Health Alliance Plan (HAP) Review & Ratings (2024)
Health Alliance Plan (HAP) is a Michigan-based health insurance provider with a long history and a wide range of policies for individuals, companies, and organizations. Our Health Alliance Plan (HAP) review notes its history, coverages, and extensive list of discounts such as the Active&Fit Direct program.
Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Sep 13, 2024
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Sep 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Health Alliance Plan (HAP)
Average Monthly Rate For Good Drivers
N/AA.M. Best Rating:
B++ (Good)Complaint Level:
LowPros
- Comprehensive coverage options
- Positive customer reviews on customer service
- Variety of insurance products beyond health insurance
- Non-profit status and mission-driven approach
Cons
- Mixed customer reviews regarding claim processing and communication
- Limited availability in states (Michigan and Ohio)
- Specific details on A.M. Best Rating and average annual rate are not provided in the text
Health Alliance Plan Insurance (HAP) is a Michigan-based insurance company that offers health insurance, Medicare Advantage plans, and other insurance products. HAP has a strong focus on customer service and is generally well-regarded by customers for its range of insurance products and competitive pricing.
The cost of health insurance with HAP can vary depending on a number of factors, but the company offers a range of discounts that can help customers save money on their premiums. HAP is primarily offered in the states of Michigan and Ohio, but as part of the national Blue Cross Blue Shield network, it provides access to health care coverage and services across the United States.
Customer reviews of HAP are generally positive, with many customers praising the company’s customer service and range of insurance products, although some negative reviews mention issues with claim processing or communication with representatives.
While the company has a mixed reputation among customers, their strong foundation in the insurance industry and commitment to improving health and well-being make them a solid choice for health insurance.
After you read our Health Alliance Plan (HAP) review and know the answer to “What is Health Insurance Plan?” compare their rates to other health insurers by entering your ZIP code into our free online quote tool.
What You Should Know About Health Alliance Plan (HAP)
Welcome to our comprehensive overview of Health Alliance Plan Insurance, which is considered one of the best family health insurance plans in Michigan.
In this enlightening article, we will discuss the main issues with Health Alliance Plan Insurance, including its cost, the variety of coverage options, insightful consumer feedback, and the availability of discounts. Finding the appropriate insurance coverage can be difficult, which is why we are here to make it easier for you.
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Health Alliance Plan History and Mission
Health Alliance Plan insurance, also known as HAP, was founded in 1956 as a non-profit health plan for automotive industry workers in Detroit, Michigan. The company was created by the United Auto Workers (UAW) and several large automobile manufacturers to provide affordable health care to workers and their families.
Over the years, Health Alliance Plan insurance has expanded its offerings to include a variety of health and life insurance products, including dental, vision, and Medicare plans. In addition to serving the automotive industry, the company now offers coverage to individuals, families, and businesses in Michigan and Ohio.
Health Alliance Plan insurance’s mission is to improve the health and well-being of its members and communities by delivering affordable, innovative health insurance solutions. The company is committed to providing high-quality health care services and supporting initiatives that promote healthy living and disease prevention. Health Alliance Plan insurance also partners with local organizations to support community health and wellness programs.
As a non-profit organization, Health Alliance Plan insurance is focused on reinvesting its resources into improving health care for its members and the communities it serves. This mission-driven approach has helped the company earn a reputation for providing quality health care coverage and customer service.
Health Alliance Plan (HAP) Insurance Coverage Options
What is HAP insurance? Here’s an overview of the wide range of Health Alliance Plan (HAP) coverages:
Medicare Plans
HAP has Medicare Advantage plans (sometimes called Plan C or MA Plans). There are four for (HMO (Health Maintenance Organization), two for PPO (Preferred Provider Organization), one for HMO-PPO, and one for D-SNPs (Dual Eligible Special Needs Plans).
There are also six HAP Medicare Supplement (Medigap) plans: Plan C, Plan F, Plan D, Plan G, Plan N, and Plan A.
Plans Through Your Employer
Health Alliance Plan (HAP) works with all types of businesses from startups to large corporations, offering HMOs, PPOs, and EPOs (Exclusive Provider Organizations).
For example, its Henry Ford Choice network is open to small businesses Macomb, Wayne, and Oakland counties in Michigan. It includes doctors and facilities that are part of Henry Ford Health.
Read more: What is a base plan in health insurance?
Individual and Family Plans
HAP’s variety of individual and family health insurance plans features HAP Individual/Family Gold plans, HAP Individual/Family Silver Plans, HAP Individual/Family Bronze Plans, and HAP Catastrophic plans (for individuals under 30).
Read more:
- Individual Health Insurance: A Complete Guide
- How old do you have to be to buy your own health insurance?
States Where Health Alliance Plan Insurance Is Offered
Health Alliance Plan insurance (HAP) is primarily offered in the states of Michigan and Ohio. These are the states where the company has the strongest presence and where it is licensed to offer insurance coverage.
