HAP's sales and network coverage areas 

Our fully funded plans offer the coverage your employees need and the peace of mind that comes with fixed health care costs. It’s important to understand the difference between the types of plans and what benefits each offer.

• HMO: Coordinated care through a primary care physician
• EPO: Flexibility to seek services throughout Michigan
• PPO: Flexibility to seek services throughout Michigan as well as national coverage

*Specialist's office may require a referral but HAP does not. 

Discover HAP’s newest innovative health plan!

HAP and Henry Ford Health have combined to deliver a plan with world-class healthcare and clinical excellence to provide your employees with cost-effective care. With Henry Ford Health Select, members have access to:

• 13 acute care hospitals
• 550+ medical centers
• 9,400+ physicians and specialists

Learn more

A health savings account, or HSA, is a tax-exempt account used to pay for qualified medical expenses for the account holder and their dependents. A health reimbursement arrangement, or HRA, is an employer-funded account used to reimburse employees for out-of-pocket medical expenses. Use this chart to compare these options and choose what’s best for you and your employees.

*Limits are subject to change due to IRS rules.

All qualified medical expenses as defined in Section 213(d) of the Internal Revenue Code.

With our fully insured HMO plans, your business must be located within one of these Michigan counties below. In a Large Group HMO plan, your employees can seek in-network care in the Michigan counties below and in northwest Ohio*.

*Seven counties in northwest Ohio are also considered in-network in your HMO plan: Defiance, Fulton, Henry, Lucas, Ottawa, Williams and Wood.

**Pending DIFS approval.

With our fully insured PPO plans, your business must be located within one of the Michigan counties below. With a HAP Large Group PPO plan, your employees can seek care through our statewide PPO network throughout Michigan and northwest Ohio* or use the Aetna Signature AdministratorsⓇ Network when outside of that network.

*Seven counties in northwest Ohio: Defiance, Fulton, Henry, Lucas, Ottawa, Williams and Wood.

With our fully insured EPO plans, your business must be located within one of the Michigan counties below. With a HAP EPO Large Group plan, your employees can seek care in our statewide PPO network in Michigan and northwest Ohio*.

*Seven counties in northwest Ohio: Defiance, Fulton, Henry, Lucas, Ottawa, Williams and Wood.

**Pending DIFS approval.

All HAP plans include an annual eye exam - at no additional cost -from a vast network of eye care professionals. Your vision just got better with EyeMed and expanded access to a nation-wide network of doctors for routine eye care needs. Simply visit hap.org/eyedoctor for routine visits. 
 
HAP members can access their vision benefit coverage information through the HAP Member portal. For a medical/surgical vision doctors, visit hap.org/find-a-doctor.

Vision Provider Locator