Health plan terminology
This short video explains benefits, deductibles, copays, coinsurance, and out-of-pocket maximums so you can make the right decisions. (Video, 3:15)
Open video transcriptWhy choose HAP?
Member benefits
Discover health insurance that goes beyond doctors and deductibles. It's not just HAP's quality health plans that benefit you. We have many programs and services that go beyond health insurance.
Customer service team
We’ve taken our commitment to providing exceptional customer service one step further by creating a team of customer service specialists to improve how you get help. This means you get your questions answered faster and more easily.
Leading doctors and hospitals
We have thousands of doctors - including specialists - in our network. It's likely we work with the doctor you trust.
Anywhere access at hap.org
Everything you need to know is at hap.org. By logging in, you have 24/7 access to free and secure digital service tools such as important plan documents, claim information, iStrive digital wellness manager, the Health Care Cost Estimator and more.
HAP’s OnTheGo mobile app makes accessing tools and information even easier. It features a digital member ID card, one-touch calling to providers and access to a health information library.
Telehealth services
Getting health care online has never been easier. HAP has partnered with American Well® to provide telehealth services. Licensed and board-certified doctors are available 24/7 for live, online visits via mobile phone, tablet or computer to treat nonemergency illnesses, such as colds, flu, headache, rashes, sinus infections and pinkeye. Visit hap.org/telehealth for more information.
With the Amwell mobile app, you can connect to a doctor anytime and anywhere.
Assist America emergency travel assistance and identity theft protection
HAP is there, even when you’re far from home. Through our partnership with Assist America, we offer global emergency medical services if you become ill or injured while traveling. Assist America also offers free identity theft protection with safe, continuous monitoring and fraud support. Visit hap.org/assistamerica for more information.
Assist America’s mobile app offers one touch connection to their 24/7 call center.
HAP Member Discounts
To make staying healthy a little less expensive, HAP offers savings on health and wellness-related activities and services for our members.
Many of our HAP Member Discount partners are local companies and venues that also call Michigan home. Visit hap.org/member-discounts for more information.
The HAP Member Discounts app sends mobile alerts when members are near an eligible discount.
iStrive for Better Health
You have access to our digital wellness manager with free, personalized health and wellness tools powered by WebMD. Set health goals and track your progress with the Wellness at Your Side app. This app also provides you with a fast, easy way to access your HAP iStrive® for Better Health account.
Health Care Cost Estimator
The key to cost-effective care is knowing what health care costs. HAP’s Health Care Cost Estimator allows you to compare costs among providers, different places of service and different treatment options. You can reduce your out-of-pocket costs by comparing and choosing the best option for your treatment needs. Visit hap.org/costestimator for more information.
We know there are other health insurance options out there to choose from. But we stand apart with our dedication to meeting our members’ needs.
Take the next step with us
Whether you’re ready to enroll in a health plan or just need some additional information, contact us or talk to your employer about how to sign up for a HAP plan.