About Health Alliance Plan
Health Alliance Plan (often branded as HAP or Health Alliance Plan by Henry Ford Health) is a nonprofit health insurer based in Michigan and a subsidiary of Henry Ford Health. It offers a range of health coverage options including employer-sponsored group plans, individual and family plans, Medicare Advantage, Medicaid and specialty products for members across Michigan. As part of the Henry Ford Health system, HAP integrates closely with a large regional provider network while also contracting with additional hospitals, physicians and specialists statewide.
A card statement line such as “FMG*HAP INS” with an amount like $29.95 is typically a premium payment or recurring insurance charge associated with a HAP health plan, such as an individual policy, an employer plan employee contribution, a Medicare Advantage plan, or a supplemental product administered by HAP or an affiliated entity like Alliance Health and Life Insurance Company. Charges may appear monthly and can be processed through third‑party billing or employer payroll deduction vendors, which is why a processor prefix like “FMG*” can show before the insurance descriptor.
To verify or resolve questions about this charge, members should first log into their online account at hap.org or review recent invoices or benefit statements to match the billed amount and date with a specific plan or coverage period. If anything looks unexpected, contact HAP using the customer service number on the member ID card or the contact options listed on hap.org, and have your member ID, the last four digits of the card used, and the exact charge amount/date ready. HAP can confirm whether the payment was applied to your policy, clarify if it’s a premium, past‑due balance, or automatic renewal, and help adjust or cancel future automatic payments if needed. If HAP cannot locate the transaction, your bank or card issuer can open a dispute and may temporarily block additional unauthorized charges while the investigation is underway.