HAP has built provider networks that offers some of the best healthcare available in Michigan. We continue to build outstanding networks that include leading doctors and hospitals.
Worldwide emergency, urgent care and travel assistance
HAP members are always covered worldwide for emergency and urgent care, even outside of coverage areas. HAP’s partnership with Assist America provides members with additional emergency travel assistance, including services for lost luggage, travel documents, hospitalization, emergency evacuation and more.
Learn more about the options available for your small business
Group health plans shouldn’t be one-size-fits-all. We’ll work with you to find a plan that meets the needs of your employees and your business.
Our fully insured 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
HMO
PPO
EPO
Members must choose a PCP
Yes
No
No
Referrals for specialists required by HAP
No*
No*
No*
Out-of-network coverage
No
Yes
No
Out-of-network emergency care
All HAP members have worldwide emergency and urgent care coverage as well as telehealth 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:
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.
HSA
Who can open an account?
Employee. But, they must be enrolled in a qualified, high-deductible health plan.
What’s covered?
Qualified medical expenses defined by the IRS
Who owns the account?
Employee
Who contributes?
Employee, employer or any third party. For example, other family members and friends can contribute to the HSA.
Will the account follow the employee if they change employers?
Yes. It’s fully portable.
Can you roll over unused balances?
Yes, they automatically roll over annually.
Are there tax advantages?
The following are tax-free:
Employer and employee contributions
Any interest earned or investments gained
Withdrawals used for qualified medical expenses
What’s the minimum deductible for 2026? *
$1,700 single
$3,400 family
What’s the out-of-pocket maximum for 2026? *
$8,500 single
$17,000 family
What’s the maximum contribution for 2026? *
$4,400 single
$8,750 family
Can the account be used for retirement income?
Yes. After age 65, employees may withdraw funds for any reason, without penalty. If funds aren’t used for qualified medical expenses, withdrawals will be taxed as income.
All qualified medical expenses as defined in Section 213(d) of the Internal Revenue Code. *Limits are subject to change due to IRS rules.
With our fully insured HMO plans, your business must be located within one of these Michigan counties below. Your employees can seek in-network care in the counties below and in northwest Ohio.* Counties not listed below are considered out-of-network.
Alcona
Allegan
Alpena
Antrim
Arenac
Barry
Bay
Benzie
Branch
Charlevoix
Cheboygan
Clare
Clinton
Crawford
Eaton
Emmet
Genesee
Gladwin
Grand Traverse
Gratiot
Hillsdale
Huron
Ingham
Ionia
Iosco
Isabella
Jackson
Kalkaska
Kent
Lake
Lapeer
Leelanu
Lenawee
Livingston
Macomb
Manistee
Mason
Mecosta
Midland
Missaukee
Monroe
Montcalm
Montmorency
Muskegon
Newaygo
Oakland
Oceana
Ogemaw
Osceola
Oscoda
Ostego
Ottawa
Presque Isle
Roscommon
Saginaw
Sanilac
Shiawassee
St. Clair
Tuscola
Washtenaw
Wayne
Wexford
*Seven counties in northwest Ohio: Defiance, Fulton, Henry, Lucas, Ottawa, Williams and Wood.
Small group PPO sales coverage area:
With our fully insured PPO plans, your business must be located within one of these Michigan counties to be eligible. Employees with a HAP PPO small group plan can seek care through our statewide PPO network in Michigan and Northwest Ohio* or use the Aetna Signature Administrators® Network when outside of that network.
Alcona
Allegan
Alpena
Antrim
Arenac
Barry
Bay
Benzie
Berrien
Branch
Calhoun
Cass
Charlevoix
Cheboygan
Clare
Clinton
Crawford
Eaton
Emmet
Genesee
Gladwin
Grand Traverse
Gratiot
Hillsdale
Huron
Ingham
Ionia
Iosco
Isabella
Jackson
Kalamazoo
Kalkaska
Kent
Lake
Lapeer
Leelanau
Lenawee
Livingston
Macomb
Manistee
Mason
Mecosta
Midland
Missaukee
Monroe
Montcalm
Montmorency
Muskegon
Newaygo
Oakland
Oceana
Ogemaw
Osceola
Oscoda
Ostego
Ottawa
Presque Isle
Roscommon
Saginaw
Sanilac
Shiawassee
St. Clair
Tuscola
Van Buren
Washtenaw
Wayne
Wexford
*Seven counties in northwest Ohio: Defiance, Fulton, Henry, Lucas, Ottawa, Williams and Wood.
Small group EPO sales and network coverage area:
With our fully insured EPO plans, your business must be located within one of these Michigan counties below. Employees with a HAP EPO small group plan can seek care through our statewide PPO network in Michigan and Northwest Ohio.*
*Seven counties in northwest Ohio: Defiance, Fulton, Henry, Lucas, Ottawa, Williams and Wood.
Get custom pricing
If you want to learn more about custom health plans and pricing options, fill out this online form and we’ll contact you to get started. Or you can call a HAP account executive at (800) 427-7587 Monday through Friday from 9 a.m. to 4:30 p.m.
