What you need to know about  Coronavirus, your HAP coverage, and getting care during the pandemic.

Plan Overview

What’s new for 2021  

HAP is here, helping you navigate your 2021 plan. Below are our benefit summaries for next year:  

HMO vs. PPO plans

HAP is here with HMO and PPO plans plus benefits beyond what you’ve come to expect. 

HMO plan highlights: 

  • Lower monthly premiums 
  • Includes chiropractic services and hearing aid coverage
  • $1,500 individual in network benefit
  • 20% coinsurance 
  • $3,000 individual out of pocket maximum 

PPO plan highlights:  

  • PPO network is nationwide 
  • Includes hearing aid coverage
  • $1,500 individual in-network deductible 
  • 20% in network coinsurance
  • $3,000 Individual out of pocket maximum 

Both plans include the same covered drugs. 

 

HMO

PPO

Members must choose a PCP

 Yes  No

Referrals for specialists required

 No* No* 

Out-of-network coverage

No

Yes

Out-of-network emergency care

 All HAP members have worldwide emergency and urgent care coverage as well as telehealth coverage. 

How it works

Learn more about getting care with your HAP plan and additional value-added benefits.

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