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Legal Notice

Legal Terms and Conditions
In consideration of using this web site and various resources contained herein, users agree to and acknowledge the following without limitation:

Federal Exchange
This website is operated by Health Alliance Plan and is not the Health Insurance Marketplace website offered by the Federal government. In offering this website, Health Alliance Plan is required to comply with all applicable federal laws, including the standards under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans being offered in your state through the Health Insurance Marketplace website. To see all available data on Qualified Health Plans in your state, go to the Health Insurance Marketplace at

Corporate Structure and Certification
Health Alliance Plan of Michigan (HAP) is certified by the State of Michigan as a health maintenance organization. HAP offers health plans by and through its certification, as well as through its corporate affiliates and subsidiaries. Alliance Health and Life Insurance Company (Alliance) is a wholly owned subsidiary of HAP and is licensed as an insurance company by the State of Michigan. Unless otherwise indicated, use of the word HAP means HAP and its subsidiaries, including Alliance.

Delta Dental is not a subsidiary or corporate affiliate of HAP. The dental program identified on this site is offered and underwritten by Delta Dental and not HAP/Alliance, with network management services also provided by Delta Dental and not HAP/Alliance.

There are references throughout the site to various trademarks or service marks and these, whether registered or not, are the property of their respective owners, including HAP and Alliance.

Disclaimer of Liability
HAP does not warrant the accuracy or completeness of the information on this Web site or on Web sites linked through this Web site. All material, including any link to other sites, and the content found at linked sites is provided "as is" and without express or implied warranties, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and title. Use of this Web site is entirely at your own risk. Due to the nature of the internet, HAP does not warrant that access to services will be uninterrupted or error free. Moreover, HAP does not warrant or make any representations regarding the usefulness of or the expected results of the material contained on the HAP site. HAP is not responsible for the consequences of or reliance on any information contained in or submitted to this Web site or linked through this Web site. The risk of injury from such reliance rests entirely with you. HAP will not be liable for any loss resulting from the use or inability to use the information on this Web site, including, without limitation, direct, indirect, special, incidental, consequential or punitive damages.

Viruses, Worms, and Use of Files
HAP cannot and does not guarantee or warrant that files available for downloading from the site are free of viruses, worms, Trojan horses or other code that has contaminating or destructive properties. HAP does not make any express or implied warranties, representations or endorsements whatsoever (including without limitation warranties of title, non-infringement or fitness for a particular purpose) with respect to the files available for downloading from the site. In no event will HAP be liable to you or to anyone else for any decision made or action taken by you or anyone else in reliance on results obtained from the use of files downloaded from the site. These files may be downloaded and/or reprinted for personal use only. Permission to reprint or electronically reproduce any document or graphic in whole or in part for any reason except for personal use is expressly prohibited, unless prior written consent is obtained from appropriate HAP personnel.

Use of Social Network Media
Your use of social networking media involving this HAP site and applications, including but not limited to participation in or use of blogs, threaded discussions, message board and wikis (all of which is referred to as "social media", is conditioned upon your compliance with the following rules:

  1. Do not post or transmit any unlawful, threatening, abusive, libelous, defamatory, racist, obscene, vulgar, pornographic, profane or indecent information. This includes, without limitation, any transmission that are or that encourage illegal conduct. This ban includes anything that would constitute a criminal offense, give rise to civil liability or otherwise violate any local, state, national or international law.
  2. Never post or transmit comments containing harassing or offensive language, using sexual references, sexual nicknames, racial slurs or rude or deliberately offensive comments.
  3. Do not engage in disruptive activity online, including excessive use of scripts, sounds waves or scrolling (repeating the same message over and over).
  4. Do not post or transmit any information, software or other material that violates or infringes the rights of others. This prohibition includes material that constitutes an invasion of privacy or publicity rights permission from the owner.
  5. Never post or transmit any information, software or other material that contains a virus, worm, Trojan horse or other code that has contaminating or destructive properties.
  6. Do not post any information, software or other material for commercial purposes.
  7. Do not solicit other users to join or contribute money to any online service or other organization, or advocate or attempt to persuade users to join in legal or illegal schemes.
  8. Never pretend to be any other person or entity. Site users also may not falsely represent their professional or other affiliation with any person or entity.
  9. Do not use this HAP site to collect personally identifiable information in violation of the HAP Privacy Statement.
You agree that HAP, at our sole and absolute discretion, determines whether any information transmitted or received violates this provision. You also agree to indemnify and hold HAP and our employees, officers, directors and agents harmless from any information or material you contribute to the Social Media you access via this HAP site.

HAP has no obligation to monitor Social Media. However, we reserve the right to monitor any and all information transmitted or received through this HAP site. HAP may examine, record, copy and use any information on this HAP site in accordance with the HAP Privacy Statement. HAP reserves the right, in our sole and absolute discretion, to remove any information or materials, in whole or in part, from the Social Media.

When using this HAP site or Social Media, please be certain that anything you disclose does not compromise your personal safety or identity. Please don't provide your name, phone number, social security number or any other personally identifying information to people you do not know. Don't continue any conversation online that makes you feel uncomfortable. Help HAP protect your safety and privacy.

Mobile Devices
Certain web and smartphone applications for this HAP site have been designed to run on a personal computer, standard laptop or web-enabled mobile device. If you view or use the site on a mobile or handheld device you may experience some display and functionality limitations. You may experience varying wireless network coverage and speed, depending on your geographical location and telecommunication provider. Your mobile or hand held internet device should not be used while operating a motor vehicle.

