Open Enrollment for the AlaskaCare Health Plan through the Division of Retirement and Benefits occurs every November and is solely for AlaskaCare members. Open Enrollment for the Voluntary Supplemental Benefits (VSB) occurs simultaneously and is open to all employees who are eligible for VSB enrollment.

To review and enroll VSBs, visit the VSB Open Enrollment webpage.

Visit the What Plan Am I In? webpage for a complete list of which bargaining units are associated to which health plans.

Important Documents from 2025

Summary of Benefits and Coverage

• Standard Plan Summary of Benefits and Coverage
• Standard Plan (30% Dependents) Summary of Benefits and Coverage
• Economy Plan Summary of Benefits and Coverage
• Economy Plan (30% Dependents) Summary of Benefits and Coverage
• Consumer Choice Plan Summary of Benefits and Coverage
• Consumer Choice Plan (30% Dependents) Summary of Benefits and Coverage

Premium Sheets

• 2025 Full-Time Employee Select Benefits Premium Sheet
• 2025 Part-Time Employee Select Benefits Premium Sheet

Booklets

• AlaskaCare Employee Open Enrollment Guide
• AlaskaCare Employee Insurance Information Booklet

New in 2025: Enhanced Maternity

Effective January 1, 2025, your AlaskaCare plan is adding the Aetna Enhanced Maternity Program to your health benefits, providing support before, during, and after your pregnancy. In addition to the current maternity benefits covered under the AlaskaCare plan, Enhanced Maternity offers the following:

• Phone-based genetic counseling and screening, as well as convenient, confidential, and cost-effective genetic testing
• Personalized nurse support if you have a health condition or other risk that could affect your pregnancy
• Personalized care and educational resources for improved preeclampsia outcomes
• Fertility advocacy for members struggling with infertility
• Education, resources, and support, including helpful information about:
  • Prenatal care
  • Labor and delivery
  • Postpartum care
  • and much more!

Beginning in 2025, you can enroll in Enhanced Maternity by reaching out to Aetna at (800) 272-3531 (TTY: 711) weekdays from 8 a.m. to 7 p.m. Eastern Time or by visiting the Maternity Support Center on the Aetna member website at aetna.com .

Annual Premiums

The AlaskaCare health plan premiums for the upcoming 2025 plan year will be same as they were in 2024. Premiums are the amount you pay for your health insurance every month. In addition to your premium, you usually must pay other costs for your health care, including a deductible, copayments, and coinsurance.

2025 AlaskaCare Monthly Premiums

• Full-Time Employee Select Benefits Premium Sheet
• Part-Time Employee Select Benefits Premium Sheet

Travel Benefit Reminder

Are you traveling to receive medical services? Your AlaskaCare plan may include coverage for travel related expenses for you and your dependents under certain conditions.

• If you require treatment that is not available locally.
  Covered expenses include round-trip transportation, not exceeding the cost of coach class commercial air transportation, from the site of the illness or injury to the nearest professional treatment.
• If you have surgery or a diagnostic procedure which is provided less expensively in another location.
  If the actual cost of surgery or diagnostic procedure, and all associated costs related to the surgery or diagnostic procedure, including travel, is less expensive than the recognized charge for the same expenses at the nearest location you could obtain the surgery or diagnostic procedure, your travel costs may be paid.
• When you use the SurgeryPlus benefit.
  A SurgeryPlus Care Advocate can help you find a board certified, high-quality surgeon for your non-emergent surgery, set up an initial consultation, schedule your procedure appointments, make travel reservations for you and a companion (if required), transfer your medical records, and coordinate all your surgery bills.
• If you need Transplant Services and are a patient at an Aetna Institute of Excellence and are approved in advance by Aetna.
• If you need Gene Based, Cellular and other Innovative Therapy (GCIT) services and are an Aetna Institute GCIT patient and approved in advance by Aetna.

