Select your county to find a HAP Medicare Advantage plan in your neighborhood:
Here, with a health plan for your unique needs
Compare our Medicare Advantage options – starting at $0/month.*
| HAP Choice Medicare – West Michigan (HMO) | HAP Choice Medicare – West Michigan (HMO) | |
|---|---|---|
| Option 1 (Plan 026) | Option 2 (Plan 027) | |
| Hide | Hide | |
| Monthly premium | $0 | $30 |
| Annual medical deductible | $0/year | $0/year |
| Maximum out-of-pocket | $4,800 for services from in-network providers | $3,900 for services from in-network providers |
| Primary doctor/speciality visits (PCP needed for speciality) |
$0/$40 | $0/$30 |
| Hospital | $235 per day (days 1-7) Unlimited days |
$210 per day (days 1-7) Unlimited days |
| Emergency (ER)/urgent care (UC) | $90†/$65 | $90†/$65 |
| Physical/occupational/ speech therapy visits |
$0/$200 | $0/$180 |
| Labs/outpatient hospital | $250 | $150 |
| Over-the-counter medication | $75 allowance / quarter | $100 allowance / quarter |
| Prescription drug deductible | $0/year | $0/year |
| Prescription copays 30-day supply* | Preferred / non-preferred pharmacy network | Preferred / non-preferred pharmacy network |
| Tier 1 – preferred generics | $0/$6 | $0/$6 |
| Tier 2 – generics | $10/$15 | $10/$15 |
| Tier 3 – preferred brand | $42/$47 | $42/$47 |
| Tier 4 – non-preferred drugs | 48%/50% | 48%/50% |
| Tier 5 – specialty tier | 33%/33% | 33%/33% |
| Tier 6 – preventive vaccines | $0 | $0 |
| Preferred mail order – 90-day supply | $0 copay T1 & T2 | $0 copay T1 & T2 |
|
These plans have copay coverage for Tier 1 and Tier 2 drugs in the coverage gap (donut hole). |
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Initial coverage limit (combined drug costs paid by you and the plan): $4,130‡ |
All HAP Medicare Advantage plans include:
$0 vision: A routine eye exam and an annual eyewear allowance of $125 or more
$0 dental: Two exams, two cleanings and a set of bitewing X-rays every year
$0 hearing: A routine hearing exam and a fitting/evaluation exam for hearing aids through a NationsHearing provider
Up to $400/year allowance for over-the-counter items and medications
Free prescription home delivery
$0 fitness options including gyms, studios, online classes as well as at-home FitKits
HMO plans include snowbird coverage. Benefits extend to AZ, FL, TX and MI (out-of-area) for up to six months (select HMO plan only).
For all options, you must continue to pay your Medicare Part B premium. Your plan premium may be reduced if you qualify for extra financial assistance. All drugs on our drug list are covered at the HAP-negotiated price. You pay the lower of your copay or the actual cost of a covered drug.
This chart does not include full plan details and disclaimers. Complete plan details for our Medicare plans can be found in the Summary of Benefits, Evidence of Coverage documents and our privacy practices.
* A 90-day supply at mail order is $0 for T1 & T2; 90-day supply for T3 & T4 is 2.5 times the 30-day copay; a 90-day supply is not available for Tier 5.
† Copayment is waived if admitted to hospital.
‡ Excludes monthly premiums and costs of noncovered drugs, including costs of drugs purchased outside the U.S. All drugs on our Formulary (drug list) are covered at the HAP-negotiated price. You pay the lower of your copay or the actual cost of a covered drug.
For more information on Medicare Supplement Plans, please click here.
