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HAP is here with solutions for those who need continued coverage.

The impact of COVID-19 is causing employers to make tough decisions. During these unprecedented times, HAP is HERE to help you understand your health care options. We want to work with you to make sure you understand your health care options and find the right solution for you and your family. 

It’s never a good time to lose a job or make changes to your health care, but we want you to know there are multiple options for you based on your specific circumstances, including:


Employees should speak with their company’s human resources department to verify eligibility. 

Individual Qualified Health Plans (Off Marketplace)

HAP offers a variety of Off Marketplace PPO and HMO plans that should be considered. As a reminder, premium tax credits on the marketplace are calculated by the estimated household income for 2020. If, at the end of the year, an individual has taken more advance payments of the premium tax credit than eligible for, they’ll have to pay money back when filing their federal income tax return. This is called reconciling the advance payments of premium tax credit and the actual premium tax credit qualified for, based on final 2020 income.

To learn more about HAP’s Personal Alliance plans visit

Strong Catastrophic plans

HAP offers very competitive PPO and HMO catastrophic plans for individuals under the age of 30. Our catastrophic plans fully cover the first three office visits (all other visits covered after deductible), along with a $0 telehealth copay through 6/30/2020.

HAP HMO Choice network plans

HAP also offers choice network plans in both Silver and Bronze levels. These plans give access to quality care from a select group of doctors. These plans allow individuals to enjoy lower monthly premiums because it’s easier for the PCP to coordinate care.

Henry Ford Choice plan highlights

  • Most plans have $0 telehealth copay
  • Access to more than 1,400 doctors in the Henry Ford network
  • Save as much as 12 percent on monthly premiums with Henry Ford Choice network plan
  • Available for residents of Macomb, Oakland and Wayne county
  • It’s necessary to choose a PCP from the Henry Ford network and see a Henry Ford doctor if you need specialty care

Genesys Choice plan highlights

  • Most plans have $0 telehealth copay
  • Access to leading mid-Michigan doctors and specialists within Genesys Regional Medical Center
  • More affordable premiums
  • Available for residents of Genesee county
  • It’s necessary to choose a PCP from the Genesys Choice network and see a Genesys network doctor if you need specialty care

HAP is here, carrying over deductibles

HAP is always looking for unique ways to bring better value to our members. Once a member joins, their health care costs from a previous plan carries over to a new HAP Personal Alliance health plan. These are costs they already paid toward their deductible. We want to ensure members aren’t starting over just because they needed to find a new plan.

To view an overall plan summary – to view all our individual plan options.

$0* Medicare Advantage plan options

For those individuals 65 and older, or disabled, HAP offers $0 HMO and $0 PPO plan options. These plans include prescription drug coverage, over the counter item allowance and preventive dental. To learn more, call (812) 668-3641 to discuss your options with a licensed Medicare specialist.

Learn more about HAP's $0* Medicare Advantage plan  options. 

Healthy Michigan Plan through HAP Empowered

Employees can visit or visit the local Department of Health and Human Services office, who can help to verify eligibility. If qualified, they can call Michigan Enrolls at (888) 367-6557 (TTY: 711) and request coverage through HAP Empowered. If they don’t select a health insurance plan, one will be auto assigned.

Learn more about HAP Empowered Healthy Michigan Plan.