Alaska Medicare Plans
The number of Medicare beneficiaries is relatively low in comparison with other states, as the population of this state is also low compared to other states.
At the end of the year 2018, the number of Medicare beneficiaries in Alaska were 97,823. Depending on the area in which you live in Alaska you can find different Medicare plan options. If you opt for Original Medicare then you must know that it includes only limited prescription drug coverage and you may require to add a stand-alone Medicare Part D Prescription Drug Plan, which you can avail Medicare approved private insurance companies. You also have the option of enrolling in Medicare Supplement Insurance plans through private insurance companies that help you pay for Original medicare out-of-pocket costs like deductibles and copayments. Some part of Alaska do not provide Medicare benefits through a Medicare Advantage plan. To find out whether any Medicare Advantage plans is available in your area or not you can contact Medicare. The areas where Advantage plans are available these must include as much coverage as Medicare Part A and Part B except Hospice care. Some of the Advantage plans also offer additional benefits like prescription drug coverage and wellness programs.
Alaska like most of the U.S. states have only three types of Medicare plan options:
Medicare Supplement Insurance
Medigap or Medicare Supplement Insurance plans help pay some of the out-of-pocket costs under Original Medicare that include cost sharing expenses and emergency overseas travel coverage. There are ten standard plans in it and each plan includes different benefits and level of coverage. Medigap plans offer the same standardized benefits in all the states including Alaska.
Medicare Part D or Prescription Drug
Coverage Medicare prescription drug coverage is available for beneficiaries in Alaska and you can enroll in stand-along Medicare Part D prescription drug plan offered by private insurance companies. This coverage along with your Original Medicare benefits that help you pay for prescriptions medications.
Medicare Advantage Plan
These plans offered by private insurance companies approved by Medicare deliver the same benefits as federally administered Original Medicare. Some of the Medicare Advantage Plans offer additional coverage like dental, routine vision or prescription drug benefits. Unfortunately these plans are unavailable in most of the areas of Alaska but beneficiaries can sill get their Medicare coverage through Part A and Part B and can also enroll in Medicare Part D for prescription drug coverage.