Review Medicare plans and get answers to your questions
Comparing Medicare plans could result in cost savings or expanded benefits. And if you’re currently enrolled in Medicare, the benefits covered by your plan might have changes.
When choosing a Medicare plan or reviewing your Medicare options with an agent, some things to consider include:
- Have my health or prescription needs changed?
- Are there plans that can reduce my out-of-pocket costs?
- Can I find a plan offering more coverage?
Speak with an eHealth agent and discuss the multiple plan options available or visit their site to compare plans. There is no fee or obligation to enroll. Call (833) 660-1065, TTY 711
Our partner Medicare Concierge Services has agents in HAP Medicare kiosks at 12 Henry Ford locations. Drop by for a free Medicare benefits evaluation. Or call (844) 444-5044 to schedule an appointment with an agent.
For a complete list of Medicare plans, visit medicare.gov/plan-compare.
Medicare made easy with Health Alliance Plan (HAP)
Your health care coverage is an important part of your overall wellness. That’s why we offer easy ways to help you understand and choose the Medicare plan that’s best for you.
Health Alliance Plan (HAP) is a health plan owned by Henry Ford Health and has contracts for Medicare Advantage plans. HAP participates in Medicare Supplement Insurance plans and Medicare Advantage plans. Benefits vary by plan. Be sure to check with your specific health plan to verify your physician is an in-network provider.
Health Alliance Plan participates in Medicare Supplement Insurance plans and Medicare Advantage plans. Benefits vary by plan. Be sure to check with your specific health plan to verify your physician is an in-network provider.
Reasons to choose HAP
- HAP is a health plan owned by Henry Ford Health and has contracts for Medicare Advantage plans.
- The Centers for Medicare & Medicaid Services has awarded HAP’s Medicare HMO 4.5 stars (out of 5) for the third consecutive year, and HAP’s Medicare PPO has earned 4 stars. This makes HAP the only Michigan-based insurer to achieve 4.5 stars for its Medicare HMO plan the past three years in a row, and the only Michigan-based insurer to achieve 4 stars or higher for both HMO and PPO each of the past four years.
- When comparing plans within the HAP service area of Michigan, HAP plans offer one of the highest embedded dental benefits, with up to $3,000 in preventive and comprehensive coverage.
- Most HAP plans offer low or no copays for primary care visits and provide unlimited physical, occupational, or speech therapy visits when medically necessary.
- Most HAP plans have no medical or prescription drug deductibles.
- HAP has been named for the 3rd year in a row as one of the best Medicare Advantage plans by US News and World Report.
- HAP was awarded the 2023 Senior Gold Choice Award by Medicare News Watch for Detroit and Grand Rapids for having the lowest out-of-pocket costs for Part D benefits.
Medicare Educational Resources
Learn the basics of Medicare from licensed agents with Medicare Concierge Services, a partner of Henry Ford Health. Both in-person and virtual sessions are available for participants to attend.
Register for Medicare seminar
Medicare is a federal government program that offers health insurance to individuals who are:
- Age 65 and older
- Under age 65, disabled and on Social Security for 24 months
- Any age with end-stage renal disease or ALS (amyotrophic lateral sclerosis)
When you enroll in Medicare, you can choose from:
Original Medicare: This plan includes Part A (hospital insurance) and Part B (medical insurance). You also can add Part D (prescription drug coverage) and Medicare supplement insurance.
Medicare Advantage: Similar to an employer’s HMO or PPO, these bundled plans include Medicare Part A and B and usually Part D, as well as additional benefits Original Medicare doesn’t cover such as vision, dental and hearing. Some Medicare Advantage plans may have lower out-of-pocket costs than Original Medicare.
View the Medicare And You Handbook to learn more about these plans.
Enrollment periods at a glance
Initial enrollment period
The initial enrollment period is a seven-month period that includes three months before you turn 65, your birthday month, and three months after you turn 65.
Annual election period
The Medicare annual election period (AEP) happens every fall from Oct. 15 to Dec. 7. During this time, you can join, drop or change Medicare coverage. The plan coverage you choose during AEP starts on Jan. 1 of the following year.
Medicare Advantage open enrollment
This one-time change takes place between Jan. 1 to March 31. You must already be enrolled in a Medicare Advantage plan on Jan. 1. During this time, you can switch to a different Medicare Advantage plan with our without drug coverage, or return to Original Medicare and enroll in Part D. You can’t switch from one prescription drug plan to another. There’s no guaranteed issue right for Medigap.
General enrollment period
There is a three-month window from Jan. 1 through March 31 annually where you can enroll in Medicare Part A and Part B for the first time if you missed signing up when you were first eligible, and you are not eligible for a special enrollment period. You may be subject to late penalties.
Individuals can sign up for Medicare Advantage (Part C) from April 1 through June 30. Coverage begins July 1.
Special enrollment period
In some cases, you may be able to enroll in or switch to a plan outside of the initial enrollment period. This includes changes in your life situation, such as:
- You retire and leave a health care plan through your employer or union
- You move out of your current health plan’s service area
When you enroll will determine when your coverage begins. To determine your eligibility and for more information on enrollment periods, visit medicare.gov/sign-up-change-plans.