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The information below will allow us to provide you a quote and can even let you know if you may be eligible for lower cost.

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To check if you are eligible for a lower cost:
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Help me choose a 2015 plan

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Out-of-pocket Cost Calculator

Find Your Total Costs

Figuring out which 2015 insurance plan will work best with your budget and your expected health care can be hard.

Use HAP's "Find Total Cost" tool to help you make an informed decision. The calculation is based on the estimated medical services you may require throughout the year.

This tool will give you a rough idea of what your total cost of health care will be on any 2015 plan over the course of a year. It isn't exact, there are estimates for things like surgeries and prescriptions, but it will give you a better idea of what to expect with each health plan.

Let's get started.

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Please select at least 2 plans to compare.

HMO
  • 2015
    HMO
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $500 / $1,000
    Office Visit: $10 copay
    quick look Apply

    HAP Personal Alliance 500 HMO

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $500 / $1,000
    Coinsurance: 20%
    Prescription Costs: $5/$30/50%/50%
    Out-of-pocket Limit: $1,500 / $3,000
    Out-of-pocket Limit - Family: $ $3,000
    Primary Doctor Visit: $ 10 copay
    Specialist Visit: $ 30 copay
    Urgent Care Centers: $ 65 copay
  • 2015
    HMO
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $500 / $1,000
    Office Visit: $10 copay
    quick look Apply

    HAP Personal Alliance 500 HMO

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $500 / $1,000
    Coinsurance: 20%
    Prescription Costs: $5/$30/50%/50%
    Out-of-pocket Limit: $1,500 / $3,000
    Out-of-pocket Limit - Family: $ $3,000
    Primary Doctor Visit: $ 10 copay
    Specialist Visit: $ 30 copay
    Urgent Care Centers: $ 65 copay
  • 2015
    HMO
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $1,500 / $3,000
    Office Visit: $15 copay
    quick look Apply

    HAP Personal Alliance 1500 HMO

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $1,500 / $3,000
    Coinsurance: 20%
    Prescription Costs: $15/$60/50%/50%
    Out-of-pocket Limit: $3,500 / $7,000
    Out-of-pocket Limit - Family: $ $7,000
    Primary Doctor Visit: $ 15 copay
    Specialist Visit: $ 30 copay
    Urgent Care Centers: $ 65 copay
  • 2015
    HMO
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $1,500 / $3,000
    Office Visit: $15 copay
    quick look Apply

    HAP Personal Alliance 1500 HMO

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $1,500 / $3,000
    Coinsurance: 20%
    Prescription Costs: $15/$60/50%/50%
    Out-of-pocket Limit: $3,500 / $7,000
    Out-of-pocket Limit - Family: $ $7,000
    Primary Doctor Visit: $ 15 copay
    Specialist Visit: $ 30 copay
    Urgent Care Centers: $ 65 copay
  • 2015
    HMO
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,500 / $5,000
    Office Visit: $30 copay
    quick look Apply

    HAP Personal Alliance 2500 HMO

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,500 / $5,000
    Coinsurance: 20%
    Prescription Costs: $15/$60/50%/50%
    Out-of-pocket Limit: $6,350 / $12,700
    Out-of-pocket Limit - Family: $ $12,700
    Primary Doctor Visit: $ 30 copay
    Specialist Visit: $ 50 copay
    Urgent Care Centers: $ 65 copay
  • 2015
    HMO
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,500 / $5,000
    Office Visit: $30 copay
    quick look Apply

    HAP Personal Alliance 2500 HMO

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,500 / $5,000
    Coinsurance: 20%
    Prescription Costs: $15/$60/50%/50%
    Out-of-pocket Limit: $6,350 / $12,700
    Out-of-pocket Limit - Family: $ $12,700
    Primary Doctor Visit: $ 30 copay
    Specialist Visit: $ 50 copay
    Urgent Care Centers: $ 65 copay
  • 2015
    HMO
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $3,000 / $6,000
    Office Visit: $30 copay
    quick look Apply

    HAP Personal Alliance 3000 HMO

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $3,000 / $6,000
    Coinsurance: 20%
    Prescription Costs: $15/$60/50%/50%
    Out-of-pocket Limit: $6,000 / $12,000
    Out-of-pocket Limit - Family: $ $12,000
    Primary Doctor Visit: $ 30 copay
    Specialist Visit: $ 50 copay
    Urgent Care Centers: $ 65 copay
  • 2015
    HMO
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $3,000 / $6,000
    Office Visit: $30 copay
    quick look Apply

