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If you are considering the Alliance Health Insurance Company, or any other provider, for your health insurance needs then the first step is to learn a bit about the company you are considering trusting with your health and money.
The Alliance Health Insurance Company is a subsidiary of a company known as Health Alliance Plan (HAP). Alliance is a company that offers a selection of flexible health insurance products to customers in Michigan. Alliance subscribers sign up for a Preferred Provider Organization (PPO) and get access to services provided by more than 15,000 health care providers.
Continue reading this Alliance health insurance company review and then leave your own review of Alliance at the bottom of the page. After you have completed reviewing Alliance then be sure and use our free health insurance quote finder to compare rates from the best health insurance providers all at once. Enter your zip code in the tool on this page to get started for free!
The Alliance health insurance company has been in business for close to 50 years. Alliance is affiliated with the Health Alliance Plan (HAP) and also the esteemed Health Ford Health System. HAP has a strong commitment to making preventative health care affordable for all regardless of income levels.
HAP was considered to be one of the 3 “most recommended” health insurance plans in the Northeast (Source: UltraLink Annual HMO Satisfaction Survey). According to the HAP website, “more than 92% of HAP members would recommend HAP to others”.
When you are considering purchasing health insurance, whether it is from Alliance health insurance or another provider, you need to look at more than just the premiums you will be paying. Consider the level of coverage you will be getting under the plan. Getting a good price for monthly premiums is not much of a bargain if you aren’t getting coverage for the kinds of services you are most likely to use.
Another important consideration to keep in mind when looking at health insurance plans is the deductible you will be paying. This is the amount you agree to pay toward the cost of your health care services yourself before the insurance company will pay any benefits. Once you have reached this level, you will likely have to pay a certain percentage of the cost of your health care services and the insurance company will pay the rest.
Co-pays are also part of a PPO policy. Co-pays are fees that you pay directly to the doctor or hospital for office visits or hospital care. The amount of the co-pay will be set out in your policy documents. Be sure to read them carefully so that you understand exactly what you are paying for when you pay your monthly premium for health insurance.
If you have any questions about your policy or the coverage you have, be sure to contact the insurance company to get them answered. That way, you can avoid any disputes with your insurance company after you need to get medical attention. This insurance expert can answer your questions regarding providers like Alliance, and help you to determine whether a PPO or some other type of other plan will best meet your needs.
Now that you understand how a PPO plan like the one offered by Alliance health insurance company works, you are ready to take the next step and get quotes from different insurers. Keep in mind that different companies offer different packages of services, and premiums vary between companies. If you click on the free health insurance provider comparison tool at the top of this page, you can get started right away!
3 Customer Reviews of “Alliance Health Insurance Company”
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Review by jane doe, September 15, 2009
HAP is a terrible company – they try to get out of covering any service they can and their costumer service is worse than terrible. I would tell anyone I know to stay far far away because having coverage through this company is worse than having no coverage at all.
Review by DG, June 8, 2010
Worst customer service ever! They keep rejecting a bill from the hospital, the only answer I get is, “Well, it shouldn’t have been rejected, this person is covered, just have them send it again”, how many times am I supposed to do this before the bill goes against my credit. The people in customer service are a bunch of rude idiots.
Review by dd, June 19, 2010
I am really upset with HAP putting me on the standard insurance plan. I was not able to complete their Istrive survey on time due to their website technical issues. HAP put on the standard insurance plan instead of enhanced plan. BTW, The Istrive questions sucks. The standard plan doesn’t cover much I have to pay lots of bill for no reason. Just for example, they are asking me to pay $56 for regular medical checkup.
In general, Obama should ban the insurance company all together. The insurance companies manipulate the medical system. Total doctor medical costs are not much. The insurance companies hike the medical cost, and takes extra money from the subscriber’s salary. The insurance companies pays fraction to the doctors of the hiked prices.
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