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Alaska Medicare

Alaska Medicare Health Insurance

Original Medicare, supplied by the Federal government, only covers basic needs and services. Medicare offer Medicare Supplement plans and Medicare Advantage plans to helps cover services that Original Medicare does not. Alaska Medicare Supplement plans help to cover Part A and Part B. They are standardized by Medicare but provided by private health insurance carriers. To be eligible for a Medicare supplement plan in Alaska, you must be eligible for Medicare and be a Medicare Plan B policy holder.

Another option for Medicare is a Medicare Advantage Plan, or Plan C. Medicare Advantage plans are provided by private health insurance companies and help to cover Part A, Part B, and Part D. If you have an Alaska Medicare Advantage Plan you do not need to buy a Medicare Supplemental Plan (or Medigap).

Medicare Health Insurance Providers

How do I choose the Alaska Medicare health plan that’s right for me?

As with any purchase, there are many things you need to consider when shopping for an Alaska Medicare Health Insurance plan. Evaluate the benefits you want and need out of your Alaska Medicare Health Insurance plan. Some things to think about are:

  • Annual Deductible
  • Monthly premium
  • Prescription drugs
  • In-network physicians and hospitals
  • Hospitalization expenses
  • Skilled Nursing Coverage
  • In Home Recovery
  • Preexisting conditions

Medicare Health Insurance Plans

Medicare is classified into four different categories.

  • Medicare Part A: Part A covers Hospital Insurance and gives financial assistance for inpatient care. Part A also partially covers skilled nurses, hospice, and home health care under certain conditions.
  • Medicare Part B: Part B covers necessary medical services such as outpatient care and doctor services. Some preventative care is also covered to maintain your healthy status and minimize the chances that other illnesses might become more severe.
  • Medicare Part C: Part C is a Medicare Advantage Plan. It combines Part A and Part B and in some instances, it also combines Part D. Medicare Part C plans are privately managed by insurance companies approved by Medicare. The plans cover necessary medical services, although, these plans have co-payments, coinsurance, and deductibles that can vary.
  • Medicare Part D: Part D provides assistance covering prescription drugs. The coverage will vary depending on the plan, but it may help lower your prescription drug costs and help prevent high costs in the future.