Know your options for Medicare Advantage Plans in Alaska and find out how to enroll.
TABLE OF CONTENTS
Medicare Advantage Plans, also known as Medicare Part C, are designed to be all-in-one alternatives to Original Medicare. MA Plans provide the same coverage as Parts A and B, but are offered by private insurance companies.
Since Medicare Advantage Plans are offered by private insurance companies, the coverage, costs, and additional benefits offered can vary. For instance, MA Plans frequently include additional benefits like prescription drug coverage and may even provide benefits Original Medicare doesn’t offer, such as hearing, vision, and dental.
The plans available also vary by location. Different county residents may have access to a different selection of plans. This is why it’s important to research the plan options available in your area to ensure you get the best Medicare Advantage Plan available in Alaska.
Compare ratings of insurance companies offering Medicare Advantage Plans in Alaska:
You have choices in Medicare coverage. While you can opt to stick with Original Medicare, a Medicare Advantage Plan – also known as Part C – may be a better alternative for you.
|Original Medicare||Medicare Advantage Plans|
|Original Medicare covers your Part A hospital insurance and Part B medical insurance.||Medicare Advantage Plans combine Part A, Part B, and additional benefits.|
|You can add Part D prescription drug coverage.||Prescription drug coverage is usually included.|
|You’re able to use any medical provider in the U.S. that accepts Medicare.||You’ll usually need to use doctors in your plan’s network.|
|You can buy supplemental coverage to manage out-of-pocket costs, including your coinsurance.||Your Medicare Advantage Plan may have lower out-of-pocket costs than Original Medicare.|
|Vision, hearing, dental, and other benefits aren’t covered.||Your plan may offer additional benefits, including vision, hearing, and dental.|
Medicare Advantage Plans cover benefits from Original Medicare Part A (hospital insurance), Part B (medical insurance), usually Part D (prescription drug coverage), and sometimes additional benefits that Original Medicare doesn’t cover. Each Medicare Advantage Plan insurer sets the rules about how you receive and pay for these benefits.
|Hospital and skilled nursing facility inpatient care||Home health care||Prescription drug coverage (if included in your plan)|
|Medically necessary outpatient services, such as:
||Preventive services, such as:
||Additional benefits (depending on your plan), such as:
With 2 Medicare Advantage Plans available in Alaska, choosing a plan shouldn’t be too complex. To help you choose the best plan for you, consider what is most important to you before selecting a plan. There are several factors to keep in mind:
With only 22% of Alaska residents choosing a Medicare Advantage Plan, Plan C isn’t as popular in the state as it is elsewhere in the country. This may be because there are fewer plans available in Alaska than in many other states, but these plans are still an option worth exploring.
|Number of Medicare Advantage Plans available||Medicare Advantage Plan types available||Medicare Advantage Plans rated 3.5 or higher by NCQA|
In Alaska, the most common Medicare Advantage plans available are HMOs or PPOs, although there are also a few SNPs and regional PFFS plans available. Seniors eligible for Medicare may choose from plans provided by multiple private insurers, although the choices available vary by county.
|HMOs||HMOs typically require that you receive all services from in network providers:
|PPOs||PPOs include a preferred network of providers, but you have the option of choosing doctors or hospitals from outside of the network for a higher cost.
|PFFS Plans||PFFS plans don’t require a primary care physician or referrals for specialists:
|SNPs||SNPs are only for people with specific conditions and characteristics, and include care coordination and targeted benefits tailored to meet your specific needs:
You’re eligible for Medicare when you turn 65 or if you’re younger and have a qualifying disability. A qualifying disability means at least one of the following applies:
When you become eligible for Medicare, you are also eligible for Medicare Advantage Plans. There are specific times of the year when you can enroll for the first time in a Medicare Advantage Plan: during your Initial Enrollment Period and the Open Enrollment Period.
Medicare Advantage Open Enrollment occurs between January 1 and March 31 of each year. This period is only for beneficiaries already in a Medicare Advantage Plan, and you can change plans or switch to Original Medicare. You cannot switch from Original Medicare to Medicare Advantage during Medicare Advantage Open Enrollment.
There are exceptions to these enrollment periods called Special Enrollment Periods. Certain events or circumstances may make you eligible to change your Medicare Advantage Plan outside of the open enrollment periods, such as if you move outside of your existing plan’s service area or to a location with new plan options you didn’t have before. If you think you may qualify for a Special Enrollment Period, call 1-800-MEDICARE and explain your situation.
|Enrollment period||When it happens||Medicare plans you can choose||What you can do|
|Initial Enrollment Period||Three months before you turn 65, the month you turn 65, and three months after||Medicare Part A, Part B, Part D, Medigap, or Medicare Advantage Plan||Sign up for Medicare Part A and Part B. Complete your Part B enrollment to avoid a late enrollment penalty.|
|General Enrollment Period||January 1 to March 31||Medicare Part A, Part B, Part D, Medigap, or Medicare Advantage Plan. If you enroll in Medicare during this period, your MAP enrollment is April through June.||Sign up for Medicare if you missed your IEP|
|Open Enrollment Period||October 15 to December 7||Medicare Part A, Part B, Part D, Medigap, or Medicare Advantage Plan||Join, switch, or drop a plan|
|Medicare Advantage Open Enrollment Period||January 1 to March 31||Medicare Part A, Part B, Part D, Medigap, or Medicare Advantage Plan||If you’re enrolled in a Medicare Advantage Plan, you can change your plan or switch to Original Medicare|
|Special Enrollment Period||When you have a qualifying event||Medicare Part A, Part B, Part D, Medigap, or Medicare Advantage Plan||Make changes to your plan|
Most Medicare Advantage HMO and PPO plans and all SNP plans provide prescription drug coverage like you would get from Medicare Part D. Some PFFS plans may provide prescription drug coverage, but not all do. Evaluate a plan’s prescription drug coverage when deciding which Alaska Medicare Advantage Plan to use.