Here, with a health plan for your unique needs
Compare our Medicare Advantage options – starting at $0/month.*
| HAP Senior Plus (HMO) (Plan 015) |
HAP Senior Plus Medical Only (HMO) (Plan 019) |
HAP Senior Plus (PPO) (Plan 011) |
|
|---|---|---|---|
| 37 counties + out-state travel | 30 counties + out-state travel | 30 counties + out-state travel | |
| Hide | Hide | Hide | |
| Monthly premium1 | $0 | $08 | $0 |
| Annual medical deductible2 | $0 | $0 | $100 out-of-network |
| Maximum out-of-pocket | $5,000 | $4,000 | $6,000 in-network; $7,000 in- and out-of-network combined5 |
| Primary doctor/speciality visits | $0/$40 | $0/$20 | $0/$50 in-network; 30% out-of-network6 |
| Inpatient hospital | $295 per day (days 1-6) Unlimited days |
$200 per day (days 1-7) Unlimited days |
$295 per day (days 1-6); 30% per day out-of-network6 Unlimited days |
| Emergency (ER)4/urgent care (UC) | $90/$65 | $90/$65 | $90/$65 |
| Out-of-network (OON) | N/A | N/A | 30%5 |
| Labs/outpatient hospital (referral needed) |
$0/$260 | $0/$200 | $0/$260 in-network; 30% out-of-network6 |
| Physical/occupational/ speech therapy visits |
$30 | $0 | $30 in-network 30% out-of-network6 |
| Over-the-counter medications | $75 allowance / quarter | $75 allowance / quarter | $45 allowance / quarter |
| Prescription drug deductible | $0 | N/A | $0 |
| Prescription copays 30-day supply3 | Preferred / non-preferred pharmacy network | Not covered | Preferred / non-preferred pharmacy network |
| Tier 1 – preferred generics | $0/$6 | Not covered | $0/$7 |
| Tier 2 – generics | $10/$15 | Not covered | $10/$15 |
| Tier 3 – preferred brand | $42/$47 | Not covered | $42/$47 |
| Tier 4 – non-preferred drugs | 48%/50% | Not covered | 48%/50% |
| Tier 5 – specialty tier | 33%/33% | Not covered | 33%/33% |
| Tier 6 – select care drugs (most preventive vaccines) | $0 | Not covered | $0 |
| Preferred mail order – 90-day supply | $0 copay T1 & T2 | Not covered | $0 copay T1 & T2 |
|
Initial coverage limit (combined drug costs paid by you and the plan): $4,1307 |
All HAP Medicare Advantage plans include:
$0 vision: A routine eye exam and an annual eyewear allowance of $125 or more
$0 dental: Two exams, two cleanings and a set of bitewing X-rays every year
$0 hearing: A routine hearing exam and a fitting/evaluation exam for hearing aids through a NationsHearing provider
Up to $400/year allowance for over-the-counter items and medications
Free prescription home delivery
$0 fitness options including gyms, studios, online classes as well as at-home FitKits
HMO plans include snowbird coverage. Benefits extend to AZ, FL, TX and MI (out-of-area) for up to six months (select HMO plan only).
PPO plans include an out-of-state travel benefit. Pay in-network prices at participating Medicare providers in 49 states (new for 2021).**
This chart does not include full plan details and disclaimers. Complete plan details for our Medicare plans can be found in the Summary of Benefits, Evidence of Coverage documents and our privacy practices.
1 In addition to your Medicare Part B premium and any late enrollment penalty you may owe. See the Evidence of Coverage for more details.
2 Medical deductibles do not apply to all services. Refer to our detailed materials for more information.
3 A 90-day supply through mail order for Tier 1 and Tier 2 drugs through a preferred pharmacy at $0 copay. Tier 3 and Tier 4 90-day supply is available for 2.5 times the 30-day cost.
4 Copayment is waived if admitted to hospital.
5 Out-of-network cost applies to maximum out-of-pocket.
6 Out-of-network (OON) benefits of PPO plans have up to 30% coinsurance in all services other than: Emergency Care, Urgent Care, Peripheral Vascular Disease Ultrasounds, Pacemaker Testing, Assist America, Fitness Benefit through Peerfit, and Telehealth Services.
7 Excludes monthly premiums, cost of noncovered drugs and cost of covered drugs purchased outside the U.S.. All drugs on our Formulary (drug list) are covered at the HAP-negotiated price. You pay the lower of your copay or the actual cost of a covered drug.
8 Plus, $600/year savings toward your Part B premium, which means your Part B premium deduction from your Social Security check will be reduced by $50 each month.
* For all options, you must continue to pay your Medicare Part B premium. Your plan premium may be reduced if you qualify for extra financial assistance. All drugs on our Formulary (drug list) are covered at the HAP-negotiated price. You pay the lower of your copay or the actual cost of a covered drug.
For more information on Medicare Supplement Plans, please click here.
