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Welcome to the Plan Advisor

Helpful info
Business health care coverage from HAP is available to companies located in 23 Michigan counties (9 counties for HMO and 23 counties for PPO/EPO plans). Hap Counties
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The Plan Advisor is designed to help your business, select the right health plan. Use the Plan Advisor to understand the plans offered to HAP's business clients.

HAP can customize any of the available plans for groups with over 50 employees. This tool will help you understand what type of funding options and products will work best with your business needs.

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Group Plans

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HMO
  • HAP 0 Direct
    2014
    HMO
    Deductible (family): $0.00
    Office Visit: $30 copay
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    HAP 0 Direct

    Deductible (family): $0.00
    Office Visit: $30 copay
    Coinsurance: 0%
    Prescription Costs: $20/$40/50%/50%
    Out-of-pocket Limit: $ 2,000.00
  • HAP 500
    2014
    HMO
    Deductible (family): $1,000.00
    Office Visit: $30 copay
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    HAP 500

    Deductible (family): $1,000.00
    Office Visit: $30 copay
    Coinsurance: 0%
    Prescription Costs: $10/$30/50%/50%
    Out-of-pocket Limit: $ 2,000.00
  • HAP 1000
    2014
    HMO
    Deductible (family): $2,000.00
    Office Visit: $30 copay
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    HAP 1000

    Deductible (family): $2,000.00
    Office Visit: $30 copay
    Coinsurance: 0%
    Prescription Costs: $15/$40/50%/50%
    Out-of-pocket Limit: $ 6,000.00
  • HAP 2000
    2014
    HMO
    Deductible (family): $4,000.00
    Office Visit: $30 copay
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    HAP 2000

    Deductible (family): $4,000.00
    Office Visit: $30 copay
    Coinsurance: 20%
    Prescription Costs: $20/$60/50%/50%
    Out-of-pocket Limit: $ 12,000.00
  • HAP 3000
    2014
    HMO
    Deductible (family): $6,000.00
    Office Visit: $45 copay after deductible
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    HAP 3000

    Deductible (family): $6,000.00
    Office Visit: $45 copay after deductible
    Coinsurance: 0%
    Prescription Costs: $25/$100/50%/50% after deductible
    Out-of-pocket Limit: $ 12,700.00
  • HAP 500
    2014
    HMO
    Deductible (family): $1,000.00
    Office Visit: $30 copay
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    HAP 500

    Deductible (family): $1,000.00
    Office Visit: $30 copay
    Coinsurance: 0%
    Prescription Costs: $10/$30/50%/50%
    Out-of-pocket Limit: $ 2,000.00
  • HAP 1000
    2014
    HMO
    Deductible (family): $2,000.00
    Office Visit: $30 copay
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    HAP 1000

    Deductible (family): $2,000.00
    Office Visit: $30 copay
    Coinsurance: 0%
    Prescription Costs: $15/$40/50%/50%
    Out-of-pocket Limit: $ 6,000.00
  • HAP 2000
    2014
    HMO
    Deductible (family): $4,000.00
    Office Visit: $30 copay
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    HAP 2000

    Deductible (family): $4,000.00
    Office Visit: $30 copay
    Coinsurance: 20%
    Prescription Costs: $20/$60/50%/50%
    Out-of-pocket Limit: $ 12,000.00
  • HAP 3000
    2014
    HMO
    Deductible (family): $6,000.00
    Office Visit: $45 copay after deductible
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    HAP 3000

    Deductible (family): $6,000.00
    Office Visit: $45 copay after deductible
    Coinsurance: 0%
    Prescription Costs: $25/$100/50%/50% after deductible
    Out-of-pocket Limit: $ 12,700.00
  • HAP 500
    2014
    HMO
    Deductible (family): $1,000.00
    Office Visit: $30 copay
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    HAP 500

    Deductible (family): $1,000.00
    Office Visit: $30 copay
    Coinsurance: 0%
    Prescription Costs: $10/$30/50%/50%
    Out-of-pocket Limit: $ 2,000.00
  • HAP 1000
    2014
    HMO
    Deductible (family): $2,000.00
    Office Visit: $30 copay
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    HAP 1000