In Michigan, HAP is available in all counties, and it is one of the largest health insurance providers in the state. The company offers a wide range of health insurance plans, including individual and family plans, Medicare Advantage plans, employer-sponsored plans, and Medicaid plans.
In Ohio, HAP offers a range of Medicare Advantage plans, including HMO and PPO options, as well as employer-sponsored plans for businesses. The company has a strong network of health care providers in Ohio, including many hospitals and medical centers.
While Health Alliance Plan insurance’s primary focus is on Michigan and Ohio, it’s worth noting that the company is part of the national Blue Cross Blue Shield network, which provides access to health care coverage and services across the United States. This means that HAP members may be able to receive care and services outside of Michigan and Ohio, depending on the terms of their specific plan.
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Health Alliance Plan (HAP) Insurance Rates Breakdown
The cost of Health Alliance Plan (HAP) insurance depends on a variety of factors, including the specific plan you choose, your age, and your location.
To get a personalized quote for Health Alliance Plan (HAP) medical plans, you visit the company’s website or contact them directly. They will be able to provide you with more detailed information about the cost of their plans based on your individual needs and circumstances.
But to help you get an idea of pricing in regards to Medicare, check the following articles:
- HAP Senior Plus Option 1 (HMO-POS) in Midland, Michigan
- HAP Senior Plus Option 2 (PPO) in Iosco, Michigan
- HAP Senior Plus Option 3 (PPO) in Washtenaw, Michigan
- HAP Senior Plus Option 4 (PPO) in Huron, Michigan
If you’re not yet a senior, you can also get an idea of the average cost of health insurance with our articles How much is health insurance for a 19-year-old male? and How much is health insurance for a 48-year-old male?
Read more: What is the average cost of health insurance for a family in Michigan?
Health Alliance Plan (HAP) Discounts Available
Our Health Alliance Plan reviews found an extensive list of money-saving discounts for HAP members.
With gym memberships averaging $40-$70 a month, and much higher for premium gyms, HAP’s Active&Fit Direct program lets members choose from nearly 12,000 fitness centers for a monthly fee of only $28 and an enrollment fee of $28.
HAP also has two-dozen-plus partnerships with companies to provide preferred discounts and rates under three categories. Here are the categories and a savings example for each:
- Fitness: Take 25% off CrossFit’s FrostBite unlimited training package and visit up to six days per week.
- Nutrition: Take 10% off in-store or online purchases at The Better Health Store.
- Wellness: Take 20% off of non-prescription sunglasses at Henry Ford OptimEyes
Effortless Claims Process With Health Alliance Plan Insurance: Simplifying Your Insurance Experience
Ease of Filing a Claim
Health Alliance Plan Insurance provides multiple convenient options for filing insurance claims. Customers can file claims online through the company’s user-friendly website, over the phone by contacting their dedicated customer service team, or even through mobile apps for added accessibility. This flexibility ensures that policyholders can choose the method that best suits their needs and preferences.
Average Claim Processing Time
The average claim processing time with Health Alliance Plan Insurance is known for its efficiency. The company is committed to promptly processing claims to provide policyholders with the support they need during challenging times. Timely processing helps ease the financial burden by ensuring that claims are handled swiftly and efficiently.
Customer Feedback on Claim Resolutions and Payouts
Health Alliance Plan Insurance has received positive feedback from customers regarding its claim resolutions and payouts. Many policyholders have expressed satisfaction with the company’s fair and timely claim settlements. This reflects Health Alliance Plan Insurance’s dedication to delivering on its promise of providing comprehensive coverage and dependable support to its customers.
Read more: How does a health insurance company determine what claims they will and will not cover?
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Health Alliance Plan Insurance: Cutting-Edge Digital and Technological Features for Policyholders
Mobile App Features and Functionality
Health Alliance Plan Insurance offers a feature-rich mobile app that enhances the overall customer experience. The app provides convenient access to policy information, allows users to file claims, view claim status, and even locate healthcare providers within the network. Its user-friendly interface and robust features make managing insurance on the go a seamless experience.
Online Account Management Capabilities
Policyholders benefit from robust online account management capabilities with Health Alliance Plan Insurance. The company’s online portal empowers customers to effortlessly manage their policies, review coverage details, make payments, and access important documents.
This digital convenience simplifies the insurance process, ensuring that policyholders have easy access to essential information.
Digital Tools and Resources
Health Alliance Plan Insurance equips its customers with valuable digital tools and resources. These resources include informative articles, educational materials, and interactive tools designed to help policyholders make informed decisions about their health and insurance coverage.
Scott W. Johnson Licensed Insurance Agent
These digital assets are easily accessible through the company’s website, further demonstrating Health Alliance Plan Insurance’s commitment to customer empowerment.
