HAP’s networks and service 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}

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.

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

_{*Limits are subject to change due to IRS rules.}

For employer groups with 50 or less full-time employees. 

With our fully insured HMO plans, your business must be located within one of these Michigan counties.

Service area:

Network:

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

Small Group HMO Service Area and Network: 

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.

_{*Coverage in Lenawee County will be effective Jan. 1, 2019, pending state approval.}

With our fully insured PPO and EPO plans, your business must be located within one of these Michigan counties.

Service area:

Network:

• Employees with a HAP PPO small group plan can seek care through our statewide PPO network in Michigan and Northwest Ohio** or use the Cigna® nationwide network when outside of that network.
• Employees with a HAP EPO small group plan can seek care through our statewide PPO network in Michigan and Northwest Ohio or use the Cigna® nationwide network if they permanently reside outside of Michigan.

Small Group PPO and EPO Service Area and Network:

Search our PPO network.

Search our EPO network.

_{*Coverage in Lenawee County will be effective Jan. 1, 2019, pending state approval.}

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

Choice network doctors, specialists and facilities work together to coordinate care – leading to lower premiums for your employees.

Henry Ford Choice network - for residents and small businesses in Macomb, Oakland* and Wayne counties. 

The Henry Ford Choice network includes doctors and other health care providers within the Henry Ford Health System.

*Henry Ford Choice excludes these ZIP codes in Oakland County: 48346, 48348, 48350, 48353, 48356, 48357, 48359, 48360, 48362, 48367, 48370, 48371, 48428, 48430, 48439, 48442, 48455 and 48462.

Genesys Choice network – for residents and small businesses in Genesee County.

The Genesys Choice network includes doctors and other health care providers within the Genesys Physician Hospital Organization. Facilities in this network include:

• Genesys Regional Medical Center
• Affiliated urgent care centers

Learn more.