Plan Overview

Health Alliance Plan (HAP) offers comprehensive healthcare coverage tailored for UAW Trust retirees. This page provides an overview of costs, access to care, and service areas to help members understand their benefits and make informed healthcare decisions.

Service	HAP HMO Medicare-eligible	HAP HMO Non-Medicare
Deductible*	$250 single/$500 family	$250 single/$500 family
Coinsurance	No coinsurance	No coinsurance
Telehealth	Covered	$15 copay
Primary care office visit	$15 copay with no limit on visits	$15 copay with no limit on visits
Specialist office visit**	$25 copay with no limit on visits	$25 copay with no limit on visits
Emergency care visit	$50 copay	$125 copay
Urgent care visit	$15 copay	$40 copay
Laboratory and pathology	Covered	Covered
Radiology	Covered after deductible	Covered after deductible
Inpatient hospital services	Covered after deductible	Covered after deductible
Outpatient surgery	Covered after deductible	10% coinsurance after deductible
Skilled nursing	Covered after deductible	Covered after deductible
Physical therapy	Covered after deductible	Covered after deductible
Chiropractic services	$20 copay	Not available

* “Protected” member deductible: $0

**"Protected” member copays for PCP and Specialist: $15”

Avoid surprise costs

You’re covered for an annual preventive visit. View your benefit summaries to find out costs for your specific plan. This can include a review of your medical and social history related to your health. You doctor and you should also discuss preventive services such as screenings recommended for you, shots and referrals for other care, if needed.
However, if your doctor or other health care provider performs additional tests or services during the same visit that aren’t covered under these preventive benefits, you may have to pay a copay and deductible, if applicable.

Knowing where to go for care can save you money

It’s important to know the difference between urgent and emergency conditions 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. In most cases it will cost you less out-of-pocket to visit an affiliated urgent care center than an emergency room. Need help determining where to go for what? Check out our helpful tool.

Understanding deductibles

A deductible is a fixed amount of money you have to pay annually before HAP begins paying its portion of your medical costs.

Generally, prescription drugs and medical services covered by a copay 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. First, you have to pay your deductible amount, and then your insurance company pays for the rest for the repair work. Health insurance deductibles work the same way.

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

Explore HAP’s 2026 UAW Trust plan information brochure

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