    Deductible (family): $2,000.00
    Office Visit: $30 copay
    Coinsurance: 0%
    Prescription Costs: $15/$40/50%/50%
    Out-of-pocket Limit: $ 6,000.00
  • HAP 2000
    2014
    HMO
    Deductible (family): $4,000.00
    Office Visit: $30 copay
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    HAP 2000

    Deductible (family): $4,000.00
    Office Visit: $30 copay
    Coinsurance: 20%
    Prescription Costs: $20/$60/50%/50%
    Out-of-pocket Limit: $ 12,000.00
  • HAP 3000
    2014
    HMO
    Deductible (family): $6,000.00
    Office Visit: $45 copay after deductible
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    HAP 3000

    Deductible (family): $6,000.00
    Office Visit: $45 copay after deductible
    Coinsurance: 0%
    Prescription Costs: $25/$100/50%/50% after deductible
    Out-of-pocket Limit: $ 12,700.00
PPO
  • HAP 0 Direct
    2014
    PPO
    Deductible (family): $0.00
    Office Visit: $30 copay
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    HAP 0 Direct

    Deductible (family): $0.00
    Office Visit: $30 copay
    Coinsurance: 0%
    Prescription Costs: $20/$40/50%/50%
    Out-of-pocket Limit: $ 2,000.00
  • HAP 500
    2014
    PPO
    Deductible (family): $1,000.00
    Office Visit: $30 copay
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    HAP 500

    Deductible (family): $1,000.00
    Office Visit: $30 copay
    Coinsurance: 0%
    Prescription Costs: $10/$30/50%/50%
    Out-of-pocket Limit: $ 2,000.00
  • HAP 1000
    2014
    PPO
    Deductible (family): $2,000.00
    Office Visit: $30 copay
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    HAP 1000

    Deductible (family): $2,000.00
    Office Visit: $30 copay
    Coinsurance: 0%
    Prescription Costs: $15/$40/50%/50%
    Out-of-pocket Limit: $ 6,000.00
  • HAP 2000
    2014
    PPO
    Deductible (family): $4,000.00
    Office Visit: $30 copay
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    HAP 2000

    Deductible (family): $4,000.00
    Office Visit: $30 copay
    Coinsurance: 20%
    Prescription Costs: $20/$60/50%/50%
    Out-of-pocket Limit: $ 12,000.00
  • HAP 3000
    2014
    PPO
    Deductible (family): $6,000.00
    Office Visit: $45 copay, limit 2 before deductible
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    HAP 3000

    Deductible (family): $6,000.00
    Office Visit: $45 copay, limit 2 before deductible
    Coinsurance: 0%
    Prescription Costs: $20/$60/50%/50% after deductible
    Out-of-pocket Limit: $ 12,700.00
  • HAP 500
    2014
    PPO
    Deductible (family): $1,000.00
    Office Visit: $30 copay
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    HAP 500

    Deductible (family): $1,000.00
    Office Visit: $30 copay
    Coinsurance: 0%
    Prescription Costs: $10/$30/50%/50%
    Out-of-pocket Limit: $ 2,000.00
  • HAP 1000
    2014
    PPO
    Deductible (family): $2,000.00
    Office Visit: $30 copay
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    HAP 1000

    Deductible (family): $2,000.00
    Office Visit: $30 copay
    Coinsurance: 0%
    Prescription Costs: $15/$40/50%/50%
    Out-of-pocket Limit: $ 6,000.00
  • HAP 2000
    2014
    PPO
    Deductible (family): $4,000.00
    Office Visit: $30 copay
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    HAP 2000

    Deductible (family): $4,000.00
    Office Visit: $30 copay
    Coinsurance: 20%
    Prescription Costs: $20/$60/50%/50%
    Out-of-pocket Limit: $ 12,000.00
  • HAP 3000
    2014
    PPO
    Deductible (family): $6,000.00
    Office Visit: $45 copay, limit 2 before deductible
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    HAP 3000

    Deductible (family): $6,000.00
    Office Visit: $45 copay, limit 2 before deductible
    Coinsurance: 0%
    Prescription Costs: $20/$60/50%/50% after deductible
    Out-of-pocket Limit: $ 12,700.00
  • HAP 500
    2014
    PPO
    Deductible (family): $1,000.00
    Office Visit: $30 copay
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    HAP 500