    HAP Personal Alliance 3000 HMO

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $3,000 / $6,000
    Coinsurance: 20%
    Prescription Costs: $15/$60/50%/50%
    Out-of-pocket Limit: $6,000 / $12,000
    Out-of-pocket Limit - Family: $ $12,000
    Primary Doctor Visit: $ 30 copay
    Specialist Visit: $ 50 copay
    Urgent Care Centers: $ 65 copay
  • 2015
    HMO
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Office Visit: $40 copay
    quick look Apply

    HAP Personal Alliance 5000 HMO

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Coinsurance: 20%
    Prescription Costs: $25/$125/50%/50%
    Out-of-pocket Limit: $6,350 / $12,700
    Out-of-pocket Limit - Family: $ $12,700
    Primary Doctor Visit: $ 40 copay
    Specialist Visit: $ 60 copay
    Urgent Care Centers: $ 65 copay
  • 2015
    HMO
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Office Visit: $40 copay
    quick look Apply

    HAP Personal Alliance 5000 HMO

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Coinsurance: 20%
    Prescription Costs: $25/$125/50%/50%
    Out-of-pocket Limit: $6,350 / $12,700
    Out-of-pocket Limit - Family: $ $12,700
    Primary Doctor Visit: $ 40 copay
    Specialist Visit: $ 60 copay
    Urgent Care Centers: $ 65 copay
  • 2015
    HMO
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $6,600 / $13,200
    Office Visit: Limit of 3 PCP then covered after deductible
    quick look Apply

    HAP Personal Alliance 6600 HMO

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $6,600 / $13,200
    Coinsurance: 0%
    Prescription Costs: Covered after deductible
    Out-of-pocket Limit: $6,600 / $13,200
    Out-of-pocket Limit - Family: $ $13,200
    Primary Doctor Visit: Limit of 3 PCP then covered after deductible
    Specialist Visit: Covered after deductible
    Urgent Care Centers: Covered after deductible
  • 2015
    HMO
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $6,600 / $13,200
    Office Visit: Limit of 3 PCP then covered after deductible
    quick look Apply

    HAP Personal Alliance 6600 HMO

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $6,600 / $13,200
    Coinsurance: 0%
    Prescription Costs: Covered after deductible
    Out-of-pocket Limit: $6,600 / $13,200
    Out-of-pocket Limit - Family: $ $13,200
    Primary Doctor Visit: Limit of 3 PCP then covered after deductible
    Specialist Visit: Covered after deductible
    Urgent Care Centers: Covered after deductible
HMO Choice
  • PA 500 Choice
    Henry Ford Choice
    2015
    HMO
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $500 / $1,000
    Office Visit: $10 copay
    quick look Apply

    HAP Personal Alliance 500 HMO Henry Ford Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $500 / $1,000
    Coinsurance: 20%
    Prescription Costs: $5/$30/50%/50%
    Out-of-pocket Limit: $1,500 / $3,000
    Out-of-pocket Limit - Family: $ $3,000
    Primary Doctor Visit: $ 10 copay
    Specialist Visit: $ 30 copay
    Urgent Care Centers: $ 65 copay
  • PA 500 Choice
    Genesys Choice
    2015
    HMO
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $500 / $1,000
    Office Visit: $10 copay
    quick look Apply

    HAP Personal Alliance 500 HMO Genesys Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $500 / $1,000
    Coinsurance: 20%
    Prescription Costs: $5/$30/50%/50%
    Out-of-pocket Limit: $1,500 / $3,000
    Out-of-pocket Limit - Family: $ $3,000
    Primary Doctor Visit: $ 10 copay
    Specialist Visit: $ 30 copay
    Urgent Care Centers: $ 65 copay
  • PA 500 Choice
    Henry Ford Choice
    2015
    HMO
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $500 / $1,000
    Office Visit: $10 copay
    quick look Apply

    HAP Personal Alliance 500 HMO Henry Ford Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $500 / $1,000
    Coinsurance: 20%
    Prescription Costs: $5/$30/50%/50%
    Out-of-pocket Limit: $1,500 / $3,000
    Out-of-pocket Limit - Family: $ $3,000
    Primary Doctor Visit: $ 10 copay
    Specialist Visit: $ 30 copay
    Urgent Care Centers: $ 65 copay
  • PA 500 Choice
    Genesys Choice
    2015
    HMO
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $500 / $1,000
    Office Visit: $10 copay
    quick look Apply

