Medical
Premera Blue Cross Blue Shield (off site) has a broad network of providers called the Alaska Heritage Network. No matter which plan you choose, using network providers will lower your out-of-pocket costs because the percent you pay is based on negotiated fees.
Coverage
The chart below details medical coverage and deductibles under the deluxe, standard and economy plans.
Claims or Coverage Questions
The Blue Cross customer service number is (800) 364-2982 and the TDD for the hearing impaired is (800) 842-5347. Claims information and other health resources are available on the Blue Cross site (off site). Members create their own user ID number and password when they register. To register, however, requires a six-digit PIN number. If you do not have one, call (800) 722-9780 for help.
Check The Handbook (pdf) for more details about medical coverage. Find out about using the $400 preventive health benefit and consider using a flexible spending account to pay for health care.
UA Choice Medical Coverage Comparison
| Medical Benefits |
Deluxe Plan |
Standard Plan |
Economy Plan |
| Deductible | • $100 Individual • $300 Family |
• $250 Individual • $600 Family |
• $500 Individual • $1,500 Family |
| Annual Out-of-Pocket Maximum (does not include deductible) |
• $400/person • $800/family |
• $750/person • $1,500/family • Out-of-network charges do not accrue toward the out-of-pocket maximum |
• $3,000/person • $6,000/family • Out-of-network charges do not accrue toward the out-of-pocket maximum |
| Coinsurance (the percent the Plan pays) for most services | • 80% after deductible • No network provisions |
• In-network: 80% after deductible • Out-of-network: 60% after deductible |
|
| Lifetime Maximum | $2,000,000 |
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| Hospital Admissions (In-patient) |
• All charges are first subject to the deductible and maximum out-of-pocket • 100% |
• All charges are first subject to the deductible and maximum out-of-pocket • In-network: 80% to maximum out-of-pocket • Out-of-network: 60% Charges do not accrue toward maximum out-of-pocket |
|
| Emergency Room Co-Payment | 80% as other expenses, after deductible |
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| Outpatient Surgery, Pre-op Testing, Second Surgical Opinions |
80% as other expenses, after deductible | • In-network: 80% as other expenses, after deductible • Out-of-network: 60% • Charges do not accrue toward maximum out-of-pocket |
|
| Lab and X-ray | 80% as other expenses, after deductible |
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| Mental Health | 25-day in-patient 52 visits out-patient |
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| Chemical Dependency | 80% as other expenses, after deductible to a maximum of $10,000 per year |
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| Chiropractics | • 80% as other expenses, after deductible • Maximum of 26 visits per year |
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| Bariatric Surgery | $25,000 lifetime maximum |
Not covered | |
| Orthognathic Surgery | $25,000 lifetime maximum |
Not covered | |
| Well Baby and Well Child Checkups | • Under age 1: six physical exams including immunizations at 100% with no deductible • Over age 1: see general preventive benefits |
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| General Preventive Benefit (Physical Benefit) |
• Up to $750 per person per year toward preventive-related medical services, covered at 100% with no deductible • Includes annual physical benefits |
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| Adult Immunizations | Covered under preventive benefit with no age limit | ||
