HAP's sales and network coverage areas

Our fully funded plans offer the coverage your employees need and the peace of mind that comes with fixed health care costs. It’s important to understand the difference between the types of plans and what benefits each offer.

• HMO: Coordinated care through a primary care physician
• EPO: Flexibility to seek services throughout Michigan
• PPO: Flexibility to seek services throughout Michigan as well as national coverage

 *Specialist's office may require a referral but HAP does not. 

A health savings account, or HSA, is a tax-exempt account used to pay for qualified medical expenses for the account holder and their dependents. A health reimbursement arrangement, or HRA, is an employer-funded account used to reimburse employees for out-of-pocket medical expenses. Use this chart to compare these options and choose what’s best for you and your employees.

*Limits are subject to change due to IRS rules.

All qualified medical expenses as defined in Section 213(d) of the Internal Revenue Code.

Large group HMO sales and network coverage area:

With our fully insured HMO plans, your business must be located within one of these Michigan counties below. In a Large Group HMO plan, your employees can seek in-network care in the Michigan counties below and in northwest Ohio*.

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

Large group PPO sales and network coverage area:

With our fully insured PPO plans, your business must be located within one of the Michigan counties below. With a HAP Large Group PPO plan, your employees can seek care through our statewide PPO network throughout Michigan and northwest Ohio* or use the Aetna Signature AdministratorsⓇ Network when outside of that network.

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

Large group EPO sales and network coverage area

With our fully insured EPO plans, your business must be located within one of the Michigan counties below. With a HAP EPO Large Group plan, your employees can seek care in our statewide PPO network in Michigan and northwest Ohio*. 

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

Pivotal is an employer-sponsored health plan. It’s an HMO plan that’s been thoughtfully designed for business owners. It leverages the strengths and innovation of HAP and Henry Ford Health.

High-quality health care, close to home

The Pivotal plan focuses on delivering world-class care, while at the same time reducing medical costs. 

Its expansive network includes: 

• Henry Ford Health
• Henry Ford Physician Network
• Henry Ford Allegiance Health
• Jackson Health Network

Plus, HAP’s full HMO network of ancillary providers, our full pharmacy network and all our contracted pediatric primary care providers and specialists.

• Learn more about Pivotal

• Vision Provider Locator