Travel is a covered expense only in the circumstances set forth in the AlaskaCare Employee Health Insurance Information Booklet. See sections 3.5.25. Travel and section 3.5.26 SurgeryPlus Benefit for more information.

If you have any questions about the travel benefits, or to obtain pre-certification before you or your dependents travel, contact the Aetna Concierge at (855) 784-8646.

Introduction to AlaskaCare Benefits

This enrollment guide outlines the choices available to you under the State of Alaska Select Benefits plan, commonly referred to as AlaskaCare. In addition to enrolling when you are first eligible or during annual Open Enrollment, benefits may be changed within 30 days of a qualified change in family or employment status.

AlaskaCare allows you to create a personal benefit program from a range of benefits and levels of coverage. You can choose from a range of options, including three medical plans, two dental plans and several additional benefits you can elect to participate in. Best of all, you can spend your dollars for benefits that better meet your needs. Here's how it works:

• You consider the monthly cost of each option and decide which benefits to purchase. Use the Health Plan Cost Comparison Tool to help you make an informed decision.
• If you make selections that require a monthly employee contribution, that amount will be taken through pretax payroll deductions. This means deductions are withheld from your pay before federal income taxes are applied. The monthly employee contribution amount is divided in half and deducted from the first two paychecks of each month in equal amounts throughout the benefit year.

The AlaskaCare online enrollment system will automatically calculate your monthly employee contribution amount as you make selections, allowing you to change your choices until you are satisfied with the choices and cost.

Learn about all the plan options on the AlaskaCare Employee Health Plan webpage.

AlaskaCare Benefit Options

You can choose who you cover for each benefit option

You can choose to cover yourself (employee only), yourself and your family (employee and family), or opt-out of medical coverage (waiver of coverage) for the medical, dental, and vision plans independently. For example, you may choose employee and family medical coverage, and employee only dental and vision coverage.

You must elect to opt-out or waive benefits each Open Enrollment period; your waiver will not automatically continue from one benefit year to the next. Limitations to this plan may apply; refer to the AlaskaCare Employee Insurance Information Booklet for greater details about this plan.

AlaskaCare Medical Plan Options

AlaskaCare offers three medical plans to choose from: Standard, Economy, and Consumer Choice. The three options all cover the same services, including pharmacy benefits, but each option has different deductibles, coinsurance levels, copayments (if applicable) and out of-of-pocket maximums. You can choose the plan that is best for you based on what will work best for your family’s needs. Review the AlaskaCare Employee Insurance Information Booklet , the Summaries of Benefits and Coverage at the top of this page, or the AlaskaCare Medical Plans for more information about your medical plan choices.

The low premium, high deductible Consumer Choice medical plan is structured a little differently than the Standard and Economy medical plans. The Consumer Choice medical plan is coupled with a Health Reimbursement Arrangement (HRA) account to help cover your costs before you meet your deductible.

The video below provides an overview of the Consumer Choice option and highlights some considerations you should keep in mind when choosing your medical coverage.

Information on the AlaskaCare Consumer Choice Plan

AlaskaCare Dental Plan Options

AlaskaCare offers two dental plans to choose from: Standard and Economy. These plans cover different services, reimburse different amounts, and have different out-of-pocket maximums depending on the plan you choose. Both plans cover preventive (Class I) services, such as cleanings and periodic oral exams at 100% when you use a network provider, and do not apply the costs to your out-of-pocket maximum.

Learn more about your dental plan choices.

AlaskaCare Vision Plan Option

AlaskaCare offers one optional vision plan to provide coverage for well vision exams, prescription glasses, contacts, and more.

Learn more about your optional vision plan choices.

Choosing your Medical Coverage

There are many things to consider when choosing which Medical Plan is the best fit for your family. Please review the Medical Plans at a Glance section on the AlaskaCare Employee Health Plan webpage and use the Health Plan Cost Comparison Tool to help you make the best decision for you and your family.

