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New plans and benefits released Oct. 1.

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(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 and there are no prescription drug benefits included in these plans. 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 D, Plan F, Plan G and Plan N. 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 2022 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. 

Choosing a Medigap Policy: A Guide to Health Insurance for People with Medicare

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*.

Why choose HAP

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*.

  • $0 fitness options  - With Peerfit® Move, you'll be able to take advantage of a variety of fitness options such as gyms, studios, online classes as well as at-home FitKits.

  • Take extra care by adding dental and vision benefits to any Alliance Medicare Supplement plan for a low cost. You will have access to the Delta Dental PPO™ and Delta Dental Premier® and Eyemed Insight network providers.

  • Household discount - A $10/month household discount may apply and is not included in rates shown. Household members may be eligible for a discount when they both are enrolled in a HAP Medicare Supplement Plan.

Download the 2022 Medicare Supplement Brochure here.

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Last updated 10/1/2021

*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.

**Services received from a nonparticipating dentist may result in higher out-of-pocket costs. You will be responsible for the difference between Delta Dental’s payment and the amount charged by the nonparticipating dentist.

Delta Dental’s customer service team is available to help members find a dentist and answer benefit questions. Please call 800-524-0149 (TTY users call 711) Monday through Friday, between 8:30 a.m. and 8 p.m.

This is a solicitation of HAP Alliance Medicare Supplement insurance and you may be contacted by a licensed, authorized HAP Medicare salesperson.

Not connected with or endorsed by the United States Federal Government or the Federal Medicare Program.

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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)