Affordable individual and family coverage
Plans that meet you or your family's needs.
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 Individual/Family Gold plans
| HAP Individual Gold plans |
HMO 3000 (HSA) HMO HFC 3000 (HSA) HMO GC 3000 (HSA) PPO 3000 (HSA) |
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|---|---|---|---|
| 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 3200 HMO HFC 3200 HMO GC 3200 PPO 3200 |
HMO VCP 3500 |
HMO 5500 |
||
|---|---|---|---|---|---|
| Deductible (individual/family) | $3,200/$6,400 |
$3,500/$7,000 | $5,500/$11,000 | ||
| Coinsurance | 30% | 30% | 40% | ||
| Out-of-pocket limit | $8,550/$17,100 | $8,550/$17,100 | $8,550/$17,000 | ||
| Telehealth/ PCP/ specialty visit | $0/$30/$45 | Telehealth: Virtual visit covered (through HFHS) PCP: Virtual visit covered, Office visit $60 copay Spec: Virtual visit covered, Office visit $75 copay |
$0/$40/$65 | ||
| Emergency room/ urgent care | ER: 30% coinsurance after deductible UC: $65 |
ER: 30% coinsurance after deductible UC: Virtual visit covered, Office visit $65 copay |
ER: 40% coinsurance after deductible UC: $75 |
||
| Prescription copay (generic drug purchased at a preferred pharmacy) |
$5 | $5 | $5 | ||
HAP Individual/Family Bronze plans
| 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 | HMO VCP 8550 | ||
|---|---|---|---|---|---|---|---|
| Deductible (individual/ family) | $7,000/$14,000 |
$6,900/$13,800 | $8,550/$17,100 | $7,500/$15,000 | $8,550/$17,100 | ||
| Coinsurance | 40% | 0% | 0% | 40% | 0% | ||
| Out-of-pocket limit | $8,550/$17,100 | $6,900/$13,800 | $8,550/$17,100 | $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 $70 copay Spec: Virtual visit covered, Office visit $90 copay |
Telehealth: Virtual visit covered (through HFHS) PCP: $70 Spec: Office visit covered after deductible |
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| Emergency room/ urgent care | 40% coinsurance after deductible | Covered after deductible | Covered after deductible | ER: 40% coinsurance after deductible UC: Virtual visit covered, Office visit 40% coinsurance |
ER: covered after deductible UC: Virtual visit covered, Office visit covered after deductible |
||
| Prescription copay (generic drug purchased at a preferred pharmacy) |
$10 | Covered after deductible | $10 | $10 | $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 8700 HMO Catastrophic HFC 8700 HMO Catastrophic GC 8700 PPO Catastrophic 8700 |
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|---|---|---|---|
| Deductible (individual/ family) | $8,700/$17,400 |
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| Coinsurance | 0% | ||
| Out-of-pocket limit | $8,700/$17,400 | ||
| 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 | ||
Virtual Care plans
Virtual Care plans
HAP offers flexible, Virtual Care Plans with our full HMO network to make care safer, faster, and more helpful in these changing times for our individual and family plan member needs.
HAP has answered the need for you and your covered family members to get both urgent and non-urgent care with PCPs and more than 45 types of specialists.
Did You Know?
- HAP’s full HMO network is included in Virtual Care Plans!
- Virtual Care in the Henry Ford Health System (HFHS) network is at $0 copay.
- Virtual Care Plans connect you with health care experts from home or work, in many cases, without taking time off.
- Video chat can be done with a Henry Ford doctor 24/7 by smartphone, computer, or tablet.
What is Virtual Care?
Virtual care (also known as telehealth, or telemedicine) uses technology for treatment with a health care expert using an electronic or mobile device.
How does Virtual Care work?
Individual Virtual Plan members can connect with HAP’s virtual care providers using a smartphone, computer, or tablet. HAP offers virtual visits for services such as: dermatology, mental health, endocrinology, internal medicine, and women’s health. Members also have access to HAP’s full HMO network for all other covered services.
Individual/Family Plans
|
Virtual Care Plan Types* |
Annual Plan Deductibles | HFHS Virtual Visit Copay** | All Other Virtual or In-Person Office Visit Copays |
|---|---|---|---|
|
VCP 3500 |
Individual: $3,500 Family: $7,000 |
PCP: $0 Specialist: $0 |
PCP: $60 Specialist: $75 |
| VCP 7500 | Individual: $7,500 Family: $15,000 |
PCP: $0 Specialist: $0 |
PCP: $70 Specialist: $90 |
| VCP 8550 | Individual: $8,550 Family: $17,100 |
PCP: $0 Specialist: $0 |
PCP: $70 Specialist: covered after deductible |
Types of Henry Ford Virtual Care visits†
|
Types of Virtual Care** |
Description | Copay |
|---|---|---|
| Video Visit On Demand | A video chat with a Henry Ford doctor 24/7 through your mobile device or computer. | $0 |
| Scheduled Video Visit | A video appointment scheduled with your Henry Ford doctor for routine or follow-up care. | $0 |
| Clinic to Clinic Scheduled Video Visit | A scheduled appointment at a local clinic where a Henry Ford team member helps to connect you by secure video to a specialist at some other location. | $0 |
| E-Visit | Send non-urgent symptoms through a secure patient portal online form to your Henry Ford primary care doctor. | $0 |
|
Services provided through Henry Ford My Chart |
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- Learn more about HFHS virtual care Learn more about HFHS virtual care
- HAP 2022 Virtual Care Plan Individual/Family flyer HAP 2022 Virtual Care Plan Small Group flyer
How can I learn more or ask questions about Virtual Care Plans?
- Call (855) 948-4427 (TTY: 711), Monday through Friday, 8 a.m. to 5 p.m. EST.
*Not all affiliated doctors offer virtual care. (Not all care can be performed on a virtual basis.)
**Members have a $0 copay with an HFHS in-network doctor for virtual care
†Not available in Kent, Muskegon, Oceana and Ottawa counties.
Individual/Family HMO and PPO plan service areas
HMO network – you must reside and seek care in the 24 county service area
PPO network – you must reside and seek care in the 27 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