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Edit by LM 4/22/22 Not Apprvd

AlaskaCare Employee
Open Enrollment

Learn what's new and how to make changes during the annual enrollment for AlaskaCare Employee Health Plan participants and Voluntary Supplemental Benefits for all employees.

Open Enrollment through the Division of Retirement and Benefits occurs every November and includes many participants.

  • AlaskaCare Benefits: For eligible State of Alaska employees who participate in the AlaskaCare health plan to choose medical, dental, and vision benefits as well as to choose to participate in a Health Flexible Spending Account (HFSA).
  • Voluntary Supplemental Benefits (VSB): For any eligible employee of the State of Alaska or participating Political sub-divisions to choose VSB, including Life insurance, Critical Illness, and Disability insurances.

  1. Covered Drugs for : Premium Drug Formulary
    The OptumRx Premium Formulary is a list of medications, pharmacy care products, and services or supplies that have been evaluated by a team of clinical experts and chosen for their safety, cost, and effectiveness. Your AlaskaCare plan covers drugs that are listed on the Premium Formulary, and drugs that are not on the formulary will not be covered effective January 1, 2022. You can review the AlaskaCare Employee Plan Premium Formulary beginning in November. If you have a medical need to use a drug that is not listed on the Premium Formulary, you or your doctor should contact OptumRx at (855) 409-6999 to request an exception. If you are currently taking a medication that is not on the Premium Formulary you will receive a letter notifying you of the change and alternatives to discuss and review with your physician.
  2. Get Moving with Hinge Health!
    Hinge Health can help whether you have chronic or sudden joint pain, are recovering from an injury, or just want more strength and flexibility. Hinge Health offers innovative digital care programs that connect you with a physical therapist or personalized health coach to help you manage musculoskeletal conditions such as back, knee, hip, neck and shoulder pain. Hinge Health’s programs are available at no cost to you and your family members age 18+. You can reach Hinge Health’s Member Care Advocates at (855) 902-2777.
  3. Updated premiums for
    Be sure to review the updated plan premiums effective January 1, .
  4. Behavioral Health Support at Your Fingertips
    Teladoc® now includes behavioral health consultations with a $0 copay. Their board-certified psychiatrists and licensed psychologists, social workers, and family/marriage therapists can help with depression, anxiety, stress, panic disorder, ADHD, schizophrenia, work-related issues, personal issues, and more. You can choose a therapist or psychiatrist who fits your needs and schedule visits 7 days a week, 7 a.m. to 9 p.m., from wherever you are most comfortable.
  5. Access to Anchorage-Area Hospitals
    Providence Alaska Medical Center and Alaska Regional Hospital are both in-network for AlaskaCare Employee plan members. If you receive care in the Anchorage-area, you will save no matter where you go. Network hospitals and facilities have partnered with AlaskaCare to keep your costs low by offering you discounted rates. We've also expanded the network to include more freestanding surgical and imaging centers in the Anchorage area. A larger network means more choice for you!
  6. Remember—You still have great access to high-quality providers at lower costs through the SurgeryPlus network!

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 your paychecks 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.

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.

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 what will work best for your family’s needs. Review the AlaskaCare Employee Plan 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 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. This video provides an overview of the Consumer Choice option and highlights some considerations you should keep in mind when choosing your medical coverage.

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.

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

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 comparison chart, and use Health Plan Cost Comparison Tool to help you make the best decision for you and your family.

