Each Medicare plan offers different benefits that are attractive to different people, depending on their personal circumstances and their medical needs and concerns. There are several factors you’ll want to consider as you decide what’s right for you.

Alliance Medicare Supplement plans

• Help cover the gaps in Original Medicare
• Help protect your savings by paying some of the costs of Medicare-covered services (co-insurance, copays, and deductibles)
• Give you the freedom to use any Medicare-participating doctor
• Offer the flexibility to add prescription drug coverage with Alliance Medicare Rx

Alliance Medicare Rx plans

• Help save you money on the medicines you take
• Help protect you from higher drug costs in the future

HAP Medicare Advantage plans

• Combine all your Medicare benefits, including prescription drug coverage if you want it, in one, easy-to-use plan — and then add additional benefits not covered by Medicare
• With HAP Senior Plus HMO, you choose a Personal Care Physician (PCP) who works closely with you to monitor your health and coordinates all your care
• Alliance Medicare PPO gives you flexibility and the freedom to see any Medicare-participating doctor you choose, without a referral

What’s most important to you?

Use the following chart to quickly compare the Medicare Solutions we offer, and get a good idea of the type of plan that is most likely to meet your individual needs.

	Medicare Supplement	Medicare Part D	Medicare Advantage Plans
	Alliance Medicare Supplement	Alliance Medicare Rx	Alliance Medicare PPO	HAP Senior Plus HMO
Monthly plan premium	From $126 to $169 (age 65)	From $35 to $64	From $48 to $142	From $35 to $119
Prescription drug coverage			*	*
Network of doctors and hospitals		pharmacy only	optional
Personal Care Physicians			optional
Low/no copays
Hospital coverage
Preventive care benefits
Vision care
Eyeglasses (subject to limitations)
Hearing aids (subject to limitations)
Health and wellness programs including flexible health options benefit
Optional dental benefits (with additional premium)
Web-based health support tools
Worldwide emergency /urgent care coverage	*

*With select plans

Our Medicare contract is renewed annually. The availability of coverage beyond the end of the contract year is not guaranteed. You must continue to pay your Medicare Part B premium if not otherwise paid for under Medicaid or by another third party.

Important information

• HAP Senior Plus and Alliance Medicare PPO are health plans with a Medicare contract.
• HAP Senior Plus members must use providers within their Personal Care Physician’s network for all routine care. Coverage for specialist services requires a referral from your Personal Care Physician, with some exceptions. If you choose to go to a doctor outside our network for routine care, you must pay for the services yourself. Neither HAP nor Original Medicare will pay for these services.
• You’re eligible to join HAP Senior Plus if you are enrolled in Medicare Part A and Part B, and you reside within the plan’s service area. For HAP Senior Plus — Henry Ford Health System Network, the service area includes Wayne, Oakland, and Macomb counties. For HAP Senior Plus — Expanded Network, the service area includes Wayne, Oakland, Macomb, Genesee, Lapeer, Livingston, Monroe, St. Clair, and Washtenaw counties.
• PPO is a product of Alliance Health and Life Insurance Company, a wholly owned subsidiary of HAP. Alliance Medicare PPO members can choose between in-network and out-of-network providers. Services received for routine care from Medicare-participating providers outside of our network will generally cost more (i.e., have higher copay and co-insurance costs) except in emergency or urgent care situations.
• Alliance Medicare Rx is a prescription drug plan with a Medicare contract. You’re eligible to join Alliance Medicare Rx if you have Medicare Part A or Part B and you reside within the plan’s service area, which includes the entire state of Michigan.