Plan options for small businesses
HAP has flexible, affordable plans to meet your company’s needs.
Networks
HAP has three pre-existing networks available that can save your employees money on their premiums while giving them access to quality healthcare close to home.
HMO Networks
Our HMO networks are designed to provide comprehensive, affordable care throughout Michigan, giving your employees flexibility and peace of mind. With a strong local presence and growing reach, this network empowers teams to easily manage their health.
- By 2027, our HMO network will cover the entire lower peninsula and expand into the upper peninsula
- Flexible options for employees to change primary care physicians as often as needed
- No referrals required to see specialists
- Comprehensive chronic condition health management
Commercial HMO Network
7 new counties added to our HMO network in July 2025
HMO networks for Medicare Advantage
90% of Michigan providers are in HAP’s Medicare Advantage service area
PPO Networks
Commercial PPO Network
HAP’s commercial PPO network offers the ultimate flexibility for employees who need care options beyond Michigan. Combining a robust statewide network with nationwide access through Aetna, this option ensures continuous, high-quality coverage no matter where business — or life — takes them.
- Statewide coverage in Michigan through HAP’s PPO network
- Nationwide access via the Aetna® PPO network outside Michigan
- Emergency and urgent care services covered worldwide
96% of Michigan providers are in-network
1.4 million providers in Aetna’s national PPO network
PPO networks for Medicare Advantage
Our Medicare Advantage Passive PPO network gives Medicare-eligible employees unmatched freedom to choose their own providers value.
With HAP’s PPO network for Medicare Advantage, members can:
- Choose their own care in Michigan or from any participating Medicare provider nationwide
- Receive national coverage, including pharmacy
- Use emergency and urgent care services worldwide
Get the benefits of consistent cost sharing, whether in or out of Michigan
Employees have the flexibility to choose their own provider
