Coverage when you travel

Head South, and keep the healthcare benefits you love

Now, select individual HMO Medicare Advantage plans come with a travel benefit*.

• Use your HAP coverage while you’re in Arizona, Florida, Texas and Michigan (out-of-area) for up to six months
• Get the same HAP in-network cost-sharing rates as at home
• Get emergency and urgent care without calling HAP for authorization first

To activate your travel benefit, just call Hap Customer Service before you depart. We’re also happy to help you:

• Locate a doctor, hospital or pharmacy
• Get help obtaining authorization for healthcare services as needed

Arizona, Texas and Michigan (out-of-area) is a new benefit for 2020 plans, 2019 plans only extend to Florida. 

HAP and Assist America take the worry out of your travel plans

An urgent or emergency medical condition can be frightening enough without having to worry about medical coverage. That's why many of our HAP Senior Plus^® plans offer worldwide health care coverage for medical emergencies, accidental injuries and urgent care through Assist America.

When traveling 100 miles or more away from home or in another country (for no more than 90 days in a row), Assist America will arrange and pay for all services it provides, such as:

• Critical care monitoring
• Emergency medical evacuation
• Hospital admission support
• Lost luggage or document help
• Medical help
• Pre-trip information
• Prescription help
• Translator and legal help

For more information about Assist America, download our free brochure (PDF).

Help at your fingertips

Assist America's mobile app offers smartphone users a one-touch link to the operations center. Members can place a call by tapping a button on their mobile phone.

• Android users: Download app on Google Play
• iPhone users: Download app in App Store

Log in to your hap.org account and select Assist America in the Quick Links to get your exclusive code to use this service.

A few things to keep in mind:

• Generally, the site where you seek care will ask for your health insurance card and for you to call the number on the back for billing or coverage questions.
• If the doctor or hospital requires immediate payment for services, you're responsible for paying the hospital or doctor.
• Many plans will fully reimburse you for the covered services (please refer to your plan contract) less any copays or coinsurances you're required to pay.
• If you're a HAP Senior Plus member and you're admitted to a hospital not affiliated with us, you or your designee should notify us within 48 hours. We need to follow up on your emergency care. Contact us at the phone number listed on the back of your member ID card.

Please refer to your HAP Senior Plus plan's Evidence of Coverage or your Alliance Medicare Supplement^® policy for complete benefit information.

Medical services reimbursement

If you're a HAP Senior Plus member and would like to request reimbursement, mail a completed Medical Services Reimbursement Form (PDF) along with receipts to:

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Coverage for prescriptions

HAP has more than 2,000 pharmacies in our network – including nationwide chains such as CVS – so it’s easy to find a convenient location near you. In an emergency or urgent-care situation, you also have coverage for drugs purchased at a non-network pharmacy.

HAP will cover your prescription at a non-network pharmacy if at least one of the following applies:

• The prescriptions are related to care for a medical emergency or urgently needed care
• You're unable to obtain a covered drug in a timely manner within our service area because there is no plan pharmacy within a reasonable driving distance that provides 24-hour service
• You're trying to fill a prescription for a covered drug not regularly stocked at an accessible plan retail or mail-order pharmacy

Before you fill your prescription in any of these situations, contact us to see if there’s a plan pharmacy in your area where you can fill your prescription.

If you go to a non-network pharmacy for any of the reasons listed above, you’ll have to pay the full cost (rather than paying just your copay) when you fill your prescription. Once you’ve paid for the medication, you can submit receipts to HAP for reimbursement. In addition to the normal copay, you’ll be responsible for any costs incurred above the HAP-negotiated pharmacy rate.

Only drugs approved by the Food and Drug Administration and sold in the United States qualify for Medicare Part D benefit coverage. All drugs purchased outside the United States, including Canada, are excluded from Medicare coverage.

Pharmacy reimbursement

To request reimbursement for our share of the cost, mail a completed Pharmacy Reimbursement Form (PDF) along with your receipts to:

Have questions?

Send us an email, or give us a call and speak with a licensed HAP Medicare sales representative. Contact us.