    Deductible (family): $1,000.00
    Office Visit: $30 copay
    Coinsurance: 0%
    Prescription Costs: $10/$30/50%/50%
    Out-of-pocket Limit: $ 2,000.00
  • HAP 1000
    2014
    PPO
    Deductible (family): $2,000.00
    Office Visit: $30 copay
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    HAP 1000

    Deductible (family): $2,000.00
    Office Visit: $30 copay
    Coinsurance: 0%
    Prescription Costs: $15/$40/50%/50%
    Out-of-pocket Limit: $ 6,000.00
  • HAP 2000
    2014
    PPO
    Deductible (family): $4,000.00
    Office Visit: $30 copay
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    HAP 2000

    Deductible (family): $4,000.00
    Office Visit: $30 copay
    Coinsurance: 20%
    Prescription Costs: $20/$60/50%/50%
    Out-of-pocket Limit: $ 12,000.00
  • HAP 3000
    2014
    PPO
    Deductible (family): $6,000.00
    Office Visit: $45 copay, limit 2 before deductible
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    HAP 3000

    Deductible (family): $6,000.00
    Office Visit: $45 copay, limit 2 before deductible
    Coinsurance: 0%
    Prescription Costs: $20/$60/50%/50% after deductible
    Out-of-pocket Limit: $ 12,700.00
EPO
  • HAP 500
    2014
    EPO
    Deductible (family): $1,000.00
    Office Visit: $30 copay
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    HAP 500

    Deductible (family): $1,000.00
    Office Visit: $30 copay
    Coinsurance: 0%
    Prescription Costs: $10/$30/50%/50%
    Out-of-pocket Limit: $ 2,000.00
  • HAP 1000
    2014
    EPO
    Deductible (family): $2,000.00
    Office Visit: $30 copay
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    HAP 1000

    Deductible (family): $2,000.00
    Office Visit: $30 copay
    Coinsurance: 0%
    Prescription Costs: $15/$40/50%/50%
    Out-of-pocket Limit: $ 6,000.00
  • HAP 2000
    2014
    EPO
    Deductible (family): $4,000.00
    Office Visit: $30 copay
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    HAP 2000

    Deductible (family): $4,000.00
    Office Visit: $30 copay
    Coinsurance: 20%
    Prescription Costs: $20/$60/50%/50%
    Out-of-pocket Limit: $ 12,000.00
  • HAP 500
    2014
    EPO
    Deductible (family): $1,000.00
    Office Visit: $30 copay
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    HAP 500

    Deductible (family): $1,000.00
    Office Visit: $30 copay
    Coinsurance: 0%
    Prescription Costs: $10/$30/50%/50%
    Out-of-pocket Limit: $ 2,000.00
  • HAP 1000
    2014
    EPO
    Deductible (family): $2,000.00
    Office Visit: $30 copay
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    HAP 1000

    Deductible (family): $2,000.00
    Office Visit: $30 copay
    Coinsurance: 0%
    Prescription Costs: $15/$40/50%/50%
    Out-of-pocket Limit: $ 6,000.00
  • HAP 2000
    2014
    EPO
    Deductible (family): $4,000.00
    Office Visit: $30 copay
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    HAP 2000

    Deductible (family): $4,000.00
    Office Visit: $30 copay
    Coinsurance: 20%
    Prescription Costs: $20/$60/50%/50%
    Out-of-pocket Limit: $ 12,000.00
  • HAP 2000
    2014
    EPO
    Deductible (family): $4,000.00
    Office Visit: $30 copay
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    HAP 2000

    Deductible (family): $4,000.00
    Office Visit: $30 copay
    Coinsurance: 20%
    Prescription Costs: $20/$60/50%/50%
    Out-of-pocket Limit: $ 12,000.00
HMO - HSA
  • HAP 1500
    2014
    HMO - HSA
    Deductible (family): $3,000.00
    Office Visit: Subject to deductible and coinsurance
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    HAP 1500

