by Russell Noga | Updated August 18th, 2023
Medigap policies are essential for seniors that want to reduce their annual healthcare expenses. Original Medicare only covers 80% of your Part A (hospital) and Part B (medical) expenses, leaving you to pay the rest out-of-pocket.
Medigap bridges this gap, ensuring you don’t have to pay a thing. With Medigap, you get better predictability of your annual healthcare expenses for an affordable monthly premium.
Ten Medigap plans are available, all offering a different level of coverage in return for a monthly premium. The average cost of a Medigap policy varies across different providers.
Call us today to get quotes for the monthly cost of Medigap plans.
Our research suggests that the most popular plans have been plans F, G, and N.
This post looks at the best Medicare supplement plans Alaska has to offer. We’ll give you information on the lowest cost provider based on a 65-year-old female nonsmoker.
Use Us to Find the Best Medicare Supplement Plans Alaska
Our fully licensed Medigap agents are available at 1-888-891-0229 for a free consultation and quote.
We deal with all insurers in Alaska, and we’ll get you a free quote on the best rate for any Medigap plan in The Last Frontier.
If you know which Medigap policy you want, try the free quoting tool on our site to get a free quote on any plan.
The Best Healthcare Insurers for Medicare Supplement Plans Alaska
Private healthcare insurers in Alaska sell Medigap plans.
The prices vary between providers, with the following companies offering the best premiums.
- Globe Life
- Humana
- Cigna
- Moda
- Mutual of Omaha
- National General
- Premera
- State Farm
Humana offers you the best rates on Plans G & F, while State Farm has the best deal on monthly premiums for Plan N.
- Best Plan G – Humana
- Best Plan F – Humana
- Best Plan N – State Farm
The Best Provider for Medicare Supplement Plan G Alaska – Humana
11 insurers offer Plan G in Alaska. The average rate across all providers is $139.90 per month.
Humana has the lowest average premiums at $105.10 per month, and State Farm is the most expensive option at an average rate of $158.10 monthly.
Here are the average rates from the best insurers in Alaska, based on a 65-year-old female nonsmoker.
- Humana: $89
- Premera: $93
- State Farm: $108
- UnitedHealthcare: $131
- Cigna: $147
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What Does Plan G Cover?
Plan G has excellent coverage for all out-of-pocket expenses involving Medicare Parts A & B. The only thing it doesn’t cover is the Part B deductible.
It’s the most popular plan with seniors that don’t qualify for Plan F but want near-comprehensive coverage.
- Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits expire.
- Part B coinsurance or copayments.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- Part B excess charges.
- 80% of foreign travel exchange (up to plan limits).
The Best Provider for Medicare Supplement Plan F Alaska – Humana
11 insurers offer Plan F in Alaska. The average market premium for the policy is between $196 to $398 per month, depending on the provider.
Humana has the best deal on Plan F Premiums, averaging $143 monthly.
UnitedHealthcare is the most expensive option, with an average premium of $294.30 per month.
You can save up to $151.30 by going with Humana over UHC for your Plan F policy.
Here are the average rates from the leading insurers in Alaska, based on premiums for a 65-year-old female nonsmoker.
- Humana: $143
- Premera: $183
- Cigna: $279
- UnitedHealthcare: $294
What Does Plan F Cover?
If you were eligible for Medicare before January 1, 2020, you qualify for Medigap Plan F.
This is the only fully-comprehensive Medigap policy, and it even covers the Part B deductible. However, it’s also the most expensive option.
- Part A coinsurance and hospital costs up to an extra 365 days after Medicare benefits expire.
- Part B coinsurance or copayments.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- Part B deductible.
- Part B excess charges.
- 80% of foreign travel exchange (up to plan limits).
The Best Provider for Medicare Supplement Plan N Alaska – State Farm
10 insurers offer Plan N in Alaska. The market average for the policy is $151.90 across all providers.
The cheapest policy is from State Farm, with average premiums of $83 per month.
The most expensive provider is Premera, with average monthly premiums of $151.50.
You can save up to $68.20 by going with State Farm over Premera.
