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Medicare Supplement Plans in Alaska

Beneficiaries unsatisfied with the gaps in their Medicare benefits may consider enrolling in one of 10 Medicare Supplement plans in Alaska. While Advantage plans replace Original Medicare, supplemental plans complement the original benefits. Medicare Supplement plans in Alaska give beneficiaries a chance to eliminate the out-of-pocket costs that come with the federal Medicare program.

What are the best Medicare Supplement Plans in Alaska?

The first step to choosing between Medigap policies is to compare the benefits and cost of all plan options. There are three supplemental insurance policy options that most Alaska beneficiaries select because they cover a variety of medical expenses at reasonable prices.

1. Best for full coverage: Plan F

  • Plan F coverage includes Medicare Part A deductible, Medicare Part B deductible, Part B coinsurance, foreign travel emergency care, and Part B excess charges.
  • Maximizes out-of-pocket costs but comes with the highest monthly premiums.
  • Eligibility is limited to beneficiaries with a Medicare Part B effective date prior to January 1, 2020.

2. Best comprehensive coverage: Plan G

  • Policy includes everything covered by F plans except for the Medicare Part B deductible. The Part A deductible is covered.
  • All beneficiaries are eligible to apply regardless of Original Medicare start date.

3. Medicare Plan N – Best Value

  • Plan N has no coverage for Part B excess charges or deductible. Part A deductible is covered.
  • Requires beneficiaries to pay up to $20 to see a doctor and up to $50 for emergency room visits.
  • Open to all beneficiaries regardless of Medicare start date.

When Can I Enroll in a Medicare Supplement Plan?

You’re eligible to enroll in a Medicare Supplement insurance plan in Alaska when you sign up for Original Medicare. All Medicare beneficiaries have a six-month Medigap Open Enrollment Period that starts the month that they are 65 and sign up for Medicare Part B. Beneficiaries can sign up for Part D prescription drug coverage at the same time.

The following guaranteed issue rights are only offered during the initial open enrollment period and select special open enrollment periods:

  • All beneficiaries are guaranteed acceptance into the plan of their choice.
  • All beneficiaries are given the same rates without medical underwriting. Your pre-existing conditions or current health condition will not impact your rate.
  • Insurance companies cannot later cancel the insurance policy unless a beneficiary fails to make monthly premiums.

Average Cost of Medicare Supplement Plans in Alaska

To illustrate the general cost of a Medigap plan in Alaska, the following chart shows rate quotes for a 65-year-old female nonsmoker who lives in Alaska zip code 99501. Our Policy Guides can help you compare plan options and rates for your zip code. You will also need a Medicare Part D plan, which is an additional cost.

65-Year Old Female Non-Tobacco
Plan Type Premium Range
Plan G$116.00 - $145.3
Plan N$100.58 - $105.44

Who sells Medicare Supplement Plans in Alaska?

There are fewer than 20 private insurance companies selling Medigap plans in Alaska. The ideal Medicare insurance company will provide competitive rates and excellent customer service. Each insurer competes with pricing, and there are a few that shine when compared to other Medigap insurance options:

  • Humana
  • Cigna
  • Mutual of Omaha

Ready to learn more?

My Medigap Plans is a rapidly growing resource for Medicare beneficiaries. We specialize in educating consumers on their options and guiding them through the process of plan selection. We work closely with some of the nations top rated carriers such as Aetna, Cigna and Mutual of Omaha. Compare our list of the 10 Best Medicare Supplement Insurance Companies or take a deeper look at the plans by reviewing our Medicare Supplement Plans Comparison Chart. Learn more or about Medicare Part D Prescription Drug plans, or request a Medicare Supplement Plan Quote.

Alaska Medicare Resources

Alaska Enrollment Statistics

Of the 19 organized boroughs and the sole unorganized borough in Alaska, these are the five largest. Many people from these boroughs have Medigap plans in Alaska:

  • Anchorage
  • Matanuska-Susitna
  • Fairbanks North Star
  • Kenai Peninsula
  • Juneau
  • More than 90,000 residents of Alaska had Medicare in 2017. This includes both those who were enrolled in Medicare Part A, Medicare Part B or both.
  • 15 percent of those with original Medicare insurance in Alaska also had Medigap policies in 2015. This included more than 12,300 people who looked for and purchased the best Medicare Supplement insurance plan for their needs.
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