Small business health plans

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

 _{*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.

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

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

Our narrow network plans give your employees access to nationally recognized doctors and hospitals from one health system or integrated network. This could save you money on your monthly premiums compared to our full HMO network plans. This is because doctors can work closely with others in the same network – easily viewing and sharing data, which cuts down on waste.

We have three choice plans:

• Henry Ford Choice - employees have access to the Henry Ford Choice network which includes doctors and facilities that are part of Henry Ford Health System. 

• Genesys Choice - employees have access to the Genesys Choice network which includes doctors and facilities that are part of the Genesys Physician Hospital Organization as well as health care facilities affiliated with Genesys Regional Medical Center. 

• (New for 2020) Primary Choice - employees will receive coordinated care that centers around their primary care physician (PCP) relationship. Members have access to the Primary Choice network, which includes an integrated network of leading primary care physicians in Metro Detroit and HAP's full network of specialists and health care facilities. This plan was designed in collaboration with the doctors at Oakland Southfield Physicians and United Physicians, Inc. A referral from a PCP is required to see a specialist with this plan with the exception of obstetrics and gynecology specialists. 

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

Small group HMO service area

Employees with a HAP HMO small group plan can seek care through our HMO network in Michigan. Learn more about HAP's network. 

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

Small group PPO and EPO service area:

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.

Learn more about HAP's networks. 

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

Henry Ford Choice plan

With our Henry Ford Choice plan, residents and small businesses must be located in in Macomb, Oakland and Wayne counties. The Henry Ford Choice network includes doctors and other health care providers within the Henry Ford.

Learn more about the Henry Ford Choice network.

Genesys Choice plan

With our Genesys Choice plan, residents and small businesses must be located in 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 and affiliated urgent care centers.

Learn more about the Genesys Choice network. 

Primary Choice plan

With our HAP Primary Choice plan, residents and small business must be located in Macomb, Oakland and Wayne counties. This plan is designed to promote the primary care physician relationship and includes doctors at Oakland Southfield Physicians and United Physicians, Inc.

Learn more about the Primary Choice network.