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)
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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).

These plans have copay coverage for Tier 1 and Tier 2 drugs in the coverage gap (donut hole).

Initial coverage limit (combined drug costs paid by you and the plan): $4,130‡

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
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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

Initial coverage limit (combined drug costs paid by you and the plan): $4,1307

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

Initial coverage limit (combined drug costs paid by you and the plan): $4,1307

Initial coverage limit (combined drug costs paid by you and the plan): $4,1307

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.

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