Health plans for employers
Looking for a health plan that meets your unique needs? HAP is here.
Health Alliance Plan (HAP) has been a trusted health care partner to Michigan businesses for over 60 years, combining affordable health plan options with award-winning customer service. Being a Michigan-based company means we live in the same communities as you, providing a unique insight into the needs of local businesses and their employees. Why should you partner with HAP? We are:
- The highest-performing provider network, on average, in Michigan with the high patient satisfaction and 98% of claims are captured in-network
- An integrated relationship with the Henry Ford Health for high quality care, with ancillary providers from HAP network and all HAP contracted pharmacies
For more information, reach out your insurance agent or contact HAP directly at (800) 427-7587 Monday through Friday from 8:30 a.m. to 4:30 p.m., or via email yriley@hap.org.
Already partnering with HAP and need help? You can call the HAP Direct Service line at (800) 950-7455 or email us at hap_direct@hap.org.
Learn more about what HAP can do for your organization.
Health plans for employers of all sizes
We understand the unique challenges faced by businesses of all sizes. So we can help you gain that competitive edge, no matter your budget.
- Small business: 50 or fewer eligible employees
- Large business: 51 or more eligible employees
We’ll work with you to find the plan that keeps your employees healthy and your business growing to meet your vision.
Partnering with HAP
You’re more than an account number – you’re our partner. We offer personalized service, including:
Dedicated account representatives: When you have a question, you don’t have to call a 1-800 number and talk to a random person. You’ll have the name and number of a dedicated health plan professional who knows your business and can address its unique needs.
Discover a variety of health insurance options
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
|
|
HMO |
PPO |
EPO |
|---|---|---|---|
|
Members must choose a PCP |
Yes |
No |
No |
|
Referrals for specialists required |
No* |
No* |
No* |
|
Out-of-network coverage |
No |
Yes |
No |
|
Out-of-network emergency care |
All HAP members have worldwide emergency and urgent care coverage as well as telehealth coverage |
||
*Specialists may require a referral, but HAP does not. In some cases, the specialist may require a referral from a member’s PCP. Many specialists are booked out months in advance and may only accept patients whose PCP believes they need specialty care.
Consumer-driven health plans
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.|
|
HSA |
HRA |
|---|---|---|
|
Who can open an account? |
Employee. But, they must be enrolled in a qualified, high-deductible health plan. |
Employer |
|
What’s covered? |
Qualified medical expenses defined by the IRS |
Defined by employer |
|
Who owns the account? |
Employee |
Employer |
|
Who contributes? |
Employee, employer or any third party. For example, other family members and friends can contribute to the HSA. |
Employer |
|
Will the account follow the employee if they change employers? |
Yes. It’s fully portable. |
It can be portable, if the employer chooses. |
|
Can you roll over unused balances? |
Yes, they automatically roll over annually. |
Defined by employer. |
|
Are there tax advantages? |
The following are tax-free: Employer and employee contributions Any interest earned or investments gained Withdrawals used for qualified medical expenses |
HRA dollars are funded by the employer and there are no tax advantages to the employee. |
|
What’s the minimum deductible for 2024?* |
$1,600 single $3,200 family |
No minimum deductible |
|
What’s the out-of-pocket maximum for 2024?* |
$8,050 single $16,100 family |
Not applicable |
|
What’s the maximum contribution for 2024?* |
$4,150 single $8,300 family |
Defined by employer |
|
Can the account be used for retirement income? |
Yes. After age 65, employees may withdraw funds for any reason, without penalty. If funds aren’t used for qualified medical expenses, withdrawals will be taxed as income. |
No |
*Limits are subject to change due to IRS rules.
All qualified medical expenses as defined in Section 213(d) of the Internal Revenue Code.
Employee perks and benefits
Your employees will benefit from a personalized experience, with benefits, programs and services that include:
- A vast network of leading doctors and hospitals
- Engaging employee well-being programs
- Money-saving discounts
- Worldwide coverage
Employer resources
We make it easy to manage your health insurance and guide your employees along the way. Explore our dedicated employer resources.
- Employer services portal, with administrative tools such as eBilling
- Information for labor union members
- Important information about the Affordable Care Act