HAP Medicare Advantage HMO Plans

With an HMO (health maintenance organization) plan, you'll get coordinated care through your primary care physician, or PCP, as well as access to HAP's network of specialists and facilities in Michigan. HAP HMO Medicare plans start as low as $0* per month.

• Enroll in a HAP Medicare plan Enroll

HAP HMO Medicare Advantage Plans

This health insurance coverage comes with affordable copays and premiums, so you can easily manage your health care costs. 

Three reasons to choose a HAP HMO Medicare Advantage plan. 

1. $0 copays for primary care visits with select plans
2. Prescription drug coverage (Part D) on most plans includes $0 deductibles for all covered prescription drugs and $0 copays for Tier 1 drugs purchased at a preferred pharmacy and 90-day supply home delivery through a preferred pharmacy for Tier 1 and Tier 2 drugs
3. All individual HMO Medicare Advantage plans include a visitor/ travel benefit to extend coverage to Arizona, Florida, Texas and Michigan out-of-area for up to six months a year

HAP Senior Plus (HMO)

This plan is available for people with Medicare who reside within our 36 county service area.

Plan highlights include:

• $0 monthly premium
• $0 annual medical and prescription deductible 
• $0 copay PCP visits; $40 specialist visits 

• HAP Senior Plus HAP Senior Plus

We also have a medical only plan, which is a great option for those with VA benefits. 

HAP Primary Choice Medicare (HMO)

Our doctor-designed health insurance plans, Primary Choice Medicare HMO, are affordable options with expanded eligibility to residents in the following counties: Hillsdale, Jackson, Livingston, Macomb, Oakland, Washtenaw and Wayne.

Plan highlights include: 

• $0 monthly premium
• $0 annual medical and prescription deductible
• $0 copay for primary care physician visits, outpatient diagnostic labs and annual physicals; $40 specialist visits (this plan requires a referral for specialty care visits)
• 24/7 telehealth services, so you can see a doctor online, available as low as $0 copay
• Access to a network of the top primary care doctors in the area, along with HAP's full network of specialists and facilities

• HAP Primary Choice Medicare

HAP Senior Plus Henry Ford Tiered Access (HMO)

This plan is designed for individuals with Medicare that have a Henry Ford primary care physician and specialists and reside in Macomb, Oakland or Wayne county.

Plan highlights include:

• Access to more than 1,400 Henry Ford doctors and specialists 
• $0 annual medical and prescription deductible 
• Copays as low as $0 for PCP visits, annual physicals and routine eye exams

• Henry Ford Tiered Access

HAP Choice Medicare - West Michigan (HMO)

HAP Choice Medicare - West Michigan (HMO) plans are for residents in Kent, Muskegon, Oceana and Ottawa counties. HAP Choice Medicare (HMO) plans were designed in collaboration with Mercy Physician Network's primary care physicians and specialists to provide benefits and care through the Mercy Health system.

• Access to doctors and specialists within Mercy Health. PCP referral for out of network care
• As low as $0 monthly premium 
• $0 annual medical and prescription deductible 
• $0 copays for PCP visits

• HAP Choice Medicare

Vision, dental, hearing and over-the-counter benefits 

• Enhanced dental: provided by Delta Dental, our plans include includes $0 copays on preventive care: 2 cleanings, 2 exams and 1 set of bite-wing x-rays, plus $1,000 for comprehensive care including root canals, fillings and crown repair at 50%. If you want additional dental benefits, there's an option to add more coverage starting at $18.00.
• $0 vision: A routine vision exam and an annual eyewear allowance of $125 or more.
• $0 hearing: A routine hearing exam and a fitting/ evaluation exam for hearing aids through a NationsHearing provider. Hearing aid coverage available through the plan.
• Over-the-counter benefits: Up to $400 per year allowance for over-the-counter items and medications. Receive up to $100 allowance per quarter to help lower you costs on over-the-counter medications such as aspirin, and cough and cold remedies. 
• Our preferred pharmacy network gives you the lowest price on prescriptions.

Extras you don't pay for that help your health

• 24/7 telehealth services – HAP Medicare members can use telehealth services for PCP visits, behavioral health and dermatology. Learn more about HAP's telehealth services. 
• Visitor/Traveler benefits – enjoy in-network prices for copays when you visit any Medicare-participating provider when traveling depending on your plan type. HMO plans can travel to Arizona, Florida, Texas and Northern Michigan. PPO plans can travel to the 49 states outside of Michigan.
• Non-emergent transportation to a doctor’s office, pharmacy, or other medically necessary appointment. 24 one-way trips annually. (not covered for Plan 011 and Plan 015)
• Free prescription delivery – all HAP Medicare plans include free delivery of prescription drugs. 
• $0 fitness options – With Peerfit® Move, you'll be able to take advantage of a variety of fitness options such as gyms, studios, online classes as well as at-home FitKits.
• Travel and fraud protection – Travel worry-free with global travel emergency services, including identity theft protection, 24/7 professional fraud support and help with unexpected medical expenses. The Assist America program is valid whenever you travel 100 miles or more away from home or outside the U.S. for no longer than 90 days in a row. Learn more about Assist America. 
• Personal Emergency Response System (PERS) helps members live independently for those at risk of falls. (not covered for Plan 011 and Plan 015)
• Companion Care for members at risk of social isolation to provide emotional support and socialization. (not covered for Plan 011 and Plan 015)