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Alaska Health Insurance

 

All health insurance policies in Alaska are considered guaranteed renewable as long as your premiums are paid up to date.  So this means your health insurance can not be canceled because you become sick.

 

Alaska mandates that health insurance companies cover newborns and adopted children for the first 31 days, on their parent’s policy.  But inversely pregnancy is, and can be considered a pre-existing condition, except on group health policies.  Pregnancy is a pre-existing condition but not on group health insurance.

 

In Alaska, Insurance Companies can add elimination riders and pre-existing clauses to their policies.  Also they can apply a new pre-existing clause on a new insurance policy you get.

 

There is a high risk pool in Alaska called The Alaska Comprehensive Health Insurance Association (ACHIA) this group helps Alaska residents purchase health insurance when they normally could not.   Individuals must qualify for ACHIA coverage, which means it is not available to everyone.  There is a 6 month pre-existing clause before any claims will be paid out under ACHIA.  For more information visit their website here.

 

 

                               Request an Alaska Health Insurance Quote

 

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Alaska Small Business Health Insurance

 

 

In Alaska, a group health plan, can not base your health insurance premiums on your health.  This is called non discrimination.  Also all group plans must be sold on a guaranteed issue basis.

 

Pre-existing exclusions are limited on the amount of time they can exclude coverage.  Also if you have current coverage, without lapses, that will be credited against your pre-existing period.  Pregnancy is not considered a pre-existing condition on a group health plan.

 

The maximum pre-existing waiting period is 12 months for an employee.  Any pre-existing periods must be applied only after written notice.

 

Alaska does limit the amount of variation between premiums of different group health plans.  Each Small Business Plan will have certain enrollment periods in which employees can sign on to get coverage.

 

Click here to get some additional information Small Business Health Insurance in Alaska.

 

                              Request an Alaska Small Business Health Insurance Quote

 

 

Alaska Individual Health Insurance

 

In Alaska, insurance companies are able to decide if they want to insure you or not.  They can either rate you up or just refuse coverage.  So what this means is that if an insurance company perceives you to be to risky to insure, you will get refused.

 

Alaska allows health insurance companies to include pre-existing conditions and these are the two ways they can do it:

-         With an Elimination Rider which basically changes the policy to deny coverage of anything to do with the pre-existing condition.

-         With a Pre-Existing period, this can not be more than 12 months.

 

Relative to Pre-Existing Conditions, Insurance companies in Alaska must give credit to prior credible coverage as long as there was not more than a 90 day lapse in coverage.

 

The rates that an individual pays for an Alaska Health Insurance Plan are based on age, location, health history, family size, sex etc.  Sadly there is no limit on how much an insurance company can charge and individual for coverage.

 

Alaska has a great program to insure its children.  It is called Denali Kids and can be found here.

 

For some additional information about Individual Health Insurance in Alaska click here.

 

                            Request an Alaska Individual Health Insurance Quote                              

 

 

Alaska Self Employed Health Insurance

 

In Alaska, self employed people are able to buy health insurance like any other small business.  Health Insurance Companies can not refuse to sell them their basic plans.  Health Insurance Companies can refuse to sell them any other plans.  A self employed persons rights are protected under the laws protecting individuals.

 

Another option for affordable Alaska Self Employed Health Insurance is often associations or self employed groups.  Just keep in mind that not all of these groups, or associations are regulated by the state.

 

One benefit for Self Employed people is that they are able to deduct 100% of their health insurance premiums from their taxes!

 

For additional information about Self Employed Health Insurance in Alaska click here.

 

                             Request an Alaska Self Employed Health Insurance Quote

 

 

Temporary Alaska Health Insurance

 

Many situations may arise where you find yourself without health insurance, or about to be without health insurance.  These reasons could range from graduating college to being in-between jobs.  Instead of going without health insurance you should look into getting an Alaska Temporary Health Insurance Policy.  These policies will be cheap, with high deductibles and low coverage, but getting an Alaska Temporary Health Insurance Policy is much better than going with out health insurance.  It should be noted that Temporary Health Insurance in Alaska is not guaranteed renewable.

