Not everyone in Alaska has access to health care services. That’s why HealthQuoteInfo is here to help you find the health insurance coverage you need for your particular situation and budget. One way to find affordable health insurance is to enter your zip code into our search bar. You’ll then get a list of health insurance plans available for your location.
As a resident, you can get Alaska health insurance through various means. You can avail of private health insurance from firms such as Aetna and Cigna PDP. You can also obtain health insurance coverage from your employer or various state programs.
Medicaid & Low Income Health Insurance Alaska
The federal government may have created Medicaid, but the state administers it. It’s a program designed to pay for medical services for low-income families who cannot afford regular insurance. Alaska residents can qualify for the program if they meet the requirements, including having an income and having assets that don’t exceed a certain level.
Initially, it was meant to cover the payment for health care services for people who were unable to work. These included single-parent families, the blind and disabled, and the aged.
Today, Medicaid in Alaska can cover children and pregnant women, with higher income ceilings and without asset limits. Families with unemployed parents may also qualify. Families that have parents returning to work can have their coverage extended for a year.
Those who need nursing home care but cannot afford the expense can qualify for this program. People who need constant care can also get the chance to receive the same service in their own home.
CAMA stands for the Chronic and Acute Medical Assistance Program. It’s funded by the state of Alaska, and it’s meant to assist Alaska residents with specific medical conditions so that they can get the medical care they need to manage these conditions. It is available for adults from ages 21 to 64. Eligible adults do not qualify for Medicaid benefits, have inadequate or no health insurance, and have very little income.
According to the current standards, your household income should not exceed $300 if you’re alone. This ceiling goes up by $100 for every person in the household, so it is $400 for a couple and $500 for a couple with a child.
You must also have less than $500 in countable resources (personal property and bank accounts) that can be used to pay your medical bills.
The CAMA program can help you if you qualify with the requirements and you have a terminal illness or a type of cancer that requires chemotherapy. It can also help you if you have chronic conditions such as hypertension, mental health issues, seizure disorders, or diabetes.
The coverage can pay for physician services, prescription drugs and medical supplies, and chemotherapy services.
This is a “last resort” program, and this means that you can’t qualify for CAMA if you have another resource that can cover the cost of the treatment for your medical condition.
Denali Health Care
Denali Health Care is Alaska’s version of the Children’s Health Insurance Program (CHIP). It expands the Medicaid program to help make sure that children and teenagers can have the health coverage they need.
To find out if you and your children are eligible for the program, you can always apply online. However, certain guidelines can indicate if you and your household are eligible. In general, children with other health insurance can also be eligible if the household income is 177% or less of the federal poverty guidelines for Alaska. Children with no health insurance can qualify if the household income is within 203% of the FPG. Pregnant women can also qualify, whether or not they have health insurance. Their household income must be 200% or less of the FPG.
This is the Alaska Comprehensive Health Association, and its function is to provide health insurance for those who have been denied coverage due to high-risk medical conditions.
To qualify, you have to be a resident of the state of Alaska, and you have been rejected at least once by a private insurance carrier within the last six months. There are also numerous eligible medical conditions that can get you enrolled in the program. These include HIV/AIDS, Alzheimer’s, Ulcerative Colitis, and Wilson’s disease.
You can call the ACHIA hotline for assistance, though we at HealthQuoteInfo can also help you find out if you’re eligible.
COBRA Coverage in Alaska
Small businesses can also get group health insurance if they have two to 50 employees. However, insurance carriers can still impose requirements regarding preexisting medical conditions. Carriers can check the medical history of each employee over the last six months, and those who do not have prior medical coverage may be excluded for 12 months.
The state also offers COBRA protection, which stands for the Consolidated Omnibus Budget Reconciliation Act of 1985. This requires businesses with at least 20 employees to extend health coverage for former employees and their dependents.
Alaska Open Enrollment 2019 & Alaska Obamacare Insurance
The Alaska Open Enrollment period for health insurance in 2019 will run from November 1st, 2018 to December 15th, 2019.
For all your other questions regarding health insurance in Alaska, please do not hesitate to give us a call at 1-855-881-0430. We stand ready to guide you so that you can get the health insurance coverage you need and deserve.