NEW Small Group Solutions: Healthy Solutions - Most affordable plan design; refunds the first copay when member sees a PCP Flexible Solutions - Offers most plan design options; Mix and Match with copay, coinsurance and codeductable Comprehensive Solutions - Most rich plan designs; least cost-share     View Plans Large Group:     Standard Plans Value-Added Services

In the HMO option, you choose a personal care physician (PCP) from our network of providers to coordinate all routine medical care and arrange for specialty care. The PCP ensures that you receive the best care available, at the right time and in the right setting.

The HMO option is ideal for:

• Groups that want powerful in-network coverage at a stable, predictable rate.
• Employers seeking added value and worksite wellness programs.
• Families with children who want low out-of-pocket costs for routine care.
• Families with children who want preventive coverage.

HAP's Flexible Cost Sharing plans offer the same benefits as our typical HMO with a few changes that support active consumer participation:

• Annual out-of-pocket maximums.
• A wide range of deductibles and coinsurance options, with lower premiums.

The ideal candidates for this product include:

• Employers who are seeking a lower premium cost.
• Employers focused on offering flexible options.
• Employees seeking wellness and preventive care

ADVANTAGES OF OUR HMO:

Powerful in-network benefits such as:

• Health maintenance. Plans are designed to encourage routine care, early detection and prevention, and management of chronic illness. Routine, preventive care is covered with fixed copay.
• Coordinated care and cost effective delivery system. For increased savings to your group, employees use their personally chosen PCP to oversee all of their care.
• Coordinated care. Health care is coordinated at one source with the employee's PCP managing all medical care needs.
• Emergency coverage worldwide. Emergency care is available worldwide with the HAP identification card.
• Stable and predictable rates. This product is community-rated. All employees and employer groups are pooled together for rating purposes. As a result, relatively consistent rates can be expected from year to year.
• Flexible cost sharing. A range of copayment selections and benefit designs are available.
• HAP Advantage discounts. HAP stretches members’ health care dollars by offering valuable money saving discounts and extras on health and wellness related activities such as FitnessWorks, GlobalFit, Henry Ford Lasik, Henry Ford OptimEyes and 1800-Flowers.

Disease management. Programs and information are provided to help members with chronic diseases improve their health and quality of life. Some of these programs include HAP’s HealthTrack for asthma, smoking cessation, diabetes, depression and congestive heart failure.