The predecessors of Health Alliance Plan (HAP) started the company in 1956, changing many hands over the years, and finally becoming HAP after Kaiser Permanente was commissioned by Ford Motors to study HMOs and the Detroit market. The Kaiser study proved that, yes, an HMO would be effective in Michigan, and therefore an alliance between Metro Health Plan, Inc. (HAP predecessor company), Metropolitan Hospital and Health Centers, Henry Ford Hospital was formed. HAP has greatly evolved ever since, making health care affordable to private and public health plan members. As an HMO, they are a community-focused nonprofit health plan, and remain headquartered in Detroit.
HAP currently insures over 648,000 people in Michigan, and is accredited by the NCQA for several of its products. HAP’s individual product, formerly named SOLO Health Plan, is now titled HAP Personal Alliance, and provides comprehensive PPO and HSA-qualified coverage. PPO plans coming from an HMO means you get more inclusive coverage, cost-savings, and the personal attention of a great network. The HAP Preferred PPO network includes numerous high-quality providers and hospitals throughout the state.
Counties served by HAP Preferred include Arenac, Bay, Clare, Genesee, Gladwin, Gratiot, Huron, Iosco, Isabella, Lapeer, Livingston, Macomb, Midland, Monroe, Oakland, Ogemaw, Roscommon, Saginaw, Sanilac, St. Clair, Tuscola, Washtenaw, and Wayne.
Personal Alliance Plans
Personal Alliance PPO
With three deductible options, you have the ability to get a benefit-rich, traditional PPO with options to keep your out-of-pocket low, or your premium. Each plan covers 80 or 100 percent of your medical care after deductible, and provides copays for plenty of services such as office visits, chiropractic care, emergency services, and urgent care. Members also have access to generic prescriptions for a copay, and coverage for vision services and eyewear. Choose a higher deductible to lower your premium and receive 100 percent coverage after deductible, or balance your costs.
Personal Alliance HSA
Offering a $2500 deductible for individuals, Personal Alliance HSA plans cover preventive care at no cost upfront, and all other services are subject to the deductible. If you are interested in setting up a health plan with a great set of benefits and network that works with a health savings account, this provides such an option. Once you have met the deductible, all services are paid for in full by your plan. Plans include prescriptions, vision care, physician services, hospital care, and the option to add a dental plan. Members also have access to HAP wellness programs to keep themselves in good health.
View health plans from HAP and other carriers near you by getting a free, instant health insurance quote, complete with personalized rates. For a consultation with a licensed agent, call us at 888 803 5917, and we’ll be happy to answer any of your questions.