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Plans and networks

  • Our HMO, PPO and EPO plans

    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
    HAP HMO, PPO and EPO plans
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    Primary care physician required? Yes
    Referrals required? Yes
    On select services
    Emergency and urgent care coverage Yes
    Covered worldwide
    Covered worldwide
    Covered worldwide
    Out of network coverage Yes
    HMO Choice Plans available? Yes*
    Consumer driven health plans available? Yes Yes Yes
    Purchase from HAP | Michigan's Insurance Marketplace HAP | Michigan's Insurance Marketplace HAP

    *There are HMO and HMO-HSA Choice plans available to businesses in Genesee, Wayne, Oakland, and Macomb counties. Excluding the following zip codes in Oakland County: 48346, 48348, 48350, 48353, 48356, 48357, 48359, 48360, 48362, 48367, 48370, 48371, 48428, 48430, 48439, 48442, 48455, 48462.

  • Consumer driven health plans

    Consumer Driven Health Plans give you economic buying and decision-making power. These plans encourage members to use their health care benefits wisely, while giving them the freedom to decide where to allocate their dollars.

    We are sensitive to your business’s needs and the health care needs of your employees. We consider industry, location and business culture to deliver the best CDHP options, products and services.

    Consumer driven health plans
    (Health Savings Account)
    View plans
    (Health Reimbursement Account)
    (Flexible Spending Account)
    Overview Tax exempt account created to pay for the qualified medical expenses of the employee and their covered dependents An employer-funded account used to reimburse employees for qualified medical expenses An employer-established, tax advantaged account funded by the employee to pay for qualified medical expenses with pre-tax dollars
    Business size minimum 2 employees 1 employee 1 employee
    Who opens the account? Employee or employer Employer Employer
    Covered expenses All qualified medical expenses* Defined by employer All qualified medical expenses*
    Who can contribute Employee or employer or any third party Employer Employee
    Pretax contributions Yes Yes Yes
    Maximum contributions (2017)
    $3,350 single
    $6,750 family
    Defined by employer Defined by employer
    Maximum contributions (2018) $3,450 single
    $6,900 family
    Defined by employer Defined by employer
    Rollover of unused balance Yes Yes
    Defined by employer
    No, funds revert to the employer
    Tax advantages Yes
    • Tax-free contributions
    • Interest earned and investments are tax-free
    • Withdrawals used for qualified medical expenses are tax-free
    Employers can deposit pre-tax dollars
    Employee contributions made through pre-tax payroll deductions
    Portability Yes
    Fully portable
    Defined by employer
    Not portable
    Account can be used for retirement income Yes**

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

    **After age 65, employees may withdraw funds for any reason with no penalty. Although if not used for qualified medical expenses, withdrawals will be taxed as income.

  • Our HMO network
    19 county hmo map

    Our HMO service area includes 19 Michigan counties:

    • Arenac
    • Bay
    • Genesee
    • Hillsdale*
    • Huron
    • Iosco
    • Jackson
    • Lapeer
    • Livingston
    • Macomb
    • Monroe
    • Oakland
    • Saginaw
    • Sanilac
    • Shiawassee
    • St. Clair
    • Tuscola
    • Washtenaw
    • Wayne

    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.

    *For plans effective 1/1/18, pending state approval.

  • Our PPO/EPO network

    EPO Service Area Map 

    We provide in-network options across the state to PPO and EPO members. Additionally, PPO members have access to CIGNA or other affiliated national networks when traveling or living outside of the state.

    Search our EPO network.

    Search our PPO network.

  • HAP Choice networks

    We offer two Choice networks in four southeast Michigan counties:

    4 county map

    • Henry Ford Choice network: Macomb, Oakland and Wayne counties
    • Genesys Choice network: Genesee County

    Choice network doctors, specialists and facilities work together to coordinate care – leading to lower premiums for your employees. From same-day care choices and online services to convenient hours, we make it easy for employees to get the care they need.

    Learn more.

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  • HAP Fitness Challenge

    Get a discount to join us at a HAP fitness event.

  • Medicare 101 Seminar

    Get real answers to all your questions! We’ll teach you about how Medicare works and give you tips and ideas to make sure you’re ready to go on day

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Contact us

  • Customer service

    (800) 422-4641




    More options

  • Individual and family plans

    Ready to join?

    (855) 948-4427

    HMO Plans

    (800) 759-3436

    PPO Plans

    (800) 944-9399

  • Insurance through your employer

    Alliance Health and Life Insurance Company®

    (888) 999-4347

    Self-funded / ASO

    (866) 766-4709


    (800) 422-4641

    HAP Midwest Health Plan

    (888) 654-2200

  • Medicare

    Ready to join?

    (800) 868-3153 TTY: 711

    HAP Senior Plus®

    (800) 801-1770 TTY: 711

    HAP Senior Plus® (PPO)

    (888) 658-2536 TTY: 711

    Alliance Medicare Supplement:

    (800) 873-7526 TTY: 711