Partnering with HAP
You’re more than an account number – you’re our partner. We offer personalized service, including:
Dedicated account representatives: When you have a question, you don’t have to call a 1-800 number and talk to a random person. You’ll have the name and number of a dedicated health plan professional who knows your business and can address its unique needs.
Personal service coordinators: Your employees can access a dedicated personal service coordinator for their first two years of membership. This specialist will be available to answer questions and help them get the most out their health plan.
Discover a variety of health insurance options
We offer health plans to meet your employees’ needs, no matter their stage of life. You’ll find various copay, coinsurance and deductible options, along with fully insured, shared and self-funding options.
HAP HMO, PPO and EPO plans
|
HMO |
PPO |
EPO |
| Primary care physician required? |
Yes |
|
|
| Referrals required? |
Yes
On select services |
– |
– |
| Emergency and urgent care coverage |
Yes
Covered worldwide |
Yes
Covered worldwide |
Yes
Covered worldwide |
| Out of network coverage |
– |
Yes |
– |
| HMO Choice Plans available? |
Yes* |
|
|
| Consumer driven health plans available? |
Yes |
Yes |
Yes |
*There are HMO and HMO-HSA Choice plans available to businesses in Genesee, Wayne, Oakland and Macomb counties. Henry Ford Choice excludes these ZIP codes in Oakland County: 48346, 48348, 48350, 48353, 48356, 48357, 8359, 48360, 48362, 48367, 48370, 48371, 48428, 48430, 48439, 48442, 48455 and 48462. Choice plans are only for small group.
Consumer driven health plans
|
HSA
(Health Savings Account) |
HRA
(Health Reimbursement Account) |
FSA
(Flexible Spending Account)
|
| Overview |
Tax exempt account created to pay for the qualified medical expenses of the employee and their covered dependents |
An employer-funded account used to reimburse employees for qualified medical expenses |
An employer-established, tax-advantaged account funded by the employee to pay for qualified medical expenses with pre-tax dollars |
| Business size minimum |
2 employees |
1 employee |
1 employee |
| Who opens the account? |
Employee or employer |
Employer |
Employer |
| Covered expenses |
All qualified medical expenses* |
Defined by employer |
All qualified medical expenses* |
| Who can contribute |
Employee or employer or any third party |
Employer |
Employee |
| Pretax contributions |
Yes |
Yes |
Yes |
|
Maximum contributions**
(2017)
|
$3,350 Single
$6,650 Family
|
Defined by employer |
Defined by employer |
Maximum contributions**
(2018) |
$3,450 Single
$6,900 Family |
Defined by employer |
Defined by employer |
| Rollover of unused balance |
Yes |
Yes
Defined by employer |
No, funds revert to the employer |
| Tax advantages |
Yes
- Tax-free contributions
- Interest earned and investments are tax-free
- Withdrawals used for qualified medical expenses are tax-free
|
Yes
Employers can deposit pre-tax dollars |
Yes
Employee contributions made through pre-tax payroll deductions |
| Portability |
Yes
Fully portable |
Yes
Defined by employer |
Not portable |
| Account can be used for retirement income |
Yes*** |
– |
– |
*All qualified medical expenses as defined in Section 213(d) of the Internal Revenue Code.
**Limits are subject to change due to IRS rules.
***After age 65, employees may withdraw funds for any reason with no penalty. Although if not used for qualified medical expenses, withdrawals will be taxed as income.
Employee perks and benefits
Your employees will benefit from a personalized experience, with benefits, programs and services that include:
Employer resources
We make it easy to manage your health insurance and guide your employees along the way. Explore our dedicated employer resources.
