Open Enrollment for 2020Changes to Select AlaskaCare Benefits that take effect on
January 1, 2020

Open Enrollment is now closed.
Changes will go into effect January 1, 2020.

AlaskaCare Benefits
Voluntary Benefits
Enroll
FAQs
  1. Introduction
  2. Medical Plan Options and Rates Explained
  3. AlaskaCare 2020 Employee Premiums
  4. Office Visit Co-Pay
  5. Simplified Pharmacy Co-Pays
  6. New Ways to Extend your Dental Benefits
  7. Health Flexible Spending Account (HFSA)
  8. Surgery Plus Supplemental Coverage
  9. Dental Benefits
  10. Vision Benefits (VSP)
  11. Life Insurance
  12. Teladoc® Phone Services

Introduction to Select AlaskaCare Benefits

This enrollment guide outlines the choices available to you under the State of Alaska Select Benefits plan, commonly referred to as AlaskaCare. In addition to enrolling when you are first eligible or during annual Open Enrollment, benefits may be changed within 30 days of a qualified change in family or employment status.

Select Benefits allows you to choose your benefit plans. Because you may have different needs than your coworkers and friends, you can create a personal benefit program from a range of benefits and levels of coverage. Best of all, you can spend your dollars for benefits that better meet your needs. Here's how it works:

  • You consider the monthly cost of each option and decide which benefits to purchase. Use the Health Plan Cost Comparison Tool [XLSM] to help you make an informed decision.
  • If you make selections that require a monthly employee contribution, that amount will be taken through pretax payroll deductions. This means deductions are withheld from your pay before federal income taxes are applied. The monthly employee contribution amount is divided in half and deducted from your paychecks each month in equal amounts throughout the benefit year.

The AlaskaCare online enrollment system will automatically calculate your monthly employee contribution amount as you make selections, allowing you to change your choices until you are satisfied with the choices and cost.

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Medical Plan Coverage and Rates Explained

You will need to make elections based on the Select Benefit options listed below. Please review these carefully to ensure the options you select are best for you and your family. Follow the links for more details about these important benefits. You may enroll in or change these benefits for the first 30 days of first being hired into an eligible position; following a qualified change in family or employment status or during the Open Enrollment. Please note the 30 days includes the first day of employment, status change, etc.

Carefully review the different benefit options, discuss your benefit needs with your spouse if applicable, and contact the Division if you have questions. Benefits needs are different for everyone. Make sure the decisions you make during open enrollment will be a good fit for you and your family for the next year. The following available benefit options vary in cost and provide different benefit levels.

Your Select AlaskaCare Benefits choices:
AlaskaCare Health
  • Employee and Family, Employee Only, and Opt-Out (Waiver of Coverage)*
  • Three medical plans
  • Two dental plans
  • Optional vision plan
  • Health Flexible Spending Account (HFSA) *

 * You must elect this benefit each Open Enrollment period; it will not automatically continue from one benefit year to the next. Limitations to this plan may apply; refer to the AlaskaCare Select Benefits Information Booklet for greater details about this plan.

AlaskaCare offers a menu of medical plan options so you can find the best fit for you and your family.

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 in-network provider. In-network preventive care services are not subject to deductibles or coinsurance.

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

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

Choosing your Medical Coverage

There are many things to consider when choosing which Medical Plan is the best fit for your family. Please review the comparison chart, and use Health Plan Cost Comparison Tool [XLSM] to help you make the best decision for you and your family.

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AlaskaCare 2020 Employee Premiums

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
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, 2020
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, 2020

 Premiums are subject to change.

* See section 2.1.1 Medical Benefit Schedule for a list of coinsurance and out-of-pocket maximum exceptions (such as 100% coinsurance for in-network preventive care, or greater out-of-pocket maximums that apply to charges from some out-of-network facilities).

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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Office Visit Co-Pay

Copays for Office Visits in the Standard and Economy Plans

Do you sometimes avoid going to the doctor because you haven’t met your deductible yet? AlaskaCare is working to relieve the initial costs you face when seeking medical care. Beginning January 1, 2020, if you elect the Standard or Economy medical plan, you and your dependents will now pay a flat copay amount for in-network primary care and specialty care office visits. (Note: this copay will not apply to other charges that may be incurred during the visit and billed separately including lab, facility, procedure or other ancillary services explained below.)

