Get Hap Hmo Enrollment Application

You may have lower out-of-pocket costs from the PPO provider than you would out-of-network. However, PPOs differ from HMOs and EPOs by allowing you benefits for out-of-network care when you want, but possibly at a reduced level of coverage and benefits.

HAP is proud that the Centers for Medicare and Medicaid Services has awarded us 4.5 out of 5 stars on our HMO plans, for the third year in a row. And 4 out of 5 stars for our PPO plans.

HMO plans typically have lower monthly premiums. You can also expect to pay less out of pocket. PPOs tend to have higher monthly premiums in exchange for the flexibility to use providers both in and out of network without a referral. Out-of-pocket medical costs can also run higher with a PPO plan.

HAP Empowered MI Health Link helps people eligible for both Medicare and Medicaid. It brings together your services into one plan, one card and one care coordinator. You'll enjoy single plan coverage for: Medical care.

Hospital Accident Plan (HAP) Insurance.

Hospital Accident Plan (HAP)

With HAP Medicare PPO, you'll have access to HAP's network of doctors in Michigan, and you can seek care anywhere in the U.S. outside of Michigan. Our PPO plan is accepted in 49 states**.

HAP is a subsidiary of Henry Ford Health System one of the nation's leading health care systems. HAP provides coverage to individuals, companies and organizations.

A PPO plan can be a better choice compared with an HMO if you need flexibility in which health care providers you see. More flexibility to use providers both in-network and out-of-network. You can usually visit specialists without a referral, including out-of-network specialists.

Hospital Accident Plan (HAP)

HMO plans typically have lower monthly premiums. You can also expect to pay less out of pocket. PPOs tend to have higher monthly premiums in exchange for the flexibility to use providers both in and out of network without a referral. Out-of-pocket medical costs can also run higher with a PPO plan.

Types of Health Insurance Plans: HMO, PPO, HSA, Fee for Service, POS.