AlaskaCare Health Plan Premiums

Medical Plan Comparisons at a Glance

  • Glossary of Important Terms
    • Deductible is the amount you pay each benefit year before a portion of your costs are paid by your AlaskaCare medical plan benefits. You pay the full cost of your eligible health expenses until you meet your deductible. The amount you pay for your deductible depends on the plan you select.
    • Coinsurance is the percentage of covered expenses paid by AlaskaCare once you meet your deductible.
    • Out-of-pocket limit is a cap which AlaskaCare has set to protect you from large expenses. If you reach the out-of-pocket limit, AlaskaCare will then pay 100% of your eligible expenses for the rest of the calendar year. A separate out-of-pocket limit applies to medical benefits and pharmacy benefits.
    • Health Reimbursement Arrangement (HRA)** is a tax-free medical reimbursement plan funded by the employer for members enrolled in the Consumer Choice plan. The balance of the HRA is applied towards the Consumer Choice deductible each benefit year until the HRA is exhausted.

    Select Alaska Benefits

    ** HRA only applies to Consumer Choice plan. With the Economy and Standard plans, you pay 100% of the deductible amount.

  • Preventive Care — At No Cost

    All AlaskaCare employee medical plan options will pay covered preventive services in full when received from an network provider. In-network preventive care services are not subject to deductibles or coinsurance.

    See the Preventive Care Coverage Information Flyer [PDF] and the Women’s Preventive Care Coverage Information Flyer [PDF] for additional information on covered preventive services.

    All other covered medical benefits are subject to the deductible and coinsurance.

2020 ACTIVE EMPLOYEE PREMIUMS:
For AVTECTA – AK Vocational Teachers (TA), APEA – Confidential (KK), APEA – Supervisory (SS), ACOA – Correctional Officers (GC), TEAME – Mt. Edgecumbe Teachers (TM), Employees not covered by collective bargaining (Exempt)
Employee Only Employee & Family
Medical, Standard $140 $340
Medical, Economy $60 $160
Medical, Consumer $24 $68
Dental, Standard $35 $98
Dental, Economy $0 $0
Vision, Managed $14 $38
For MEBA – Marine Engineers (BB), IBU – Inlandboatman’s (MM) Only
Employee Only Employee & Family
Medical, Economy $0 $0
Provisions for ALL employee groups
Medical, Standard Medical, Economy Medical, Consumer
Individual Deductible $300 $500 $2,400
Family Deductible $600 $1,000 $4,800
Coinsurance* 80% 70% 70%
Individual Annual Out-of-Pocket Limit* $1,750 $2,750 $5,400
Family Annual Out-of-Pocket Limit* $3,500 $5,500 $10,800
In-Network Primary Care Office Visit Copay $25 $35 N/A
In-Network Specialty Care Office Visit Copay $45 $55 N/A
Effective: Jan. 1 - Dec. 31, 2020

Premiums are subject to change.

2020 Health Flexible Spending Account Rates
Minimum Monthly Amount $25.00
Maximum Monthly Amount $225.00
Effective: Jan. 1 - Dec. 31, 2020

With the Select Benefits Health Flexible Spending Accounts (HFSA), you can set aside money to pay for certain health care expenses on a tax-free basis. You must contribute in whole dollar amounts. The contribution amount you elect will be deducted from your paycheck in equal amounts throughout the year.

COBRA and LWOP EE
Plan Rate
Medical, Standard $1,042.15
Medical, Economy $680.62
Medical, Consumer $588.01
Dental, Standard $55.70
Dental, Economy $24.97
Vision, Managed $12.48
Effective: January 1, 2020
COBRA and LWOP EE + FAMILY
Plan Rate
Medical, Standard $2,851.02
Medical, Economy $1,819.91
Medical, Consumer $1,555.67
Dental, Standard $146.69
Dental, Economy $58.78
Vision, Managed $33.31
Effective: January 1, 2020

 * Under the authority of 2 AAC 39.920, Select Benefits will only pay 30 percent of covered charges for your dependents if your spouse or children are covered by a State employee health trust and that coverage:

  • has been waived,
  • pays less than 70 percent of covered expenses, or
  • has an individual out-of-pocket maximum, including deductible, of more than $3,500

This applies to any dependent covered by Select Benefits where the trust plan would normally pay first if you hadn't reduced or waived coverage. When your spouse or the parent of any of your children selects coverage under a State employee health trust, they must ensure they are electing a plan that covers at least themselves and any dependents for which they have primary responsibility and that coverage provides full family coverage. Failure to do so will result in lower coverage for your dependents in the coming year.

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