Premera Blue Cross Blue Shield of Alaska
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All You Need to Know About Premera Blue Cross Blue Shield of Alaska
Premera Blue Cross Blue Shield of Alaska is the largest health insurance carrier in the Pacific Northwest, serving more than 2.6 million people in Alaska and Washington.
It’s one of two health insurance companies currently writing business in Alaska, and the only carrier operating statewide. offering comprehensive coverage across all boroughs in the state. The company has deep roots in Alaska, where it has been providing Alaskans with access to healthcare since 1957.
With a commitment to accessible and quality healthcare, Premera serves individuals, families, and businesses across Alaska, ensuring a wide range of options to meet diverse healthcare needs.
Premera Blue Cross Blue Shield of Alaska
Preventive Care Services
All plans cover preventive services such as wellness visits, immunizations, and screenings at no additional cost when using in-network providers. Benefits include exams, screenings, and vaccinations.
Extensive Provider Network
Premera’s network includes over 80% of Alaska’s professional healthcare providers, ensuring members have broad access to medical services statewide.
Additionally, through Blue Cross/Blue Shield’s BlueCard® Program, members can access a nationwide network of approximately 2 million doctors, facilitating seamless healthcare services across the country.
Telehealth Services
Members have access to virtual doctor visits and a 24-hour Nurse Line, providing convenient healthcare options anytime, anywhere.
Convenient, reliable access to telehealth services is particularly important for Alaskans, many of whom live in rural areas where great distances and inclement weather often complicate in-person access to medical services.
Dental Coverage
All plans include pediatric dental coverage, and routine care for adults in non-HSA plans.
Medical transportation
Included in all Premera plans. This benefit reimburses patients for round-trip air or ground transportation to the nearest in-network provider when local care isn’t available.
Affordable Drug Coverage
Low copay for generic drugs, with no deductibles on generics for non-HSA plans. Premera members can also save on prescription drugs through the Express Scripts mail-order pharmacy and Rx Savings Solutions program.
Prescription Drug Coverage
Comprehensive drug benefits include affordable options for generic and specialty medications, ensuring necessary treatments are accessible.
Health Savings Account (HSA) Options
Premera offers high-deductible health plans compatible with HSAs, allowing members to save pre-tax dollars for eligible medical expenses.
Comprehensive Group Benefits
Tailored group health plans for businesses of all sizes include additional life and disability insurance options, supporting employee well-being.
How to Enroll in a Premera Plan
- Select your state and click Instant Quote.
- Enter your information.
- Click “Show Quotes Now” and you will see different plan options to choose from.
Once you found you find the option you like, simply apply online. You can also contact one of our Personal Benefits Managers to help you analyze your needs and help you choose the best plan for your specific situation, needs, and budget.
Premera Blue Cross Blue Shield of Alaska Plans
Premera provides a variety of plans to cater to individual, family, and business needs.
Individual and Family Plans
Bronze Plans
These pay an estimated 60% of your covered medical costs, once you reach your deductible. You pay the remaining 40% until you reach your maximum annual out-of-pocket limit (capped at $9,200 for individuals and $18,400 for families for 2025). Bronze plans are suitable for those who anticipate minimal healthcare usage during the year.
Silver Plans
Provide moderate premiums and deductibles. Silver plans pay an estimated 70% of costs for covered services once you meet the deductible. You pay the remaining 70%, up to your maximum out-of-pocket cost for the year. eligible for cost-sharing reductions for households with incomes under 250% of the federal poverty level.
Gold Plans
Feature higher premiums but lower deductibles, ideal for individuals with frequent healthcare needs.Feature higher premiums but lower deductibles, ideal for individuals with frequent healthcare needs.
Note: Native Alaskans and Native American members of federally recognized tribes may qualify for cost-sharing reductions with any metal level plan, not just Silver plans.
Preferred Gold, Silver, and Bronze plans now include two primary care and mental health office visits with a $1 copay.
