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HAP plan basics

Straightforward information about your health coverage

We work with our employer partners to provide a wide range of health plan types. Your employer may offer one or several HAP plans to choose from.

  • Plan types

    Our plan types include health maintenance organizations, or HMOs; preferred provider organizations, or PPOs; and exclusive provider organizations, or EPOs. These types of plans focus on preventive care and reducing the cost of health care

    HMOs

    HMOs are usually more affordable than PPOs. HMO members coordinate their care through a primary care doctor. Though HAP doesn’t require you to get a referral from your primary care doctor to see a specialist, the specialist may require a referral. Check with the specialist’s office to find out if you need a referral from your primary care doctor before making an appointment. Find a doctor in our network.

    Some of the advantages of HMO plans include:

    • Ability to choose and change primary care doctors as often as you like
    • Access to providers and hospitals within the HMO’s network
    • Each covered family member can have a different primary care doctor

    PPOs

    PPOs offer more flexibility and choices. Some of the advantages of these plans include:

    • No need to choose a primary care doctor
    • Reduced out-of-pocket costs when you see in-network providers
    • Members can see health care providers within or outside the PPO network without referrals

    EPOs

    EPOs combine the cost savings of HMOs with the flexibility of PPOs. These plans have the following advantages:

    • Access to providers within the EPO’s network
    • Larger service area than HMO plans
    • No need to choose a primary care doctor

    Plan savings

    If you have an HMO plan, it may include a Health Engagement program, which can turn healthy behaviors into out-of-pocket savings. Learn about our Health Engagement program.

  • Service areas

    Where you live can determine where you can get care:

    • Our HMO members can seek care through our HMO network in Michigan.
    • Our PPO members can seek care through our statewide PPO network in Michigan and northwest Ohio* or use the Cigna® nationwide network when outside of that area. 
    • Our EPO members can seek care through our statewide PPO network in Michigan and northwest Ohio. They can use the Cigna nationwide network if they permanently reside outside of Michigan.

    Check out our service areas.

    You may be eligible to save on premiums by choosing one of our Choice HMO network options.

    Henry Ford Choice network

    The Henry Ford Choice network is open to residents of Macomb and Wayne counties, as well as parts of Oakland County. This network includes doctors and facilities that are part of the Henry Ford system.

    Learn about the Henry Ford Choice network.

    Genesys Choice network

    The Genesys Choice network is available to residents of Genesee County. Members who choose this plan have access to doctors and specialists within the Genesys Physician Hospital Organization, as well as health care facilities affiliated with Genesys Regional Medical Center.

    Learn about the Genesys Choice network.

  • Services we cover

    We cover many health care services under our plans, including preventive services, urgent and emergency care, hospitalizations at affiliated facilities and more. Log in to your account for coverage details specific to your plan.

    Our plans also include programs, services and discounts for members. These programs encourage healthy lifestyles and help you save money at popular retailers. Learn about our health and wellness programs, as well as our available discounts and services.

    We also provide full coverage for spouses and dependents on your plan. We also cover children ages 5 to 26 who are away at school under our Students Away at School Program. Learn about dependent coverage.

Need more information?

Talk to your employer or log in to your account for information specific to your employer’s plan. If you have questions about your plan:

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