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 two 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. 

As the world changes around us, healthcare is changing to stay ahead of the times. HAP is, too. We’re offering new Virtual Care Plans to make care safer, faster and more convenient for small businesses.

Benefits for employers

Three Qualified Health Plans at three different levels, saving you money.

Benefits for employees

Your employees can access quality care where, when and how they’d like to be reached with our new Virtual Care Plans. They’ll also benefit from our full network of providers, member discounts, savings and more.

See a specialist on your phone, tablet or laptop

HFHS Virtual Care with a $0 Cost Share

• Video visit on demand: a video chat with a Henry Ford doctor 24/7 through your mobile device or computer.
• Scheduled video visit: a video appointment scheduled with your Henry Ford doctor for routine or follow-up care.
• Clinic to clinic scheduled video visit: a scheduled appointment at a local clinic where a Henry Ford team member helps to connect you by secure video to a specialist at another location.
• E-Visit: send your non-urgent symptoms through a secure patient portal online form to your Henry Ford doctor.

Learn more about Henry Ford Health System Virtual Care.

HAP 2021 Virtual Care Plans Small Group flyer

Important information for you to know about Virtual Care:

• Henry Ford Health System affiliated providers: $0 copay for virtual care
• Not all Henry Ford affiliated providers offer virtual care services. And not all services can be performed virtually.
• While traveling outside the state of Michigan, members can take advantage of HAP's contracted rate with Amwell (American Well to provide urgent telehealth services.

_{*Exact copay may vary. Review plan details for specific cost share.}

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.