Prescription drug coverage may vary by cost, coverage, and convenience among Medicare Advantage Plans. Your monthly premium may include a premium for the drug coverage in the plan. There is usually a copayment or coinsurance amount that you have to pay for each prescription after you reach your annual deductible.
Some plans use different cost tiers with different costs for different drugs. For instance, you may pay less for generic drugs than brand-name drugs or less for brand-name drugs within different tiers. If your plan uses tiers, the formulary will list all covered drugs and their tiers. Verify your preferred or local pharmacies are included in the plan’s network.
|Resource||Contact||How they help|
|Alaska State Health Insurance Assistance Program (SHIP)||(800) 478-6065||The Alaska State Health Insurance Assistance Program (SHIP) is staffed by volunteers who offer one-on-one counseling to seniors who are considering Medicare Advantage plans. Advice is available to help them choose the most suitable plan, take full advantage of the benefits available to them, and avoid common pitfalls. All advice is impartial and provided free of charge.|
|Alaska Senior Medicare Patrol (SMP)||(800) 478-6065||The Senior Medicare Patrol (SMP) in Alaska is run by retired senior volunteers who are members of Medicare plans themselves. This puts them in the perfect position to assist fellow seniors and help them avoid Medicare abuse, fraud, and billing mistakes. From helping members understand their latest Medicare Summary Notice to informing them of the latest scams, Senior Medicare Patrol provides a useful free resource to Alaskan seniors.|
|Alaska Human Services – Medicare||(800) 478-6065||A link that provides service information related to Medicare, including eligibility, fraud reporting, and assistance with premiums|
|Alaska Insurance Department||(907) 269-7900||The main page for insurance issues for Alaska residents, including MAP issues|
|Alaska Insurance Department – Medicare Advantage||(907) 269-3680||Provides Alaska residents with quick answers related to the Medicare Advantage program|
|Alaska Commission on Aging||(800) 478-2221||Alaska’s Commission on Aging works to ensure the independence of the state’s seniors and help them with planning, advocacy and education.|
|Aging and Disability Resource Center (ADRC)||(907) 343-7770||Anchorage’s Aging and Disability Resource Center can connect you with trained and certified specialists to help navigate Medicare programs and answer questions.|
|Resource||Contact||How they help|
|Anchorage Senior Activity Center – Medicare Information Office||(770) 2070||This is a link that provides contact information for local medicare counselors in the Anchorage area who can help you with enrollment, choosing a plan, understanding bills and claims and more.|
|Kenai Public Health Center||(907) 335-3400||The Kenai Public Health Center serves Kenai and the subregion. Services include a public health clinic.|
|Anchorage Senior Center||(800) 478-6065||Anchor-Age Center is a nonprofit organization that was founded to enhance the quality of life for Alaskan seniors. In addition to the activities and social interactions on offer at the center, the facility also provides free Medicare counseling. Volunteer counselors are on hand to assist with a wide range of Medicare topics, including assistance with Medicare enrollment; questions about Medicare billing, errors, and fraud; and how to apply for help paying for premiums and prescription drugs.|
|Resource||Contact||How they help|
|American Hospital Association – Medicare Advantage||1-800-424-4301||The AHA provides education for health care leaders and is a source of information on health care issues and trends.|
|CMS.gov – Medicare Advantage Applications||N/A||This page provides important information on the application process for Part C Medicare Advantage plans.|
|Medicare.gov – Medicare Advantage Plans||1-800-633-4227||This government website provides information on the Medicare Advantage program.|
Tammy Burns is an experienced health insurance advisor. She earned her nursing degree in 1990 from Jacksonville State University, obtained her insurance billing and coding certification in 1995, and holds a health and life insurance license in Alabama, Georgia, Iowa, Mississippi, and Tennessee. Burns is Affordable Care Act (ACA)-certified for health insurance and other ancillary, life, and annuity products. She maintains an active nursing license and practices private-duty nursing.
Burns’ background as a nurse, insurance biller and coder, and insurance consultant includes infectious disease, oncology, gynecology, phlebotomy, post operative, family medicine, geriatrics, home health, hospice, human resources, management, billing, coding, claims, fixed annuities, group and individual health and life products, and Medicare. She’s always been driven by a desire to help people, spending more than 25 years as a practicing nurse in hospitals, private doctors’ offices, home health, and hospice. As a nurse, Burns supported patients filing insurance claims with Medicare, Medicaid, and private insurance companies as well as responding to billing questions from confused patients.
Seeing firsthand how unsuspecting patients are frequently confused by an overly complex system they don’t understand led Burns to become an insurance agent and health care consultant, now helping people understand the medical system. Since becoming an insurance agent in 2013, she has worked with some of the largest and most reputable insurance carriers and agencies in the nation, and she has built a large and loyal clientele by way of her commitment to transparency and personalized service.