Introduction: As of fiscal year 2005-2006, in Alaska, the percentage of population that is uncovered by any medical insurance coverage is much below than the national average. With an aim to let the Alaskans make use of the health insurance plans of their state, we've offered a useful abstract below. The abstract includes a list of Alaska Health Insurance Plans along with qualifying criteria and offered benefits. Obligatory regulations for the health insurance providers in Alaska who provide insurance to small and medium employers are also included.
16.9% of the total number of Alaskans was not covered by any health insurance plan; as stated in a report produced by United States Census Bureau Population Survey (2005 - 2006). The percentage is quite lower than the nationwide average of 20%.
Some important Rules and Regulations for Alaska Health Insurance companies that offer insurance coverage to small and medium sized employers
As per Alaska Division of Insurance and State Laws, insurers that provide health insurance coverage to the small and medium sized employer groups:
- May not refer qualifying criteria to claims history, medical record, fitness status, genetic information, acceptance of healthcare, disability, any proof of insurability and any sort of genetic information.
- Ought to carry on coverage renewal, provided there is no premium non-payment or fraud premium.
- Must decrease the exclusion period for any pre-existing health condition by the duration of time the consumer was actually covered under previous medical insurance plan. However, there are some exceptions. Sometimes it happens that a consumer, during transition in jobs remains uncovered for 90 days and more. In such cases, the insurance provider needs not to lessen the waiting period by that duration of time; the customer was covered by any medical insurance coverage before that 90 days' breakage in coverage.
- May not need an exclusion period, which is longer than 1 year for any pre-existing health condition that was already there before the commencement date of that particular health insurance coverage. Genetic information and pregnancy are however not considered as pre-existing health conditions by most of the insurers.
- Have liberty to avert any applicant on the basis of “uninsurable” criteria. However, it can not be so; in case of applicants those apply for health insurance coverage through an employer.
- Must to have a provision for guaranteed renewal; so that each and every customer can renew their medical insurance coverage, accordingly; unless and until they void the agreement.
- Can fix the medical insurance costs, depending on several factors like age, health status & condition, risk by reason of perilous careers.
The insurers have to pursue the above-mentioned must-to-follow rules, strictly. Besides, they enjoy some relaxations, too from Alaska Division of Insurance and State Laws. In Alaska, the types of personal medical insurance plans get varied from insurer to insurer.
Alaska Health Insurance providers have no financial responsibilities towards the Elimination Riders under specific circumstances. Although, Elimination Riders are so common in Alaska Health Insurance, but they are qualified for personal health insurance policies, only and are not eligible for group insurance plans.
Alaska Health Insurance Plans
Some important Alaska State Health Insurance plans are discusses below.
The Alaska Comprehensive Health Insurance Association (CHIA): The Alaska Comprehensive Health Insurance Association (CHIA) is specifically designed for those people who get qualified as “uninsurable” owing to chronic health conditions. This is a high-risk pool to which a pre-existing health condition exclusion period may be relevant. The Alaska Legislature introduced this program in 1992 to provide health insurance coverage to the uninsurable customers that have been rejected by no less than two insurance companies. However, they should have certain health conditions as well as qualify other important criteria to enjoy health insurance coverage via CHIA.
People, entitled as Federally Defined Individual or qualified under The Trade Adjustment Assistance Reform Act (TAA) of 2002, are also eligible to have health insurance coverage though CHIA.
To be qualified as a Federally Defined Individual, a person should meet the below-mentioned criteria
Alaska Medicaid and Chronic Acute Medical Assistance (CAMA): CAMA is a state-aided program which is designed to help the income-eligible residents of Alaska; especially those who are suffering from certain health conditions and in need of managing them. Anyone between the ages of 19 and 64 is eligible for this plan; provided the person is not qualified for Medicaid benefits and has too little or almost no medical insurance coverage. Moreover, he should belong to lower-income group to qualify for and enjoy the benefits of CAMA.
Denali KidCare: Alaska's state children's health insurance program (SCHIP), Denali KidCare is particularly designed to provide health insurance coverage to the children through age 18 as well as pregnant women who meet income guidelines.
Health Coverage Tax Credit (HCTC)
Pension Benefit Guaranty Corporation (PBGC)
Breast and Cervical Cancer Health Check Program
- The individual should be a resident of Alaska
- His previous health insurance coverage was under a group insurance plan
- The individual must had a health insurance coverage of no less than 18 months; without 90 days or more breakage in coverage
- The individual elected and exhausted any COBRA coverage
- His previous health insurance coverage was not dropped due to premium failure or fraud payment
- The individual is not entitled for any other health insurance coverage
- The individual is not covered under any health insurance coverage, currently.
Health Insurance Organizations in Alaska
Below the list of the top-rated health insurance providers, as per Alaska Division of Insurance:
- Aetna Life Insurance Company
- Golden Rule Insurance Company
- Mega Life and Health Insurance Company
- Premera Blue Cross Blue Shield of Alaska
- Principal Life Insurance Company
- United HealthCare Insurance Company
For more information on Alaska Health Insurance Plans, you can contact at:
Alaska Division of Insurance
Ninth Floor; State Office Bldg.
333 Willoughby Ave 99801
PO Box 110805
Juneau, Alaska 99811-0805
Phone: (907) 465-2515
TDD: (907) 465-5437
Fax: (907) 465-3422
Robert B. Atwood Bldg
555 W. 7th Ave, Suite 1560
Anchorage, Alaska 99501-3567
Phone: (907) 269-7900
TDD: (907) 465-5437
Fax: (907) 269-7910
Alaska Health Insurance Resources