Enhanced benefit summary
HAP members who qualify for the Enhanced option have no coinsurance. You can review the benefit summary for the Enhanced option and see how the savings can really add up!
Download the benefit summary (PDF)
Standard benefit summary
HAP members who do not qualify for the Enhanced option are placed in the Standard option, which includes deductibles and coinsurance. You may review the benefit summary for the Standard option using the link below.
Download benefit summary (PDF)
Cost sharing is the amount you pay for covered services, medications and medical supplies. These expenses are also known as out-of-pocket costs. They do not include your monthly premium (i.e., the amount you pay each month for health insurance). Your cost-sharing responsibilities reset at the beginning of the next benefit period (which is January 1).
Cost-sharing example (PDF)