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.

*You can enroll in a HAP plan once the Open Enrollment Period begins on November 1.

HAP 2020 Personal Alliance plans - costs at a glance

HAP Personal Alliance 
Silver Plans
HMO 3200
HMO Henry Ford Choice 3200
HMO Genesys Choice 3200
PPO 3200
Deductible (individual/ family) $3,200/$6,400
Coinsurance 30%
Out-of-pocket limit $8,150/$16,300
Telehealth/ PCP/ specialty visit $0/$30/$45
 Emergency room/ urgent care ER: 30% coinsurance
UC: $65
Prescription copay
(generic drug purchased
at a preferred pharmacy)
 $5
HAP Personal Alliance 
Bronze plans
HMO 5500
HMO HFC* 5500
HMO GC* 5500
PPO 5500
HMO 6750 (HSA)
HMO HFC* 6750 (HSA)
HMO GC* 6750 (HSA)
PPO 6750 (HSA)

HMO 7900
HMO HFC* 7900
HMO GC* 7900
PPO 7900

Deductible (individual/ family) $5,500/$11,000
 $6,750/$13,500  $7,900/$15,800
Coinsurance 40%  0%  0%
Out-of-pocket limit $8,150/$16,300  $6,750/$13,500  $7,900/$15,800
Telehealth/ PCP/ specialty visit $0/$40/$65  Covered after deductible  $0/$30/ 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  $5

*HFC = Henry Ford Choice
*GFC= Genesys Choice

HAP Personal Alliance 
Catastrophic plans

*Plans are available only to individuals
under the age of 30, unless they qualify
for a hardship exemption.
HMO Catastrophic 8150
HMO Catastrophic Henry Ford Choice 8150
HMO Catastrophic Genesys Choice 8150
PPO Catastrophic 8150
Deductible (individual/ family) $8,150/$16,300
Coinsurance 0%
Out-of-pocket limit $8,150/$16,300
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 

Download the full 2020 Personal Alliance Qualified Health Plan summary. 

HAP Personal Alliance 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 20 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

IndividualHMOPPOcoverage

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

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

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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