Personal professional enrollment support is available for all of the benefit plans listed on this page. Send your question by e-mail for fast OnlineAdviser response. Limited telephone support (800) 609-0683. Office hours posted daily on Twitter @FreedomBenefits   Most Liberal Eligibility Basic Health Insurance - the least expensive plan in the exchange with the lowest level health benefits Core Health Insurance - the nation's most popular defined benefit health plans with guaranteed acceptance from US Fire Insurance Company Value 24 Hour Accident - up to $10,000 of supplemental health insurance coverage for emergency treatment of injuries at a cost of about $2 per day. Can be used as a stand-alone coverage or added to other insurance. Most Affordable Basic Health Insurance - the least expensive plan in the exchange with the lowest level health benefits Secure Lite STM - the lowest priced major medical insurance for 1 to 12 months Secure Saver STM - $2 million maximum coverage at an ultra-low rate Value Med Insurance - 3 question simple medical eligibility and immediate approval for supplemental doctor and hospital benefits Long Term Major Medical Celticare - well-known renewable individual major medical insurance for discriminating healthy applicants UnitedHealthcare - Golden Rule Insurance, a member of America's largest health plan Dental Insurance Secure DentalOne - one lifetime deductible of $100 and then up to $1,250 per year coverage UnitedHealthOne Dental & Vision - national PPO network of more than 73,000 providers Online Life Insurance Great Start Child Life Insurance - inexpensive permanent insurance that can be gifted by parents and grandparents Guarantee Trust term life Insurance - fast, easy and inexpensive online term insurance coverage up to $250,000 International Term Life - up to $2 million coverage issued by Lloyds online specifically for those who spend time outside of the US Simple whole life insurance - the fastest way to get affordable permanent coverage up to $50,000. Online underwriting, no exam. Smart term life insurance - up to $500,000 coverage directly online without an exam or blood test QuoteIntelligence Term life insurance - find the lowest rates, compare features & eligibility requirements and then apply online with the best insurance companies in less than 30 seconds.

Alaska health insurance exchange Alaska has 13 commercial health insurance companies that issue comprehensive coverage and 7 companies that issue small group insurance as well as a state-sponsored high risk health plan for those who do not meet standard underwriting requirements. Most low cost limited benefit, supplemental and short term insurance plans are available. Premera Blue Cross Blue Shield issues more than 75% of the total health insurance in Alaska. These standard policies may be more expensive than some residents can afford. This Web page lists the most popular low cost commercial health insurance plans and related benefits. All of these policies offer secure online enrollment and professional OnlineAdviser personal enrollment support. Please note that while many of these choices could be included in more than one of the suggested usage categories, each plan is listed only once for the sake of brevity. Your enrollment adviser is available to discuss suitability of any plan for your specific situation. Alaska insurance & benefit news Alaska had the 8th highest health insurance costs of all states in 2008 with an average annual family premium of $13,383. (The average annual premium for a U.S. family covered under an employer-sponsored health plan in 2008 was $12,298 according to The Commonwealth Fund report. The overall quality of health care ranked 30th out of the 51 states (including DC). Alaska regulates the benefits required for both individual major medical and group health insurance plans, known as "mandated benefits". Short Term Insurance American Health Shield - the most popular choice of young adults here at FB Celtic Insurance - competitive rates from a well-known insurer Secure STM - along with its 12 month and 36 month options, this may be the highest quality short term coverage Intermediate Term Inbound Immigrant - up to five years of liberal health insurance coverage after immigration including maternity coverage, emergency and other essential benefits Supplemental Insurance Smart Accident Insurance - supplemental coverage for emergency treatment of accidents and injuries for as little as $20 per month. Can be used as a stand-alone accident plan or to increase other insurance benefits. Value Access Guarantee - everyone qualifies for this plan that pays in addition to any other insurance Alaska Insurance Law The Alaska Department of Insurance Web site contains a section about the Comprehensive Health Insurance Association that serves as an insurer for high risk individuals. Premiums are subsidized by the state and capped at 145% of standard insurance rates. The Alaska Comprehensive Health Insurance Association is available to residents who have been declined for other insurance due to one of the  specifically named medical condition or a person who is HIPAA eligible. A 6 month waiting period applies before pre-existing condition is covered. The waiting period does not apply to a person who is HIPAA eligible.. The state insurance department can be reached by telephone at (907) 465-2515 or by mail at PO Box 110805, Juneau AK 99811. The state children's health insurance plan (CHIP) Web site is Alaska Denali KidCare. Non-insurance Discount Plans Careington PPO Discount Plans - the nation's leading network PPO discount provider allows a no-risk trial of any discount plan for only a $20 processing fee Drug Card America - a free prescription drug card that an be used nationwide Essential Dental Solutions - simple, inexpensive, no waiting period, up to $500 treatment per year Rx Pay Card - $10, $20, or $30 payments for hundreds of popular prescriptions. See International Coverage and Travel Insurance Listings

Alaska Insurance News

2/12/2011 With dozens of health plans choices available online offering a wide range of pricing and benefits, how do you find the best combination of price and benefits? Celtic Insurance realizes that the choices can be overwhelming; the company offers more than 40 possible health plan designs in many parts of the United States. A new feature called "Help Me Choose" lets users easily and quickly select the benefits they value most and narrows the list down to a few of the best choices. No personal information is required other than zip code and date of birth.

2/8/2011 The legislation proposing to implement the state's health insurance exchange closely resembles model developed by the National Association of Insurance Commissioners except that insurance companies would have to be consulted for certain changes that the exchange may consider. The exchange will be run by a board of 12 governor-appointed members representing insurance agents, medical service providers and consumers, insurance companies labor unions and employers. The proposal led by Senator Hollis French is expected to be approved by the legislature largely as proposed.

12/28/2010 The state's pre-existing condition insurance plan attracted only 12 Alaska residents this year despite the government-subsidized premium. This plan provides a health coverage option for consumers who have been uninsured for at least six months, have a pre-existing condition or have been denied health coverage because of their health condition, and are a U.S. citizen or are residing here legally. The federal government pays most of the premium cost. The plan was initially criticized for excessive taxpayer costs but the overall lack of public interest in this insurance was not anticipated. 

12/18/2010 Alaska was one of two states not participating in a conference on the development of government-run health insurance exchange under the American Health Benefit Exchange Model Act. Minnesota's governor (the other state not participating) said that it was a waste of taxpayer money. The meeting reportedly did not address the role of the commercial health insurance exchanges on the implementation of new competing government systems. The model act does not address inter-state insurance exchange proposals nor insurance sales across state lines. Federal officials admitted that they may not be able to provide further guidance until 2012. Meanwhile, most states are motivated to continue to meet requirements to obtain additional funding promised by the federal government for the establishment of insurance exchange by 2014. Freedom Benefits has previously voiced the opinion that the huge amount of money being spent to set up alternate insurance sales system technologies could be better used providing health benefits to the public. We proposed on the Universal Health Insurance blog that adequate commercial insurance sales systems are already in place that could be modified in a public/private partnership to make health insurance more affordable.

5/10/2010 Diabetes Coverage: A new resource to help with health insurance for diabetics in Alaska is available.