For AVTECTA – AK Vocational Teachers (TA), APEA – Confidential (KK), APEA – Supervisory (SS),
ACOA – Correctional Officers (GC), TEAME – Mt. Edgecumbe Teachers (TM),
Employees not covered by collective bargaining (Exempt)
Plan Employee Only Employee & Family
Standard Medical Plan $125 $303
Economy Medical Plan $63 $167
Consumer Choice Plan $25 $71
Standard Dental Plan $37 $102
Economy Dental Plan $0 $0
Vision $15 $40
For MEBA – Marine Engineers (BB), IBU – Inlandboatman’s (MM) Only
Plan MEBA Employee Only MEBA Employee & Family IBU Employee Only IBU Employee & Family
Standard Medical Plan $125 $303 $125 $303
Economy Medical Plan $0 $0 $35 $95
Consumer Choice Plan $25 $71 $25 $71
Standard Dental Plan $37 $102 $37 $102
Economy Dental Plan $0 $0 $0 $0
Vision Plan $15 $40 $15 $40
Effective: Jan. 1 - Dec. 31, 2022
COBRA Employee
Plan Rate
Medical, Standard $1,111.54
Medical, Economy $709.87
Medical, Consumer $614.74
Dental, Standard $58.00
Dental, Economy $25.27
Vision, Managed $13.93
Effective: Jan. 1 - Dec. 31, 2022
COBRA Employee + Family
Plan Rate
Medical, Standard $3,025.70
Medical, Economy $1,878.52
Medical, Consumer $1,608.63
Dental, Standard $154.30
Dental, Economy $59.85
Vision, Managed $34.27
Effective: Jan. 1 - Dec. 31, 2022

See section 2.1.1 Medical Benefit Schedule for a list of coinsurance and out-of-pocket maximum exceptions (such as 100% coinsurance for in-network preventive care, or greater out-of-pocket maximums that apply to charges from some out-of-network facilities).

Under the authority of 2 AAC 39.920, Select Benefits will only pay 30 percent of covered charges for your dependents if your spouse or children are covered by a State employee health trust and that coverage:

  • has been waived,
  • pays less than 70 percent of covered expenses, or
  • has an individual out-of-pocket maximum, including deductible, of more than $3,500

This applies to any dependent covered by Select Benefits where the trust plan would normally pay first if you hadn't reduced or waived coverage. When your spouse or the parent of any of your children selects coverage under a State employee health trust, they must ensure they are electing a plan that covers at least themselves and any dependents for which they have primary responsibility and that coverage provides full family coverage. Failure to do so will result in lower coverage for your dependents in the coming year.

Health Flexible Spending Account (HFSA)

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.

2022 Health Flexible Spending Account Rates
Minimum Monthly Amount $25.00
Maximum Monthly Amount $225.00
Effective: Jan. 1 - Dec. 31, 2022

Preventive Care — At No Cost

All AlaskaCare employee medical plan options will pay covered preventive services in full when received from an in-network provider. In-network preventive care services are not subject to deductibles or coinsurance.

See the Preventive Care Coverage Information Flyer , the Women’s Preventive Care Coverage Information Flyer and the Cervical Cancer Screening Flyer for additional information on covered preventive services.

All other covered medical benefits are subject to the deductible and coinsurance.

Select AlaskaCare Benefits Eligibility

There are no pre-existing condition limitations for any of the AlaskaCare Employee Health Plans. Employees who belong to the following bargaining units or employee groups may participate in the AlaskaCare Employee Health Plan.

  • Alaska Correctional Officers Association (ACOA)
  • Alaska Public Employees Association/Supervisory Unit (APEA)
  • Inlandboatman’s Union Representing the Unlicensed Marine Unit (IBU)
  • Marine Engineers' Beneficial Association (MEBA)
  • Alaska Vocational Technical Center Teachers’ Association (AVTCTA)
  • Mount Edgecumbe Teachers Unit
  • Confidential Employees Association (APEA)
  • Employees not covered by a collective bargaining agreement

If you do not belong to one of these groups, your health benefits may be offered through a union health trust. The union health trust may hold open enrollment at a different time than AlaskaCare.

Eligible Employees

If you are an active, full-time employee who is regularly scheduled to work 30 hours or more hours per week, you will be enrolled in the health plan unless you elect to waive coverage (opt-out). If you waived any coverage for yourself and/or your family in , you need to make a new election during open enrollment for the benefit year.

