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Participating Chambers

Compare Plan Types

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

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