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Students away at school
Members that have children that are away from home, can rest assured they will be covered under HAP, even while they’re at school. Children ages 5 to 26, who go to school outside HAP’s coverage area, are covered for emergencies and urgent care.
Additional covered services
While students are away at school, common medical services are treated as in-network service, with prior approval:
- Required maintenance visits for chronic conditions as authorized by HAP
- Allergy injections
- Prescription coverage as allowed under the member’s Prescription Medication Rider
- When related to an acute illness or injury:
- Routine immunizations/vaccines according to the recommendations from the Centers for Disease Control and Prevention (CDC)
Choosing your primary care physician (PCP)
All HAP HMO plan members pick a primary care physician (PCP). The PCP coordinates your care and keeps your medical history up
to date. Thankfully, HAP’s networks give you access to thousands of doctors and the leading hospitals.
- Choose who you like — when you like. Unlike other HMOs, you can change your PCP whenever you like. Everyone on your HAP HMO plan is free to choose the PCP of their choice. Your PCP keeps your health care history and can speak to specialists on your behalf. This way, you’re not alone. You always have a health care team collaborating about your care.
- Freedom to see your HAP dermatologist or your kids’ allergist without referrals. In fact, you won’t need referrals to visit many of our specialists.
- Paperless and hassle-free referrals. If you need a referral to a specialist or ancillary provider, such as X-rays or lab tests, it’s paperless with HAP. Your PCP does all the work for you. You simply show up at your appointment and your paperwork has already arrived.
Emergency and urgent care overview
Dealing with an urgent or emergency situation isn’t something you want to go through. But knowing where to go for care before something happens is important. With HAP, you can quickly take care of any health issue that may come up. Across the nation or the around globe - your HAP medical coverage will be there for you.
Knowing the difference between urgent and emergency conditions
It’s important to know the difference between the two situations to make sure you get the right care at the right time. This can save you out-of-pocket expenses and ensure you’re treated quickly based on your condition.
Why urgent care is often a better option than the emergency room
In most cases it will cost you less out-of-pocket to visit an affiliated urgent care center than an emergency room.
So unless there’s a medical emergency (broken bone, chest pains, difficulty breathing, severe burn, etc.), it usually makes more sense to go to urgent care – and save yourself the extra money.
Urgent care centers are staffed by fully accredited doctors and are as equally equipped as ERs to handle issues like sprains, cuts that require stitches, minor burns, back pain, the flu and more. Wait times at urgent care centers also tend to be shorter than ERs.
Quick, easy access to your health information once you’re a HAP member
You can access all your important information in one convenient place through at the member portal at hap.org. Here you can log on and review or print:
- Plan documents such as:
- Subscriber contracts
- Benefit summary
- Claims information
- Explanation of Benefit statements
A deductible is a plan cost-sharing element for all HMOs offered through the Trust.
It is a fixed amount of money you have to pay annually before HAP begins paying its portion of your medical costs. Generally, medical services covered by a flat copay, and prescription drugs, do not count toward the deductible. All other covered services without copays count toward the deductible.
A health insurance deductible works similar to auto insurance. Let’s say you are involved in an accident; you have to pay your deductible amount and then your insurance company pays for the rest of the repair work. Health insurance deductibles work the same way.
Enroll in HAP in one easy step call Retiree Health Care Connect at (866) 637-7555