If you are a part-time employee regularly scheduled to work at least 15 hours and less than 30 hours per week, you are eligible to participate in the AlaskaCare health plans and must elect coverage. If you elected coverage in , this coverage election will carry over to the new benefit year unless you make new elections during open enrollment.

Eligible Dependents

Dependents of eligible employees may be covered under the State’s benefit plans. Eligible dependents include your spouse, your children until they attain age 26, and your child age 26 and older who is permanently and totally disabled. Additional information is available in the AlaskaCare Employee Plan Booklet , under section 1.3.2.

Voluntary Supplemental Benefits Eligibility

Voluntary Supplemental Benefits offer you the opportunity to obtain benefits that best suit the needs of you and your family. Enrollment in any plan is optional—choose only the plans and coverage levels that meet your needs. Most Premiums are paid through payroll deductions and are subtracted from gross wages before taxes are deducted—an added advantage to the plan. Some restrictions apply for life insurance premiums.

All state employees and employees of a participating political subdivision covered under the terms of the political subdivision’s participation agreement are eligible with the exception of the following employee groups.

  • Labor, Trades and Crafts (LTC) unit
  • Teachers’ Retirement System (TRS)
  • on-call employees
  • temporary legislative employees
  • employees of the National Guard (including Emergency Guard)
  • short term non-permanent employees
  • student interns
  • leased employees
  • emergency employees hired for natural disasters, including emergency firefighters

The annual Open Enrollment period is . As a State of Alaska employee and AlaskaCare member, you also know that maintaining your and your family’s health is important, and keeps you ready for that next adventure, big or small. Be sure to review your current benefit elections and make changes to your plan selections for the upcoming benefit year. Some options do not carry over from year to year and will need to be selected again for the following year. You can choose the right mix of health benefits for you and your family, then embark on your next adventure.

Changing your coverage before Open Enrollment ends

You may change your mind about any benefit choices as long as you re-enroll in your final choices before the enrollment deadline. Remember—each time you re-enroll, a new enrollment is processed. The previous enrollment will no longer exist. Make sure to re-select each of your elections and print your confirmation page for your records.

Qualifying Events

After open enrollment ends at 5 p.m. on the last day of the enrollment period you will not be able to make changes to your benefits. Make certain you have elected coverage that is the right fit for you and your eligible dependents.

After open enrollment, you can only make changes in conjunction with a qualified status change or other applicable event. Examples can include a change in your legal marital status or the birth of a child. For a complete list, see section 1.8.2 of the AlaskaCare Employee Plan Booklet . You must make changes and report most qualifying status changes or other applicable events within 30 calendar days from the event. It is important you notify the plan of ineligible dependents even if it is beyond the 30-day period to minimize recovery of claims.

You can access the Online Benefits Enrollment portal to make open enrollment elections 24 hours a day, 7 days a week from at 5 p.m. Alaska Time.

Getting Prepared Before You Enroll

  • Review your options, including any changes in premiums or benefits. Think about what options will work best for you and your family in the upcoming year.
  • Review your dependents to ensure your dependent information is still accurate. Use the Alaskacare online enrollment system to make any necessary changes to your benefits.
  • Use the BenefitFocus online enrollment system to make any necessary changes to your benefits.
  • If you do not take action and make enrollment elections during Open Enrollment for the medical, dental, or vision plan, your current elections will roll over to the 2022 plan year.
  • If you chose to opt-opt of the medical plan, or you enrolled in a Health Flexible Spending Account (HFSA) in 2021, your 2021 elections will not roll over to 2022.
  • You must annually elect to opt-out of medical coverage, or you will be defaulted into the Economy medical plan. You must annually elect to enroll in a HFSA.

