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More than 108,032 people in Alaska have signed up for Medicaid as of 2022. Alaska has the third-smallest population in the country, but it also has the fewest people eligible for Medicare coverage. Medicare beneficiaries make up roughly around 14 percent of Alaska’s entire population, while Medicare enrollees make up around 19 percent of the overall US population.

Given that Alaska has the lowest percentage of people 65 and older in the United States, this is understandable. However, the Alaska Commission on Aging noted that 2017 marked the seventh year in a row that the state had the fastest-growing population of 65-and-older residents in the US.

Most Alaskans are eligible for Medicare at the age of 65. However, those who have been receiving disability payments for at least two years or have been diagnosed with amyotrophic lateral sclerosis (ALS) or kidney failure are also eligible for coverage.

In the United States, 84% of Medicare recipients are eligible because they are 65 years old or older, while the other 16% are eligible because of a physical or mental disability. In Alaska, 86% of Medicare beneficiaries are eligible because they are elderly, while 14% are eligible because they have a disability.

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Medicare Options in Alaska

Original Medicare

Part A and B fall under Original Medicare. Part A covers hospital insurance. This includes inpatient hospital care, hospice care, certain skilled nursing facilities, and some home healthcare.

Part B is essentially medical insurance. Outpatient care, durable medical equipment, and in-home care are all included in this plan. It also covers some preventive care, such as immunizations and screenings, to keep you healthy and prevent illnesses from worsening.

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Medicare Supplement Plans or Medigap

If you’re on original Medicare, private insurance companies’ Medicare supplement plans (Medigap) can help you cover costs like copays and coinsurance. You cannot pair a Medigap plan with an MA plan.

There is no out-of-pocket limit for Original Medicare. You’ll be required to pay a Part A deductible for each hospitalization, a yearly Part B deductible, and a year-long co-insurance payment for Part B care.

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Comparing Medicare Advantage Plans in Alaska

Roughly 21.3 % of Alaskans are enrolled in Medicaid and 10% is covered by Medicare. It is important to choose the right plan that suits your budget and needs. Consider the following factors when comparing Medicare Advantage plans in your area:

Provider Network

Keep costs down by making sure your hospital, doctors, and pharmacies are all in the same network.

Monthly Premium

This is on top of your monthly Part B premium, so it has an impact on your monthly budget. Whether you use your benefits or not, you still have to pay it. Make sure you have at least one plan with affordable drug coverage and minimal to no premium in your area.

Drug Coverage

Each time you get a prescription, check to see if your medication is on the plan’s formulary and what their cost is. You can discuss with your doctor about a generic or alternate version of the medication you require.

Out-of-Pocket Max

For Medicare-covered services, this is the most you’ll have to pay if you adhere to the plan’s in- and out-of-network coverage guidelines and do not exceed the premium, deductible, and medication costs.

Deductibles, Coinsurance & Copays

Often referred to as cost-sharing, you are responsible for these costs when you use your benefits. Find out how much your insurance covers for doctor’s appointments, treatments, services, and prescriptions.

Freedom to Travel

Do you want to be able to keep your benefits when you travel domestically? Keep in mind that with Medigap insurance, you’ll be able to get treatments no matter where you travel. Medicare Advantage plans, on the other hand, often have a network but cover emergency and urgent care anywhere in the country.

Extra Benefits

Think about the additional benefits that are crucial to your situation.You might require hearing and vision benefits, or other targeted services. To get more comprehensive coverage, you may have to pay a premium if your plan requires you to use only network providers.

Medicare Eligibility

To be eligible for Medicare, you must be 65 years of age or qualify for disability. To qualify for Social Security Disability Insurance or Railroad Retirement Board benefits, you require a 24-month-long medical condition that renders you eligible for payments.

Your chances of becoming eligible increase if you have an incurable illness like end-stage renal impairment or ALS.

A close-up of hands signing a document.

Medicare Enrollment in Alaska

If you have started collecting Railroad Retirement Board or Social Security benefits at least four months before your 65th birthday, Medicare will sign you up automatically. Otherwise, you’ll have to apply for benefits online or reach out to your local Social Security office.

Enrollment in Medicare is openduring the following time frames:

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Why Trust the Medicare Insurance Agents at Integrity Now Insurance?

Medicare Insurance Agents at our company are certified annually by a national certification body called America’s Health Insurance Plan (AHIP). You can rely on our guidance when it comes to your Medicare Insurance needs.

Your best interests are our only concern as independent Medicare insurance agents. We help you compare quotes and select the Medicare insurance plan that both within your budget and the best fit for your specific situation.

New Medicare insurance companies and plans enter the market every year. Existing plans can also see additions or reductions to their list of benefits. To save you time, we monitor all these developments for you.

a medicare insurance agent talking to an elderly couple

What Makes Medicare Hope Insurance Agents Special?

Since we are an independent Medicare insurance agency, we have access to all of Alaska’s Medicare insurance providers. Our independence allows us to make fair suggestions on which Medicare insurance provider might be the best fit for you.

We offer our assistance free of charge, raising the question of how Medicare insurance agents get paid. When we place you with a Medicare insurance company, we are compensated by that company.

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