Note that if your mobile device uses Global Positioning System technology, trackers or other location tracking tools, your location information may be used for purposes of determining your location when using a function on the HAP site. While using the HAP site, if you allow your location information to be obtained, we will use this information solely to provide you with more personalized results and/or services. HAP does not monitor your tracking or location information, and does not save this information. HAP will not use this information to identify you or disclose this information to any third parties, unless ordered to do so by police agencies.

By using the HAP site with your handheld or mobile device, you expressly agree and acknowledge that HAP shall not be responsible for any of the following:

  1. Performance limitations and /or failures experienced in connection with any wireless or Wi-Fi service used to access the site;
  2. Data transmitted through wireless access that may be intercepted by unauthorized persons; or
  3. Your failure to physically secure and/or monitor your personal wireless device to protect your passwords, resulting in unauthorized access to the site and/or your HAP account or plan information.

While using any web-enabled mobile or handheld device to use the HAP site, standard mobile phone carrier and data usage charges will apply. You expressly agree and acknowledge that use of any mobile or handheld device is at your sole risk and shall be in accordance with all the applicable local, state and federal laws.

No Medical or Legal Advice
The information contained in and through this Web site is general in nature and is not a substitute for professional medical advice or services. A physician-patient relationship or attorney-client relationship between HAP, its employees and contractors, and the user cannot and is not created by use of this Web site or by any other circumstance. Consult your physician or other health care professional for your specific health care needs. Consult your attorney for legal advice.

HAP grants a nonexclusive, limited permission to the owners of other web sites to link to this web site using text links. Such links shall not suggest that HAP promotes or endorses any third party's sites, products or services; or be used or associated with any inflammatory, pornographic, defamatory or unlawful site or materials in any way, or in any manner that would disparage or adversely affect the name, reputation and goodwill of HAP, or its subsidiaries. HAP retains and reserves all rights to its domain names, trade names, trademarks and logos, copyrights and all other intellectual property on this site. HAP reserves the right to withdraw permission for any link. Site owners that link to this site shall indemnify, defend and hold HAP harmless from and against all liability, demands, claims, suits, losses, damages, infringement of proprietary rights, causes of action, fines, or judgments, (including cost, attorneys' and witnesses' fees and expenses incident thereto), arising out of their failure to comply with the terms and conditions of this "Links With Other Web Sites" section.

Changes and Governing Law
HAP reserves the right to make changes to this HAP site and service and our legal disclaimers. HAP encourages you to review the site and these terms periodically for any updates and changes. Your continued access or use of the site shall be deemed your acceptance of these legal disclaimers and any changes and the reasonableness of these standards for notice of changes. Use of the site and purchases of products from the site will be governed by and construed in accordance with the laws of the State of Michigan, without giving effect to its conflict of law provisions. You agree that any legal action or proceeding between you and HAP will be brought exclusively in a federal or state court of competent jurisdiction sitting in Detroit, Michigan. If any provision of this Legal Terms and Conditions shall be unlawful, void, or for any reason unenforceable, then that provision shall be deemed severable from this disclosure and shall not affect the validity and enforceability of any remaining provisions.

By using the HAP site, you agree to receive any applicable software updates that may be issued from time to time by HAP. You agree to accept and install such updates as part of your use of the HAP site. You also agree not to reverse engineer, modify, decompile, adapt, translate, disassemble, or otherwise attempt to discover the source code of the HAP site and/or any HAP application.

Product and Services
The products and services described on this Web site are not intended as solicitations or offers to sell any product or service. Products and services are provided only in certain geographic areas. Covered benefits are only provided under the terms and conditions of the applicable plan contract. Anyone interested in HAP products or services should contact HAP for further information.

Minors and Privacy
Except as expressly stated upon initial access to a specific HAP application or website, or section of such application or site, this HAP site does not direct content to Minors and does not intend to collect personal information from Minors and therefore is not subject to the Children's Online Privacy Protection Act. If you allow minor children, or a child for whom you are legal guardian, to access and use this HAP site, you agree that you will be solely responsible for the online conduct of such Minor, the monitoring of such Minor's access to and use of the site, and the consequences of any use.

Digital Millennium Copyright Act
HAP reserves the right, but not the obligation, to terminate your access to the site if it determines in its sole and absolute discretion that you are involved in infringing activity, including alleged acts of first-time or repeat infringement, regardless of whether the material or activity is ultimately determined to be infringing. HAP and its vendors accommodate and do not interfere with standard technical measure used by copyright owners to protect materials.

If you choose to access the HAP site from outside the United States you do so on your own initiative and are responsible for compliance with U.S. and local laws, if and to the extent that local laws are applicable. Software is subject to United States export controls. No software may be downloaded or otherwise exported or re-exported into (or to a national resident of) Cuba, Iraq, Libya, North Korea, Iran, Syria, or any other country to which the U.S. has embargoed goods or to any on the U.S. Treasury Department list of Specially Designated Nationals or the U.S. Commerce Department's Table of Deny Order. You represent and warrant that you are not located in, under the control of, or a national resident of any such country or on any such list. You agree to comply with U.S. export control laws and that you will not transfer any software or other content from the HAP site to a foreign national or foreign country in violation of those laws.

Proprietary Information
You acknowledge and agree that the content accessible within this Web site is the proprietary information of HAP and its content providers and HAP and its content providers retain all right, title and interest in the Content. Accordingly, if you reproduce, transmit or distribute the Content you agree to attribute the Content to HAP. Additionally, you will not remove or alter, or cause to be removed or altered any copyright, trademark, trade name, service mark, or other proprietary notice or legend appearing on any of the Content.

If you do not agree to abide by these Legal Terms and Conditions, you have the ability and right to stop interacting with HAP over the Internet by non-use and exiting this Web site.

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