Alaska’s 80th Percentile Rule, a longstanding consumer protection in place since 2004, requires out-of-network health insurers to cover an amount equal to or greater than the 80th percentile of healthcare charges for a given geographic area. In simple terms, insurers must pay the going rate in the community.

If you feel your insurer improperly denied proper payment for your healthcare – leaving you with a large bill – the Alaska State Division of Insurance may be able to help make your insurer pay their fair share. You could be eligible for assistance through a State of Alaska Division of Insurance Appeals Consumer Complaint process.