What dispute deadlines should providers track in Alaska?

Accident Notice: Notice to insurer as soon as reasonably practicable; MedPay Claim Submission: Submission within standard policy billing deadlines (typically 1 to 3 years); Claim Determination Window: 30 calendar days from receipt of proof of claim (3 AAC 26.040). Verify the trigger date, current agency notices, and any extension before acting.

Which agencies administer these rules in Alaska?

The guide identifies Alaska Division of Insurance. The correct agency depends on the plan and claim jurisdiction.

Auto Accident, PIP & Medical Billing State Guides

Alaska Auto Accident, PIP & Medical Billing Laws

Alaska operates an At-Fault automobile insurance framework under Title 21 and Title 28 of the Alaska Statutes. Liability is governed by pure comparative fault under AS 09.17.060. Medical providers bill optional first-party Medical Payments (MedPay) and protect receivables by recording statutory medical and hospital liens within 20 days under AS 34.35.450.

Accountability & Review

Reviewed by Millennova Legal Operational Integrity Team, Senior Audit and Arbitration Analysts

Last Reviewed

2026-03-01

Plain-language overview

At-Fault / Traditional Tort (Pure Comparative Fault & Alaska Medical Lien Statutes)

Alaska is an at-fault tort liability state without mandatory Personal Injury Protection (PIP) insurance. Medical treatment for crash injuries is funded through optional first-party Medical Payments (MedPay) coverage, private health insurance, or third-party automobile liability insurance. Under AS 09.17.060, Alaska follows pure comparative negligence, diminishing damages in proportion to the claimant's fault. Healthcare providers, hospitals, and ambulance services protect treatment balances by recording statutory liens in the local recording district under AS 34.35.450.

PIP and MedPay coverage

Optional Med Pay Coverage

MedPay is optional in Alaska (commonly written in limits of $1,000 to $10,000+ per person), providing no-fault reimbursement for reasonable medical, surgical, dental, hospital, and ambulance expenses resulting from an automobile collision

Made Whole Doctrine

Under Alaska common law, an insurer's contractual subrogation right for MedPay benefits cannot be exercised until the insured has been made whole for all damages, and any recovery is subject to pro-rata attorney fees

Assignment Of Benefits

Healthcare providers routinely obtain patient assignments of MedPay benefits for direct claims submission to automobile insurers

Medical fee schedule and reimbursement rules

Name

Reasonable and Customary Fee Standard

Rules

Alaska does not enforce a statutory fee schedule table for motor vehicle accident medical bills outside of workers' compensation. Providers bill standard reasonable and customary charges prevailing in the local medical community for comparable care.

Cpt Basis

CPT/HCPCS itemized coding on standard CMS-1500 or UB-04 billing claims

Preauthorization and utilization review

Requirement

Preauthorization is not required by statute for emergency medical stabilization or initial acute management. Elective surgical interventions and prolonged physical therapy regimens are evaluated under insurer medical necessity guidelines.

Carrier Examinations

Under standard auto policy terms, insurers may request medical records or independent physician reviews to evaluate causal relationship to the motor vehicle collision.

Appeals and dispute resolution

Prompt Payment Statute

Under AS 21.36.125 and 3 AAC 26.040 (Fair Claims Settlement Practices), insurers must acknowledge claims within 10 working days and pay or deny claims within 30 calendar days after receiving complete proof of loss.

Medical Lien Statutes

Under AS 34.35.450 - 34.35.482, hospitals, physicians, nurses, and ambulance providers have a statutory lien upon personal injury claims, settlements, and judgments. The notice of lien must be recorded in the recording district where services were rendered within 20 days after discharge or service, and a copy must be served on the tortfeasor and their insurer.

Dispute Forum

Alaska Superior Court (or District Court for claims up to $100,000) for civil recovery actions.

Claim and dispute deadlines

Deadlines can depend on the trigger event and may be affected by agency relief notices. Confirm the live rule before filing.

Event	Timeframe
Accident Notice	Notice to insurer as soon as reasonably practicable
MedPay Claim Submission	Submission within standard policy billing deadlines (typically 1 to 3 years)
Claim Determination Window	30 calendar days from receipt of proof of claim (3 AAC 26.040)
Recording District Lien Filing	Must be recorded within 20 days after discharge or service (AS 34.35.460)
Statute of Limitations	2 years from accident date for personal injury tort claims (AS 09.10.070); 3 years for contract claims

Documentation checklist

Alaska MedPay Claim Application Form
Executed Assignment of Benefits (AOB) and medical records authorization
Itemized CMS-1500 or UB-04 billing form with CPT/HCPCS codes and ICD-10 diagnostic coding
Contemporaneous medical records, emergency intake documentation, operative reports, and imaging findings
Recorded Notice of Medical Lien with district recorder recording stamp (AS 34.35.460)
Insurer Explanation of Benefits (EOB) or written explanation of claim determination

Responsible agencies

Alaska Division of InsuranceStatewide Regulation of Auto Insurers, Rate Filings & Consumer Inquiries

Primary legal and regulatory sources

Alaska Statutes Title 34, Chapter 35, Article 13 (Hospitals, Physicians, and Nurses Liens)Alaska State Legislature · 2024
Alaska Statutes Title 21, Chapter 36, Section 21.36.125 (Unfair Claim Settlement Practices)Alaska State Legislature · 2024

This operational reference is educational, is not legal advice, and does not create an attorney-client relationship.

Common questions

What rules govern auto accident, pip & medical billing state guides in Alaska?: Alaska operates an At-Fault automobile insurance framework under Title 21 and Title 28 of the Alaska Statutes. Liability is governed by pure comparative fault under AS 09.17.060. Medical providers bill optional first-party Medical Payments (MedPay) and protect receivables by recording statutory medical and hospital liens within 20 days under AS 34.35.450.
What dispute deadlines should providers track in Alaska?: Accident Notice: Notice to insurer as soon as reasonably practicable; MedPay Claim Submission: Submission within standard policy billing deadlines (typically 1 to 3 years); Claim Determination Window: 30 calendar days from receipt of proof of claim (3 AAC 26.040). Verify the trigger date, current agency notices, and any extension before acting.
Which agencies administer these rules in Alaska?: The guide identifies Alaska Division of Insurance. The correct agency depends on the plan and claim jurisdiction.