All FAQs

What are my options if my employer stops offering health coverage to employees?

If your company drops health insurance for employees, you will be able to buy individual or family coverage, either directly from HAP, or through...

Can I qualify for a subsidy if I have health insurance through an employer?

Most people with job-based health insurance are not eligible for lower costs. You may be eligible if your share of the premium for an...

What happens if I switch to HAP while I'm in active treatment for a condition?

HAP's Continuity of Care program allows members to continue to receive medical care from their current health care provider if you are currently...

Do I need a referral to see a specialist?

HAP does not require you to get a referral to see a specialist in your network for an initial consultation. However, the specialist you visit may...

Will I have to submit claims for any services I receive?

As a HMO member, you will only see a bill for any out-of-pocket costs you may have. For example, if you see your physician for an annual checkup,...

What can I do if I disagree with a coverage or claim related decision by HAP?

Please call Customer Service at the number on your ID card.

Will I have emergency or urgent coverage when I'm away from home?

Yes. Emergencies and urgent care services are covered worldwide. HAP also offers members’ access to Assist America® which provides global...

My job-based health plan is expensive. Can I save money through the Marketplace?

If you have access to health insurance through your employer, you can shop for coverage through the Marketplace, but you will not be eligible for...

What services are included for an OB/GYN visit?

OB/GYN services can include: Pap test Breast exam Mammogram All prenatal visits Standard lab tests Deliveries Ultrasound Care for...

Do I need to inform HAP if I have other health insurance?

Yes. Coordination of benefits involves determining which health insurer or party will be responsible to pay for your health care services first....

Contact us

  • Customer service

    (800) 422-4641




    More options

  • Individual and family plans

    Ready to join?

    (855) 948-4427

    HMO Plans

    (800) 759-3436

    PPO Plans

    (800) 944-9399

  • Insurance through your employer

    Alliance Health and Life Insurance Company®

    (888) 999-4347

    Self-funded / ASO

    (866) 766-4709


    (800) 422-4641

    HAP Midwest Health Plan

    (888) 654-2200

  • Medicare

    Ready to join?

    (800) 868-3153 TTY: 711

    HAP Senior Plus®

    (800) 801-1770 TTY: 711

    HAP Senior Plus® (PPO)

    (888) 658-2536 TTY: 711

    Alliance Medicare Supplement:

    (800) 873-7526 TTY: 711