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. 

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 or within the counties highlighted in orange in the map below:

Network coverage area:

• Members with a HAP HMO large group plan can seek care through our HMO network in Michigan.

Large group HMO network coverage area:

If you need emergency or urgent care while traveling outside of our service area, don't worry, you're covered anywhere in the world.

Search our HMO network.

With our fully insured PPO plans, your business must be located within one of these Michigan counties or within the counties highlighted in orange on the map below:

Network coverage area:

• Members with a HAP PPO large 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.
• Our PPO members can seek care through our statewide PPO network in Michigan

Large group PPO sales and network coverage area:

_{**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 these Michigan counties or within the counties highlighted in orange on the map below:

Network coverage area:

• Members with a HAP PPO large 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.

Large group EPO sales and network coverage area:

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

Pivotal is an employer-sponsored health plan. It’s an HMO plan that’s been thoughtfully designed for business owners. It leverages the strengths and innovation of HAP and Henry Ford Health.

High-quality health care, close to home

The Pivotal plan focuses on delivering world-class care, while at the same time reducing medical costs. 

Its expansive network includes: 

• Henry Ford Health
• Henry Ford Physician Network
• Henry Ford Allegiance Health
• Jackson Health Network

Plus, HAP’s full HMO network of ancillary providers, our full pharmacy network and all our contracted pediatric primary care providers and specialists.

• Learn more about Pivotal

• Vision Provider Locator