Insurance in Anchorage
Data source: US Census year 2000
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Uninsured in Anchorage Borough
Anchorage is the county seat of Anchorage Borough.
One out of ten people in Anchorage Borough (14.3%) lack health insurance. In the state of Alaska, 15.6% are without.
Among the population under 18 years in Anchorage Borough, 10.7% are uninsured, while the figure for Alaska is 13.1%.
in 2005, 85% of Americans had some medical expense, spending on average $1,166.
Crime and Safety in Anchorage
Cities are generally less safe to live in than small towns. Violent crime in Anchorage is 96.4% higher per capita, than in the U.S. as a whole. The per-capita rate of property crime in Anchorage is 26.1% higher than nationally.
There are 1915 people living in restricted group quarters such as correctional facilities, nursing homes, and mental hospitals in Anchorage (1% of the population).
Accidents
Commuting to work is a fact of life for most Americans. In 2000, 89% of Anchorage residents drove to work, and 2% used public transport. 3% walked to work, and 1% rode a bicycle. While keeping active is vital for good health, unprotected forms of transportation also puts you at greater risk in traffic.
In the United States, 10% or Emergency Room visits in 2005 was due to traffic accidents. The most common injury was due to falls, totalling 21% of ER visits.
Anchorage, Alaska Health Insurance
With a health insurance plan, your medical costs will be reduced, and a plan that includes regular checkups lowers your likelihood of developing serious health problems. As an added bonus, doctors charge people with health insurance less, since insurance companies negotiate discounts.
Getting an individual health insurance plan doesn't have to be expensive and complicated. With average premiums for single coverage reaching $373 per month ($4,479 annually) in 2007, and familty premiums soaring to $1,009 per month ($12,106 annually), the incentive to find cheap alternatives is higher than ever. Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.Yougotinsured.com is dedicated to help you find ways to save, while retaining the security of a high coverage level.
One way to pay smaller premiums is to sign up for a high-deductible health plan (HDHP), an alternative gaining popularity among employers who offer health benefits.
While most Americans have health insurance coverage through their employer, there are trends in the opposite direction. As the economy transforms, and employers rely more on part-time and contract labor, fewer employees are eligible for health benefits. Among firms who offer health benefits, 79% of workers were eligible in 2007. Among both firms that offer and don't offer health benefits, a total of only 59% of workers were actually covered by their employer.
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Local Health Insurance Agents in Anchorage, Alaska
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Alaska Comprehensive Health In
(888) 290-06162550 Denali St.
Anchorage, Alaska 99503 -
Arthur C Mathias Ins Agcy Inc - State Farm Insurance Agent
(907) 563-31883900 Arctic Blvd Ste 102
Anchorage, Alaska 99503-5780 -
Benefits, Inc.
(907) 273-66043212 Greenland Dr.
Anchorage, Alaska 99517 -
Cantor, David L - State Farm Insurance Agent
(907) 345-02141330 Huffman Rd Ste E
Anchorage, Alaska 99515-3597 -
Dorsey, Arthur N - State Farm Insurance Agent
(907) 522-12319191 Old Seward Hwy Ste 3B
Anchorage, Alaska 99515-2032 -
Employee Benefits of Alaska
(907) 276-2261308 G St # 224
Anchorage, Alaska 99501-2135 -
Evans, William K - State Farm Insurance Agent
(907) 276-2424805 Gambell
Anchorage, Alaska 99501-3756 -
Helin, Raelene R - State Farm Insurance Agent
(907) 277-22331417 W Northern Lights Blvd
Anchorage, Alaska 99503-2307 -
Herb Schlereth Ins Agency Inc - State Farm Insurance Agent
(907) 277-5548225 E Fireweed Ln Suite 101
Anchorage, Alaska 99503-2110 -
Karen Griggs Ins Agency Inc - State Farm Insurance Agent
(907) 561-77714200 Old Seward Hwy Ste B-4
Anchorage, Alaska 99503-6064 -
May, Penny W - State Farm Insurance Agent
(907) 274-2060111 W 6th Ave
Anchorage, Alaska 99501-2527 -
Plooy, Thomas R - State Farm Insurance Agent
(907) 333-65752900 Boniface Suite 100
Anchorage, Alaska 99504-3132 -
Saario, Cathryn L - State Farm Insurance Agent
(907) 272-6442545 E Northern Lights Blvd
Anchorage, Alaska 99503-2839 -
Sanders, Lisa E - State Farm Insurance Agent
(907) 344-05068427 Laviento Dr
Anchorage, Alaska 99515-1915 -
Sayer, Ron D - State Farm Insurance Agent
(907) 333-41315600 Debarr Rd Suite 140
Anchorage, Alaska 99504-2300 -
Schallock-Roy, Stacey A - State Farm Insurance Agent
(907) 345-05059220 Lake Otis Parkway
Anchorage, Alaska 99507-4249 -
Stephan, Timmothy A
(907) 522-52339220 Lake Otis Pkwy Unit A-6
Anchorage, Alaska 99507 -
Steve VanHorne Ins Agcy Inc - State Farm Insurance Agent
(907) 561-0000510 W Tudor Rd Ste 1
Anchorage, Alaska 99503-6649 -
Strike, David J - State Farm Insurance Agent
(907) 562-27212213 E Tudor Rd Ste 54
Anchorage, Alaska 99507-1067 -
Turinsky Anthony C - State Farm Insurance Co
(907) 563-29602932 C St
Anchorage, Alaska 99503-3912
Glossary of Terms
- Coinsurance
- amount you have to pay for medical care in a fee-for-service plan after you have reached the deductible. The coinsurance rate is usually written as a percentage. For example, if the insurance company pays 80 percent of the claim, you pay 20 percent.
