Needless to say, finding an Alaska health insurance quote is a much different process than it is in the lower forty-eight. For one, if you live a small town that has only one doctor or a small city that has only one hospital, managed care health plans with doctors and hospitals that are "in-network" or "out-of-network" are either nonsensical or no-brainers, depending on the network status of these sole option health care services. But, on another level, health insurance in Alaska is exactly the same as it is anywhere else in that it provides financial protection and access to health care services. Nobody should have to worry about losing their home, retirement savings, or filing for personal bankruptcy while the well-being of their loved one hangs in the balance in the next room. With this in mind, here's what you need to know not just to find health insurance in Alaska, but finding insurance that works for you and your family.
Alaska Health Insurance Overview and Online Resources
What's interesting about Alaska health insurance is that, in some ways, health coverage very closely resembles the national average and, in other ways, is dramatically different. According to 2008 data from the Centers for Medicare and Medicaid Services (CMS), 52.0 percent of residents have health coverage through their employer (compared to 52.3 percent nationwide) and 4.2 percent of residents have coverage through the individual market (4.7 percent, nationwide). Meanwhile, only 6.8 percent of residents have coverage through Medicare (compared to 12.4 percent), as the state has fewer elderly residents. However, the state has almost four-and-a-half times the percentage of residents (1.2 vs. 5.6 percent) who have health coverage through some form of public assistance other than Medicare or Medicaid.
For more information concerning what public assistance and other health coverage programs are available through the state government, use this link. For more general information about Alaska insurance, try this online consumer guide. Finally, to see how federal health care reform stands to impact, use this governmental resource.
Choosing an Alaska Health Insurance Quote
In general, you get what you pay for, but choosing a specific health insurance policy is no simple task. Trying to balance painfully expensive premiums with out-of-pocket costs that also threaten to bankrupt you may epitomize a Catch-22. Even the out-of-pocket costs can involve a bit of gambling between raising deductible levels and lowering benefit caps. These decisions become even more difficult if you or a family member is likely to need substantial or ongoing medical treatments this year. While these decisions may boil down to choosing your poison, there are others that are more clear-cut and can't be ignored. You want to choose a health insurance company that is licensed, in good financial standing, and able to address consumer complaints. You also need to watch out for exclusions of specific illnesses that may yet befall you or your family members.
Finding an Affordable Alaska Health Insurance Quote
Choosing the most affordable Alaska health insurance quote first requires that you find the most affordable quote, and that's NetQuote is for. Our reliable online referral service connects you with licensed insurance companies writing policies in your area. It takes just minutes to submit a free request for quotes. The process allows you to confidently and carefully consider various health insurance options from the comfort of your own homestead. And it lowers costs not only by creating a reliable and efficient way to do some comparison shopping, but online quotes lower overhead costs for insurance companies, savings which must, in part, be passed on to customers for companies to stay cost-competitive.