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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.

2024 Medicare Supplement Product Brochure

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 2024 Outline of Coverage to choose the plan that best meets your needs. Or, you can use our online enrollment tool to compare all HAP plans. 

HAP fills 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

Supplement Plans

See plans ({count})
Plan Name
In Patient Hospital Visits
Part A $1600 Deductible
Part B $226 Deductible
Part B Excess Charges
Prescription Drug Coverage
Household Discount
Service Area

* Plans C and F aren't available to people who are newly eligible for Medicare on or after Jan. 1, 2020.

** Plan G pays 100 percent of Part B Services except the Part B deductible.

***Plan N pays 100 percent of Part B Services except Part B deductible and excess charges. Member pays up to $20 copay for doctor's office visits and up to $50 for emergency room visits.

****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.

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.

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

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)