Coverage When You Travel

When you travel, your HAP plan does too. See how HAP is here for you when you’re on the go. Explore the travel benefits that come with a HAP Medicare plan.

Medical coverage when you travel

All HAP Medicare plans cover urgent and emergency medical care worldwide.

HAP Medicare Advantage HMO Plans

HAP HMO Medicare Advantage plans include a visitor/travel benefit in Florida, Arizona, Texas and Michigan outside of the service area†*. This is a great option if you travel to warmer climates during the winter.

Use your HAP coverage while you’re in Arizona, Florida, Texas and Michigan (out-of-area) for up to 12 months
Get the same HAP in-network cost-sharing rates as at home for covered benefits
You will receive a visitor/traveler ID card
Prior authorization rules still apply

Please call the HAP customer service number on the back of your ID card to help you locate a doctor, hospital or pharmacy. HAP customer service representatives are available Oct. 1 – March 31 from 8 a.m. to 8 p.m., seven days a week or April 1 - Sept. 30 from 8 a.m. to 8 p.m., Monday through Friday.

HAP Medicare Advantage PPO Plans

HAP PPO Medicare Advantage plans include a visitor/travel benefit in all states outside of Michigan. With a HAP Medicare Advantage PPO plan, you’ll have access to HAP’s network of doctors in Michigan†, and you can seek care anywhere in the U.S. outside of Michigan. Our PPO plan is accepted in 49 states. You'll pay in-network prices for covered benefits when you visit any Medicare-participating provider in the U.S.

Pay in-network prices for covered benefits when you visit any Medicare-participating provider in the U.S.
You will receive a visitor/traveler ID card
Prior authorization rules still apply.

HAP Medicare Supplement Plans

You can visit any doctor, specialist or hospital that participates in Medicare, anywhere in the U.S. And with a HAP Medicare Supplement plan, no referrals are necessary or required to see a specialist.

A few things to keep in mind:

Generally, the site where you seek care will ask for your health insurance card and for you to call the number on the back for billing or coverage questions.
If the doctor or hospital requires immediate payment for services, you're responsible for paying the hospital or doctor.
We will reimburse you for the covered services (please refer to your plan contract) less any copays or coinsurances you're required to pay.
If you're a HAP Medicare member and you're admitted to a hospital not affiliated with us, you or your designee should notify us within 48 hours. Contact us at the phone number listed on the back of your member ID card so we can follow up on your emergency care.

Please refer to your HAP 2026 Outline of Coverage or your Alliance Medicare Supplement policy for complete benefit information.

Medical services reimbursement

If you would like to request reimbursement, mail a completed Direct Member and Enrollee Reimbursement Form along with receipts to:

HAP Claims Division
ATTN: Member Reimbursement
1414 E Maple Rd
Troy, MI 48083

Prescription coverage when you travel

HAP has more than 2,000 pharmacies in our network – including nationwide chains such as Walgreens – so it’s easy to find a convenient location near you. In an emergency or urgent care situation, you also have coverage for drugs purchased at a non-network pharmacy.

HAP will cover your prescription at a non-network pharmacy if at least one of the following applies:

The prescription is related to care for a medical emergency or urgently needed care.
You're unable to obtain a covered drug in a timely manner within our service area because there is no plan pharmacy within a reasonable driving distance that provides 24-hour service.
You're trying to fill a prescription for a covered drug not regularly stocked at an accessible plan retail or mail-order pharmacy.

Before you fill your prescription in any of these situations, call the HAP customer service number on the back of your ID card to see if there’s a plan pharmacy in your area where you can fill your prescription. HAP customer service representatives are available Oct. 1 – March 31 from 8 a.m. to 8 p.m., seven days a week or April 1 - Sept. 30 from 8 a.m. to 8 p.m., Monday through Friday.

If you go to a non-network pharmacy for any of the reasons listed above, you’ll have to pay the full cost (rather than just your copay) when you fill your prescription. Once you’ve paid for the medication, you can submit the receipt to HAP for reimbursement. In addition to the normal copay, you’ll be responsible for any costs incurred above the HAP-negotiated pharmacy rate.

Only drugs approved by the Food and Drug Administration and sold in the United States qualify for Medicare Part D benefit coverage. All drugs purchased outside the United States, including Canada, are excluded from Medicare coverage.

Pharmacy reimbursement

To request reimbursement for our share of the cost, mail a completed Pharmacy Reimbursement Form along with your receipts to:

HAP Medicare
ATTN: Pharmacy Care Management
1414 E Maple Rd
Troy, MI 48083

HAP and Assist America take the worry out of your travel plans

Travel emergencies can happen anyplace, anytime. When they do, HAP is here to help. Assist America provides 24/7 travel assistance. HAP members can call on Assist America when they’re traveling 100 miles or more from home, for up to 90 consecutive days per trip. Assistance includes a wide range of travel emergencies, at no extra cost, such as:

Critical care monitoring
Emergency medical evacuation
Hospital admission support
Lost luggage or document help
Finding medical help
Pre-trip information
Prescription help
Translator and legal help

Assist America's mobile app offers smartphone users a one-touch link to the operations center.

Android users: Download the app on Google Play
iPhone users: Download the app in the App Store

To get your exclusive code to use this service, log in to your HAP member portal and select Assist America in the quick links.

Have questions?

This information is not a complete description of benefits. For more information or if you have questions, call HAP customer service at (800) 868-9885 (TTY: 711). Our representatives are available Oct. 1 – March 31 from 8 a.m. to 8 p.m., seven days a week or April 1 - Sept. 30 from 8 a.m. to 8 p.m., Monday through Friday.

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*This benefit is only applicable in the states referenced. Members will be charged in-network cost sharing for covered services received from providers that accept Medicare. All members are charged applicable cost sharing for emergent and urgent care as listed in the Evidence of Coverage. Members should receive prior authorization for services listed in the Evidence of Coverage when traveling to Arizona, Florida, Texas and Michigan (outside of the service area).

†Receiving care outside of the HAP Medicare Advantage plan service area (58 counties for HMO and 57 counties for PPO) could result in out-of-network costs.

Many of HAP’s individual Medicare Advantage plans include this benefit. If your employer provides your Medicare coverage, your benefit package is dependent on what your employer selected.

Health Alliance Plan (HAP) has HMO, HMO C-SNP, HMO-POS, and PPO plans with Medicare contracts. HAP Medicare Complete Duals (HMO D-SNP), HAP Medicare Complete Assist (PPO D-SNP), and HAP CareSource^TM MI Coordinated Health (HMO D-SNP) are Medicare health plans with a Medicare contract and a contract with the Michigan Medicaid Program that provides benefits of both programs to enrollees. Enrollment depends on contract renewals.