Premera Blue Cross Blue Shield of Alaska Individual & Family Plans
| Plan Name | Monthly Premiums | Deductible (Individual) | Out-of-Pocket Maximum (Individual) | Copayments/ Coinsurance | Network | Ideal For |
|---|---|---|---|---|---|---|
| Premera Standard (Bronze/ Silver/Gold) | Varies by tier (Bronze: Low, Silver: Moderate, Gold: High) | Varies by tier (Bronze: High, Silver: Moderate, Gold: Low) | Varies by tier; aligns with ACA limits | Varies by tier; higher cost-sharing for Bronze | Comprehensive network for all tiers | Those seeking a balance between cost and coverage |
| Premera Preferred Gold | Higher premiums than Standard plans | Lower than Standard Silver/Bronze | Lower than Standard Silver/Bronze plans | Lower copays for doctor visits and prescriptions | Broad access to providers | Frequent healthcare users seeking predictable costs |
| Premera One | Lower premiums due to high deductible | High deductible, HSA-compatible | Matches deductible | Most costs paid after meeting deductible | HSA plan, network access based on selected tier | HSA users comfortable with high deductibles |
| Premera Preferred Bronze 6350 | Lower premiums with higher out-of-pocket costs | $6,350.00 | $6,350.00 | Cost-sharing applies after deductible | EPO: No out-of-network coverage (except emergencies) | Individuals who want low premiums and can afford higher costs when needed |
| Premera Bronze 5800 | Moderate premiums compared to other Bronze plans | $5,800.00 | $5,800.00 | Cost-sharing applies after deductible | Broad network, specifics depend on area | Moderate healthcare users balancing premiums and out-of-pocket costs |
Premiums and other costs may vary based on your location within Alaska.
Group Health Plans
Premera offers customizable group health plans for businesses, categorized as follows
Small Business Plans (1-50 Employees):
-
Coverage Options: Comprehensive medical, pharmacy, dental, vision, and hearing benefits.
- Network Access: Employees have access to the Blue Cross Blue Shield Association’s worldwide network of doctors and hospitals.
Premera - HSA-Compatible Plans: Qualified high-deductible health plans with HSA options allow employees to save pre-tax dollars for eligible medical expenses.
Large Business Plans (51+ Employees):
-
Flexible Funding: Offers fully insured and self-funded options to align with business financial strategies.
- Wellness Programs: Includes initiatives focused on wellness, prevention, disease management, and patient safety to promote a healthier workforce.
- Extensive Network: Provides access to a broad network of healthcare providers, both within Alaska and nationwide.
Advantages and Disadvantages of Premera
Blue Cross Blue Shield of Alaska
Advantages
- Extensive Provider Network: Access to over 80% of Alaska’s professional healthcare providers and a nationwide network through the BlueCard® Program.
- Comprehensive Coverage Options: A variety of plans tailored for individuals, families, and businesses, ensuring flexibility to meet diverse healthcare needs.
- Preventive and Telehealth Services: Emphasis on preventive care and availability of telehealth services enhance convenience and promote overall health.
- HSA-Compatible Plans: High-deductible health plans compatible with Health Savings Accounts allow for tax-advantaged savings on eligible medical expenses.
Disadvantages
- Non-Emergency Out-of-Network Care Not Covered. You must use your plan at in-network hospitals and providers, except where there is a medical emergency.
- No Off-Marketplace Individual Plans: Individual and family plans are available exclusively through the federal Health Insurance Marketplace, limiting direct purchase options.
- Higher Premiums for Comprehensive Plans: Plans with lower deductibles and more extensive coverage may come with higher premiums, which could be a consideration for budget-conscious consumers.
Premera Fee Structure
Premium
Deductible
The amount you pay for covered healthcare services before your insurance plan starts to pay. Premera offers a range of deductible options across different plans to accommodate various financial preferences.
Copays
Fixed amounts paid for covered services, such as doctor visits or prescriptions, after meeting your deductible. Copay amounts vary depending on the plan and type of service.
Preventive Care Benefits
All plans include preventive care services at no additional cost when using in-network providers. These include wellness visits, immunizations, and screenings.
Enroll Today!
Just make an appointment with a Personal Benefits Manager using our online calendar system, or call us directly at 800-913-0172 and ask to speak with a Personal Benefits Manager.
It’s easy, stress-free, and costs you nothing extra!
Alaska Natives and Native Americans
Alaska natives and Native Americans who are members of federally recognized tribes do not have to wait until Open Enrollment. You can sign up for a Marketplace health insurance plan at any time.
