Premera Blue Cross Blue Shield of Alaska (Premera BCBSAK)
If you are living in Alaska,
over 187,000 of your neighbors already get their
health insurance from Premera (as of 2009). Recently, in October of 2005, Premera
BCBS of Alaska expanded their services to better provide
you with exactly the coverage you want. Additional services
include maternity, higher lifetime maximums, and qualified
HSAs.
Premera’s mission is to provide you with
as much information as possible so that you can make the informed
decision on what is best for you, empowering you to get the
best care possible. Part of their ability to give you relevant
information stems from their recognition that you are unique
and come with a specific set of needs. Premera will work to
satisfy you, whatever your reasons for needing individual
health insurance – and at an affordable price.
PBCBS AK Individual Health Plans
Alaska Value Care 25
Offers a choice from two annual deductibles, a maximum annual coinsurance of $1,500-$2,500 per individual, and savings when you use Heritage network providers who have contracted to accept PBCBS payments. You can see out-of-network providers, but at a higher out-of-pocket expense to you. There is limited office visit coverage but a lower annual premium in this plan.
Alaska Best Care 20
Provides
four deductible options to choose from, 20% coinsurance, and
$5,000 maximum for individuals. The best benefits come when
you choose Heritage network health care providers. There is
a wide range of benefits, including prescription drug coverage.
Alaska Global 50 and Global 20
Both
of these plans have several levels of annual deductible. Global 50 provides
50% coinsurance after the deductible is met, while Global
20 provides 20% coinsurance. There is a wide range of benefits
in both plans.
Alaska HSA 20
Combines with
a high deductible health plan. You have a choice between two
deductibles for the year and will receive the most out-of-pocket
savings by seeking care from network health providers. The
Health Savings Account is a tax advantaged means of paying
for health insurance. You open the account and deposit pre-taxed
money which is used for paying the annual deductible and other
allowable medical expenses. Any unused money is allowed to
remain in the account and grows tax-deferred, similar to an
IRA.
Alaska HSA Rx 20
Comes with
a $1250 annual deductible and coverage similar to the above
plan. The Health Savings Account is the same also.
Temporary Health Care Plans
Provided for individuals only needing health insurance
for a short time, from 30 days to 6 months.
Long Term Care Insurance
Offers
financial help when an extended illness or injury occurs.
The Comprehensive Plan comes with no restrictions on where
the care is provided, whether in your home or at a facility.
The Facility Only plan provides benefits for care in a qualified
facility. The Community Only plan gives benefits when the
person is not in a facility.
Premera BCBS of Alaska
is an independent licensee of BCBS
Association.
Premera Blue Cross Blue Shield of Alaska Office Location
2550 Denali Street, Suite 1404
Anchorage, AK 99503
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