AlaskaCare BenefitsOpen Enrollment for 2022

Open Enrollment is Now CLOSED.
Elections made during the open enrollment period will go into effect January 1, 2022

AlaskaCare Benefits
Voluntary Benefits
FAQs
Enrollment Guide and Cost Comparison Tool
Summaries of Benefits and Coverage
Premium Sheets
  1. Introduction to AlaskaCare Benefits
  2. Benefit Highlights for 2022
  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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Benefit Highlights for 2022

  • Covered Drugs for 2022: Premium Drug Formulary
    The OptumRx Premium Formulary is a list of medications, pharmacy care products, and services or supplies that have been evaluated by a team of clinical experts and chosen for their safety, cost, and effectiveness. Your AlaskaCare plan covers drugs that are listed on the Premium Formulary, and drugs that are not on the formulary will not be covered effective January 1, 2022. If you have a medical need to use a drug that is not listed on the Premium Formulary, you or your doctor should contact OptumRx at (855) 409-6999 to request an exception. If you are currently taking a medication that is not on the Premium Formulary you will receive a letter notifying you of the change and alternatives to discuss and review with your physician

  • Get Moving with Hinge Health!
    Hinge Health can help whether you have chronic or sudden joint pain, are recovering from an injury, or just want more strength and flexibility. Hinge Health offers innovative digital care programs that connect you with a physical therapist or personalized health coach to help you manage musculoskeletal conditions such as back, knee, hip, neck and shoulder pain. Hinge Health’s programs are available at no cost to you and your family members age 18+. You can reach Hinge Health’s Member Care Advocates at (855) 902-2777. Enroll in Hinge Health Now!

  • Updated premiums for 2022.
    Be sure to review the updated plan premiums effective January 1, 2022.

  • Behavioral Health Support at Your Fingertips.
    Teladoc® now includes behavioral health consultations with a $0 copay. Their board-certified psychiatrists and licensed psychologists, social workers, and family/marriage therapists can help with depression, anxiety, stress, panic disorder, ADHD, schizophrenia, work-related issues, personal issues, and more. You can choose a therapist or psychiatrist who fits your needs and schedule visits 7 days a week, 7am to 9pm, from wherever you are most comfortable. Visit the Teladoc® website or you can call Teladoc® at (855) 835-2362 to request a consult by phone.

  • Access to Anchorage-Area Hospitals
    Providence Alaska Medical Center and Alaska Regional Hospital are both in-network for AlaskaCare Employee plan members. If you receive care in the Anchorage-area, you will save no matter where you go. Network hospitals and facilities have partnered with AlaskaCare to keep your costs low by offering you discounted rates. We've also expanded the network to include more freestanding surgical and imaging centers in the Anchorage area. A larger network means more choice for you! Find a network provider near you with the DOC Finder Tool or call the Aetna Concierge at (855) 784-8646.

Remember! You still have great access to high-quality providers at lower costs through the SurgeryPlus network. If you are considering elective surgeries learn how you can save money through SurgeryPlus.

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 2022 Employee Premiums

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.

2022 Health Flexible Spending Account Contribution Limits
Minimum Monthly Amount $25.00
Maximum Monthly Amount $225.00
Effective: Jan. 1 - Dec. 31, 2022

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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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