Affordable individual and family coverage
Plans that meet you or your family's needs.
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 Individual Silver Plans |
HMO 3200 HMO HFC* 3200 HMO GC** 3200 PPO 3200 |
HMO VCP 3500*** | ||
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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 |
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Emergency room/ urgent care | ER: 30% coinsurance UC: $65 |
ER: 30% coinsurance UC: Virtual visit covered, Office visit $65 copay |
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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*** | ||
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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 |
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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 |
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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 |
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Deductible (individual/ family) | $8,550/$17,100 |
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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 |
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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
***HFHS Virtual Care with a $0 Cost Share
Learn more about Henry Ford Health System Virtual Care.
HAP 2021 Virtual Care Plans Individual Group flyer
Important information for you to know about Virtual Care:
*Exact copay may vary. Review plan details for specific cost share.
Download the full 2021 HAP Qualified Health Plan Summary
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
Genesys Choice plan highlights
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.
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:
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.
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
Join a HAP Medicare Expert for an introduction to the basics of Medicare. This webinar will go over the parts of Medicare, explain the different
Join a HAP Medicare Expert for an introduction to the basics of Medicare. This webinar will go over the parts of Medicare, explain the different
Join a HAP Medicare Expert for an introduction to the basics of Medicare. This webinar will go over the parts of Medicare, explain the different
Join a HAP Medicare Expert for an introduction to the basics of Medicare. This webinar will go over the parts of Medicare, explain the different