- State Farm: $83
- Cigna: $99
- UnitedHealthcare: $119
- Premera: $152
What Does Plan N Cover?
Plan N covers you for everything in the event of a medical emergency. However, you’ll have to make copayments of $50 at the emergency room (unless admitted into the hospital) and $20 at the doctor’s office.
In exchange for copayments, you get low monthly premiums. It’s a great choice for healthy seniors.
- Part A coinsurance and hospital costs up to an additional year after Medicare benefits expire.
- Blood (first 3 pints).
- Part A hospice care coinsurance or copayments.
- Skilled nursing facility care coinsurance.
- Part A deductible.
- 80% of foreign travel exchange (up to plan limits).
Plan N doesn’t cover the Part B deductible of $226. You also don’t have coverage for excess charges involved with seeing doctors and specialists charging more than Medicare Assignment rates.
You can offset excess charges by using providers charging Medicare-approved rates.
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What Do Plans F, G, & N Not Cover?
Medigap policies don’t cover you for private-duty nursing, stays at long-term unskilled nursing facilities, or your prescriptions.
You also don’t have coverage for preventative treatment like acupuncture, physiotherapy, and chiropractic.
You don’t get coverage for hearing, vision, and dental services, but some providers offer additional plans covering these expenses for an additional premium.
Or they might offer discounted rates on these services if you use select providers in their network.
What are the Best Alternate Medicare Supplement Plans Alaska?
You have options for other less-compressive Medigap plans at more affordable rates.
Our research shows the best provider for Plans A & D is State Farm, Humana is the best choice for Plans B & C, and UnitedHealthcare is the best option for Plans K & L. These average rates are for a 65-year-old female nonsmoker.
- Plan A – State Farm: $89.59
- Plan B – Humana: $121.13
- Plan C – Humana: $218.59
- Plan D – State Farm: $107.44
- Plan K – UnitedHealthcare: $48.96
- Plan L – UnitedHealthcare: $86.08
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Frequently Asked Questions
What are the top Medicare Supplement plans available in Alaska for 2024?
The top Medicare Supplement plans for 2024 available in Alaska include Plan F, Plan G, and Plan N.
What benefits does Plan F offer as a Medicare Supplement plan in Alaska?
Plan F provides comprehensive coverage, including coverage for Medicare Part A and B deductibles, coinsurance, and copayments, as well as excess charges.
How does Plan G compare to Plan F as a Medicare Supplement plan in Alaska?
Plan G is similar to Plan F in terms of coverage, but it does not cover the Medicare Part B deductible. However, it often offers lower premiums than Plan F.
What benefits does Plan N provide as a Medicare Supplement plan in Alaska?
Plan N covers Medicare Part A coinsurance and hospital costs, but it requires a copayment for doctor’s visits and emergency room visits.
Are there any specific Medicare Supplement plans in Alaska that offer coverage for prescription drugs?
No, Medicare Supplement plans do not cover prescription drugs. To get prescription drug coverage, you would need to enroll in a separate Medicare Part D plan.
How can I determine which Medicare Supplement plan is best for me in Alaska?
The best Medicare Supplement plan for you in Alaska depends on your specific healthcare needs and budget. It’s recommended to compare the coverage and costs of different plans to find the one that suits you best.
Can I change my Medicare Supplement plan in Alaska after enrolling in one?
Yes, you can switch Medicare Supplement plans in Alaska, but you may be subject to medical underwriting, which means you could be denied coverage or charged a higher premium based on your health condition.
Are there any discounts or savings available for Medicare Supplement plans in Alaska?
Medicare Supplement plans do not typically offer discounts or savings directly. However, you can compare prices from different insurance companies to find a plan that fits your budget.
Are pre-existing conditions covered by Medicare Supplement plans in Alaska?
Yes, Medicare Supplement plans in Alaska generally cover pre-existing conditions, but it’s important to enroll during your open enrollment period to avoid medical underwriting.
Can I use my Medicare Supplement plan outside of Alaska?
Yes, most Medicare Supplement plans provide nationwide coverage, allowing you to use your plan anywhere in the United States, as long as the healthcare provider accepts Medicare.
