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 D32 Henry Ford Health Select HMO HSA D32 PPO HSA D32
Deductible (individual/ family)	$3,200/$6,400
Coinsurance	0%
Out-of-pocket limit	$3,200/$6,400
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 Henry Ford Health Select HMO D35 PPO D35	HMO F55 Henry Ford Health Select HMO F55 PPO F55
Deductible (individual/ family)	$3,500/$7,000	$5,500/$11,000
Coinsurance	30%	40%`
Out-of-pocket limit	$10,150/$20,300	$10,150/$20,300
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 Henry Ford Health Select HMO H7 PPO H7	HMO HSA H72 EMB Henry Ford Health Select HMO HSA H72 EMB PPO H72 EMB	HMO K92 Henry Ford Health Select HMO K92 PPO K92
Deductible (individual/ family)	$7,000/$14,000	$7,200/$14,400	$9,200/$18,400
Coinsurance	40%	0%	0%
Out-of-pocket limit	$10,150/$20,300	$7,200/$14,400	$10,150/$20,300
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 L106 Henry Ford Health Select HMO Catastrophic L106 PPO Catastrophic L106
Deductible (individual/ family)	$10,600/$21,200
Coinsurance	0%
Out-of-pocket limit	$10,600/$21,200
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.