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Medical  Benefits - 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 saves you money with lower out-of-pocket expenses and ultimately, lower employee contributions.  Using preferred providers saves the Plan money with lower medical expenses.  The Plan has different preferred provider arrangements based on location.  An out-of-network penalty is applied when a preferred provider is available and you choose to use a non-preferred provider. Starting May 1, 2015, the Plan has changed its medical PPO Network from MultiPlan to Aetna's Choice POS II. This change to Aetna provides you, your dependents and the Fund with access to discounted pricing from providers that are part of the Aetna network. You may review Aetna's Choice POS II website to find a provider or facility near you.

You may use any physician without penalty.  Out-of-network penalties do not apply to individual physicians; however, using a preferred provider physician outside the State of Alaska will save money.

You are free to use any facility you choose; however, an out-of-network penalty will be applied if you do not use a preferred provider facility.  In all locations, your reimbursement rate will be reduced by 20% of the first $50,000 in covered charges.  In addition, within the Municipality of Anchorage, the allowable amount cannot exceed the amount the preferred provider charges the Plan.  See the individual preferred provider pages for examples.

 Please review the preferred providers appropriate for your location.

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