Please Note: Premiums are subject to change

With the Select Benefits Health Flexible Spending Accounts (HFSA), you can set aside money to pay for certain health care expenses on a tax-free basis. You must contribute in whole dollar amounts. The contribution amount you elect will be deducted from your paycheck in equal amounts throughout the year.

2025 Health Flexible Spending Account Rates
Minimum Monthly Amount	$25.00
Maximum Monthly Amount	$250.00
Effective: Jan. 1 - Dec. 31, 2025

New Benefits Election Portal for AlaskaCare Employees
The AlaskaCare enrollment portal has a new, updated look. The portal is still accessed through MyRnB, but the process is streamlined and easier to navigate.

Follow these Instructions for Enrolling in Health Benefits Online

1. Log in to myRnB

   Navigate to myRnB and log in using your myRnB username and password

2. Click Enrollment

   On the left-hand side of the dashboard under "Self-Service Tools", click "AlaskaCare Health Benefits Open Enrollment", and accept the terms and conditions

3. Choose Coverage

   Under "Choose Coverage" select "Open Enrollment" and click "Choose Coverage"

4. Verify Dependents

   Here you are able to manage your dependents. If you do not have any dependent changes from the previous benefit year, click "Next"

5. Employment Info

   Coverage reason should say "Open Enrollment," then verify your employment information, do not change populated data, and click "Next"

6. Make Selections

   Select your benefits: Make sure to click on EACH benefit section to make your selections (Medical, Dental, Vision, HFSA tabs). Click "Next" when you have made your selections

7. Review Selection

   Review your benefits: Click "Back" to change your selections or "Submit" to confirm your benefit selections

8. Finish Enrollment

   Congratulations! You have completed your benefit selections and enrollment. When you navigate back to the dashboard, you will see your updated information with your current and future benefit selections

You are all set for your health elections for 2025! Don’t forget to update any VSB elections.

This is a good time to consider updating your beneficiaries for all Retirement and Voluntary Supplemental Benefit accounts.

New Hire Instructions

If you are newly hired, or do not have a myAlaska or myRnB account, the enrollment process has an additional step.

1. Navigate to myRnB and login or create a myAlaska account if you don’t already have one. Once you’ve logged in, follow the link that says "If you wish to enroll for benefits now, please click here."
2. This will take you to your enrollment portal. Please fill out the appropriate "Employment Info" and return to the dashboard.
3. You are now able to select "new hire" and begin your benefit selections following the steps on the previous page.

If you are an AlaskaCare Employee Health Plan covered employee with other medical coverage, you may elect to opt out of or waive coverage for yourself and your family for one or more of the medical, dental, and vision plans offered through AlaskaCare. You may also elect employee-only coverage while opting-out of coverage for your family from one or more of the AlaskaCare benefits.

If you want to waive any component of AlaskaCare coverage, you must elect to waive each component and do so annually during the open enrollment period.

A waiver of coverage for 2024 will not carry over to 2025.

1. While logged into your MyRnB account, with access to the new enrollment portal: click on each benefit selection and navigate to the red opt out button. You must opt out of each election that you do not want to be a part of.
2. Once you have selected which benefits you want to opt out of, click "Next."
3. An opt-out waiver window will appear. You must review the Opt-Out Notice, then agree to the terms and conditions, and continue to the dialog box.
4. Click "Submit", and you have completed the opt out process.

If you chose to opt out of the Medical plan in 2024, and you do not complete the opt-out process during Open Enrollment for 2025, you will be defaulted to the Economy Employee Only Plan or the Economy Employee and Family Plan (if you have active dependents listed).

Remember: you must annually elect to opt-out of coverage.

Still have questions? Check out the Frequently Asked Questions related to the AlaskaCare Employee Open Enrollment. Click the in the bottom left-hand corner of this page or visit the Frequently Asked Questions webpage.

Use the Online Benefits Enrollment portals below throughout the year to review your elections or make changes due to a qualified status change.

Important Links

• AlaskaCare Online Enrollment System (myRnB)
• VSB Online Enrollment System (Benefitfocus)