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Applying/Enrolling/Quotes
• How long does it take to enroll?
• How long will it take to process the enrollment form?
• After I apply, how soon can my coverage be effective?
• Should I cancel my existing coverage?
• Is there an application fee?
• Do I need to submit my premium payment with the online application form?
• What is Medical Underwriting?
• Do you request medical records?
• What is a pre-existing condition?
• I am a current HAP member. Can I convert my coverage to a HAP Personal Alliance Plan?
• What ages are eligible to apply?
• Do you have coverage options for children?
• How do I add a member? What if I have a “life changing” event, like getting married or having a child?
• How do I check on an application I've already submitted or get back to an incomplete application?
• Can HAP ever cancel my policy?
• If I get a new job that offers health insurance, how do I cancel my HAP Personal Alliance policy?
Rates
• Will my rate ever change?
Benefits
• How soon can I see a doctor once I apply?
• Do I have to choose a PCP? How do I get a referral?
• Can I change my coverage anytime?
• Can I add or drop optional benefits at any time?
Payment
• How will you bill me?
• Is there a grace period for payment?
• What happens if I can no longer afford my coverage? Can I cancel and re-apply later?
• Can I change the date funds are deducted from my account?
• Can someone else pay my premium if I am the policy holder?
• How can I update my e-mail address?
Choosing a Benefit Plan Right for Me...
• How does HAP's PPO plan work?
• How is individual health insurance different from insurance through an employer?
• How do I determine if a HAP Personal Alliance HSA plan is right for me?
Health Savings Accounts (HSAs)
• How do I choose an HSA administrator?
Applying/Enrolling/Quotes
How long does it take to enroll?
Enrolling online can take less than 30 minutes and coverage can begin as soon as the 1st or 15th day of the month following acceptance and payment. Visit hap.inshealth.com to enroll today.
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How long will it take to process my application?
The time it takes to process your application depends on your particular situation and medical history. Please note that your coverage does not become effective until we have approved your application, and received payment.
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After I apply, how soon can my coverage be effective?
Coverage is effective on the 1st or 15th of the month following the approval date and receipt of payment. Your effective date depends on how quickly we can complete the underwriting process. We process applications as soon as they are received, but may experience delays in receiving medical records or other requested information.
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Should I cancel my existing coverage?
Do not cancel your current insurance until you are notified that you have been accepted for coverage. If you are currently covered by another carrier, you must agree to discontinue the other coverage prior to or on the effective date of the HAP Personal Alliance plan.
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Is there an application fee?
No, HAP Personal Alliance does not charge an application fee.
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Do I need to submit my premium payment with the online application form?
No, you will need to submit payment information for either a credit card or checking account on your application, but the formal transaction will not occur until you have accepted coverage. This information will then be used to cover your first month's premium and for ongoing payments (if selected).
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What is Medical Underwriting?
Alliance Health and Life Insurance Company (Alliance) individually underwrites each application based on the health history and current health status. Alliance uses your health and medical information to determine the outcome of your application for health coverage, a waiting period for any applicable pre-existing conditions and the premium charged for your coverage under the policy. In some instances, a follow-up medical questionnaire and/or telephone call and/or e-mail may be required to verify information. Medical records may be requested and independent information gathered from other insurance industry entities. Michigan law prohibits genetic testing before issuing, renewing or continuing a policy or certificate in this state. The law also prohibits disclosure of genetic testing as to whether it has been conducted or the results of testing or information.
Note: Short-Term plans are not underwritten.
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Do you request medical records?
As part of the underwriting process we may request your medical records using the information you supplied on your application. Failure to provide complete and accurate information on the application can delay application processing.
Note: Short-Term plans are not underwritten.
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What is a pre-existing condition?
A pre-existing condition is a sickness or bodily injury for which medical advice, diagnosis, care or treatment was recommended or received within the 6-month period prior to the covered person's effective date of coverage. Benefits for pre-existing conditions are excluded for 12 months unless the applicant provides a HIPAA certificate of credible coverage. The certificate of creditable coverage serves to reduce or eliminate the 12-month exclusion for pre-exisiting conditions.
