Last edited: 1/19/24
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The following is a list of the specific types of insurance plans for which HPAL will cover the full cost of
premiums for eligible clients.
GENERAL INFORMATION WHAT WILL ADAP COVER?
insurance
(purchased through
the marketplace)
Individuals who are legally present in the
United States and do not have access to
affordable employer-sponsored insurance
or health coverage through public
programs (Medicare, Medicaid) are able to
purchase individual health insurance
through the federal Health Insurance
Marketplace.
HPAL clients are enrolled in the
Blue Cross Blue Shield of
Alabama Blue Value Gold plan.
HPAL will cover monthly health
insurance premiums, prescription
deductibles, and/or co-payments,
and certain medical co-payments
and deductibles.
sponsored health
insurance
ADAP will not provide coverage
for individuals who qualify for
employer-sponsored health
insurance.
COBRA provides the option to continue
group health benefits provided by their
previous employers’ group health plan for
up to 18 months, or 29 months if
determined disabled by the SSA, after
initial enrollment.
Who is eligible?
Employees, and their families, who lose
their health insurance, due to voluntary or
involuntary job loss, reduction in the hours
worked, transition between jobs, death,
divorce, and/or other life events.
ADAP will not provide coverage
for individuals who qualify for
COBRA.
Oral health care is an important part of
overall health for all people, and insurance
can help cover costs of dental care,
including preventative care.
People living with HIV experience a high
rate of common oral health problems, as
well as oral health problems that are
directly related to HIV infection.
HPAL clients are eligible to enroll
in the Blue Cross Blue Shield of
Alabama Dental Blue Select plan.
HPAL does not cover the cost of premiums for other types of insurance that are not listed above.
Coverage for Individuals with Health Insurance: HPAL will cover the cost of deductibles and/or co-
payments for formulary medications for individuals who meet all ADAP eligibility requirements. Case
managers and/or clients are required to provide ADAP staff with information on their health insurance
policy, as well as changes to their insurance coverage/status, to ensure that RWHAP funds are utilized
as the payer of last resort (PHS Act Section 2617(b)(7)(F); HAB Policy Notice 07-03).