    Deductible (family): $3,000.00
    Office Visit: Subject to deductible and coinsurance
    Coinsurance: 20%
    Prescription Costs: Subject to deductible and coinsurance
    Out-of-pocket Limit: $ 4,000.00
  • HAP 2000
    2014
    HMO - HSA
    Deductible (family): $4,000.00
    Office Visit: Covered after deductible
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    HAP 2000

    Deductible (family): $4,000.00
    Office Visit: Covered after deductible
    Coinsurance: 0%
    Prescription Costs: $20/$40/50%/50% After deductible
    Out-of-pocket Limit: $ 8,000.00
  • HAP 1500
    2014
    HMO - HSA
    Deductible (family): $3,000.00
    Office Visit: Subject to deductible and coinsurance
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    HAP 1500

    Deductible (family): $3,000.00
    Office Visit: Subject to deductible and coinsurance
    Coinsurance: 20%
    Prescription Costs: Subject to deductible and coinsurance
    Out-of-pocket Limit: $ 4,000.00
  • HAP 2000
    2014
    HMO - HSA
    Deductible (family): $4,000.00
    Office Visit: Covered after deductible
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    HAP 2000

    Deductible (family): $4,000.00
    Office Visit: Covered after deductible
    Coinsurance: 0%
    Prescription Costs: $20/$40/50%/50% After deductible
    Out-of-pocket Limit: $ 8,000.00
  • HAP 1500
    2014
    HMO - HSA
    Deductible (family): $3,000.00
    Office Visit: Subject to deductible and coinsurance
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    HAP 1500

    Deductible (family): $3,000.00
    Office Visit: Subject to deductible and coinsurance
    Coinsurance: 20%
    Prescription Costs: Subject to deductible and coinsurance
    Out-of-pocket Limit: $ 4,000.00
  • HAP 2000
    2014
    HMO - HSA
    Deductible (family): $4,000.00
    Office Visit: Covered after deductible
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    HAP 2000

    Deductible (family): $4,000.00
    Office Visit: Covered after deductible
    Coinsurance: 0%
    Prescription Costs: $20/$40/50%/50% After deductible
    Out-of-pocket Limit: $ 8,000.00
PPO - HSA
  • HAP 1500
    2014
    PPO - HSA
    Deductible (family): $3,000.00
    Office Visit: Subject to deductible and coinsurance
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    HAP 1500

    Deductible (family): $3,000.00
    Office Visit: Subject to deductible and coinsurance
    Coinsurance: 20%
    Prescription Costs: Subject to deductible and coinsurance
    Out-of-pocket Limit: $ 4,000.00
  • HAP 2000
    2014
    PPO - HSA
    Deductible (family): $4,000.00
    Office Visit: Covered after deductible
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    HAP 2000

    Deductible (family): $4,000.00
    Office Visit: Covered after deductible
    Coinsurance: 0%
    Prescription Costs: $20/$40/50%/50% After deductible
    Out-of-pocket Limit: $ 8,000.00
  • HAP 1500
    2014
    PPO - HSA
    Deductible (family): $3,000.00
    Office Visit: Subject to deductible and coinsurance
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    HAP 1500

    Deductible (family): $3,000.00
    Office Visit: Subject to deductible and coinsurance
    Coinsurance: 20%
    Prescription Costs: Subject to deductible and coinsurance
    Out-of-pocket Limit: $ 4,000.00
  • HAP 2000
    2014
    PPO - HSA
    Deductible (family): $4,000.00
    Office Visit: Covered after deductible
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    HAP 2000

    Deductible (family): $4,000.00
    Office Visit: Covered after deductible
    Coinsurance: 0%
    Prescription Costs: $20/$40/50%/50% After deductible
    Out-of-pocket Limit: $ 8,000.00
  • HAP 1500
    2014
    PPO - HSA
    Deductible (family): $3,000.00
    Office Visit: Subject to deductible and coinsurance
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    HAP 1500

    Deductible (family): $3,000.00
    Office Visit: Subject to deductible and coinsurance
    Coinsurance: 20%
    Prescription Costs: Subject to deductible and coinsurance
    Out-of-pocket Limit: $ 4,000.00
  • HAP 2000
    2014
    PPO - HSA
    Deductible (family): $4,000.00
    Office Visit: Covered after deductible
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    HAP 2000

