What you need to know about  Coronavirus and your HAP coverage.

What are the funding arrangements for HAP plans?

Our HMO plans are community-rated and our PPO/EPO fully insured plans are experience-rated. The self-funded plan is the fixed cost plus the claims...

What is considered a "small" business?

In 2017, employers with 50 or fewer eligible employees are considered a small business. Eligible employees include those who receive a W-2 form and...

What taxes and fees apply to businesses with 51 or more eligible employees?

In 2017, the following federal and state taxes and fees apply to businesses with 51 or more eligible employees: Patient Centered Outcomes...

What is a "grandfathered plan" and how do I know if I have one?

Grandfathered plans are health plans that were already in place on March 23, 2010, when the ACA was enacted, and that have stayed largely the same...

Who pays health insurance taxes and fees for self-funded employers?

With a self-funded plan, employers pay for health claims themselves; HAP manages the plan and administers claims. Employers in a self-funded plan...

What is the HAP market area?

The HMO market area includes the counties of the HAP nine county market area: Genesee Lapeer Livingston Macomb Monroe ...

How have the rating rules changed for small group plans?

All qualified health plans for small businesses issued or renewed in 2014, must comply with the Affordable Care Act’s new, adjusted community...

Who can I contact for customer service?

Agents and employer groups with questions about member specific services should call (800) 950-7455 or email hap_direct@hap.org 8 a.m. to 5 p.m....

I’m having technical difficulties. Who can I call for help?

Please call Customer Service at the number on your ID card for assistance.

Is our group plan Grandfathered?

Group health plans and health insurance plans that were in place on March 23, 2010, when the Affordable Care Act was enacted, are called...

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