HAP individual and family plans

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 is here creating health plans that work harder for individuals and families

HAP Individual/Family Gold plans


HAP Individual Gold plans	HMO 3000 (HSA) HMO HFC 3000(HSA) HMO GC 3000(HSA) PPO 3000 (HSA)
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/Family Silver plans


HAP Individual Silver Plans	HMO 3500 HMO HFC 3500 HMO GC 3500 PPO 3500	HMO 5500 HMO Henry Ford Choice 5500 HMO Genesys Choice 5500 PPO 5500
Deductible (individual/family)	$3,500/$7,000	$5,500/$11,000
Coinsurance	30%	40%
Out-of-pocket limit	$9,100/$18,200	$9,100/$18,200
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	$5

HAP Individual/Family Bronze plans


HAP Individual Bronze plans	HMO 7000 HMO HFC 7000 HMO GC 7000 PPO 7000	HMO 7050 (HSA) HMO HFC 7050 (HSA) HMO GC 7050 (HSA) PPO 7050 (HSA)	HMO 9100 HMO HFC 9100 HMO GC 9100 PPO 9100
Deductible (individual/ family)	$7,000/$14,000	$7,050/$14,100	$9,100/$18,200
Coinsurance	40%	0%	0%
Out-of-pocket limit	$9,100/$18,200	$7,050/$14,100	$9,100/$18,200
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 (individual only under 30)


HAP Catastrophic plans *Plans are available only to individuals under the age of 30, unless they qualify for a hardship exemption.	HMO Catastrophic 9100 HMO Catastrophic HFC 9100 HMO Catastrophic GC 9100 PPO Catastrophic 9100
Deductible (individual/ family)	$9,100/$18,200
Coinsurance	0%
Out-of-pocket limit	$9,100/$18,200
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

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