HAP has moved from its Southfield location. Effective November 26, 2018, our new address is 1414 E. Maple in Troy

All FAQs

Are all employers required to cover essential health benefits for employees

No. Large groups with fully insured, self-funded and grandfathered plans are not required to cover EHBs.

What are the cost sharing options for HAP plans?

We offer HMO, PPO and EPO plans with a variety of cost-sharing options. Plans can include copays, coinsurance and/or a deductible.

Who do I call for claims inquiries?

Employer groups can contact the HAP claims department at (866) 766-4661. If you're a HAP member, call Customer Service at the number on your ID card.

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 Oakland St....

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...

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...

What are IRS Forms 1094-C and 1095-C?

Large group employers (those with 50 or more full-time equivalent employees) must file information with the IRS and provide statements (using IRS...

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...

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...

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....

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