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Alliance Health Insurance Company

The Alliance Health Insurance Company is a subsidiary of the Health Alliance Plan (HAP), a nonprofit health plan based in Detroit, Michigan. Alliance Health Insurance Company can offer you great rates and flexible coverage because HAP has over 575,000 members!  It’s also a subsidiary of one of the nation's leading regional health care programs, the Henry Ford Health System.  If you’re interested in getting a quote from this health insurance company, here is some background on Alliance to help you decide it they are right for you.

Alliance Health Insurance Company: Programs And Benefits

Through HAP, Alliance Health Insurance Company has access to over 2,300 primary physicians, 6,800 specialists and 47 hospitals in Michigan, as well as 23 major hospital networks.  There are 68 urgent care centers and over 2,000 pharmacies in the network, too. Alliance offers fully insured, self-funded and experience-rated Preferred Provider Organization (PPO), Exclusive Provider Organization (EPO), Exclusive Provider Arrangement (EPA), and Point-of-Service (POS) products.

Alliance Health Insurance has flexible products to meet many health care needs and budgets, including yours.  Some of the most innovative products include coverage for chiropractic services, laser vision correction, Weight Watchers® meetings and fitness club memberships. You can get a free health risk assessment through iStrive For Better Health program, and earn rewards for improving your health.

Alliance Health Insurance through HAP offers the Wise Health Care Consumer Training Course online to help you select the right health care policy for you.  It will also help you decide when to go to an emergency room or to your doctor, how to live well with chronic health conditions, ways to safely manage your prescription medications, how to choose a primary health care physician, and what resources are available to you as a member of the Alliance Health Insurance Company family.

Coverage Information For Alliance Health Insurance Company Policies

Take a look at the different Preferred Provider Organization (PPO) options you can get from Alliance Health Insurance Company.  You can choose different levels of coverage for prescription drugs, and deductibles, or choose not to have any deductible at all. If you are planning a family, be sure to add an optional maternity rider to your policy.

A great way to save money on your health care is to look for a plan that includes a Health Savings Account (HSA).  An HSA is a medical savings account that lets you deposit money in a tax advantaged savings account.  You can withdraw the funds to pay for your out-of-pocket medical expenses, completely tax-free. 

HSAs are better than the older flexible spending accounts because the funds you accumulate and don’t use roll over from year to year.  You never lose the ability to use your savings for your health care expenses. Each year you can deposit up to the IRS limits of $2,850 for an individual or $5,650 (indexed each year for inflation) for a family into your HSA.  Make sure to ask about it when you set up your Alliance Health Insurance Company policy.

You will love the HAP website where you can search for doctors and hospitals, read about the latest developments in health living, and research prescriptions you are taking.  You can keep tabs on your plan with the Alliance Health Insurance Company right from your home computer without having to pick up the phone.

Some Alliance Health Insurance Company Insurance Options

Preventive health care services are covered up to $500 for in-network services after co-insurance payments.  They can include:

  • Preventive Office Visits
  • Periodic Physical Exams
  • Well Baby/Well Child Exams
  • Immunizations
  • Routine Eye and Hearing Exams
  • Related Lab Tests and X-Rays
  • Pap Smears and Mammograms

Outpatient and physician services which are subject to deductible and co-insurance both in and out of network can include:

  • Office Visits
  • Allergy Testing and Injections
  • Lab Tests and X-Rays
  • Back Care – Up to 20 visits/person/calendar year
  • Outpatient or Office Surgery
  • Radiation and Chemotherapy
  • Eye Exams – when needed for medical reasons
  • Audiology Exams

Emergency room services are usually covered and subject to deductibles and co-insurance. Prescription drugs are usually covered at a fixed cost to you: $15.00 for generic drugs, $30 for preferred and $50 for non-preferred prescriptions. For a single person, or for a couple, health plans can cost about $1200 per year and up.

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