Instead of paying the full cost of your office visit before you meet your deductible and a percentage of the cost (coinsurance) after you meet your deductible, you will only pay a flat copay for all primary and specialty care office visits. Copays do not apply to your deductible, but they do apply to your annual out-of-pocket maximum.

Plan In-Network Primary Care Office Visit Copay In-Network Specialty Care Office Visit Copay
Standard Plan $25 $35
Economy Plan $45 $55

Keep in mind that copays only apply to in-network providers, and only cover the office visit. Facility charges, ancillary services, and other services such as labs that are not billed as part of an office visit will be subject to deductible and coinsurance. Also, preventive care services received at a network provider will continued to be covered at 100% not subject to copay, deductible, or coinsurance.

To find a network provider, or to see if your provider is in-network call Aetna at (800) 821-2251 use the online DocFind tool.

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Simplified Pharmacy Co-Pay

Simplified Prescription Drug Schedule and Addition of Generic Maintenance Medication Tier

Calculating how much you can expect to pay for your prescription drugs can be difficult. This year, we’re simplifying the process. Pharmacy benefits will now be paid at a flat maximum copay for generic and preferred brand-name prescription drugs reducing your out-of-pocket costs.

AlaskaCare has also added an additional, lower cost prescription drug tier for generic maintenance medications, reducing your costs for generic medications that you take regularly over an extended period of time to manage chronic conditions.

Retail: 1-30 Day Supply at Network Pharmacy
Prescription Tier Copay
Maintenance Generic $5
Generic $10
Preferred Brand-Name $35
Non-Preferred Brand Name 65% coinsurance
($80 minimum/$150 maximum)
Home Delivery: 31-90 Day Supply at Network Pharmacy
Prescription Tier Copay
Maintenance Generic $10
Generic $20
Preferred Brand-Name $50
Non-Preferred Brand Name $100

Review the complete pharmacy benefit schedule in the AlaskaCare Employee Insurance Booklet.

These changes simplify your prescription drug benefits, encourage use of generic and preferred brand-name drugs, and reduce the cost of maintenance medication.

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New Ways to extend your Dental Benefits

Get More Value Out of Your Dental Benefits with the Preventive First Program

Regular visits to the dentist can improve your oral health and your overall health. Those twice-yearly checkups can help your dentist identify any problems before they cause pain or discomfort. That’s just one reason why receiving preventive dental services is important.

Beginning January 1, 2020, both the economy and the standard AlaskaCare employee dental plans will feature enhanced preventive coverage through the Preventive First Program. With the Preventive First Program your preventive visits will not count against your annual individual benefit maximum. This helps your annual dental benefits go further by making those preventive dollars available to support other dental services you may need.

Not only will your dental benefits go farther, but regular preventive care can help you avoid potentially painful and costly restorative treatments down the road. If you have dental insurance, make the most of it and protect your smile.

Save Money on Dental Visits with an Additional Dental PPO Network

Did you know: Your dental plan lets you see any licensed dentist you want. But when you see a network provider, you’ll save money. Now you can save even more by using a dentist in Delta’s Preferred Provider Organization (PPO). The PPO network is a subset of the “Premier” network providers. AlaskaCare members have had the Delta Dental Premier network since 2014.

Beginning January 1, 2020, you will have access to an additional, narrower network of dental providers in Delta Dental’s PPO network. These providers offer the same services at an even lower price than Premier network providers. You benefit even more when you use a PPO dentist:

  • When you visit a PPO dentist, you’ll pay less out-of-pocket
  • You can receive more services before reaching your annual benefit maximum.

You do not need to do anything to enroll in this benefit, but if you want to take advantage of the discounted services, use the dentist locator tool to search for providers who participate in the PPO network or contact Delta Dental customer service at (855) 718-1768.

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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.

2019 Health Flexible Spending Account Rates
Minimum Monthly Amount $25.00
Maximum Monthly Amount $225.00
Effective: Jan. 1 - Dec. 31, 2020

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