Benefits 2023-24
Medical Plan Options for 2023-24
There are four plan options available for an eligible political subdivision to select from, for their employees and family members. The current insurance carrier for the medical, pharmacy, dental, vision and audio benefits is Aetna.
The Plan Summaries provide a high-level overview of the benefits for each plan. All plans are comprehensive in nature but vary on key provisions such as deductibles, coinsurance (reimbursement amount) and out of pocket (coinsurance) limits.
Current Plans (Effective July 1, 2023)
Dental, Vision, and Audio Benefits
| Plan | Medical Plan Summary | Plan Booklet |
|---|---|---|
| Plan II | Medical Plan Summary (PDF) | Plan Booklet (PDF) |
| Plan III | Medical Plan Summary (PDF) | Plan Booklet (PDF) |
| Plan IV -- High Deductible Health Plan | Medical Plan Summary (PDF) | Plan Booklet (PDF) |
| Plan V | Medical Plan Summary (PDF) | Plan Booklet (PDF) |
Addendum for Plans IV and V (PDF)
Aetna's Alaska Appeals and Complaint Health Riders
Click on the links below to view the Appeals and Complaint Health Riders. Medical and Rx (PDF)
2023-24 Summaries of Benefits and Coverage
Life and Disability Insurance
Contact Division of Retirement & Benefits at 1-800-821-2251 regarding Life and Short & Long Term Disability Insurance questions.
Plan Premium Costs
The current premiums for the different plans are shown in the premium exhibit. Premiums are subject to change, generally in July of each year.
Premium Costs (Effective July 1, 2023)
Application Process
An eligible governmental unit must submit two copies of the Participation Agreement and a certified copy of a resolution approved by the governing body to the State of Alaska. Following receipt of the necessary documents, the administrator will review the application to determine if participation may be approved.
Submissions should be mailed to:
Attention: Andrea Mueca
State of Alaska
Division of Retirement & Benefits
PO Box 110203
Juneau, AK 99811-0203
Please note the Participation Agreement (PDF) contains the following provisions:
- A provision for an effective date which must be the first day of a month.
- Authorization for health plan participation for a minimum of 2 years.
- Authorization for payment for all required premiums.
- An agreement to pay premiums in accordance with the terms set by the plan administrator.
The Employer's Responsibility
Employers are required to:
- enroll each eligible employee and, if desired, their dependents,
- collect any employee premiums,
- report the eligible members to the insurers monthly along with remittance of premiums, and
- provide coverage continuation administration for terminated employees or dependents.
The governmental unit may either pay the entire cost of the insurance for its employees and their eligible dependents or share the cost with the employees.
Minimum Employer Contribution Requirements:
- Permanent Full-time employees– The minimum employer contribution is 50% for employee and dependent premiums, but cannot be reduced by more than 10% from the prior year.
- Permanent Part-time employees– The minimum employer contribution is 50% of the employee's premium, but cannot be reduced by more than 10% from the prior year. The employer determines the contribution level for dependent coverage.
Who Is Covered?
If your entity participates, coverage is mandatory for all eligible employees and optional for their dependents.
The following employees are eligible for coverage:
- Permanent full-time employees that work at least 30 hours a week on a regular basis must be enrolled. Coverage becomes effective on the 31st consecutive calendar day following date of hire.
- Permanent part-time employees that work at least 15 hours a week, but less than 30 hours, on a regular basis may elect to participate. If elected, coverage becomes effective on the 31st consecutive calendar day following date of hire.
- Elected officials who receive a salary. Coverage becomes effective upon taking the oath of office.
Eligible dependents include the following:
- Employee's spouse or same-sex domestic partner.
- Dependent children who are under the age of 26.