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How Health Alliance Plan (HAP) Ranks Among Providers
Health Alliance Plan Insurance’s general ranking among other insurance providers. Insurance rankings can vary based on different factors such as customer satisfaction, financial stability, coverage options, and more.
To obtain accurate and up-to-date information on how Health Alliance Plan Insurance ranks among other providers, it is recommended to consult industry reports, customer satisfaction surveys, and financial rating agencies. Popular sources for such information include A.M. Best, J.D. Power, and other industry-specific rankings and reviews.
Health Alliance Plan (HAP) vs. Health Alliance
If you’re looking into Health Alliance Plan (HAP), it can get confusing because doing searches on “health alliance reviews”, “health benefit alliance reviews,” or “alliance health insurance reviews” can result in finding a very similarly named company.
Health Alliance, also known as Health Alliance Medical Plan, is headquartered in Illinois. It was founded later than HAP, in 1980, and serves Illinois, Iowa, Indiana, Ohio, and Washington.
Is Health Alliance good insurance? Find out in our Health Alliance Review & Ratings article.
Customer Reviews of Health Alliance Plan Insurance
Customer reviews of Health Alliance Plan insurance are generally positive, with many customers praising the company’s customer service and its range of insurance products.
On the website for the Better Business Bureau, HAP has an A+ rating and a 3.86 out of 5 star rating based on customer reviews. Many customers mention that the company’s customer service is prompt and helpful, with representatives who are knowledgeable and willing to assist with any issues or questions that arise. Other positive reviews highlight the company’s competitive pricing and its range of coverage options.
Of course, like any insurance provider, Health Alliance Plan insurance is not without its detractors. Some negative reviews mention issues with claim processing, billing, or communication with representatives. However, it’s worth noting that many of these negative reviews are offset by positive reviews from satisfied customers.
Overall, customer reviews suggest that Health Alliance Plan insurance is a reputable and reliable insurance provider with a strong focus on customer service and a range of coverage options.
Now that you’ve read some HAP insurance reviews and are ready to comparison shop for your health insurance, enter your ZIP code into our free online quote comparison tool.
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Frequently Asked Questions
What is Health Alliance Plan insurance?
Health Alliance Plan insurance, also known as HAP, is a non-profit health plan that provides affordable health care to workers and their families. Over the years, Health Alliance Plan insurance has expanded its offerings to include a variety of health and life insurance products, including dental, vision, and Medicare plans.
Is HAP a Medicare Advantage plan?
HAP health insurance coverages include a Medicare Advantage plans, which features a robust pharmacy network and prescription drug benefits.
What states does Health Alliance Plan serve?
Health Alliance Plan’s insurance policies are available in Michigan and Ohio.
Is HAP the same as Aetna?
HAP partners with Aetna Signature Administrators to you the Aetna national PPO network outside of Michigan and Northwest Ohio. Aetna’s network provides access to over 1.4 million providers including over 6,100 hospitals and thousands of MinuteClinic locations.
Does Health Alliance Plan offer any discounts?
Yes, HAP reviews found several HAP member discounts. Its Active&Fit Direct program boasts a $28 enrollment fee and $28 monthly fee at nearly 12,000 fitness centers.
HAP has also partnered with over two dozen companies for preferred discounts and rates related to fitness, nutrition, and wellness. Details are listed at www.hap.org/member-discounts.
What is the Health Alliance Plan provider phone number?
There are several phone numbers for HAP, depending on your inquiry. For example, the provider inquiries number is (866) 766-4661. There are three phone numbers each regarding individual plans and group plans, and eight phone numbers regarding Medicare.
For specifics, refer to www.hap.org/contact.
Does HAP cover auto accidents?
The only involvement the Health Alliance Plan of Michigan has regarding auto insurance is providing an Auto Insurance PIP Coverage Letter if you need to show your auto insurance agent proof that you have qualified health coverage under HAP.
In 2019, the State of Michigan changed the requirement to have unlimited, lifetime personal injury protection (PIP) benefits for no-fault auto insurance plans. You can opt-out or cut the level of benefits under the auto plan if you have other qualified health coverage.
Is HAP insurance good?
Health Alliance Plan has earned a reputation for providing quality health care coverage and customer service. However, as with any insurance company, individual experiences may vary.
It’s best to read reviews from other customers and compare quotes from multiple providers to determine if Health Alliance Plan insurance is the right choice for you. Enter your ZIP code here to start comparing quotes.
Is HAP the same as Health Alliance?
No. Two different companies with very similar names cover health insurance, which can make searches for “health insurance alliance” “health benefit alliance review”, and “health insurance alliance reviews” very confusing.
Health Alliance, or Health Alliance Medical Plan, is based in Illinois and covers that state as well as Indiana, Iowa, Ohio, and Washington. For more on that company, see our Health Alliance Review & Ratings.
Who is HAP owned by?
HAP insurance is a wholly-owned subsidiary of Henry Ford Health.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.