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Alaska health insurance
If you are a resident of Alaska and are looking for a suitable health insurance plan, there are a number of options you can try. Health insurance is an essential need for every individual. It helps you take care of your health and prevents financial losses in the future. On this page, we provide you with all the details your need before going for a plan.
Individual health insurance in Alaska
There is a limited access to guaranteed plans in Alaska. The carriers may design different plans with different benefit levels and costs. For this reason, it is very important for you to compare and read up the plans before you go for one. Any condition for which you received treatment, care or a diagnosis may be treated by the carriers as pre existing. These can also determine the premiums you pay and other benefits you enjoy. However, you do get a guaranteed renewability with the plans you buy. This means that the carrier cannot refuse coverage to you if you fall ill after paying all your premiums. If you cannot secure insurance from a private carrier, you can avail of the income schemes by the government.
As an individual looking for health insurance in Alaska, you have the following options when you are trying to secure insurance:
Group health insurance in Alaska
Group health insurance is something you secure from your employer. You can also get access to it through a professional group or association you are a member of. The rates charged may be plus or minus 35% of the total indexed rate. The carriers may look back for a period of 6 months in your medical history and impose an exclusionary period of 12 months on you.
Coverage under COBRA
Laws under the Consolidated Omnibus Budget Reconciliation Act of 1985 are applicable in the state of Alaska. According to this law, a company that is employing more than 20 people is obligated to continue covers for an employee who is no longer employed with the company. The covers also have to be extended to his family.
Alaska Medicaid plans
Medicaid plans are also offered in the state of Alaska. Under this state and federal sponsored program, health plans are offered to people who have a low income, are pregnant, disabled or residents of nursing homes. Some of the people receiving Medicare are also eligible for this program. Plans are offered to these individuals, always providing that they meet certain income requirements.
Alaska also offers the Denali Kid Care children’s health insurance program. Under this program, health insurance is provided to children below the age of 19, provided they meet certain income criteria. They must also be residents of Alaska and have a social security number. Also, they may not be blind, disabled or receiving health insurance through an employer.
Alaska also offers the chronic and acute medical assistance (CAMA) program for residents of Alaska. It helps residents secure help for specific illnesses. The age group covered is between 21 and 64 and is offered to people who are not eligible for Medicaid, have no health insurance or very little income.
Easy Quotes from the Top Alaska Health Insurance Carriers
Our service is the best way for you to secure the most suitable Alaska health insurance quote for yourself. Through our service, you can get quotes on health insurance from the top health insurance carriers. This includes- American Medical Security, American Family Insurance, Anthem Blue Cross Blue Shield, Assurant Health, Fairmont Specialty Group, Celtic, Midwest Security, Golden Rule, Security Life and UNICARE and many more.
An easy, fast and free way to find Alaska Health Insurance
If you have always wanted a fast and easy way of securing insurance, this is it. The only thing you have to do is to fill in a simple form with your information. This will be kept confidential and will be used only to provide you with medical insurance quotes. As soon as you complete this form, you will receive instantaneous quotes from the top carriers. If you want, you can buy the plans online also. We will also put you in touch with licensed local agents in your area who will assist you in every way before you can purchase a plan.
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