Employee AlaskaCare Health Benefits
- AlaskaCare Health Plan Overview
- What Plan am I in?
- AlaskaCare Health Plan Summaries
- Health Flexible Spending Account (HFSA)
- Gym and Fitness Benefits
AlaskaCare Health Plan Overview
The health benefits that the State of Alaska provides to its eligible employees is commonly referred to as AlaskaCare. AlaskaCare Health Plans can help you and your eligible dependents pay for medical, dental, pharmacy and vision expenses. You can find in-depth information on the different AlaskaCare plans in the AlaskaCare Health Plan Summaries section.
What Plan Am I in?
Wondering what plan you are in? Your plan is based on your bargaining unit affiliation and depending on the specific plan you are in, you may be required to pay a portion of the premium.
AlaskaCare Health Plan Summaries
- AlaskaCare Medical Plans
Both the Economy and Standard medical plan cover all the same services, including pharmacy benefits, but each has different deductibles, coinsurance, and out-of-pocket maximums. You choose the plan that is best for you based on how much you can afford to pay in deductibles and coinsurance as well as the premium.
- AlaskaCare Dental Plans
The Economy and Standard dental plans cover different services and reimburse different amounts depending on the plan selected. You choose the plan that is best for you based on the services you anticipate, those that are covered and how much you can afford to pay in deductible, coinsurance and the premium.
- AlaskaCare Vision Plans
The Vision plan helps cover different optometry services, including exams and can help provide discounts for your glasses and contacts. You can choose to carry no coverage if you don't anitipate needing vision coverage.
Health Flexible Spending Account (HFSA)
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.
|2017 Health Flexible Spending Account Rates|
|Minimum Monthly Amount||$20.00|
|Maximum Monthly Amount||$216.00|
|Effective: Jan. 1 - Dec. 31, 2017|
Here's How It Works
Each benefit year, you decide the amount you want to contribute, up to the limits, on a pretax basis. During the benefit year, you file claims and are reimbursed with tax-free dollars from the account. You benefit from reduced taxes, because you don't pay taxes on the dollars you contribute to your accounts.
Some Important Rules
The government imposes certain restrictions on Health Flexible Spending Account plans to give you these pre-tax advantages.
- You cannot enroll in, cancel or change your Health Flexible Spending Account (HFSA) amount at any time during the year except during Open Enrollment.
- You must elect these benefits each open enrollment period, they do not automatically continue from one benefit year to the next.
- The upcoming benefit year runs from January 1 to December 31. You must budget contributions carefully. You may carry over up to $500 of unused funds in your Health Flexible Spending Account (HFSA) to the next benefit year, but unused amounts over $500 are forfeit.
- Services for eligible expenses must be received while you are covered by the plan—coverage stops during periods of leave without pay and at termination. Under HFSA, coverage also stops when you move to a bargaining unit which does not participate in the Select Benefits /AlaskaCare health plan. With the exception of the $500 carry over in the HFSA plan, services must be received prior to the end of the benefit year, December 31. Claims for the benefit year must be filed within 90 days of the end of the benefit year.
- Health Flexible Spending accounts will now allow for a maximum $500 carry-over of unused funds from one benefit year to the next. This amount will be in addition to any new benefit year amount you select as deductions in your pay.
Gym and Fitness Benefits
Eligible State of Alaska employees can take advantage of special discounted rates at participating gym and fitness facilities across the state. Proof of state employment is required. The following may be used as proof of employment, however please confirm this directly with the provider as it is subject to variation at their discretion:
- State of Alaska employee ID
- Pay stub with the financial information blacked out
- Listing in the online employee directory
- Email from a State of Alaska email address
Membership or participation with these fitness providers is voluntary on the part of employees and families. The State of Alaska (the State) neither advocates nor recommends any particular club, facility, or fitness service nor endorses specific programs or business practices. The State will not be liable for any personal injury, property damage, or theft that may occur as a result of an individual participating in any club, gymnasium, or fitness service that is referenced in this site. The State does not guarantee the rates/fees or discounts as they are subject to change. The State is not a party to any agreement between the employee and fitness provider and shall not be liable for payment of any membership fee. Membership fees are the sole responsibility of the employee. Any individual deciding to start a fitness regimen or exercise program should consult with his/her physician.
- Please visit the Gyms and Fitness Benefits page to see if there's a participating facility near you.