Premera Blue Cross Blue Shield of Alaska
Premera Blue Cross Blue Shield has provided Alaskans with trusted, comprehensive health coverage since 1957.
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All About Premera Blue Cross Blue Shield
Premera Blue Cross Blue Shield of Alaska is the Pacific Northwest’s largest health insurer. It covers over 2.6 million members in Alaska and Washington..
Premera Blue Cross Blue Shield is one of two health insurers that serve Alaska. It is the only carrier that operates statewide. They offer 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 strong commitment to affordable, quality healthcare, Premera Blue Cross serves people, families, and businesses in Alaska. It offers many options to meet different healthcare needs.
Preventive Care Services
All plans cover preventive services like wellness visits, immunizations, and screenings at no extra cost. This applies when you use in-network providers. Benefits include exams, screenings, and vaccinations.
Extensive Provider Network
Premera’s network includes over 80% of Alaska’s healthcare providers. This gives members broad access to medical care statewide.
Additionally, members can use Premera Blue Cross’s BlueCard® Program. This gives them access to a nationwide network of about 2 million doctors. This helps ensure smooth 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 very important for Alaskans. Many live in rural areas with long distances and bad weather. These factors can make in-person medical care hard to reach.
Dental Coverage
All plans include pediatric dental coverage, and routine care for adults in non-HSA plans.
Medical transportation
Included in all Premera Blue Cross plans. This benefit repays patients for round-trip air or ground travel. It covers trips to the nearest in-network provider. This applies when local care is not available.
Affordable Drug Coverage
Low copay for generic drugs, with no deductibles on generics for non-HSA plans. Premera members can save on prescription drugs with the Express Scripts mail-order pharmacy. They can also save with the 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 Blue Cross Blue Shield offers high-deductible health plans that work with HSAs. Members can save pre-tax dollars for eligible medical expenses.
Comprehensive Group Benefits
Tailored group health plans for businesses of all sizes include added life and disability insurance options. They support employee well-being.
How to Enroll in a Premera Blue Cross 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 find an option you like, apply online. You can also contact one of our Personal Benefits Managers. They can help you review your needs. They can help you choose the best plan for your situation and budget.
Premera Blue Cross Blue Shield Plans
Premera BCBS provides a variety of plans to cater to individual, family, and business needs.
Note: Native Alaskans and Native Americans who are members of federally recognized tribes may qualify for cost-sharing reductions. They can get these reductions with any metal-level plan, not only Silver plans.
Preferred Gold, Silver, and Bronze plans now include two primary care and mental health office visits with a $1 copay.
Bronze
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. Bronze plans are suitable for those who anticipate minimal healthcare usage during the year.
Silver
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
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.
| 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 |
Premera Blue Cross Blue Shield Group Health Plans
Premera BCBS offers customizable group health plans for businesses, categorized as follows:
Premera BCBS 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.
- HSA-Compatible Plans: Qualified high-deductible health plans with HSA options let employees save pre-tax dollars. They can use these funds for eligible medical expenses.
Premera BCBS 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.
Pros & Cons of Premera Blue Cross Blue Shield
Premera BCBS Pros
- Extensive Provider Network: Access over 80% of Alaska’s healthcare providers. You also get 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 work with Health Savings Accounts. They let you save on eligible medical costs with tax benefits.
Premera BCBS Cons
- 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 broader coverage may have higher premiums. This can matter for budget-conscious consumers.
Premera Blue Cross Fee Structure
Alaska Natives and Native Americans in federally recognized tribes do not need to wait for Open Enrollment. You can sign up for a Marketplace health insurance plan at any time.
Members of federally recognized tribes may also qualify for cost-sharing reductions (CSRs) with any metal level plan. This is not limited to Silver Plans, as it is for non-natives. These CSRs can lower your deductibles and co-insurance costs when you need care. This can make healthcare more affordable and easier to access.
Premium
The amount you pay each month to keep your coverage in force. Depending on your income and household size, you may qualify for premium tax credit subsidies. These subsidies can help make your premiums more affordable.
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.
Deductible
The amount you pay for covered healthcare services before your insurance plan pays. Premera BCBS offers a range of deductible options across different plans to accommodate various financial preferences.
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.
Ready to Sign Up with Premera Blue Cross?
At HSA for America, we guide you through questions that may come up as you look for the right health plan. Our Personal Benefits Managers partner with you. They use money-saving tools to help you save as much as possible.
This professional relationship continues after you secure your health plan. We help ensure you meet your medical needs and save money.
Premera Blue Cross Blue Shield FAQs
Q: Does Premera Blue Cross 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 BCBS 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.
Q: What happens if I need emergency care while traveling?
A: Premera Blue Cross plans include emergency care coverage. Members can visit any emergency room in the U.S. or abroad. They will 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 Blue Cross support individuals with chronic conditions?
A: Premera BCBS offers disease management programs. These programs provide resources, tools, and care coordination. They help people manage chronic conditions like diabetes, heart disease, and asthma.
Can I use Premera Blue Cross Blue Shield of Alaska plans outside the state?
A: Yes. Through the BlueCard® Program, Premera members can use a nationwide network of about 2 million providers. This helps ensure smooth care while traveling or living outside Alaska.
Q: Does Premera Blue Cross Alaska cover vision and dental care?
A: Premera offers separate vision and dental plans. You can bundle them with health insurance. This is available for individuals, families, and businesses.
Q: Does Premera cover preventive screenings like mammograms or colonoscopies?
A: Yes. All ACA-compliant Premera plans cover preventive screenings, like mammograms and colonoscopies. These tests cost nothing when you use in-network providers.
Q: What financial assistance options are available for Premera Blue Cross individual plans?
A: Through the Health Insurance Marketplace, eligible people can apply for premium tax credits and cost-sharing reductions. These lower monthly premiums and out-of-pocket costs based on income and household size.
Q: How do I find out if my current doctor is in Premera’s network?
A: Premera BCBS has a Find a Doctor tool to check if your healthcare provider is in-network. You can search by name, location, or specialty.
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