The HAP Personal Alliance short-term products have a five-year pre-existing look-back period. This means that a member who has a medical condition for which a prudent person would have sought medical treatment at any time five years or less before enrolling under this policy will not have coverage for that condition. Creditable coverage does not apply to short-term products.
Individuals under the age of 19 are not denied coverage due to pre-existing conditions.
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I am a current HAP member. Can I convert my coverage to a HAP Personal Alliance Plan?
HAP Personal Alliance plans are voluntary plans that are medically underwritten. If you are interested in a HAP Personal Alliance plan, you must submit a completed application form and you will be medically underwritten, even if you are currently covered under an employer sponsored health plan.
Note: Short-Term plans are not underwritten.
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What ages are eligible to apply?
HIPAA regulations state that a spouse and dependents can be included on the application with the primary applicant. A dependent is defined as between zero days old and age 26. An application for medical underwriting is required for each applicant.
New applicants that are 18 years old and older may enroll as a dependent under their parent's contract prior to the age of 27. Dependents may remain on their parent's Personal Alliance policy indefinitely as long as they have been on the contract prior to the age of 27 years old.
Any dependents that are 27 years old or older that is not currently on his or her parent's contract must apply for coverage under his or her own contract.
The oldest age that someone may apply for Personal Alliance standard products is 64 years and 3 months old. This will ensure that members will be identified and moved in a timely fashion to a product designated for those that are 65 years and older.
For short-term products, the oldest age that someone may apply for coverage is 64 years and 6 months old. A six-month coverage option is available to provide coverage until Medicare eligible.
Children, stepchildren and legally adopted children, who are legally dependent on the primary applicant, are eligible to apply for coverage. An application for medical underwriting is required for each applicant.
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Do you have coverage options for children?
Yes - children, stepchildren and adopted children, who are legally dependent on the primary applicant, are eligible to apply for coverage under their parents or legal guardian's contract. An application for medical underwriting is required for each applicant.
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How do I add a member? What if I have a “life changing” event, like getting married or having a child?
If you need to add/remove a member, please contact our Client Services department at the number listed on your ID card or e-mail us at yourhap@hap.org.
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How do I check on an application I've already submitted or get back to an incomplete application?
To check the progress of your application or continue where you left off, Just go to www.hap.org/healthinsurance/personalalliance/individual_family.php and click on the “Application Status” link in the page footer. Since your application is password-protected, you'll need to enter the log-in information provided when you started the application.
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Can HAP ever cancel my policy?
If you made false statements on your application, filed fraudulent claims, obtained duplicate coverage or failed to pay your premiums on time, HAP can cancel your policy. HAP cannot cancel your policy because of your health or claims.
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If I get a new job that offers health insurance, how do I cancel my HAP Personal Alliance policy?
You can cancel at any time, providing 30 days for processing. Simply e-mail your cancellation request to yourhap@hap.org. The request should include your HAP ID and/or group number, along with the requested date of termination.
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Rates
Will my rate ever change?
Rates are guaranteed for 12 months. Upon renewal, adjustments may be made when necessary, but are not based on your personal claims experience. We do not look at the claims experience of any one insured. In order to determine if a rate adjustment is necessary we do review the trends in claims across all members with coverage similar to yours. Spreading the cost to all insured within a group is the principle behind insurance. HAP Personal Alliance will provide at least 30 days notice before any rate modification.
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Benefits
How soon can I see a doctor once I apply?
You can see a doctor on the first day you are effective for your HAP Personal Alliance plan. Remember, coverage is effective on the 1st or the 15th of the month following acceptance and payment.
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Do I have to choose a PCP? How do I get a referral?
HAP Personal Alliance plan designs do not require you to be assigned to a PCP or obtain a referral to see your doctor or specialist.
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Can I change my coverage anytime?
A member cannot come in and out of coverage multiple times within a year. If a member was enrolled in a Personal product within the past 12 months, they cannot drop and add coverage within the same benefit period.
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Can I drop or add optional benefits anytime?
Vision
Members can drop or add vision coverage only upon renewal.
