AlaskaCare BenefitsOpen Enrollment for 2021

Open Enrollment for Plan Year 2021 is now closed.
Elections made during the open enrollment period
will go into effect January 1, 2021

AlaskaCare Benefits
Voluntary Benefits
FAQs
Enrollment Guide and Cost Comparison Tool
Summaries of Benefits and Coverage
Premium Sheets
  1. Introduction to AlaskaCare Benefits
  2. What's New for 2021?
  3. AlaskaCare Benefit Options
  4. AlaskaCare 2021 Employee Premiums
  5. Health Flexible Spending Account (HFSA)
  6. Preventive Care – Covered at No Cost
  7. Glossary of Important Terms
Introduction to 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.

AlaskaCare allows you to create a personal benefit program from a range of benefits and levels of coverage. You can choose from a range of options, including three medical plans, two dental plans and several additional benefits you can elect to participate in. 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 [XLS] 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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What's New for 2021?

AlaskaCare is committed to improving and expanding your benefits to help you stay healthy and affordably access the care you need, when and where you need it.
Here’s how AlaskaCare is making your care more affordable in 2021:

  • Reducing the Standard medical plan premiums!
    AlaskaCare Standard Medical Plan 2020 Monthly Premium 2021 Monthly Premium
    Employee Only $140 $120 * Reduced!
    Employee and Family $340 $290 * Reduced!
  • Giving you MORE network hospital and facility options in the Anchorage area!
    AlaskaCare is expanding its network in the Anchorage area! Beginning January 1, 2021, you have more options for care. BOTH Alaska Regional Hospital and Providence Alaska Medical Center will be in network for AlaskaCare members. You will also have network access to many more Anchorage-area ambulatory surgical centers. To find a network provider, or to see if your provider is in-network call Aetna at (800) 821-2251, or use the online DocFind tool.

  • Talk with your providers to choose the hospital or facility that best meets your needs.

  • $0 copayments for certain specialty medications!
    Members taking certain specialty medications can reduce their drug copayments for those medications to $0. AlaskaCare can help you eliminate your out-of-pocket costs for certain specialty medications through the Variable Copay Solution program by applying rebates that are available from drug manufacturers. If you or someone in your household has one or more specialty prescriptions, contact Optum Specialty pharmacy at (855) 427-4682 to find out if your medication is eligible for a $0 copay and to learn more about how to enroll in this program.

  • Better prices for specialty medications!
    We are bringing you deeper discounts on high-cost specialty medications by partnering with Optum Specialty pharmacy to serve as the sole network specialty pharmacy. If you are currently filling your specialty medications through a different pharmacy, OptumRx will be in contact with you soon to help you transition your prescriptions to Optum Specialty pharmacy. You can still fill your non-specialty medications at the network pharmacy of your choice.

    What are Specialty Medications?
    Specialty medications are high-cost prescription drugs that that include injectable, infusion, and oral drugs. They are usually used to treat complex or chronic conditions like rheumatoid arthritis, cancer, or multiple sclerosis.

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

AlaskaCare Benefit Options

You can choose who you cover for each benefit option
You can choose to cover yourself (employee only), yourself and your family (employee and family), or opt-out of medical coverage (waiver of coverage*) for the medical, dental, and vision plans independently. For example, you may choose employee and family medical coverage, and employee only dental and vision coverage.

* 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 Employee Plan Booklet for greater details about this plan.

AlaskaCare Medical Plan Options
AlaskaCare offers three medical plans to choose from: Standard, Economy, and Consumer Choice. The three options all cover the same services, including pharmacy benefits, but each option has different deductibles, coinsurance levels, copayments (if applicable) and out of-of-pocket maximums. You can choose the plan that is best for you based what will work best for your family’s needs. Review the AlaskaCare Employee Plan Booklet, the Summaries of Benefits and Coverage at the top of this page, or the AlaskaCare Medical Plans for more information about your medical plan choices.

The low premium, high deductible Consumer Choice medical plan structured a little differently than the Standard and Economy medical plans. The Consumer Choice medical plan is coupled with a Health Reimbursement Arrangement (HRA) account to help cover your costs before you meet your deductible. This video provides an overview of the Consumer Choice option and highlights some considerations you should keep in mind when choosing your medical coverage.

AlaskaCare Dental Plan Options
AlaskaCare offers two dental plans to choose from: Standard and Economy. These plans cover different services, reimburse different amounts, and have different out-of-pocket maximums depending on the plan you choose. Both plans cover preventive (Class I) services, such as cleanings and periodic oral exams at 100% when you use a network provider, and do not apply the costs to your out-of-pocket maximum. Learn more about your dental plan choices here.

AlaskaCare Vision Plan Option
AlaskaCare offers one optional vision plan to provide coverage for well vision exams, prescription glasses, contacts, and more. Learn more about the optional vision plan here.

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 the Health Plan Cost Comparison Tool [XLS] to help you make the best decision for you and your family.

AlaskaCare 2021 Employee Premiums
2021 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 $120 * Reduced! $290 * Reduced!
Medical, Economy $60 $160
Medical, Consumer Choice $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, Standard $120 * Reduced! $290 * Reduced!
Medical, Economy $0 $0
Medical, Consumer Choice $24 $68
Dental, Standard $35 $98
Dental, Economy $0 $0
Vision, Managed $14 $38
Medical Plan Provisions for ALL employee groups
Medical, Standard Medical, Economy Medical, Consumer
Individual Deductible $300 $500 $2,400
* first $750 offset by HRA
Family Deductible $600 $1,000 $4,800
* first $1,500 offset by HRA
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 Provider Visit Copay $25 $35 N/A
In-Network Specialty Care Provider Visit Copay $45 $55 N/A
Effective: Jan. 1 - Dec. 31, 2021
COBRA Employee
Plan Rate
Medical, Standard $1,111.54
Medical, Economy $709.87
Medical, Consumer $614.74
Dental, Standard $58.00
Dental, Economy $25.27
Vision, Managed $13.93
Effective: Jan. 1 - Dec. 31, 2021
COBRA Employee + Family
Plan Rate
Medical, Standard $3,025.70
Medical, Economy $1,878.52
Medical, Consumer $1,608.63
Dental, Standard $154.30
Dental, Economy $59.85
Vision, Managed $34.27
Effective: Jan. 1 - Dec. 31, 2021

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

If you have health coverage through AlaskaCare and your spouse or the parent of any of your children has other health coverage (for example, through a State employee health trust), the parent who has primary responsibility for covering your children must ensure they elect a plan that provides full family coverage. Failure to do so will result in less coverage for your dependents in the coming year.

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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.

2021 Health Flexible Spending Account Contribution Limits
Minimum Monthly Amount $25.00
Maximum Monthly Amount $225.00
Effective: Jan. 1 - Dec. 31, 2021

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

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

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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.
  • Copayments, or copays, are a fixed fee for certain health care services, such as office visits or prescription fills at a pharmacy. Members enrolled in the Standard or Economy plans only have to pay a flat copay for primary or specialty care, even before they meet their deductible! Copays don’t count towards your deductible, but they do count towards your annual out-of-pocket limit.
  • Health Reimbursement Arrangement (HRA)** is a tax-free medical reimbursement plan funded by the employer for members enrolled in the Consumer Choice plan. Your HRA covers the first $750 (for individuals) or $1,500 (for families) of your deductible so that you don’t have to!

Select Alaska Benefits

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

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