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.

AlaskaCare 2019 Active Employee Premiums
-- Consumer Choice Economy Standard
Medical Monthly Employee Premiums:
SU, CEA, Exempt, AVTCTA
Employee Only $24.00 $60.00 $140.00
Employee and Family $68.00 $160.00 $399.00
Medical Monthly Employee Premiums:
IBU, MEBA, Correctional Officers, TEAME
Employee Only $24.00 $0.00 $140.00
Employee and Family $68.00 $0.00 $399.00
Deductible
Individual $2,400 $500 $300
Family $4,800 $1,000 $600
Coinsurance 1 2
of the Allowable Amount 70% 70% 80%
Annual Out-of-Pocket Limit 3
Individual In-Network $5,400 $2,750 $1,750
Individual
Out-of-Network
$10,800 $5,500 $3,500
Dental Monthly Employee Premiums
Employee Only -- $0.00 $35.00
Employee and Family -- $0.00 $98.00
Vision Monthly Employee Premiums
Employee Only -- -- $14.00
Employee and Family -- -- $38.00

1 See section 2.1.1 of the plan booklet for a list of coinsurance exceptions, such as 100% for in-network preventive care, or reduced coinsurance levels for receiving services at some out-of-network facilities.
2 Coinsurance will be 30% of covered charges for dependents that are covered by a State employee health trust and that coverage: has been waived, pays less than 70% of covered expenses, or has an individual out-of-pocket maximum, including deductibles, of more than $3,500.
3 Out-of-Network for facility services outside of Alaska or in the Municipality of Anchorage. See plan documents for other exclusions.

Effective: Jan. 1 - Dec. 31, 2019

Premiums are subject to change.

2019 Health Flexible Spending Account Rates
Minimum Monthly Amount $25.00
Maximum Monthly Amount $225.00
Effective: Jan. 1 - Dec. 31, 2019

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 $1,007.78
Medical, Economy $584.18
Medical, Consumer $505.26
Dental, Standard $55.73
Dental, Economy $24.52
Vision, Managed $13.45
Effective: Jan. 1 - Dec. 31, 2019
COBRA and LWOP EE + FAMILY
Plan Rate
Medical, Standard $2,761.45
Medical, Economy $1,554.92
Medical, Consumer $1,330.50
Dental, Standard $146.91
Dental, Economy $58.18
Vision, Managed $32.96
Effective: Jan. 1 - Dec. 31, 2019

 * 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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