- Coordination of Benefits
- A system to eliminate duplication of benefits when you are covered under more than one group plan. Benefits under the two plans usually are limited to no more than 100 percent of the claim.
- Copayment
- Another way of sharing medical costs. You pay a flat fee every time you receive a medical service (for example, $5 for every visit to the doctor). The insurance company pays the rest.
- Covered Expenses
- Most insurance plans, whether they are fee-for-service, HMOs, or PPOs, do not pay for all services. Some may not pay for prescription drugs. Others may not pay for mental health care. Covered services are those medical procedures the insurer agrees to pay for. They are listed in the policy.
- Customary fee
- Most insurance plans will pay only what they call a reasonable and customary fee for a particular service. If your doctor charges $1,000 for a hernia repair while most doctors in your area charge only $600, you will be billed for the $400 difference.
- Deductible
- The amount of money you must pay each year to cover your medical care expenses before your insurance policy starts paying.
- Exclusions
- Specific conditions or circumstances for which the policy will not provide benefits.
- Fee-for-Service
- The insurer only pays for part of your doctor and hospital bills. This is the traditional kind of health care policy. Insurance companies pay fees for the services provided to the insured people covered by the policy. This type of health insurance offers the most choices of doctors and hospitals.
- HDHP
- High-Deductible Health Plan. With this type of plan, you pay a smaller premium, but have to pay a larger amount out of your own pocket when you use medical services.
- HMO
- (Health Maintenance Organization): Prepaid health plans. You pay a monthly premium and the HMO covers your doctors’ visits, hospital stays, emergency care, surgery, checkups, lab tests, x-rays, and therapy. You must use the doctors and hospitals designated by the HMO.
- Institutionalized
- People under formally authorized, supervised care or custody in institutions (for example, correctional facilities, nursing homes, and mental hospitals). Generally, restricted to the institution, under the care or supervision of trained staff, and classified as "patients" or "inmates."
- Kaiser
- Figure refers to employer-based health insurance. Individual plans may be more expensive. ("Employer Health Benefits 2007 Annual Survey" (#7672), The Henry J. Kaiser Family Foundation & HRET, September 2007)
- Managed Care
- Ways to manage costs, use, and quality of the health care system. All HMOs and PPOs, and many fee-for-service plans, have managed care.
- Maximum Out-of-Pocket
- The most money you will be required pay a year for deductibles and coinsurance. It is a stated dollar amount set by the insurance company, in addition to regular premiums.
- Noncancelable Policy
- A policy that guarantees you can receive insurance, as long as you pay the premium. It is also called a guaranteed renewable policy.
- PPO
- (Preferred Provider Organization): A combination of traditional fee-for-service and an HMO. When you use the doctors and hospitals that are part of the PPO, you can have a larger part of your medical bills covered. You can use other doctors, but at a higher cost.
- Preexisting Condition
- A health problem that existed before the date your insurance became effective.
- Premium
- The amount you or your employer pays in exchange for insurance coverage.
- Primary Care Doctor
- Usually your first contact for health care. This is often a family physician or internist, but some women use their gynecologist. A primary care doctor monitors your health and diagnoses and treats minor health problems, and refers you to specialists if another level of care is needed.
- Property crime
- Property crime includes burglary, larceny-theft, motor vehicle theft, and arson. The objective of the theft crimes is the unlawful taking of money or property, and does not include use or threat of force against the victims.
- Provider
- Any person (doctor, nurse, dentist) or institution (hospital or clinic) that provides medical care.
- Race
- Race is a self-identification data item in which respondents choose the race or races with which they most closely identify. [US Census]
- Single Coverage
- Health insurance that covers medical expenses for one person.
- Third-Party Payer
- Any payer for health care services other than you. This can be an insurance company, an HMO, a PPO, or the Federal Government.
- Violent crime
- Violent crime includes four offenses: murder and nonnegligent manslaughter, forcible rape, robbery, and aggravated assault. Violent crimes involve force or threat of force.
Anchorage Facts
Data source: US Census year 2000
Population
Population in Anchorage is 278,700.
90% of Anchorage residents are White, 70% are African-American, 6% are Pacific Islander, 6% are Native American, 5% are Asian, 2% are a mix of two or more races, and 1% are of some other race.
Economy
The median income in Anchorage is $41,423 for men, and $26,853 for women.
Compared to the typical person in the state of Alaska, a resident of Anchorage makes 14.6% more. The trend for Alaska is that the median income is increasing. (2006)
13,172 people (5% of the population) were living on an income below the poverty level as of 2006. The poverty in Anchorage was increasing compared to the year before.
The typical home is worth $252,300. 22% of Anchorage homeowners own their home outright, paying typically $577 per month in owner costs. Among those with a mortgage (78% of homeowners), the median monthly owner cost is $1,782. (2006)
Housing
There are a total of 110,284 homes in Anchorage. Of these, 891 were for sale, and 2,071 homes were available to rent in 2006. 62,503 (61%) were owner-occupied, and 39,779 (39%) were occupied by renters. (2006)
Age
The median age for men in Anchorage is 32, and in Alaska the average man lives to be 74. The median age for women in Anchorage is 34, and women in Alaska live to be 79, on average. (2006)
Education
The education level in Anchorage is high compared to the national average.
Among men over 25, 39% has a college degree, and 27% has some college. Out of the men that didn't study in college, 74% graduated from High School, and 26% dropped out.
Among women over 25, 42% has a college degree, and 26% has some college. Out of the women that didn't study in college, 70% graduated from High School, and 30% dropped out. (2006)
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