What is HAP's policy regarding out-of-network charges?

Health Alliance Plan, commonly referred to as HAP, generally has specific policies regarding out-of-network charges, which can vary based on the type of plan enrolled in by a member. For most HAP insurance plans, services received from out-of-network providers may result in higher out-of-pocket costs. This is because HAP typically operates within a network of contracted providers who have established agreements that allow them to provide services at negotiated rates. If a member chooses to seek care from an out-of-network provider, they should be aware that coverage may be limited or that they may be responsible for paying the full billed amount, depending on their specific plan provisions. Furthermore, certain plans may require prior authorization for out-of-network services or may not cover them at all unless it is an emergency situation. It is advisable for members to review their specific policy documents and the benefits outlined in their plan to fully understand how out-of-network services are treated. For more details or to find specific information related to one's plan, members can check the Health Alliance Plan website or their member portal.