It is your responsibility to check with the Administrative Office to make certain you have eligibility. Visit the Eligibility & Reciprocity page for more information.

Medical Benefits Overview

Your collective bargaining agreement or special agreement determines which Plan you are in. The Fund offers five different plans. Your co-pays, deductible and covered services vary by plan. When you became eligible, you should have received the Health & Welfare Summary Plan Description (H&W-SPD) and the Summary of Benefits & Coverage for your plan.

If you need help determining your plan(s), please call the Administrative Office at (800) 478-1246 and ask for a Health & Welfare Representative or email: aetfhw@aetf.com. Your Plan is also identified on your health card.

Deductibles and Co-Payments

Most of the medical plans have deductibles that you must pay before the Plan will pay at the specified reimbursement percentage.  To determine your deductible, out-of-pocket maximum, and reimbursement percentage (% payable by the Plan), you may review the Schedule of Benefits for your plan.

Using Preferred Providers

A preferred provider is a health care provider (doctor/clinic/hospital) with whom the Plan has negotiated reduced rates. Using preferred providers can save you money with lower out-of-pocket expenses.

The Trust provides a network of in-state and out-of-state healthcare providers and pharmacies, as well as virtual care, and access to Wellness and Minor Care clinics in Alaska. Most types of medical services are covered; however, all procedures or treatments must be determined medically necessary by a physician.

Avoiding Out-of-Network Penalties
A significant out-of-network penalty is applied when you choose to use a non-preferred provider when a preferred provider is available.


Some procedures may require pre-authorization to be covered. Pre-authorization is a preliminary review of a proposed procedure or treatment to determine whether the procedure or treatment falls within medically necessary guidelines.  The Plan has contracted with Aetna to perform this function.

To pre-authorize your procedure, have your physician or health care provider call Aetna at 1-888-632-3862 option 3.

How to File a Claim

Most health care providers will bill the Plan directly for the services you receive. If they do not, you will need to submit a Medical Dental Reimbursement Form.

Email, fax or mail your completed claim form(s) to the Administrative Office:

Email: aetfhw@aetf.com

Fax: (907) 278-7576

Mail: Alaska Electrical Trust Funds
Attn: Dental Claims
701 E. Tudor, Suite 200
Anchorage, AK 99503

For prompt processing of your claim, make sure that you have an updated Annual Medical/Dental Update Form filed with the Administrative Office.

Find a Provider

Whether you are looking for healthcare, vision care, a dentist or pharmacy – you can potentially save on out-of-pocket costs with a proffered provider.

Forms & Documents

Find forms and documents in one convenient document library. Visit the Forms & Documents page to find forms, notices, and up-to-date documents regarding your benefits.

Frequently Asked Questions

You can find answers to the most frequently asked questions on the FAQ page. If you have further questions, please call the Administrative Office at (800) 478-1246 or email us.

Eligibility, benefit, or other questions?

Call (800) 478-1246 or email Admin Office.