Here, with a health plan for your unique needs
Medicare Advantage for $0/month.*
| HAP Senior Plus (HMO) (Plan 015) |
|||
|---|---|---|---|
| 37 counties + out-state travel | |||
| Monthly premium1 | $0 | ||
| Annual medical deductible2 | $0 | ||
| Maximum out-of-pocket | $5,000 | ||
| Primary doctor/speciality visits | $0/$40 | ||
| Inpatient hospital | $295 per day (days 1-6) Unlimited days |
||
| Emergency (ER)4/urgent care (UC) | $90/$65 | ||
| Out-of-network (OON) | N/A | ||
| Labs/outpatient hospital (referral needed) |
$0/$260 | ||
| Physical/occupational/ speech therapy visits |
$30 | ||
| Over-the-counter medications | $75 allowance/quarter | ||
| Prescription drug deductible | $0 | ||
| Prescription copays3 | Preferred / non-preferred pharmacy network | ||
| Tier 1 – preferred generics | $0/$6 | ||
| Tier 2 – generics | $10/$15 | ||
| Tier 3 – preferred brand | $42/$47 | ||
| Tier 4 – non-preferred drugs | 48%/50% | ||
| Tier 5 – specialty tier | 33%/33% | ||
| Tier 6 | $0 | ||
| Preferred mail order – 90-day supply | $0 copay T1 & T2 | ||
|
Initial coverage limit (combined drug costs paid by you and the plan): $4,1305 |
All HAP Medicare Advantage plans include:
$0 vision: A routine eye exam and an annual eyewear allowance of $125 or more
$0 dental: Two exams, two cleanings and a set of bitewing X-rays every year
$0 hearing: A routine hearing exam and a fitting/evaluation exam for hearing aids through a NationsHearing provider
Up to $400/year allowance for over-the-counter items and medications
Free prescription home delivery
$0 fitness options including gyms, studios, online classes as well as at-home FitKits
HMO plans include snowbird coverage. Benefits extend to AZ, FL, TX and MI (out-of-area) for up to six months (select HMO plan only).
PPO plans include an out-of-state travel benefit. Pay in-network prices at participating Medicare providers in 49 states (new for 2021).**
This chart does not include full plan details and disclaimers. Complete plan details for our Medicare plans can be found in the Summary of Benefits, Evidence of Coverage documents and our privacy practices.
1 In addition to your Medicare Part B premium and any late enrollment penalty you may owe. See the Evidence of Coverage for more details.
2 Medical deductibles do not apply to all services. Refer to our detailed materials for more information.
3 A 90-day supply through mail order for Tier 1 and Tier 2 drugs through a preferred pharmacy at $0 copay. Tier 3 and Tier 4 90-day supply is available for 2.5 times the 30-day cost.
4 Copayment is waived if admitted to hospital.
5 Plus, $600/year savings toward your Part B premium, which means your Part B premium deduction from your Social Security check will be reduced by $50 each month.
* For all options, you must continue to pay your Medicare Part B premium. Your plan premium may be reduced if you qualify for extra financial assistance. All drugs on our Formulary (drug list) are covered at the HAP-negotiated price. You pay the lower of your copay or the actual cost of a covered drug.
For more information on Medicare Supplement Plans, please click here.
Here, with a health plan for your unique needs
Compare our Medicare Advantage options – starting at $0/month.*
| HAP Senior Plus (HMO) (Plan 015) |
HAP Senior Plus Medical Only (HMO) (Plan 019) |
HAP Senior Plus (PPO) (Plan 011) |
HAP Empowered Duals (HMO SNP) (Plan 025)9 |
|
|---|---|---|---|---|
| 37 counties + out-state travel | 30 counties + out-state travel | 30 counties + out-state travel | 4 counties | |
| Hide | Hide | Hide | Hide | |
| Monthly premium1 | $0 | $08 | $0 | $0 |
| Annual medical deductible2 | $0 | $0 | $100 out-of-network | $0 |
| Maximum out-of-pocket | $5,000 | $4,000 | $6,000 in-network; $7,000 in- and out-of-network combined5 |
$0 |
| Primary doctor/speciality visits | $0/$40 | $0/$20 | $0/$50 in-network; 30% out-of-network6 |
$0 |
| Inpatient hospital | $295 per day (days 1-6) Unlimited days |
$200 per day (days 1-7) Unlimited days |
$295 per day (days 1-6); 30% per day out-of-network6 Unlimited days |
$0 |
| Emergency (ER)4/urgent care (UC) | $90/$65 | $90/$65 | $90/$65 | $0 |
| Out-of-network (OON) | N/A | N/A | 30%5 | N/A |
| Labs/outpatient hospital (referral needed) |
$0/$260 | $0/$200 | $0/$260 in-network; 30% out-of-network6 |
