Applying Directly with Premera

  • Apply by mail for coverage directly through Premera:

    1. Complete the paper application
    2. Provide proof of residence for the primary applicant, which means the following:

      • A valid Alaska driver's license, state-issued identification card, tribal or military identification that includes the applicant's photograph and residential address.

      • Plus any one of the following documents:

      • Current lease or rental agreement
      • A filed property deed or title for your current residence
      • Home utility bill (such as gas, electricity, water, garbage, landline telephone, or cable) or hook-up work order dated within the past 60 days.
      • Voter registration card
      • Plus any one of the following documents:

      • Latest credit card statement or bank statement
      • Professional license (nurse, physician, engineer, etc.)
      • A professionally-filed tax return or filed copy sent to you by the IRS for the most recent tax filing year
      • IRS W-2 form for the most recent tax year
      • Current paystub from employer
      • A complete copy of each document must be submitted. All documents must show the applicant's full name and current residential address. A post office or mail delivery address is not acceptable.

    3. Then mail the application and proof of residency to:
      Premera Blue Cross Blue Shield of Alaska
      PO Box 327, MS 295
      Seattle, WA 98111-0327

    Applying for coverage through the Federal Exchange

    If your clients qualify for health plan bill credit assistance, cost share reduction plans or American Indian/Alaska Native plans, they will want to enroll in a plan through the federally facilitated marketplace (FFM) at Healthcare.gov.

    Clients who do not qualify for assistance can also apply through the FFM at Healthcare.gov

    For more information about an online tool that will let you enroll your FFM clients in just a matter of minutes, please contact Producer Support at producer.support@premera.com or 877-205-9725.

    Is your client eligible to apply?

    Individuals eligible to apply for a Premera plan if they are:

    • A resident of and have a principal residence in the state of Alaska
    • Not entitled to Medicare A or B (including entitlement due to disability), or a Medicare Choice or Medicare Advantage plan.
    • Applying during an open enrollment period or when they have a qualifying event

    Eligible dependents that can enroll on a plan include:

    • Spouse or domestic partner
    • Natural or legally adopted child(ren) under the age of 26
    • Children under age 26 when you or your spouse are the legal guardian
    • A legally placed ward of the subscriber or spouse (including foster children)

    Open Enrollment periods

    The open enrollment period to buy a 2016 individual health plan ended on January 31.

    Your clients currently enrolled on a Premera grandfathered or non-grandfathered plan can remain on that plan or enroll in a plan that complies with the Affordable Care Act during the open enrollment periods for 2016.

    Qualifying events

    Individuals are eligible to apply for coverage outside of the annual open enrollment period only when they have a qualifying event.

  • Qualifying event:

    The birth, placement for adoption, or adoption of the applicant for whom coverage is sought. For Qualified Health Plans (QHPs), this also applies to children placed in foster care, legal wards, guardianship, or medical support orders.

    Required documentation:

    • Copy of birth certificate
    • Copy of the adoption papers
    • Copy of foster care papers
    • Copy of medical support order
    • Copy of the court order appointing a guardian

    Qualifying event:

    The COBRA coverage period ends (usually after 18 months), or the individual has exceeded the lifetime limit in the plan, and no other COBRA coverage is available.

    Note: Voluntary termination of COBRA is not a qualifying event. If you terminate or stop paying for your COBRA, you must wait for the next Open Enrollment Period to apply.

    Required documentation:

    A letter from your employer or COBRA administrator indicating that the loss of COBRA coverage was because you exhausted the COBRA period or exceeded the lifetime limit in the plan. The letter must also state that no other COBRA coverage is available.

    Qualifying event:

    Marriage or entering into a domestic partnership, including eligibility as a dependent.

    Required documentation:

    Copy of marriage certificate, or a Declaration of Domestic Partnership (a Declaration of Domestic Partnership form can be found on our website at premera.com)

    Qualifying event:

    The loss of coverage as the result of dissolution of marriage or termination of a domestic partnership.

    Required documentation:

    A copy of divorce decree or annulment papers and a letter from the prior health plan, or a statement (including the date) the domestic partnership ended, and a letter from the prior health plan.

    Qualifying event:

    Loss of minimum essential coverage, including loss of employer-sponsored insurance coverage (except for voluntary termination of health coverage, misrepresentation, or fraud).

    Required documentation:

    Your COBRA offer letter or a letter from your employer listing each applicant who experienced a loss of coverage AND the reason for termination of health coverage

    Qualifying event:

    Loss of coverage as the result of the death of an employee.

    Required documentation:

    A COBRA offer letter or a letter from your employer indicating a loss of coverage was due to the death of an employee.

    Qualifying event:

    Termination of employer contributions for coverage other than COBRA.

    Required documentation:

    A letter from your employer indicating that the loss of coverage is due to the termination of employer contributions.

    Qualifying event:

    Loss of coverage as the result of a termination in employment or reduction in hours.

    Required documentation:

    Your COBRA offer letter or a letter from your employer that indicates the loss of coverage is due to termination in employment or a reduction in hours.

    Qualifying event:

    A loss of Medicaid or other public program providing health benefits.

    Required documentation:

    A Letter from Medicaid or other program indicating ineligibility or loss of coverage.

    Qualifying event:

    A qualified individual or enrollee gains access to new Qualified Health Plans (QHPs) as a result of a permanent move.

    Required documentation:

    Utility bills from your prior address and new address from within the last 90 days.

    Qualifying event:

    A situation in which a plan no longer offers benefits to the class of similarly situated individuals that includes the applicant.

    Required documentation:

    A letter from the prior health plan indicating loss of coverage is due to not being in a class of similarly situated individuals.

    Qualifying event:

    Loss of coverage as a dependent on a group plan due to age.

    Required documentation:

    A letter from employer or insurance health plan indicating the loss of coverage is due to age.

    Qualifying event:

    Loss of minimum essential coverage, including loss of employer-sponsored insurance coverage (except for voluntary termination of health coverage, misrepresentation, or fraud).

    Required documentation:

    Your COBRA offer letter or a letter from your employer listing each applicant who experienced a loss of coverage AND reason for termination of health coverage.