 

Click here to get additional information about Temporary Health Insurance in Alaska.

 

                               Request an Alaska Temporary Health Insurance Quote

 

What types of Alaska Health Insurance are there?

 

HMO- Health Maintenance Organization.  This type of insurance is called managed care.  This means you have certain network of doctors and hospitals in Alaska that you have to go to for care.  Most Alaska HMO’s have office visit co-payments that range from $10 to $35, and hospital deductibles that range from $250 to $1,500.  Often the most affordable health insurance plans are HMO’s due to the fact they are managed care.

 

PPO-Preferred Provider Organization.  This type of insurance is also called managed care but it gives the consumer much more freedom; they allow you to visit any doctor or hospital in or out of network.  Most Alaska PPO’s have an in network and an out of network charge.  If the in network co-insurance is 100% then the out of network co-insurance would be 80%.  If the in network co-insurance is 90% then the out of network co-insurance would be 70%   Typically Alaska PPO’s offer co-payments for doctor visits as well as hospitalization. 

 

Indemnity Plan - In Alaska, as health insurance rates continue to rise, many people are finding it more affordable to drop their health insurance and buy a Alaska Major Medical Health Insurance Plan.  An Indemnity plan can also be called a major medical plan or catastrophic health insurance.  Whatever you call it, typically an Alaska Indemnity Plan would cover more “major” claims.  An Indemnity plan has an annual deductible and will usually allow you to pick different co-insurance options.  Indemnity plans allow you access to any doctor or hospital, and for this reason they are typically very expensive.

 

Discount Medical Plans – In recent years many Discount Medical Plans have started to surface.  These plans have relatively inexpensive, but consumers must realize that this is not insurance.  All these companies do is to get their customers discounted rates (20-50% off) on certain procedures at certain physicians and hospitals. 

 

Federal Mandated Health Insurance Laws

 

HIPAA

Along with Alaska Health Insurance Laws, there are Federal Laws that regulate Health Insurance companies.   HIPAA (Health Insurance Portability and Accountability Act of 1996). This act mandated federal standards for individual and group health insurance plans.  Some of the standards that it established were relative to guaranteed renew ability, crediting for prior health coverage and pre-existing condition waiting periods.

 

ERISA

Large corporations do not have health insurance policies.  Typically they are self funded, meaning the corporation pays for all of their employee’s medical bills instead of buying health insurance.  Most of these “self funded” companies are regulated by the federal government under ERISA (Employee Retirement Income Security Act)

 

COBRA

In Alaska it is mandated, by the state, that all companies that offer an Alaska Group Health Insurance Policy must also enable their employees to extend their health coverage temporarily; called Cobra.  An Alaska Cobra Insurance is typically available for a time period under 18 months.   In Alaska you are given 60 days to decide if you are going to take Alaska Cobra Insurance or not.  Once you have passed on the opportunity to take Cobra, you are not eligible to receive it.

 

Cobra Insurance was introduced in 1985.  Cobra stands for Consolidated Omnibus Budget Reconciliation Act.  If you would like more information about your Cobra Insurance options please contact your companies HR department.

 

Often employees are surprised at the cost of an Alaska Cobra Insurance policy.  The reason for this is that they are now responsible for 103% (100% of the premium plus a 3% administration fee) of a monthly health insurance premium when they probably only paid 20% while employed. 

 

Whether nor not to take Cobra is an important question, and you should realize there are alternatives to an Alaska Cobra Insurance Policy.  One should realize what they plan to do in the future.  If you are looking for another job, and it will be a few months before you get a job, it might make sense to look for an Alaska Temporary Health Insurance Plan.  If you are contemplating working at a consultant, it would be in your best interest to look into an Alaska Self Employed Health Insurance Policy.   

 

 

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