Plan Comparison

	HMO	PPO	EPO
Find doctors and providers online	Yes - click here to find a doctor.	Yes - click here to find a doctor.	Yes - click here to find a doctor.
Summary	An HMO plan is traditionally a more affordable option, with care coordinated through a primary care physician.	Members will have lower out-of-pocket costs when they stay inside of their network. Flexibility to seek services throughout Michigan as well as national coverage.	Combines the cost savings of HMOs with the flexibility of a larger network of PPO providers throughout Michigan.
PCP	Members must choose a primary care physician.	Members are not required to choose a primary care physician.	Members are not required to choose a primary care physician.
Referrals for specialists required by HAP*	No*	No*	No*
Out-of-network coverage	Out-of-network care is not covered unless emergency.	Yes	Out-of-network care is not covered unless emergency.
Out-of-network emergency care	All HAP members have worldwide emergency and urgent care coverage, as well as access to 24/7 telehealth services.
Student coverage away from home (All plans always covered for urgent or emergency care, including mental health services.)	Yes To obtain authorization for treatment or services, the student should contact a HAP Students Away coordinator by calling (248) 557-6271 (TTY:711) or email us at StudentAway@hap.org. For behavioral health concerns, such as depression or anxiety, call (800) 444-5755. hap.org/studentsaway	Yes	Yes To obtain authorization for treatment or services, the student should contact a HAP Students Away coordinator by calling (248) 557-6271 (TTY:711) or email us at StudentAway@hap.org. For behavioral health concerns, such as depression or anxiety, call (800) 444-5755. hap.org/studentsaway
Prescription drug coverage	Yes	Yes	Yes
Preventive care programs	Yes	Yes	Yes

*Some services require prior authorization.

HSA & FSA Benefits

A qualified high-deductible health plan (QDHP) paired with a health savings account (HSA) is a tax-free way to save money on certain out-of-pocket health care costs. The money in an HSA can be used to pay for out-of-pocket costs such as coinsurance, deductibles and copays. This can include costs for medical, prescription drug, dental and vision services and more.