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 mail order 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 30 county service area.

Plan highlights include:

• $0 monthly premium
• $0 annual medical and prescription deductible 
• $10 copay PCP visits; $30 specialist visits 

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

• HAP Senior Plus HAP Senior Plus

HAP Primary Choice Medicare (HMO)

New for 2020, our doctor-designed health insurance plans, Primary Choice Medicare HMO, are affordable option 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; $30 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
• New for 2020, this plan includes acupuncture benefits 

• Henry Ford Tiered Access

HAP Choice Medicare (HMO)

New for 2020, HAP is introducing HAP Choice Medicare (HMO) plans 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. This plan requires a referral for specialist visits and services
• $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 

• Vision coverage: with $0 copays on routine vision exams and $100 allowance per year for glasses, frames and contact lenses 
• Dental coverage: with $0 copays on annual preventive dental visit that includes an exam, cleaning and X-rays. If you want additional dental benefits, there's an option to add more coverage starting at $21.40.
• Hearing coverage: with $0 copays for routine exams, evaluations and fittings. Hearing aid copays range from $689 to $2,039 (2 hearing aids per year, 1 per ear)
• 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. 

Extras you don't pay for that help your health 

• 24/7 telehealth services - see a doctor online via computer, tablet or smart phone for as low as $0 copay. Learn more about HAP's telehealth services. 
• $0 gym and fitness center memberships - enjoy a monthly membership or home fitness kit at no cost through our partnership with Silver&Fit®. Learn more about Silver&Fit. 
• 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.