Plan types, service areas and networks

Quality health care close to home

HAP offers a variety of HMO and PPO plans to fit your budget. Both types of plans focus on preventive care and reducing the cost of health care for our members.

About HMOs and PPOs

HMO

HMOs are typically more affordable than PPOs. In fact, if you choose one of our Choice network plans, you can save even more on your premium. We also offer high deductible health savings account, or HSA, plans, which have low-cost premiums.

HMO members coordinate their care through their primary care physician, or PCP.

These aren’t the HMOs you’re used to. Some of the advantages of a HAP HMO are:

• Ability to choose and change your PCP
• Access to leading providers and hospitals within the HMO’s network
• Option to pick different PCPs for each family member

There are a lot of myths about HMOs, which we’ve debunked here. The biggest myth is that you need a referral every time you want to see a specialist. That may be the case with other health plans, but we don’t require referrals at HAP.

HSA plans

These plans have high deductibles but lower premiums. That means you’ll pay less each month, but you’ll pay more for your deductible. They allow you to set aside pretax money to pay for your health care. You can use this money through a plan-provided debit card and any unused money rolls over into the next benefit period as long as you are enrolled in an HSA plan.

If you’re generally healthy, and only plan to see your doctor once or twice a year, an HSA plan may be right for you. Preventive services are covered at no cost to you. You just need to set aside the money for your high deductible up front.

Choice plans

Henry Ford Choice network

This network offers metro Detroit residents in Macomb, Oakland¹ and Wayne counties access to world-class health care from Henry Ford at an affordable price.

Our Choice plans offer high-quality care while saving you money on monthly premiums.²

Your primary care doctor will be part of the Henry Ford network and will coordinate care with other doctors within the network as needed. If you need specialty care, you can visit a specialist within the Henry Ford network.

Because your health care providers are in the same network, we’re able to lower costs. We pass these savings to our members. You could save as much as 20 percent on monthly premiums with Henry Ford Choice when compared to our full HMO network.

Genesys Choice network

This network is also designed to save you money and is available to Michigan residents in Genesee County. It gives you access to leading mid-Michigan doctors and specialists within Genesys Physician Hospital Organization facilities. These facilities are part of the Genesys Regional Medical Center.

PPO

PPOs offer more flexibility than HMOs, but you’ll pay a little more for care. You don’t need to have a PCP, and you can seek care within, or outside of, the network.

Some advantages of a PPO are:

• Wide range of benefit options
• Incentives like reduced out-of-pocket costs when you stay in-network
• Ability to seek care both in- and out- of-network

Catastrophic

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. Learn more about premiums and deductibles and how they might impact you.

Our service area

Our HMO plans are available to Michigan residents in 18 counties:

Our PPO plans are available to residents of 21 Michigan counties:

¹Excludes the following Oakland County ZIP codes: 48346, 48348, 48350, 48353, 48356, 48357, 48359, 48360, 48362, 48367, 48370, 48371, 48428, 48430, 48439, 48442, 48455 and 48462.

²The variation in savings is based on the structure of the plan.