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

HAP individual and family plans

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

HAP 2021 plans - costs at a glance

HAP Individual 
Silver Plans
HMO 3200
HMO HFC* 3200
HMO GC** 3200
PPO 3200
 HMO VCP 3550
Deductible (individual/family) $3,200/$6,400
$3,500/$7,000
Coinsurance 30% 30%
Out-of-pocket limit $8,550/$17,100 $8,500/$17,100 
Telehealth/ PCP/ specialty visit $0/$30/$45 Telehealth: Virtual visit covered (through HFHS)
PCP: Virtual visit covered, Office visit
$70 copay
Spec: Virtual visit covered, Office visit
$85 copay
Emergency room/ urgent care ER: 30% coinsurance
UC: $65
ER: 30% coinsurance
UC:
 Virtual visit covered, Office visit $65 copay
Prescription copay
(generic drug purchased
at a preferred pharmacy)
$5 $5
HAP Individual
Bronze plans
HMO 7000
HMO HFC* 7000
HMO GC** 7000
PPO 7000
HMO 6900 (HSA)
HMO HFC* 6900 (HSA)
HMO GC** 6900 (HSA)
PPO 6900 (HSA)

HMO 8550
HMO HFC* 8550
HMO GC** 8550
PPO 8550

HMO VCP 7500 
Deductible (individual/ family) $7,000/$14,000
 $6,900/$13,800  $8,550/$17,100 $7,500/$15,000
Coinsurance 40%  0%  0% 40%
Out-of-pocket limit $8,550/$17,100  $6,900/$13,800  $8,550/$17,100 $8,550/$17,100
Telehealth/ PCP/ specialty visit $0/$55/$85  Covered after deductible  $0/$50/ covered after deductible Telehealth: Virtual visit covered (through HFHS)
PCP: Virtual visit covered, Office visit
$80 copay
Spec: Virtual visit covered, Office visit
$100 copay
 Emergency room/ urgent care 40% coinsurance after deductible  Covered after deductible  Covered after deductible ER: 40% coinsurance
UC:
 Virtual visit covered, Office visit 40% coinsurance
Prescription copay
(generic drug purchased
at a preferred pharmacy)
$10  Covered after deductible  $10  $10
HAP Catastrophic plans

*Plans are available only to individuals
under the age of 30, unless they qualify
for a hardship exemption.
HMO Catastrophic 8550
HMO Catastrophic HFC 8550
HMO Catastrophic GC 8550
PPO Catastrophic 8550
Deductible (individual/ family) $8,550/$17,100
Coinsurance 0%
Out-of-pocket limit $8,550/$17,100
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 

*HFC = Henry Ford Choice
*GC = Genesys Choice

Download the full 2021 HAP Qualified Health Plan Summary

Download the full 2020 HAP Qualified Health Plan summary. 

HAP Individual plan overview

HMO health insurance plans

HMO plans tend to be more affordable than PPO plans. You need to select a primary care physician from HAP’s network of providers. Your PCP will manage your health care services. When you need to see a specialist, your PCP will coordinate your care.

HAP HMO Choice network plans 

HAP also offers choice networks which give you access to quality care from a select group of doctors. This type of plan allows you to enjoy lower monthly premiums because it’s easier for your PCP to coordinate your care.

Henry Ford Choice plan highlights

  • Access to more than 1,400 doctors in Henry Ford network
  • Save as much as 12 percent on monthly premiums with Henry Ford Choice network plan
  • Available for residents of Macomb, Oakland and Wayne county
  • You will need to select a PCP from the Henry Ford network and see a Henry Ford doctor if you need specialty care

Genesys Choice plan highlights

  • Access to leading mid-Michigan doctors and specialists within Genesys Regional Medical Center
  • More affordable premiums
  • Available for residents of Genesee county
  • You will need to select a PCP from the Genesys Choice network and see a Genesys network doctor if you need specialty care

PPO health insurance plans 

PPO plans offer more choice and flexibility. You don’t need to have a PCP, and you can seek care from providers within or outside of the network without referrals. Out-of-network care will cost more, however.

Health plans with a health savings account

Our HSA plans are coupled with a health savings account to help you pay for out-of-pocket costs. These plans have higher deductibles but lower premiums. You’ll pay less each month on your monthly premium. You will pay more out-of-pocket each time you get care.

The health savings account allows you to set aside pretax money to pay for your health care costs. You can use this money through a plan-provided debit care and any unused money rolls over into the next benefit period as long as you are enrolled in an HAS plan.

Plan highlights: 

  • Great option if you are generally healthy, and only plan to see a doctor one or twice a year
  • Preventive services are covered at no cost to you
  • Pay for health care expenses with pre-tax dollars, saving you money

 Catastrophic health insurance plans

 If you are under the age of 30, we offer something called a catastrophic plan. This type of plan has a low premium, but a high deductible. It’s designed for people under 30 who are generally healthy and only seek care a handful of times a year. If that sounds like you, a catastrophic plan may be a great option.

HAP individual and family plan service area

 

HMO network – you must reside and seek care in the 20 county service area

PPO network – you must reside and seek care in the 23 county service area

Henry Ford Choice network – you must reside and seek care in Macomb, Oakland and Wayne counties

Genesys Choice network – you must reside and seek care in Genesee county

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HAP Personal Alliance (HMO) is offered through Health Alliance Plan (HAP), a state-certified health maintenance organization. HAP Personal Alliance PPO is offered through Alliance Health and Life Insurance Company (Alliance), a wholly owned subsidiary of Health Alliance Plan (HAP). 

Contact us

  • Ready to join?

    (855) 948-4427

  • HMO Plans

    (800) 759-3436

  • PPO Plans

    (800) 944-9399