Compare Health Plans with Health Plan Basics

HAP offers a variety of HMO and PPO plans to fit your budget. All of our plan types focus on preventive care and reducing your health care costs.

HAP creates health plans that work harder for individuals and families

HAP Individual Gold plans	HMO HSA D3 HMO HSA D3 HFC HMO HSA D3 GC PPO HSA D3
Deductible (individual/ family)	$3,000/$6,000
Coinsurance	0%
Out-of-pocket limit	$3,000/$6,000
Telehealth/ PCP/ specialty visit	Telehealth: covered after deductible PCP: covered after deductible Specialist: covered after deductible
Emergency room/ urgent care	Covered after deductible
Prescription copay (generic drug purchased at a preferred pharmacy)	Covered after deductible

HAP Individual Silver Plans	HMO D35 HMO D35 HFC HMO D35 GC PPO D35	HMO F55 HMO F55 HFC HMO F55 GC PPO F55
Deductible (individual/ family)	$3,500/$7,000	$5,500/$11,000
Coinsurance	30%	40%`
Out-of-pocket limit	$9,200/$18,400	$9,200/$18,400
Telehealth/ PCP/ specialty visit	$0/$40/$55	$0/$40/$65
Emergency room/ urgent care	ER:30% coinsurance after deductible UC:$65	ER:40% coinsurance after deductible UC:$75
Prescription copay (generic drug purchased at a preferred pharmacy)	$10	$10

HAP Individual Bronze plans	HMO H7 HMO H7 HFC HMO H7 GC PPO H7	HMO HSA H705 EMB HMO HSA H705 EMB HFC HMO HSA H705 EMB GC PPO HSA H705 EMB	HMO K92 HMO K92 HFC HMO K92 GC PPO K92
Deductible (individual/ family)	$7,000/$14,000	$7,050/$14,100	$9,200/$18,400
Coinsurance	40%	0%	0%
Out-of-pocket limit	$9,200/$18,400	$7,050/$14,100	$9,200/$18,400
Telehealth/ PCP/ specialty visit	$0/$55/$85	Covered after deductible	$0/$50/ covered after deductible
Emergency room/ urgent care	40% coinsurance after deductible	Covered after deductible	Covered after deductible
Prescription copay (generic drug purchased at a preferred pharmacy)	$10	Covered after deductible	$10

HAP Catastrophic plans *Plans are available only to individuals under the age of 30, unless they qualify for a hardship exemption.	HMO Catastrophic K92 HMO Catastrophic K92 HFC HMO Catastrophic K92 GC PPO Catastrophic K92
Deductible (individual/ family)	$9,200/$18,400
Coinsurance	0%
Out-of-pocket limit	$9,200/$18,400
Telehealth/ PCP/ specialty visit	Telehealth: covered after deductible PCP: Fully covered for first three visits, all other visits covered after deductible Specialist: covered after deductible
Emergency room/ urgent care	Covered after deductible
Prescription copay (generic drug purchased at a preferred pharmacy)	Covered after deductible

HMO Network Coverage Area:

HMO network – you must reside and seek care in the counties above

PPO Network Coverage Area:

PPO network – Members with a HAP PPO Individual plan can seek care through our statewide PPO network in Michigan and northwest Ohio**.

**Seven counties in northwest Ohio: Defiance, Fulton, Henry, Lucas, Ottawa, Williams and Wood.

Explore affordable health plans for any age, life stage, or family size.

Search for doctors, specialists, or OB-GYNs in your HAP network.

Learn more about HAP’s history and our commitment to improving the health and well-being of our local community.