Health insurances lack of knowledge of the road network and health care system in Alaska cause financial hardships or out-of-state treatment despite of excellent Alaskan doctors. Read about the extra-costs it causes for all insured people as well as the patients.
- Life at the Last Frontier
- Reaching a Doctor May Be a Problem
- Health Insurances Don’t Understand the Distances in Alaska
- Insurance Pays for Out-of-State Treatment Even When It Is More Expensive Than the Out-of-Network In-State Specialist
- Alaskans Pay a Lot Out-of-Pocket despite Having Health Insurance
- Conclusion on the Health Care System in Alaska
Updated: 1/2/2022
Disclosure: This post has affiliate links.
Life at the Last Frontier
Alaska is the Last Frontier. Well, literally, as Alaska is an US state that is less than 2% developed! About 50 miles or so outside of the major cities, you lose cell phone contact, and you need satellite phone. Many of the villages do not have a connection to the Alaska highway network, highways that are basically dirt roads over long stretches with one lane in each direction. For instance, there is no road to Nome.
Nome, for instance, gets their supply by air or barges. If a barge cannot deliver due to harsh weather conditions, a dangerous shortage arise like when a couple of years ago a storm canceled the last fuel delivery before onset of the sea-ice.
Reaching a Doctor May Be a Problem
The rural villages off the road system depend on supply flown in by float planes or bush pilots and/or shipped up the river with little motor boots. These planes also serve to fly out sick people or pregnant women to the next hospital and fly midwives into the villages. Thus, for Alaskans a newspaper headline Woman gives birth on float plane to Ketchikan appears normal. Many rural Alaskan women fly to the next city two weeks before the anticipated delivery. Of course, spending the time in a hotel, and paying for the flight costs a lot. As a result, home delivery is very common.
Read more on how to cope with injury the Alaskan way.
Health Insurances Don’t Understand the Distances in Alaska
When people get sick and their health insurance requires to choose an in-network doctor, things become even worse. In a state that is only 2% developed, the number of specialists is already low. The problem is not to find an excellent specialist. On the contrary, there are doctors who graduated from Harvard, Stanford, UCLA, and alike. They live in Alaska because they want to.
The problem is to find one in the health care system of Alaska, who is in network. Why? The reason is that the high operation costs in Alaska that prohibit these specialists to sign in-network contracts. The number of patients is small and the required equipment is expensive. As a result, the cost of the equipment per patient is naturally higher than in a high populated state like New York or California. This means the Alaskan specialists cannot operate at the same coasts than the specialists in the Lower 48.
Insurance Pays for Out-of-State Treatment Even When It Is More Expensive Than the Out-of-Network In-State Specialist
Often the nearest in-network specialist is out-of-state in Seattle, Washington. For someone in Interior Alaska, this means first flying out on a bush plane to Fairbanks, and then a 3 hours 55 minutes flight on Alaska Airlines from Fairbanks to Seattle. Then there is still the ride to the specialist. All or partly paid by the insurance! The total costs may exceed the extra-costs of the out-of-network Alaskan specialist! This situation is plain absurd!
Once you are away from Alaska it also means that you are in an environment where there are so many people. Can you imagine what it means when you come from a 70 inhabitants village? Some Alaskans never have seen so many people before in their lifetime. It seems like ants. Furthermore, the patients are outside of their family and friends support network. These conditions are stressful, and not beneficial for the healing process.
Out-of-state treatment should be the last resource when no expert exists in state. When the health care system in Alaska has the specialist the treatment should be made in Alaska. No matter whether the doctor is in- or out-of-network with respect to the health insurance.
Alaskans Pay a Lot Out-of-Pocket despite Having Health Insurance
The alternative is to go to a specialist who is outside of the insurance’s network, but in state. Then the insurance pays 200% of the allowable for Medicare, when you are lucky! It means that the patient has to pay the difference between the crumbles the insurance pays and what the real costs that the specialist charges.
Health insurances just don’t understand Alaska. They are not aware that there is a state in the US that is only 2% developed. Alaskans can’t just drive to the next town. It is an 8 h drive from Fairbanks to Anchorage in summer. Add up to 4 hours in winter when the roads are plowed, more when it snows in the Alaska Range. The train from Fairbanks to Anchorage takes 12 hours and only rides during the tourist season (Mid May to end of August). Otherwise it just transports supplies, and military items between these towns and bring coal from the Usibelli mine in Healy that has the cleanest coal on Earth. Flying from Fairbanks to Anchorage is about 1 hour on a propeller plane.
Conclusion on the Health Care System in Alaska
The health care system in Alaska is put into a bad situation by health insurances’ ignorance of the situation in Alaska. Even when you live in Alaska’s largest city, Anchorage (here live about 50% of the Alaskans), when you are sick, you don’t only have the problem to be sick, but also face the problem of very expensive health care as insurances don’t account for the high health care costs and low infrastructure of Alaska. The other problem is that you might get affordable care, but then can’t continue working and miss out on the support of family and friends because you have to leave the state.
Having a chronic disease? Read how bloggers live life to the fullest with chronic disease.
Learn more about life in Alaska. Subscribe to High Latitude Style.
Photos: G. Kramm
© 2013-2022 Nicole Mölders | All rights reserved