Enrollment Instructions

  1. Log in to your myAlaska account:

    • Go to . This is the myRnB portal.
    • On the right side of the page, choose Login using myAlaska. You will be directed to the myAlaska login page, where you will login using your myAlaska ID and password. This is the same ID and password you use to register for your PFD. After you login to myAlaska, you will be redirected back to myRnB.
    • On the myRnB page, under Self-Service Tools, select AlaskaCare Benefits Open Enrollment.
  2. Review your dependents enrolled under the health plan. Click “Health Dependent Enrollment”.

    • Make sure all your eligible dependents are listed. If not, click Add Dependent, fill in the blanks, and click Save Changes.
    • If there are ineligible dependents listed, select the dependent from the list on the left side of the page. Click Edit, then Terminate Dependent.
    • If you have not yet provided the Social Security number (or other tax identification number) for each of your dependents that you have enrolled, please do so now. Select the dependent from the list on the left, then choose Addition of Missing SSN from the drop-down menu. Be sure to click Save Changes once you have added the information.
    • Once your dependents are enrolled, click on the Print and Sign Verification button to open the signature verification form in a PDF document and print the verification form.
    • Once the form is signed and dated, you may fax, mail, or email it to the Division per the information on the form. The dependent enrollment is not complete until the Division receives and processes your verification form.
    • Once your review is complete, click Back to Benefits Enrollment at the top of the page.
  3. Check your elections and make new elections as needed.

    • Under Change Reason, select Open Enrollment from the drop-down menu, then click Change Elections.
    • Use the drop-down menus to make new elections. Certify your eligibility, then press Continue.
    • Review these elections and the updated premiums, then either click Back to edit your elections, or Submit Elections to enroll.
    • Print the confirmation page for your records.

You are all set for your health elections for !

Enrollments must be made online. If you experience technical difficulties while trying to enroll, contact the Member Service Center.

If you are an AlaskaCare Employee Health Plan covered employee with other medical coverage, you may elect to opt-out, 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. Example: You can choose Employee Only economy medical, and Employee and Family Standard Dental.

Coverage that matches what you need.

This change gives you the broadest choice of options to best suit your family’s needs. But take caution when considering your elections. The option to opt-out of AlaskaCare medical coverage is only available if you or your family maintains coverage under another medical plan. There are financial and tax consequences if you opt-out and do not have other medical coverage. These restrictions do not apply to the dental or vision plans.

The decision to opt-out is irrevocable for the benefit year (January 1 through December 31)!

Think Twice! An opt-out election cannot be changed mid benefit year unless you have a qualified status change (such as your spouse has an employment change and is no longer eligible for medical coverage). Before opting out, make sure you understand your other health coverage benefits to ensure you are not surprised by unanticipated costs. Will you be adequately covered under your other health insurance in the event of an unforeseen event? Make sure you can answer yes, before making a decision to opt-out of AlaskaCare.

You are required to have health insurance. The Patient Protection and Affordable Care Act (PPACA) require most individuals to obtain and maintain medical plan coverage that meets the minimum essential coverage requirements. (The AlaskaCare Employee Health Plan meets the minimum essential coverage requirements.) Failure to maintain minimum essential coverage for yourself and your family may result in you or your dependents being subject to penalties on your federal income taxes.

Additional information on qualified status change events that would allow you to opt-out or rescind an opt-out election during the benefit year can be found in the AlaskaCare Employee Health Plan booklet .

Opting Out process:

