AlightRHS issues.  (Whether or not receiving benefits subsidized by HPInc or HPE.)

Menu of Benefits Enrollment pages: Enrollment Menu 

Based on reports from HP Alumni Association members who have completed enrollment. Join forums: https://www.hpalumni.org  Not officially endorsed or supported. Question? Email us: info@hpalumni.org  (Updated Nov 30, 2025)

Related page: AlightRHS phone appointment -- before and during. What to expect. How to escalate. AlightRHS Appointment

Note: If your coverage is not subsidized, Alight Retiree Health Solutions is just one of the many ways to select and buy health policies. https://www.hpalumni.org/enroll-ways-to-buy

You may wish to buy your Advantage or Medigap plan via another path and use your HPInc RRA subsidy to buy other plans from AlightRHS -- such as Medicare Drug -- or general dental, vision, and/or hearing.

New! Get RRA subsidy without purchasing from AlightRHS. A way to file reimbursement claims. https://www.hpalumni.org/enroll-without-alightrhs

We strongly recommend that you explore your options on the AlightRHS website before your phone appointment -- which you can do without disturbing your current plan settings.

Activate your AlightRHS account, use it to shop for plans, and check status of plans bought from AlightRHS: https://www.hpalumni.org/enroll-alightrhs-account

AlightRHS issues.

HPAA members have reported several issues...

Bug when filtering on doctors. When you are looking at Advantage plans, you can filter based on the doctors that you entered earlier in the process. However, if you check more than one Doctor box in the filter dropdown, instead of displaying only plans that are accepted by all of your doctors, the program lists *any* plan that is accepted by *any* of the doctors.

This bug was reported to the HPAA's management contact at Alight. "We are overly cautious when making updates to our system during the enrollment period. In the meantime, retirees may want to review doctors / networks individually on the site to ensure they are returning the true number of doctors that would be expected. I know this is not convenient. I do apologize." --HPAA's AlightRHS management contact, 10/20/25.

Plan recommendations easily misinterpreted.

The AlightRHS website uses the same "plan recommendation tool" that the AlightRHS agents use. Some of the questions asked, such as location and age, are required to select and price plans. Other questions are optional. The system uses "...information you provide about your doctors and prescription drugs to give each plan a score that's tailored to you."

It is unrealistic to rely on any online database -- whether from a health system, or from an insurer, or from an insurance sales agency (including AlightRHS) -- or even the official Medicare plan directory -- for plan coverage information on doctors and other providers.

That is fragile, constantly-changing, second- or third-hand information -- and may not be valid for the coming year.

Check directly with the doctors' offices to determine if your current doctors and other providers will be accepting the Medicare plan that you are considering for next year. Ask for the "billing specialist" or the "billing office." Some only accept existing patients. (Details: https://www.hpalumni.org/enroll-providers )

The AlightRHS system is easily misinterpreted. For example, one member wanted to convert from an HPInc group plan from a major HMO to an individual plan at the same HMO. The agent entered the names of their current PCP and specialists at that HMO. The AlightRHS system falsely indicated that each of their current doctors at the HMO was closed to existing patients. However, each of the specific doctor pages on the HMO's public website showed just that they are not accepting *new* patients. The Alight agent looked at the HMO website, but would not complete the application.

Don't enter doctors -- just say that you will accept any doctors in the plan.

Not all policies are available from AlightRHS. As with any agency, AlightRHS does not offer every plan available in your area.

To see all policies available in your county from any source, go to the official US Government site. Some are small local or regional plans. The plan names indicate that some are for veterans or other specific groups. Some plans prefer to sell direct or through a single agency. https://www.medicare.gov/plan-compare  (Non-Medicare plans: https://www.healthcare.gov )

AARP/UHC plans. Many are not specifically listed on the AlightRHS plan selector, but are available by asking your AlightRHS agent -- as indicated in list of plans available to you. "The UHC AARP plans have very stringent rules for multi-state brokers like ourselves that are effectively impossible to administer, when it comes to displaying the plans with quoted rates on our website. As a result we are not able to display the rates." --HPAA's AlightRHS management contact 10/10/25.

Alight agents may not understand this -- or may not know how to sell you an AARP/UHC plan.

UnitedHealthcare is the largest Medicare insurer. UHC pays royalties to AARP for use of the brandname. While a $20 AARP membership is required, AARP plans are not group plans.

Members report that if your existing group policy is at UHC -- and you are purchasing an individual open-market policy from UHC -- you do not need to forward the letter from UHC about your disenrollment from the UHC group plan. Apparently UHC's system is smart enough to deal with that.

Tufts, but not Harvard Pilgrim. Both are from the same health system -- but only Tufts is available through Alight, per the HPInc Enrollment Guide.

Costs shown are approximate until confirmed by the agent during the enrollment process.

Every Plan Recommendation page says in tiny gray type at the bottom of the page: "This is an estimation based on user provided data and may vary if more information is provided to the Benefit Advisor. Coverage recommendations are not an endorsement of any specific health plan or insurance carrier. This is not a guarantee of actual costs, but just an approximation to assist you in shopping."

"One member was told that the site assumes a "household discount." Footnote in gray mouse type: "costs... just an approximation to assist you in shopping." 

To compensate for local cost variations, government payments -- and policy prices -- vary by county, as determined by zip code.

Insurers may elect to drop coverage in some counties and use loss-leader pricing to gain long-term market share in other areas.

For a specific plan under the same terms, you pay the same price regardless of who you bought it from.

Once an application is approved by an insurer, the sales agency is paid an initial commission -- and continuing commissions every year for servicing your account. Advantage: $700-$860 for initial sale; $350-$430 for each year thereafter. Medigap: typically $260-$440 (22%) initial year and each year for five more years. Part D: $114, then $57/year.

Problem with AlightRHS? -- such as the assigned agent not getting back to you or having difficulties using the system -- you can ask to switch agents. (And the HPAA has an escalation path to AlightRHS management -- which will get results: https://www.hpalumni.org/escalate-ARHS )

Despite all of this, most HPAA members report that the AlightRHS process works well once set up.

HPInc first offered subsidized open-market plans in 2017. Now used by thousands of HPInc retirees.

If you have a problem with a plan. As with any insurance sales agency... start with the agency that sold you the plan. For Alight Retiree Health Solutions, if the first-level person can't resolve your issue, they can escalate it to a special group within Alight. The sales agency gets a monthly commission for servicing your account. (HPInc or HPE is out of the picture, except for reimbursing you from your RRA.)

Next step: AlightRHS phone appointment -- before and during. What to expect. AlightRHS Appointment

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