Alaska Medicare Insurance Plans
Medicare is a federally sponsored health insurance program available to those over the age of 65, as well as to individuals who have certain disabilities. At the state level, however, there exist specific organizations that help beneficiaries better understand the Medicare process, and Medicare recipients may even qualify to receive state subsidies, depending on their circumstances. Consider the following information if you are interested in obtaining Medicare coverage in the state of Alaska.
Medicare beneficiaries in Alaska have different plan options to choose from, you may want to compare Alaska Medicare insurance plans to find a plan that offers the coverage you need. Plan availability and cost may vary depending on where you live in Alaska and which companies offer those plans, but you might have one or more of the following options:
- Original Medicare (Part A and Part B): If you are age 65 or older, or younger with a qualifying disability, or you have ESRD, then you are eligible to enroll in Original Medicare in Alaska, which covers the cost of medical and hospital care.
- Alaska Medicare Advantage Plans: These plans cover at least the same benefits as Original Medicare, with the option for additional benefits, such as prescription drug coverage or vision care.
- Alaska Medicare Prescription Drug Plans (Part D): Part D plans help with the cost of your prescription drug coverage and can be paired with Original Medicare coverage.
- Alaska Medicare Supplement Insurance Plans: These pay for costs, such as plan premiums and deductibles, that are not covered by Original Medicare.
Alaska Medicare Savings Programs
*The following data is from 2017 and is based on federal amounts. If your income and resources are slightly higher, you should still apply, you may qualify for benefits even if your income is higher than the limits listed.*
- *Qualified Medicare Beneficiaries (QMBs): The state pays all Medicare Part B premiums and Part A and Part B copayments and deductibles for individuals with a monthly income under $1,257 and couples with a combined income under $1,689 per month.
- *Specified Low-Income Medicare Beneficiaries (SLMBs): The state pays the Medicare Part B premiums for individuals with a monthly income under $1,504 and couples with a combined income under $2,022 a month.
- *Qualified Individuals (QIs): The state pays for Medicare Part B premiums for individuals with a monthly income under $1,690 and couples with a combined monthly income under $2,273.
- *Qualified Disabled and Working Individuals (QDWIs): The state pays for Medicare Part A premiums for individuals with a monthly income under $5,032 and couples with a combined income under $6,759 per month.
*Data from ssa.gov
According to ssa.gov, you should be aware that several States may even disregard all resources for individuals or couples in certain categories.
Alaska State Health Insurance Program (SHIP)
Confused about all of your options for Alaska’s Medicare Plans? The Alaska State Health Insurance Assistance Programs (SHIP) and Senior Medicare Patrol (SMP) can help answer any questions you might have about all aspects of Medicare. SHIP provides personalized counseling to help beneficiaries better understand and use their Medicare benefits, while SMP provides education on how beneficiaries and their families can spot and report Medicare fraud and misuse. Contact SHIP in Anchorage toll-free within Alaska at 800-478-6065 or email firstname.lastname@example.org.