Business Details
50+ Years
experience
Emergency
services
Trusted Health Insurance Plans in Michigan
HAP is a Michigan-based, nonprofit health plan committed to providing accessible, high-quality health coverage to individuals, families, and businesses. With over 60 years of experience, we partner with doctors, employers, and community organizations to enhance the health and well-being of our members. Our team of more than 1,100 dedicated professionals prioritizes quality, accredited healthcare, award-winning customer service, and an extensive provider network spanning 24 Michigan counties. We emphasize preventive care, disease management, and innovative tools like our Health Care Cost Estimator to empower informed decisions.Our telehealth services offer 24/7 access to medical professionals, while integrated care coverage ensures seamless coordination with major hospitals, including Henry Ford Health System. We maintain fiscal responsibility by allocating 90% of premium revenue directly to healthcare services. Our community-focused approach includes wellness programs, member discounts, and partnerships that extend beyond traditional insurance benefits.
Services
Medicare Advantage
Medicaid Plans
Individual & Family Insurance
Employer-Sponsored Coverage
Medicare Supplement
Details
- Year established: 1956
Highlights and features
- We offer quality, accredited healthcare recognized annually since 1993 by NCQA.
- Our members receive personalized support from award-winning customer service teams.
- We provide access to an extensive network of over 96% of Michigan doctors.
- Our preventive care programs and telehealth services ensure 24/7 medical access.
- We maintain fiscal responsibility by dedicating 90% of premiums to healthcare services.
Associations and certifications
- National Committee for Quality Assurance
Services
Medicare Advantage
Our Medicare Advantage plans combine hospital, medical, and prescription coverage with additional benefits like dental, vision, and wellness programs. Members enjoy integrated care coordination and access to telehealth services 24/7. These plans are designed to provide comprehensive, cost-effective options for Michigan residents aged 65 and older.
Medicaid Plans
HAP Medicaid plans offer essential healthcare coverage for eligible individuals and families with limited income. Services include preventive care, chronic disease management, behavioral health support, and access to a statewide provider network. We focus on removing barriers to care through community partnerships and personalized member services.
Individual & Family Insurance
Our individual and family plans provide flexible options for those not covered by employer insurance. Benefits include preventive screenings, prescription coverage, and access to thousands of in-network providers. Members receive cost-saving tools and 24/7 telehealth access to manage health needs affordably and conveniently.
Employer-Sponsored Coverage
HAP offers tailored health insurance solutions for businesses of all sizes, including HMO, PPO, and EPO options. Employers benefit from competitive pricing, dedicated account representatives, and wellness programs that promote employee health while controlling costs through integrated care management and network efficiency.
Medicare Supplement
These plans help cover out-of-pocket costs for Original Medicare beneficiaries, including deductibles, copayments, and coinsurance. Available options provide varying levels of coverage to meet diverse needs, ensuring members can access nationwide providers while maintaining predictable healthcare expenses.
Questions
What types of health insurance plans does HAP offer?
HAP provides Medicare Advantage, Medicaid, individual/family, employer-sponsored, and Medicare Supplement plans with varying coverage options across Michigan.
How can I find in-network doctors with HAP?
Use our online 'Find a Doctor' tool to search thousands of providers in Michigan, compare options, and access personalized results after logging into your member account.
Does HAP cover telehealth services?
Yes, all HAP members have 24/7 access to telehealth consultations for common medical issues through our partnership with board-certified healthcare professionals.
What wellness programs are available to HAP members?
We offer preventive screenings, chronic disease management programs, fitness discounts, identity theft protection, and community events like the HAP 5K Challenge.
How does HAP handle out-of-state medical care?
Our PPO plans provide nationwide provider access, while all members receive emergency/urgent care coverage globally, including telehealth services for travelers.
What financial assistance options exist for HAP members?
We offer cost-saving tools, prescription coverage options, and eligibility for federal assistance programs to help members manage healthcare expenses effectively.
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