evernorth services; offers individual Marketplace plans and Medicare Advantage, competing with Ambetter for individual ACA enrollees and with Wellcare for Medicare beneficiaries.
• Arkansas Blue Cross and Blue Shield: Largest Arkansas-domiciled health insurer offering individual, group, and Medicare plans; directly competes with Ambetter in the Marketplace and with Wellcare by Allwell in Medicare Advantage within the same geographic footprint.

Emerging players

• Clover Health: Tech-enabled Medicare Advantage insurer focused on care management and supplemental benefits; comparable product strategy to Wellcare by Allwell's MA and D-SNP approach, though smaller scale.

Broad incumbents

• CVS Health (Aetna): Integrated payer-retailer with significant Medicare Advantage and individual Marketplace presence through Aetna; competes with AHW's Ambetter and Wellcare by Allwell product lines across the same member segments.
• UnitedHealthcare: Largest US health insurer with dominant Medicare Advantage and meaningful individual Marketplace presence; overlaps both Ambetter and Wellcare by Allwell product lines nationally and within Arkansas.
• Elevance Health: Major diversified health benefits company (parent of Anthem BCBS plans) with Marketplace, Medicare Advantage, and Carelon services; competes with AHW in individual Marketplace and MA markets within and beyond Arkansas.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/arkansas-health-wellness

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Arkansas Health & Wellness