Members may not re-enroll in a vision product for one year following cancellation of their vision coverage. Should the member re-enroll after the one year period; any subsequent termination of vision coverage will make them ineligible to enroll in a vision product going forward.
Prescription
Members can drop or add drug coverage only upon renewal. Members may not re-enroll in prescription drug coverage for one year following cancellation of their prescription drug coverage. Should the member re-enroll after the one-year period; any subsequent termination of prescription drug coverage will make them ineligible to enroll in a prescription drug product going forward.
Members may move to a lesser prescription drug plan any time during the benefit year. One downgrade is allowed per benefit period.
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Payment
How will you bill me?
No need to worry about paying your bill on time, we make it easy for you! We do not send a bill, we transfer funds from your checking account or charge your credit card. The more automated the process the less time you have to spend worrying about your bills. When you are accepted for a HAP Personal Alliance plan, you will know the exact amount of money and approximate day it will be withdrawn from your bank account or applied to your credit card each billing period.
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Is there a grace period for payment?
No. Your health care plan is a pre-paid account. Health Alliance Plan will collect your premium dollars automatically from either your credit card or your bank account. In the event that the money is not available, your policy will be canceled due to non-payment.
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What happens if I can no longer afford my coverage? Can I cancel and re-apply later?
You can cancel at any time, providing 30 days for processing. You can choose to re-enroll at a later time, subject to medical underwriting and approval. However, A member cannot come in and out of coverage multiple times within a year. If a member was enrolled in a Personal product within the past 12 months, they cannot drop and add coverage within the same benefit period.
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Can I change the date funds are deducted from my account?
No, Health Alliance Plan will collect monies from your account on a pre-determined date.
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Can someone else pay my premium if I am the policy holder?
The financial information provided on the member application can be someone other than the person insured as long as the account is verified and in good standing.
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How can I update my e-mail address?
HAP Personal Alliance members can update their e-mail address on file by sending an e-mail to yourhap@hap.org or contact our Client Services department at the number listed on your ID Card.
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Choosing a Benefit Plan Right for Me...
How does HAP's PPO plan work?
In general, a PPO (Preferred Provider Organization) plan is offered by insurers who have a network of health care providers contracted to provide services at a discounted rate. A PPO plan offers you the freedom to continue using your family doctor or any other doctor you prefer. However, if the doctor or hospital you choose is not in HAP's PPO network, HAP will cover a smaller portion of the total costs.
You'll have an annual deductible to pay before HAP starts covering your medical bills. You may also have a copayment for certain services and be required to cover a certain percentage of the total charges for your medical bills.
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How is individual health insurance different from insurance through an employer?
Insurance you get through an employer is called “group” health insurance, meaning the rates are determined based on everyone in the group. Individual and family health insurance rates are calculated much like your car insurance – they're based on the people covered. HAP Personal Alliance quotes take into consideration your age, gender, tobacco use, health status and other factors.
We encourage you to get a quote and see for yourself - you may be surprised to find out how affordable a HAP Personal Alliance health plan can be! And with our initial rate guarantee, you can rest assured that your premium won't change during the first 12 months you're covered.
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How do I determine if a HAP Personal Alliance HSA plan is right for me?
A lot of factors go into that decision, including plan choice, health care spending, and your personal preferences. We encourage you to check out our Webs ite www.hap.org/healthinsurance/personalalliance. After you read about how the plan works and compare the plan features, simply do the math. Review the Summary of Benefits for each plan to find your potential out-of-pocket costs, and then get a quote.
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Health Savings Accounts (HSAs)
How do I choose an HSA administrator?
While you may open an HSA with any institution of your choice, we have arranged for you to establish your HAP Personal Alliance HSA health plan and initiate the process of opening an HSA with the ACS/Mellon HSA Solution Financial all in one easy step.
Fill out the Request for a Health Savings Account (HSA) - AUTHORIZATION FORM within your HAP Personal Alliance application form.
Mellon will then send you a Welcome Kit which includes information about the HSA and account terms and conditions, and a signature card that you will need to sign and return to Mellon.
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