Power Package

Feature	HAP HMO	Alliance PPO	Alliance EPO	HDHP
PCP Required	Yes	No	No	Optional
Referrals Required	PCP directs care to specialists	No	No	Optional
Out-of- network Benefits	No	Yes, at higher cost	No	Yes, at higher cost
Prescription Coverage	Optional	Optional	Optional	subject to deductible & coinsurance
Copays	Yes	Optional	Optional	No
Coinsurance	Optional	Optional	Optional	Varies by plan
Deductibles	Optional	Optional	Optional	Yes
Funding	community-rated	experience-rated or self-funded	experience-rated or self-funded	self-funded or fully-insured
Health Savings Account compatible	Optional	Optional	Optional	Yes
Worldwide coverage	Yes for emergency and urgent care	Yes for emergency and urgent care	Yes for emergency and urgent care	Yes for emergency and urgent care
Service Area	Genesee, Lapeer, Livingston, Macomb, Monroe, Oakland, St. Clair, Washtenaw, Wayne	Arenac, Bay, Clare, Genesee, Gladwin, Gratiot, Huron, Iosco, Isabella, Lapeer, Livingston, Macomb, Midland, Monroe, Oakland, Ogemaw, Roscommon, Saginaw, Sanilac, St. Clair, Tuscola, Washtenaw, Wayne	Arenac, Bay, Clare, Genesee, Gladwin, Gratiot, Huron, Iosco, Isabella, Lapeer, Livingston, Macomb, Midland, Monroe, Oakland, Ogemaw, Roscommon, Saginaw, Sanilac, St. Clair, Tuscola, Washtenaw, Wayne	Arenac, Bay, Clare, Genesee, Gladwin, Gratiot, Huron, Iosco, Isabella, Lapeer, Livingston, Macomb, Midland, Monroe, Oakland, Ogemaw, Roscommon, Saginaw, Sanilac, St. Clair, Tuscola, Washtenaw, Wayne