HAP COVID-19 Coverage Information
Since winter of 2020, HAP has continued to publish updates when needed regarding its handling of the COVID-19 pandemic and the benefits it's providing to help its members weather this storm.
Answers to Frequently Asked Questions for Employers
We know that 2020 has been one of the most difficult years for businesses in decades, in part because rules, regulations, and exceptions to rules surrounding COVID are constantly changing. HAP is here for employers. They can answer questions about:
- Coronavirus Aid and Relief
- Bringing your workforce back to work after being mostly remote
- Premium payment
- And more
This webpage can serve as your resource throughout the pandemic.
Resources for Employees
This link offers tools to help answer your employees' questions about:
- Testing and treatment
- Phone numbers to keep on hand
- Wellness resources
Here's a link to a general Member FAQs if none of their questions concern the above.
--Update as of 5/20/20--
Press release on May 20, 2020:
HAP offers extended financial relief for members
for the duration of 2020 in response to COVID-19 pandemic
Premiums reduced for individual and small employer groups,
telehealth cost-sharing waived for members through Dec. 31
Health Alliance Plan (HAP), a Michigan-based nonprofit health plan, today announced several steps designed to provide financial relief and improve access to care for its members, including individual and Medicare Advantage members, as well as small business employers, all of whom have been impacted by the COVID-19 pandemic.
HAP has extended its cost-sharing waiver for telehealth services through the end of the year. All cost-sharing is waived for HAP’s individual, fully-insured employer group, Medicare, Medicaid and MI Health Link members using telehealth services through December 31, 2020, even if the service is not related to COVID-19. Self-insured employer group customers control their own health benefits, and HAP is working with its self-insured customers to determine how they will cover telehealth services.
For its individual members and small employer group customers, HAP will decrease monthly premiums by 5% through the end of the year. A small group is defined as an employer with fewer than 50 employees. These decreases will be reflected in monthly premium bills beginning July 1 and will be in effect through December 2020.
“Individuals and small business owners have been among the hardest hit economically during this pandemic,” said Dr. Michael Genord, president and CEO, HAP. “As a Michigan-based insurer, HAP is committed to helping the economic recovery efforts in Michigan as businesses and their employees attempt to return to normal operations. We want them to know that HAP is here for them during this unparalleled era in Michigan history.”
For its Medicare Advantage members, HAP will waive copays for all in-person primary care visits and behavioral health visits through the end of the year. In addition, HAP will waive all member cost-sharing for telehealth visits for its Medicare Advantage members through the end of the year. This means that HAP Medicare Advantage members will not be charged any copays, deductibles or co-insurance for telehealth visits made through December 31, 2020, even if it is unrelated to COVID-19.
“Medicare members are an extremely vulnerable population,” said Dr. Genord. “Not only in relation to COVID-19, but because the majority of them have one or more chronic conditions that need to be managed. If left untreated, chronic conditions can become worse and result in further complications. HAP wants to make it as safe and easy as possible for members to see their doctor regularly – whether it be a traditional visit to a brick-and-mortar doctor’s office or through a telehealth visit. No one should be afraid to seek care when they need it. Waiving certain costs associated with doctor visits is one way we can encourage these members to get the care they need.
“At the same time, HAP understands the importance of supporting health care providers, who are important partners with us in providing care to our members. We are committed to continuing to improve access to care – something that benefits both member and physician alike – and providing incentives for those physicians and health systems who deliver the highest quality of care for HAP members.”
For more information on what HAP is doing to assist its members during the COVID-19 pandemic, visit www.hap.org.
--Update as of 3/10--
Health Alliance Plan (HAP) understands there is uncertainty among the public and wants to alleviate any concerns our agent community and members may have about the coverage of the COVID-19, or coronavirus, test.
HAP will waive cost-sharing associated with laboratory testing for the coronavirus.
The waiving of lab test cost-sharing applies to HAP’s Medicare, Medicaid and individual members, as well as fully insured employer group customers. Members who are tested for COVID-19 will not be subject to any copay, co-insurance or deductible for their lab tests.
Please be advised, HAP is working with its self-insured customers to determine coverage.
Testing for COVID-19 is recommended for individuals who are demonstrating specific symptoms as outlined by the Centers for Disease Control (CDC) and the Michigan Department of Health and Human Services (MDHHS). Anyone experiencing symptoms should call their physician, who will determine whether to send the patient to the doctor’s office or urgent care and whether testing is needed.
Agents and members who have questions regarding HAP coverage and the coronavirus are encouraged to review HAP Frequently Asked Questions
For the latest information, including travel alerts and how to protect yourself against the virus, visit:
- Centers for Disease Control (CDC)
- Michigan Department of Health and Human Services
- Henry Ford Health System
Click this link https://www.hap.org/covid19-coronavirus be taken directly to HAP's COVID response page, where you can view FAQs and the latest updates.