  1. Log in to your myAlaska account:

    • Go to . This is the myRnB portal.
    • On the right side of the page, choose Login using myAlaska. You will be directed to the myAlaska login page, where you will login using your myAlaska ID and password. This is the same ID and password you use to register for your PFD. After you login to myAlaska, you will be redirected back to myRnB.
    • On the myRnB page, under Self-Service Tools, select Opt-Out.
    • Complete and sign this Opt-Out form , then scan and email it to or fax it to (907) 465-3086.
      • If you chose to opt-out of the Medical plan in , and do not complete the opt-out process for , you will be defaulted to the Economy Employee Only plan or the Economy Employee and Family Plan (if you have active dependents listed).
      • If you fail to re-enroll or make elections during open enrollment, you will be defaulted in the Standard Employee and Family Plan or Standard Employee Dental plan.
      • Likewise, if you chose to opt your family out of the Economy Medical plan and/or Dental plan in , you must re-enroll in the opt-out plan for .
      • Again, if you chose to opt your family out of the Consumer Choice Medical plan in , you must re-enroll in the opt-out plan for . If you fail to re-enroll or make other elections during open enrollment, you will be enrolled in the Consumer Choice Family plan by default.
      • If you have dependents listed and chose the Managed Care Employee Only Vision plan in and you would like to keep the same election for , you must make a new election to opt your family out of the Vision plan for . If you fail to make a new election (opt-out again) during open enrollment, you will be defaulted into the Managed Care Employee and Family plan for .
      • If you elected not to have a Vision plan in , you will be defaulted to no vision plan again for .
Page Last Modified: 08/01/22 12:11:52

© State of Alaska || ||

Enroll FAQs

When is Open Enrollment?

Open Enrollment for the AlaskaCare Employee Health Plan is typically the first three weeks of November for the benefit year that begins the following January. Visit the Open Enrollment page to find this year's Open Enrollment dates.

Learn More
How do I enroll?

The enrollment process will be completed online. Everything you need to make decisions about your benefits and to change your enrollment selection is available in the Open Enrollment Guide . Personalized information will not be sent to members.

Once you are ready to enroll, the web site provides instructions to:

  1. Login to your account – through your myRnB portal. Look for the myRnB button in the left column of any Division Web page.
  2. View your current benefits and change your elections.
  3. Review the dependents under your health plan and add or remove dependents as necessary.
  4. Make sure you have provided your dependent's social security number. Under the individual shared responsibility provision of the Affordable Care Act (ACA), individuals must indicate their enrolled dependents, as well as themselves, have had a full year of qualifying health care coverage (called minimum essential coverage), qualify for an exemption, or pay a penalty when filing their income taxes. By providing your dependent social security numbers, we can report proof of minimum essential health care coverage to help you avoid the hassle of having to prove to the IRS that your dependents had coverage.
Learn More
If I am unable to enroll online, can I submit my elections by paper form?

Enrollments must be made online. If you experience technical difficulties while trying to enroll contact the Member Services Contact Center at (800) 821-2251 or in Juneau at (907) 465-4460 Member Services Contact Center Hours: Monday - Thursday 8:30 a.m. - 4 p.m. and Friday 8:30 a.m. - 3 p.m. Alaska Standard Time.

Contact Us
Will I get new cards?

If you make changes to your health elections or to your beneficiary information, you will be mailed a new medical ID card from Aetna and a new dental ID card from Moda.

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Are there any changes to the health plan?

Yes, there are several important changes to the AlaskaCare health plan that will take effect on the first day of the upcoming benefit year.

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How can I get a current copy of the Health Plan booklet showing all plan changes?

A new Health Plan booklet will be released on or before the first day of the upcoming benefit year.

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Are hearing aids covered under the AlaskaCare health plan?

Coverage for hearing aids is available under the Audio Plan (a sub-plan of Medical). Audio services pay a maximum benefit of $3,000 in a rolling 36-month period. A hearing aid (monaural or binaural) is a covered service if prescribed as a result of an otological (ear) or audiological (hearing) examination. This includes ear mold(s), hearing aid instrument, initial batteries, cords, and other necessary supplementary equipment as well as warranty, and follow-up consultation within 30 days following delivery of the hearing aid.

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Will I be taxed on my health benefits?

The plan meets the criteria under Internal Revenue Code §125 and its accompanying Treasury Regulations, which govern cafeteria plans as offered under the Select Benefits Health Plan. This allows for premiums that are taken from your paycheck to be deducted prior to taxes being calculated.

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Employee FAQs