Compare health plans with health plan basics

HAP offers a variety of HMO and PPO plans to fit your budget. All of our plan types focus on preventive care and reducing your health care costs.

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HAP creates health plans that work harder for individuals and families

HAP Individual/Family Gold plans


HAP Individual Gold plans	HMO HSA D32 Henry Ford Health Select HMO HSA D32 PPO HSA D32
Deductible (individual/ family)	$3,200/$6,400
Coinsurance	0%
Out-of-pocket limit	$3,200/$6,400
Telehealth/ PCP/ specialty visit	Telehealth: covered after deductible PCP: covered after deductible Specialist: covered after deductible
Emergency room/ urgent care	Covered after deductible
Prescription copay (generic drug purchased at a preferred pharmacy)	Covered after deductible

HAP Individual/Family Silver plans


HAP Individual Silver Plans	HMO D35 Henry Ford Health Select HMO D35 PPO D35	HMO F55 Henry Ford Health Select HMO F55 PPO F55
Deductible (individual/family)	$3,500/$7,000	$5,500/$11,000
Coinsurance	30%	40%
Out-of-pocket limit	$10,150/$20,300	$10,150/$20,300
Telehealth/ PCP/ specialty visit	$0/$40/$55	$0/$40/$65
Emergency room/ urgent care	ER:30% coinsurance after deductible UC:$65	ER:40% coinsurance after deductible UC:$75
Prescription copay (generic drug purchased at a preferred pharmacy)	$10	$5

HAP Individual/Family Bronze plans


HAP Individual Bronze plans	HMO H7 Henry Ford Health Select HMO H7 PPO H7	HMO HSA H72 EMB Henry Ford Health Select HMO HSA H72 EMB PPO HSA H72 EMB	HMO K92 Henry Ford Health Select HMO K92 PPO K92
Deductible (individual/ family)	$7,000/$14,000	$7,200/$14,400	$9,200/$18,400
Coinsurance	40%	0%	0%
Out-of-pocket limit	$10,150/$20,300	$7,200/$14,400	$10,150/$20,300
Telehealth/ PCP/ specialty visit	$0/$55/$85	Covered after deductible	$0/$50/ covered after deductible
Emergency room/ urgent care	40% coinsurance after deductible	Covered after deductible	Covered after deductible
Prescription copay (generic drug purchased at a preferred pharmacy)	$10	Covered after deductible	$10

HAP Catastrophic plans (individual under 30)


HAP Catastrophic plans *Plans are available only to individuals under the age of 30, unless they qualify for a hardship exemption.	HMO Catastrophic L106 Henry Ford Health Select HMO Catastrophic L106 PPO Catastrophic L106
Deductible (individual/ family)	$10,600/$21,200
Coinsurance	0%
Out-of-pocket limit	$10,600/$21,200
Telehealth/ PCP/ specialty visit	Telehealth: covered after deductible PCP: Fully covered for first three visits, all other visits covered after deductible Specialist: covered after deductible
Emergency room/ urgent care	Covered after deductible
Prescription copay (generic drug purchased at a preferred pharmacy)	Covered after deductible

Individual/Family HMO and PPO plan sales and network coverage areas
HMO Network Coverage Area:

Oakland

Oceana

Ogemaw

Osceola

Oscoda

Ostego

Ottawa

Presque Isle

Roscommon

Saginaw

Sanilac

Shiawassee

St. Clair

Tuscola

Washtenaw

Wayne

Wexford

Kalkaska

Kent

Lake

Lapeer

Leelanau

Lenawee

Livingston

Macomb

Manistee

Mason

Mecosta

Midland

Missaukee

Monroe

Montcalm

Montmorency

Muskegon

Newaygo

Alcona

Allegan

Alpena

Antrim

Arenac

Barry

Bay

Benzie

Branch

Charlevoix

Cheboygan

Clare

Clinton

Crawford

Eaton

Emmet

Genesee

Gladwin

Grand Traverse

Gratiot

Hillsdale

Huron

Ingham

Iosco

Ionia

Isabella

Jackson

HMO network – you must reside and seek care in the counties above

PPO Network Coverage Area:

Oceana

Ogemaw

Osceola

Oscoda

Otsego

Ottawa

Presque Isle

Roscommon

Saginaw

Sanilac

Shiawassee

St. Clair

Tuscola

Van Buren

Washtenaw

Wayne

Wexford

Kalamazoo

Kalkaska

Kent

Lake

Lapeer

Leelanau

Lenawee

Livingston

Macomb

Manistee

Mason

Mecosta

Midland

Missaukee

Monroe

Montcalm

Montmorency

Muskegon

Newaygo

Oakland

Alcona

Allegan

Alpena

Antrim

Arenac

Barry

Bay

Benzie

Berrien

Branch

Calhoun

Cass

Charlevoix

Cheboygan

Clare

Clinton

Crawford

Eaton

Emmet

Genesee

Gladwin

Grand Traverse

Gratiot

Hillsdale

Huron

Ingham

Ionia

Iosco

Isabella

Jackson

PPO network – Members with a HAP PPO Individual plan can seek care through our statewide PPO network in Michigan and northwest Ohio**.

**Seven counties in northwest Ohio: Defiance, Fulton, Henry, Lucas, Ottawa, Williams and Wood.

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