$0 |
| Physical/occupational/ speech therapy visits |
$30 | $0 | $30 in-network 30% out-of-network6 |
$0 |
| Over-the-counter medications | $75 allowance / quarter | $75 allowance / quarter | $45 allowance / quarter | $75 allowance / quarter |
| Prescription drug deductible | $0 | N/A | $0 | $0 |
| Prescription copays 30-day supply3 | Preferred / non-preferred pharmacy network | Not covered | Preferred / non-preferred pharmacy network | Preferred / non-preferred pharmacy network |
| Tier 1 – preferred generics | $0/$6 | Not covered | $0/$7 | $0 - $9.2010 |
| Tier 2 – generics | $10/$15 | Not covered | $10/$15 | $0 - $9.2010 |
| Tier 3 – preferred brand | $42/$47 | Not covered | $42/$47 | $0 - $9.2010 |
| Tier 4 – non-preferred drugs | 48%/50% | Not covered | 48%/50% | $0 - $9.2010 |
| Tier 5 – specialty tier | 33%/33% | Not covered | 33%/33% | $0 - $9.2010 |
| Tier 6 – select care drugs (most preventive vaccines) | $0 | Not covered | $0 | $0 |
| Preferred mail order – 90-day supply | $0 copay T1 & T2 | Not covered | $0 copay T1 & T2 | N/A |
|
Initial coverage limit (combined drug costs paid by you and the plan): $4,1307 |
All HAP Medicare Advantage plans include:
$0 vision: A routine eye exam and an annual eyewear allowance of $125 or more
$0 dental: Two exams, two cleanings and a set of bitewing X-rays every year
$0 hearing: A routine hearing exam and a fitting/evaluation exam for hearing aids through a NationsHearing provider
Up to $400/year allowance for over-the-counter items and medications
Free prescription home delivery
$0 fitness options including gyms, studios, online classes as well as at-home FitKits
HMO plans include snowbird coverage. Benefits extend to AZ, FL, TX and MI (out-of-area) for up to six months (select HMO plan only).
PPO plans include an out-of-state travel benefit. Pay in-network prices at participating Medicare providers in 49 states (new for 2021).**
This chart does not include full plan details and disclaimers. Complete plan details for our Medicare plans can be found in the Summary of Benefits, Evidence of Coverage documents and our privacy practices.
1 In addition to your Medicare Part B premium and any late enrollment penalty you may owe. See the Evidence of Coverage for more details.
2 Medical deductibles do not apply to all services. Refer to our detailed materials for more information.
3 A 90-day supply through mail order for Tier 1 and Tier 2 drugs through a preferred pharmacy at $0 copay. Tier 3 and Tier 4 90-day supply is available for 2.5 times the 30-day cost.
4 Copayment is waived if admitted to hospital.
5 Out-of-network cost applies to maximum out-of-pocket.
6 Out-of-network (OON) benefits of PPO plans have up to 30% coinsurance in all services other than: Emergency Care, Urgent Care, Peripheral Vascular Disease Ultrasounds, Pacemaker Testing, Assist America, Fitness Benefit through Peerfit, and Telehealth Services.
7 Excludes monthly premiums, cost of noncovered drugs and cost of covered drugs purchased outside the U.S.. All drugs on our Formulary (drug list) are covered at the HAP-negotiated price. You pay the lower of your copay or the actual cost of a covered drug.
8 Plus, $600/year savings toward your Part B premium, which means your Part B premium deduction from your Social Security check will be reduced by $50 each month.
9 To be eligible for HAP Empowered Duals you must have Medicare and Full Medicaid. Because you get assistance from Medicaid with your Medicare Part A and B cost sharing (deductibles, copayments, and coinsurance) you may pay nothing for your Medicare health care services. Medicaid also provides other benefits to you by covering health care services and prescription drugs that are not usually covered under Medicare. You will also receive “Extra Help” from Medicare to pay for the costs of your Medicare prescription drugs.
10 Depending on your level of LIS coverage.
* For all options, you must continue to pay your Medicare Part B premium. Your plan premium may be reduced if you qualify for extra financial assistance. All drugs on our Formulary (drug list) are covered at the HAP-negotiated price. You pay the lower of your copay or the actual cost of a covered drug.
For more information on Medicare Supplement Plans, please click here.
