Medicare plans you can feel good about 

What is Medicare? 
Medicare provides national health insurance for people age 65 years and older as well as select individuals with disabilities or conditions. Medicare covers some services, available at no cost, while other options may have a monthly cost or deductible.  

What does Medicare cover?

Medicare covers four areas, called parts. Each part covers a different area of healthcare.

Medicare Part A covers inpatient hospital care as well as care from skilled nursing facilities and some home healthcare. It is available at no cost for most people.

Medicare Part B covers doctors (both inpatient and outpatient), durable medical equipment and some services not covered by Part A. If you receive Social Security benefits, the Part B premium is usually deducted from your monthly check.

Medicare Part C, which includes Parts A and B plus additional benefits, is also known as Medicare Advantage. Many Medicare Advantage plans (including many HAP plans) feature prescription drug coverage.

Medicare Part D helps pay for prescription drug coverage.

How much does Medicare cost?

Depending on the Medicare choices you make, your premium may be as little as $0* or up to several hundred dollars per month. With Medicare coverage, some healthcare services are covered in full while others have out-of-pocket costs.

Age 64 

Get informed

Learn how Medicare works and research your options.
 

Age 64 +9 months

Time to enroll

You can enroll as early as three months before your 65th birthday, and up to three months after your 65th birthday.
 

Age 65

You are Medicare eligible

You can start receiving your Medicare benefits the first day of the month you turn 65. If you haven't already enrolled, time is running out.
 

Age 65 +3 months

Don't be late!

Most people generally need to enroll in Part B within three months after turning 65 to avoid paying a penalty, and adding Part D (prescription drug coverage) later will cost you more.
 

Age 65+

Want to switch?

If your current Medicare plan isn't meeting your needs, you can change plans during the Annual Enrollment Period (AEP) in the fall of each year.

Learn more about what OEP means for Medicare Advantage members

OEP stands for Open Enrollment Period. It’s an enrollment period that allows Medicare members to change their Medicare Advantage plan. OEP begins January 1 and ends March 31.

During OEP, if you are unhappy with your Medicare Advantage plan, this annual window allows you to make a one-time change to your existing coverage.

Perhaps you enrolled in a Medicare Advantage plan without fully understanding its benefits. The Medicare Advantage OEP allows you to switch to another Medicare Advantage plan based on what you like or dislike about your current coverage.

HAP’s Medicare Advantage plans offer deductibles as low as $0. And visits to your primary care physician are always covered with a $0 copay.

Learn more about plan costs and benefits

HAP has one of the largest provider networks in Michigan** with doctors you know and trust.  

See if your preferred doctor or facility is covered

We work hard to keep prescription prices down for our members.  

See if your medications are covered by searching our formulary

Get the care you need to stay healthy with no out-of-pocket costs, $0 copays and no surprise fees.  

Learn more about our coverage

The Centers for Medicare and Medicaid Services (CMS) evaluates health plans based on a five-star rating system. Star Ratings are calculated each year and may change. HAP is the only Michigan-based health plan to achieve 4 stars or higher for both HMO and PPO plans for the past seven years.

Learn more about Medicare Stars