Open Enrollment is November 2nd – 13th, 2026
Questions? Starting November 1st, you can call (888) 274-7850, 8:00 a.m. to 7:00 p.m.,
Monday through Friday. Let them know you’re a PACE employee.
Plan Information
Explore Your Plan Options
PACE Southeast Michigan offers multiple medical plan choices so employees can select the coverage that best meets their needs.
Available plans through Health Alliance Plan include:
- HMO Select
- HMO
- PPO
- HDHP PPO
Each plan offers comprehensive coverage, preventive care, prescription benefits, and access to a network of providers. While plan designs share many common features, differences exist in provider networks, deductibles, payroll contributions, and flexibility.
Learn more about our networks
| HMO | PPO |
|---|---|---|
Find doctors and providers online | Yes - click here to find a doctor. | |
Summary | An HMO plan is traditionally a more affordable option, with care coordinated through a primary care physician. | Members will have lower out-of-pocket costs when they stay inside of their network. Flexibility to seek services throughout Michigan as well as national coverage. |
| PCP | Members must choose a primary care physician. | Members are not required to choose a primary care physician. |
| Referrals for specialists required by HAP* | No* | No* |
| Out-of-network coverage | Out-of-network care is not covered unless emergency. | Yes |
| Out-of-network emergency care | All HAP members have worldwide emergency and urgent care coverage, as well as access to 24/7 telehealth services. | |
Student coverage away from home (All plans always covered for urgent or emergency care, including mental health services.) | Yes To obtain authorization for treatment or services, the student should contact a HAP Students Away coordinator by calling (248) 557-6271 (TTY:711) or email us at StudentAway@hap.org. For behavioral health concerns, such as depression or anxiety, call (800) 444-5755. | Yes |
Prescription drug coverage | Yes | Yes |
Preventive care programs | Yes | Yes |
*Some services require prior authorization.