Comparing Medicare plans could provide cost savings or expanded benefits. Also, if you are currently enrolled in Medicare, the benefits covered by your plan might have changed.

When choosing a Medicare plan or reviewing your 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?

Medicare made easy with Health Alliance Plan by Henry Ford Health

Health Alliance Plan is a health insurance provider owned by Henry Ford Health. They offer both Medicare Advantage plans and Medicare Supplement (Medigap) coverage. Benefits vary by plan. Be sure to check your health plan to verify your doctor is an in-network provider. For more information, please visit hap.org/medicare.

Care and coverage combined for a common cause: You

Health Alliance Plan and Henry Ford Health teamed up to support Medicare-eligible Henry Ford Health patients. Together, we created a Medicare Advantage plan designed to give you strong coverage within the Henry Ford Health system.

We designed the Henry Ford Select (HMO) Medicare Advantage plan around the Henry Ford Health network for existing patients. The Henry Ford Health doctors you know and trust are in-network. Providers outside of the Henry Ford Health system are out-of-network and generally not covered.

Benefits of the Henry Ford Select (HMO) Medicare Advantage plan include:

• $0 monthly plan premium* and primary care physician visit copays
• $15 specialist visits copays with access to top Henry Ford Specialists
• $580 flex card annually for retail over-the-counter items, copays associated with the plan and more
• $0 Tier 1 and 2 prescription copays for 90-day mail-order fills at preferred pharmacies
• 100% dental coverage for most preventive and comprehensive services up to $2,000**
• $150 vision allowance toward the purchase of glasses and contact lenses, plus extra discounts at Henry Ford Health’s OptimEyes facilities
• Access to a Health Alliance Plan Navigator for personalized care and answers to your healthcare and insurance questions
• And more

*You must continue to pay your Medicare Part B premium. If you have a late enrollment penalty, it will still apply.

**See the Evidence of Coverage for this plan for more details on the dental benefits.

Medicare Advantage plans lead to better health outcomes

A 2022 study by Optum looked at health data from more than 316,000 people. Half were enrolled in Medicare Advantage and half were enrolled in traditional Medicare. The study found that people with Medicare Advantage plans had better health results. Compared to those with traditional Medicare plans, Medicare Advantage members were:

• 18% less likely to be admitted to the hospital
• 11% less likely to visit the emergency room
• 44% less likely to be hospitalized for COPD (chronic obstructive pulmonary disease)
• 9% less likely to be readmitted to the hospital within 30 days after being discharged

Understanding Medicare

Medicare is a health insurance program from the federal government. It is available to people who are:

• 65 and older
• Under 65 with a disability
• Living with end-stage renal disease or ALS (amyotrophic lateral sclerosis)

When you sign up for Medicare, you have two main options:

• Original Medicare: This plan includes Part A (hospital care) and Part B (medical care). You can add Part D (prescription drugs) and Medicare supplement insurance to help pay for what Original Medicare doesn’t cover.
• Medicare Advantage: All-in-one plans that replace Original Medicare and combine Medicare Parts A and B. Most plans include prescription drug (Part D) coverage and offer extra benefits like dental, vision and hearing. Some Medicare Advantage plans may cost less overall.

See the Medicare & You Handbook for more details.

Enrollment periods at a glance

Initial enrollment period

This is a seven-month window to sign up for Medicare. It starts three months before you turn 65, includes your birthday month and ends three months after. Signing up during this time helps you avoid late penalties.

Annual enrollment period

This period happens every year from Oct. 15 to Dec. 7. During this time, you can join, drop or change your Medicare plan. Your new plan starts on Jan. 1 of the next year.

Open enrollment period

This period happens every year from Jan. 1 to March 31. During this time, you can change your Medicare Advantage plan or go back to Original Medicare. You can make one change during this period. After that, you must wait until the next annual enrollment period.

Medicare Supplement Insurance (Medigap) plans are not guaranteed. You may only be able to sign up at certain times.

General enrollment period

This period happens each year from Jan. 1 to March 31. You can sign up for Medicare Parts A and B if you did not sign up when you first could and do not qualify for a special enrollment period. You may have to pay late penalties. If you sign up during this time, you can choose a Medicare Advantage plan or drug coverage from April 1 to June 30.

Special enrollment period

In some cases, you may be able to change your Medicare plan outside of the usual enrollment periods. This is called a special enrollment period. You may qualify if you:

• Retire and lose health coverage from your job or union
• Move out of your plan’s service area
• Have plan changes in your area
• Qualify for Medicare financial help or full Medicaid

Learn more

Your enrollment date will impact when your coverage begins. For more information about Medicare plans and enrollment periods, visit Medicare Advantage & other health plans. To learn more about Medigap plans, see Medicare Supplement Insurance (Medigap) and Medigap open enrollment periods.

Health Alliance Plan of Michigan has HMO, HMO-POS and PPO plans with Medicare contracts. Enrollment depends on contract renewal..

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