Alliance Health Insurance for Drug Rehab

Alliance Health Insurance offers coverage through Alliance Health Plan (HAP). This is a nonprofit based in Detroit serving more than 575,000 members, along with 2,200 employers with group coverage. The company is a subsidiary of the Henry Ford Health System, which is one of the leading health care providers in the country.

Overview of Allied Health Insurance Network

HAP has a reputation for providing flexible insurance products to meet the health needs at affordable rates for Michigan residents. The health insurance plan’s provider network includes a total of 48 hospitals, as well as 2,750 primary care doctors and 6,500 specialists in various practice areas.

Examples of Health Insurance Coverage Available for Drug Rehab

HAP offers health insurance plans at several coverage levels to suit its subscribers’ needs and budgets. The company’s coverage is divided into Platinum, Gold, Silver and Bronze levels. The type and level of coverage for drug rehab varies, depending on the type of policy selected.

Platinum Coverage

• HAP Personal Alliance 500 HMO

The deductible for this plan for in-network treatment is $500.00 for an individual and $1,000.00 for a family. Out-of-network treatment is not covered. Inpatient services for drug treatment services are covered at 20 percent after the deductible is met. Outpatient services are subject to a $10.00 copay.

Gold Coverage

• HAP Gold Personal Alliance 1000 HMO

The deductible is $1,000 for an individual and $2,000.00 for a family. Out of network treatment is not covered. Inpatient treatment for drug rehab is covered at 20 percent after the deductible is met. Outpatient treatment is subject to a $20.00 copay.

• HAP Personal Alliance 1500 Direct PPO

The deductible is $1,500.00 for an individual and $3,000.00 for a family. Out-of-network coverage deductible is $5,000.00 for an individual and $10,000.00 for a family. Inpatient drug rehab services are covered after the deductible is met; outpatient services require a $20.00 copay.

• HAP Personal Alliance 2000 Direct PPO (HSA)

The deductible is $2,000.00 for an individual and $4,000.00 for a family. Both inpatient and outpatient drug rehab services are covered once the deductible is met.

Silver Coverage

• HAP Personal Alliance 2000 Direct PPO

The deductible for in-network coverage is $2,000.00 for individual coverage. The family coverage deductible is $4,000.00. For out-of-network coverage, the deductible is $4,000.00 for an individual and $8,000.00 for a family. Inpatient drug rehab services are covered at a rate of 20 percent after the deductible is met. Outpatient services require a $35.00 copay.

Bronze Coverage

• HAP Personal Alliance 5000 HMO

At this coverage level, the in-network deductible is $5,000.00 for an individual and $10,000.00 for a family. There is no out-of-network coverage. Inpatient drug rehab services are reimbursed at 20 percent once the deductible is met, and outpatient services are subject to a $40.00 copay.

Before making arrangements to attend drug rehab, always confirm coverage with your insurance provider. The treatment center you choose may be able to coordinate your insurance benefits before start receiving services.

If you’re looking for a drug rehab program or detox center that accepts Alliance, contact us today to speak with one of our counselors.

Call: 800-906-9762