    Deductible (family): $4,000.00
    Office Visit: Covered after deductible
    Coinsurance: 0%
    Prescription Costs: $20/$40/50%/50% After deductible
    Out-of-pocket Limit: $ 8,000.00
Pricing Disclaimer
This rating model has been designed to provide an estimate of rates for Individual HMO and PPO Plans. Rates are based on a base rate, benchmark plan factor, age band rate factor, tobacco factor, and geographic factor. The premium rates displayed are intended for existing business administrative changes only based on the current census information submitted. If this information changes before the desired effective date requested, these rates will no longer apply. Final rates are based on the birthdate at the time the policy becomes effective . The estimated rate is provided for informational purposes only and is not a final determination. Actual rates may vary due to rounding. Applicable taxes are embedded in rate.

Please contact HAP Sales for additional pricing information.
* Health Alliance Plan of Michigan received the highest numerical score among commercial health plans in Michigan in the proprietary J.D. Power 2008-2014 U.S. Member Health Plan StudiesSM. 2014 study based on 34,315 total member responses, measuring four plans in Michigan (excludes Medicare and Medicaid). Proprietary study results are based on experiences and perceptions of members surveyed December 2013 – January 2014. Your experiences may vary. Visit jdpower.com
Platinum Metal Tier
Ideal for those who visit the doctor frequently or have a chronic condition.
Gold Metal Tier
Ideal for those who see doctors and specialists several times a year.
Silver Metal Tier
Ideal for individuals and families who visit a doctor several times a year in addition to yearly check-ups.
Bronze Metal Tier
Ideal for those who are very healthy, under 30 years old and only want to cover major medical events.
Catastrophic
Ideal for those who are very healthy, under 30 years old and only want to cover major medical events.
Health Maintenance Organization
A form of health coverage that emphasizes preventive care. With an HMO, members prepay a premium for health services, which generally includes inpatient and outpatient care. For the member, it means reduced out-of-pocket costs and no paperwork.
Preferred Provider Organization
Members do not have a PCP. Members can self-refer, and receive a higher level of benefits when they receive care from participating providers, and a lower level of benefits when they receive care from non-participating providers.
Health Savings Account
Members do not have a PCP. Members can self-refer, and receive a higher level of benefits when they receive care from participating providers, and a lower level of benefits when they receive care from non-participating providers.
Health Savings Account
Members do not have a PCP. Members can self-refer, and receive a higher level of benefits when they receive care from participating providers, and a lower level of benefits when they receive care from non-participating providers.
Exclusive Provider Organization
A managed care program in which members receive care within a specific provider network. Although members must use the EPO provider network exclusively, they are not required to select a PCP. Although referrals are not required for specialty care, medical services received outside of the EPO network are not covered.
Government Plan Subsidized
Plan eligible for lower cost through the Health Insurance Marketplace.
iSelect
iSelect is a new, locally based private health insurance exchange.
SHOP
The Small Business Health Options Program (SHOP) is a federally facilitated marketplace.
HAP Sales
Purchase available through a HAP Agent or Producer or a HAP Sales Representative.
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HAP is here to help
The plan selected requires you to be redirected to the Health Insurance Marketplace to complete your application.
Before you click COMPLETE APPLICATION AT MARKETPLACE, write down the plan, including the metal tier, that you are interested in.

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You selected:
Complete Application at Marketplace

If you have any questions, please call a HAP Sales Representative at (855) WITH-HAP between 8 a.m. - 6 p.m. EST Mon - Fri for one-on-one assistance. Prefer email?

Representatives are also available at the following locations to provide a private consultation and answer your health insurance questions with on-the-spot enrollment assistance.

HAP Corporate Customer Service Lobby
2850 West Grand Blvd.
Detroit, MI 48202
Mon - Fri 8:30 a.m. - 4:30 p.m.

HAP Tower 14 Customer Service Lobby
21700 Northwestern Hwy.
Southfield, MI 48075
Mon - Fri 8:30 a.m. - 4:30 p.m.
Troy Optimeyes
735 John R Rd.
Troy, MI 48083
Mon - Fri 8:30 a.m. - 8 p.m.
Sat 8 a.m. - 5 p.m.
Sun 11 a.m. - 4 p.m.
We look forward to welcoming you to the HAP family!