Alliance Medicare PPO Plans Review

Alliance Medicare PPO plans are offered through HAP or Health Alliance Plan of Michigan.  They offer two plans throughout several counties in Michigan.  The plans are simply labeled Individual Plan 001 and Individual Plan 004, and they are available in the following counties:  Genessee, Lapeer, Livingston, Macomb, Monroe, Oakland, St. Clair, Washtenaw, and Wayne.  Below is a summary of the costs and coverage for each plan:

Individual Plan One

  • Premium is $152.80/month
  • Covers both Medical and Prescription Drugs
  • $6,700 Max Out-of-Pocket in-network and $10,000 Out
  • $75/day hospital co-pay days 1-5
  • $20 co-pay for primary and $35 co-pay for specialist
  • $0 – $75 co-pay for outpatient surgery
  • $0 – $75 co-pay for labs and diagnostic procedures and tests
  • No Part D drug deductible
  • Tier 1 = $6; Tier 2 = $10; Tier 3 = $45; Tier 4 and Tier 5 = 33%
  • Discounts offered on 90 days supply
  • Offers $0 co-pay for hearing and vision exam

Individual Plan Two

  • $177 Monthly Premium
  • Covers both Medical and Prescription Durgs
  • Covers Tier 1 and Tier 2 through the Coverage Gap
  • $6,700 Max Out-of-Pocket in-network and $10,000 Out
  • $75/day hospital co-pay days 1-7
  • $15 co-pay for primary and $30 co-pay for specialist
  • $0 – $75 co-pay for outpatient surgery
  • $0 – $75 co-pay for labs and diagnostic procedures and tests
  • No Part D Drug Deductible
  • Tier 1 = $4; Tier 2 = $8; Tier 3 = $40; Tier 4 and Tier 5 = 33%
  • Discounts offered for 90 days supply
  • Offers $0 co-pay for hearing and vision exam

Optional supplemental benefits for dental and gym memberships are offered through the plan.  The dental gives two options at $23.40 and $44.90/month while the gym programs are either $25 or $40 a month.  These plans are two of the most expensive plans I have seen.  At these prices, be sure to compare against a Medicare supplement to see if a Plan F might make more sense for you!  More details about these plans can be found at their website.

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