What you need to know about  Coronavirus  and  your HAP coverage.

Speak with a licensed Medicare sales representative

8 a.m. to 8 p.m. 

Call Now

(800) 868-9885 (TTY: 711)

HAP Medicare Supplement (Medigap) Plans in Michigan

Medicare supplement plans, also known as Medigap plans, are offered by private companies such as Alliance Health and Life Insurance Company® to help pay some of the health care costs Original Medicare doesn’t cover like copays, coinsurance and deductibles. It only supplements your Original Medicare benefits. You’ll still need to have Medicare Parts A and B.

HAP is here, with six Medicare supplement plans for your unique needs

HAP Alliance Medicare Supplement offers a choice of plans – Plan A, Plan C, Plan F, Plan G, Plan N and new for 2020, Plan D. The benefits of each of these plans are standardized by the federal government. Plan A provides basic benefits. Plans D, F, G and N provide coverage over and above the basic benefits.

Basic benefits include: 

  • Hospitalization: coverage for Medicare Part A daily copays, plus 365 additional days (lifetime) after Medicare benefits end. 
  • Medical expenses: Coverage for Medicare Part B coinsurance (20% of Medicare-approved costs) or copays for doctors’ services, hospital outpatient services and other medical services.
  • Blood: First three pints of blood each year
  • Hospice: Coinsurance for inpatient respite care and copays for hospice outpatient prescription drugs. 

Explore our Outline of Coverage and choose the plan that best meets your needs. Or, you can use our online enrollment tool to compare all HAP plans. 

HAP is here, filling the gaps in Original Medicare 

With Original Medicare, you’re covered for many hospital and medical expenses, but there are some gaps in that coverage you may have to pay; such as deductibles,coinsurance and copays; and those costs can add up quickly:

  • Medicare Part A has an upfront deductible for hospitalization – a deductible you pay each benefit period before your Medicare coverage begins.
  • If you stay in the hospital more than 60 days, you begin paying a copay per day.
  • After 90 days in the hospital, your copay increases.
  • You pay 20% coinsurance for most doctors’ services after you pay your Part B deductible each year.
  • You pay 100% for emergency care received outside the U.S., except under limited circumstances.

With HAP Alliance Medicare Supplement (Medigap) plans, you can fill the coverage gaps listed above and know that you're protected with a plan from Alliance Health and Life Insurance Company (Alliance). With HAP Alliance Medicare Supplement, you have emergency care anywhere in the world. 

HAP is here, with more convenient coverage

With a HAP Medicare Supplement plan, Michigan-based members get worldwide emergency coverage, thanks to HAP’s partnership with Assist America*.

You can also get a $25 gym membership with Active and Fit**.

Why choose HAP

Three reasons to choose a HAP Medicare Supplement plan

  • You can visit any doctor, specialist or hospital that participates in Medicare, anywhere in the U.S. And with a HAP plan, no referrals are necessary or required to see a specialist.
  • Michigan-based members get worldwide emergency coverage, thanks to HAP's partnership with Assist America*.
  • New for 2020, you have access to Active & Fit for $25 a month. This gives you access to 9,000 participating fitness centers nationwide including more than 250 in Michigan**.
Download the 2020 Medicare Supplement Brochure here.

Show me:

View all news
  • Member Meeting Webinar

    Get answers to your specific Medicare plan needs! Learn how your plan works, and all the added benefits available for you to use.

  • Medicare 101 Webinars

    Get real answers to all your questions! We’ll teach you about how Medicare works and give you tips and ideas to make sure you’re ready to go on day

View all events

*Plan C, Plan D, Plan F, Plan G and Plan N - The Assist America program is valid whenever you travel 100 miles or more away from home or outside the U.S. for no longer than 90 days in a row. Assist America does not replace your HAP coverage. You are covered for urgent and emergency care based on your member contract.

**The Active&Fit Direct™ program is provided by American Specialty Health Fitness, Inc., a subsidiary of American Specialty Health Incorporated. Active&Fit Direct and the Active&Fit Direct logo are trademarks of ASH and are used with permission herein.

Copyright © 2019 HAP
2019 Health Alliance Plan of Michigan
Y0076_ALL 2020 HAP Website_M
CMS Accepted 9/29/2019

 Last Updated 9/26/2019

Health Alliance Plan (HAP) has HMO, HMO-POS, PPO plans with Medicare contracts. HAP Empowered Duals (HMO SNP) is a Medicare health plan with a Medicare contract and a contract with the Michigan Medicaid Program. Enrollment depends on contract renewals.

This information is not a complete description of benefits. For more information call Medicare Michigan customer service at (800) 868-9885 (TTY: 711) 8 a.m. to 8 p.m., seven days a week (Oct. 1 – March 31) / 8 a.m. to 8 p.m., Monday through Friday (April 1 - Sept. 30).

You must have Adobe Reader to download PDF files. Download for free.

Contact us

  • HAP Medicare Sales:

    (800) 868-9885 (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)