Coverage for dependents

Peace of mind with the Students Away at School Program

We provide full coverage for your children and other dependents as part of your employer-provided plan.

Children ages 17 to 25 on your plan who are off at school are covered through our Students Away at School Program. They’re protected whether they’re studying down the road or across the country.

While your student is outside of HAP’s service area, authorization is needed for all services, except emergency or urgent care. To obtain authorization for treatment or services, please contact a HAP Students Away coordinator by calling (248) 557-6271 or by email us at StudentAway@hap.org.

What the Students Away at School Program doesn’t cover

When your student is away at school, they are only covered for certain services. That’s why it’s important to take care of your other medical needs while they're at home. They must get the following routine services at a doctor or facility in HAP's service area or they won't be covered by your HAP health insurance:

• Complete physical examinations – including gynecology exams.
• All elective surgery or hospitalizations.
• Eye examination (e.g., eyeglasses, contact lenses).
• OB-GYN services for pregnancy.
• Doctor office visits.
• Long-term physical or occupational therapy.
• Treatment for complex or chronic medical conditions. This includes, but is not limited to, radiation therapy, chemotherapy, stem cell transplants, organ transplants and extensive evaluations for diagnosis purposes. A chronic condition has a long duration or recurs frequently.
• Testing for tuberculosis.
• Vaccinations required by your school or only for travel purposes.
• Sports medicine services.
• Nonemergency dermatology services.

Please note: We don’t cover dependents who live with a parent outside our service area under the Students Away at School Program. Visit our Contact Us page or call us toll-free at (800) 422-4641 (TTY: 711) to determine if your child is eligible for coverage.

Make the most of the Students Away at School coverage

Because we don’t cover routine doctor’s visits while your child is away at school, make sure to schedule these appointments during holidays, summer breaks or other times when your child is home.

Dependents should carry their HAP ID cards at all times. Our mobile app, HAP OnTheGo, lets members view their HAP ID cards on their Apple or Android smartphones and send the cards to doctor’s offices, hospitals and pharmacies as needed.

Claims and reimbursements

Health care providers outside the HAP network may not accept your child’s HAP ID card. If this happens, you or your child may need to pay for services from these providers.

Make sure your child requests an itemized bill or receipt for these services. Itemized bills must include:

• Date of service
• Details of services given, such as procedure codes
• Diagnosis code
• Dollar amount charged
• Provider’s name, address and tax ID number

Send this itemized bill to us, along with your child’s name, address and HAP ID number. We’ll reimburse you for the full covered amount, minus any copays you or your child is responsible for.

Send your claims to:

Need additional information?

Talk to your employer for plan details, or contact us.