HAP Plan Types

Preferred Provider Organization (PPO)

Our PPO lets enrollees seek care from providers within or outside of the network, without referrals. Enrollees can go out of the network with a greater cost sharing.

Exclusive Provider Organization (EPO)

An EPO offers the freedom of our PPO, but with no out-of-pocket benefits. Enrollees can see any physician within the EPO network, without a referral or choosing a PCP. THE EPO uses the same network as our PPO.


HMO plans range from traditional coverage to plans with varying annual out-of-pocket limits, deductibles and co-insurance options with lower premiums. HMO members can choose a PCP The plans also offer worldwide urgent care and emergency coverage.

High-Deductible health Plan (HDHP)

HDHP plans can be offered using our HMO, PPO, and EPO products. The plans have minimum deductibles of $1,200 for self-only coverage or $2,400 for family coverage. Annual out-of-pocket costs, including deductibles and co-insurance, do not exceed $5,600 for self-only coverage or $11,200 for family coverage.

Health Reinbursment Arrangement (HRA)

Our HRA puts employees in charge of their health care spending and created incentives for cost control. Once a plan design is selected, our local HRA administrator, BASIC, can help establish a reimbursment account of any dollar amountto help share the cost of health care between employers and employees.