Members of federally-recognized tribes also may qualify for cost-sharing reductions (CSRs) with any metal level plan, not just Silver Plans, as is the case for non-natives. These CSRs can reduce your deductibles and co-insurance costs in the event you need care, making your healthcare more affordable and accessible.
Premera Blue Cross Blue Shield of Alaska FAQs
Q: Does Premera offer HMO plans in Alaska?
A: No, Premera does not offer Health Maintenance Organization (HMO) plans in Alaska.
Q: Are mental health services covered by Premera plans?
A: Yes, Premera plans include mental health coverage. Preferred Gold, Silver, and Bronze plans now offer two primary care and mental health office visits with a $1 copay for 2025.
Q: What happens if I need emergency care while traveling?
A: Premera plans include emergency care coverage. Members can visit any emergency room in the U.S. or internationally and receive the same benefits as in-network emergency care.
Q: Are there options for self-employed individuals or freelancers?
A: Yes, self-employed individuals can purchase individual health plans through the Health Insurance Marketplace. Plans offer flexibility in coverage and pricing to suit various needs and budgets.
Q: How does Premera support individuals with chronic conditions?
A: Premera offers disease management programs that provide resources, tools, and care coordination to help individuals manage chronic conditions such as diabetes, heart disease, and asthma
Q:How do I find out if my current doctor is in Premera’s network?
A: Use Premera’s Find a Doctor tool to check if your healthcare provider is in-network. You can search by name, location, or specialty.
Q: Can I use Premera Blue Cross Blue Shield of Alaska plans outside the state?
A:Yes, through the BlueCard® Program, Premera members have access to a nationwide network of approximately 2 million healthcare providers, ensuring seamless care while traveling or living temporarily outside Alaska.
Q: Does Premera cover vision and dental care?
A:Premera offers separate vision and dental plans that can be bundled with health insurance for individuals, families, and businesses.
Q: What is the maximum out-of-pocket cost for Premera plans?
A: For 2025, the maximum out-of-pocket costs for ACA-compliant plans are capped at $9,200 for individuals and $18,400 for families. These caps include deductibles, copays, and coinsurance.
Q: Do Premera plans cover preventive screenings like mammograms or colonoscopies?
A: Yes, all ACA-compliant Premera plans cover preventive screenings, such as mammograms, colonoscopies, and other recommended tests, at no cost when using in-network providers.
Q: What financial assistance options are available for individual plans?
A: Through the Health Insurance Marketplace, eligible individuals can apply for premium tax credits and cost-sharing reductions, which lower monthly premiums and out-of-pocket costs based on income and household size.
We’ve helped over 16 thousand people find health insurance or a health sharing plan.
Each customer gets the same amazing service.
Leslie (Personal benefits Manager) is always informed about the plans and helps me to make a wise decision on which one is best for me. Can't ask for anything more.
Beth Patterson
IL
Mike (Personal benefits Manager) was great! He answered all our questions and was really helpful and patient with us while we were making our decisions.
Stacy Longoria
FL
HSA for America, and Lou Spatafore (Personal benefits Manager), provided a way to pay for healthcare costs, that is affordable and provides what is needed. I appreciated that Lou explained everything so that we understood how the health sharing works, and he was available whenever we had questions.
Scott Egbers
IA
Misty (Personal benefits Manager) was very helpful. We really appreciated her help getting us set up with our Marketplace plan.
Reverend Joan Kistler
TX
Whitney (Personal benefits Manager) was amazing and went far above my expectations in customer service. She answered every question and so far everything has been just like she said it would be!!! Thank you
Wendy Skeesick, LA
We’re here to help!
HSA for America can offer you free and professional advice so you can make the best choice possible regarding your health care plan. Your Personal Benefits Manager is available to answer any questions about Premera Blue Cross Blue Shield of Alaska health plans, ultimately maximizing the amount of money you can save annually while truly understanding the type of health care you will receive. Reach us at 800-913-0172 or run an instant quote below.
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Contact Information:
1001-A E. Harmony Rd #519 Fort Collins, CO 80525
800-913-0172
[email protected]
Disclaimer: All information on this website is relayed to the best of the Company's ability, but does not guarantee accuracy. Information may be out of date. The content provided on this site is intended for informational purposes only and does not guarantee price or coverage. This site is not intended as, and does not constitute, accounting, legal, tax, and/or other professional advice. Determination of actual price is subject to Carriers.