    HAP Personal Alliance 500 HMO Genesys Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $500 / $1,000
    Coinsurance: 20%
    Prescription Costs: $5/$30/50%/50%
    Out-of-pocket Limit: $1,500 / $3,000
    Out-of-pocket Limit - Family: $ $3,000
    Primary Doctor Visit: $ 10 copay
    Specialist Visit: $ 30 copay
    Urgent Care Centers: $ 65 copay
  • PA 1500 Choice
    Henry Ford Choice
    2015
    HMO
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $1,500 / $3,000
    Office Visit: $15 copay
    quick look Apply

    HAP Personal Alliance 1500 HMO Henry Ford Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $1,500 / $3,000
    Coinsurance: 20%
    Prescription Costs: $15/$60/50%/50%
    Out-of-pocket Limit: $3,500 / $7,000
    Out-of-pocket Limit - Family: $ $7,000
    Primary Doctor Visit: $ 15 copay
    Specialist Visit: $ 30 copay
    Urgent Care Centers: $ 65 copay
  • PA 1500 Choice
    Genesys Choice
    2015
    HMO
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $1,500 / $3,000
    Office Visit: $15 copay
    quick look Apply

    HAP Personal Alliance 1500 HMO Genesys Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $1,500 / $3,000
    Coinsurance: 20%
    Prescription Costs: $15/$60/50%/50%
    Out-of-pocket Limit: $3,500 / $7,000
    Out-of-pocket Limit - Family: $ $7,000
    Primary Doctor Visit: $ 15 copay
    Specialist Visit: $ 30 copay
    Urgent Care Centers: $ 65 copay
  • PA 1500 Choice
    Henry Ford Choice
    2015
    HMO
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $1,500 / $3,000
    Office Visit: $15 copay
    quick look Apply

    HAP Personal Alliance 1500 HMO Henry Ford Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $1,500 / $3,000
    Coinsurance: 20%
    Prescription Costs: $15/$60/50%/50%
    Out-of-pocket Limit: $3,500 / $7,000
    Out-of-pocket Limit - Family: $ $7,000
    Primary Doctor Visit: $ 15 copay
    Specialist Visit: $ 30 copay
    Urgent Care Centers: $ 65 copay
  • PA 1500 Choice
    Genesys Choice
    2015
    HMO
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $1,500 / $3,000
    Office Visit: $15 copay
    quick look Apply

    HAP Personal Alliance 1500 HMO Genesys Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $1,500 / $3,000
    Coinsurance: 20%
    Prescription Costs: $15/$60/50%/50%
    Out-of-pocket Limit: $3,500 / $7,000
    Out-of-pocket Limit - Family: $ $7,000
    Primary Doctor Visit: $ 15 copay
    Specialist Visit: $ 30 copay
    Urgent Care Centers: $ 65 copay
  • PA 2500 Choice
    Henry Ford Choice
    2015
    HMO
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,500 / $5,000
    Office Visit: $30 copay
    quick look Apply

    HAP Personal Alliance 2500 HMO Henry Ford Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,500 / $5,000
    Coinsurance: 20%
    Prescription Costs: $15/$60/50%/50%
    Out-of-pocket Limit: $6,000 / $12,000
    Out-of-pocket Limit - Family: $ $12,000
    Primary Doctor Visit: $ 30 copay
    Specialist Visit: $ 50 copay
    Urgent Care Centers: $ 65 copay
  • PA 2500 Choice
    Genesys Choice
    2015
    HMO
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,500 / $5,000
    Office Visit: $30 copay
    quick look Apply

    HAP Personal Alliance 2500 HMO Genesys Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,500 / $5,000
    Coinsurance: 20%
    Prescription Costs: $15/$60/50%/50%
    Out-of-pocket Limit: $6,000 / $12,000
    Out-of-pocket Limit - Family: $ $12,000
    Primary Doctor Visit: $ 30 copay
    Specialist Visit: $ 50 copay
    Urgent Care Centers: $ 65 copay
  • PA 2500 Choice
    Henry Ford Choice
    2015
    HMO
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,500 / $5,000
    Office Visit: $30 copay
    quick look Apply

    HAP Personal Alliance 2500 HMO Henry Ford Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,500 / $5,000
    Coinsurance: 20%
    Prescription Costs: $15/$60/50%/50%
    Out-of-pocket Limit: $6,000 / $12,000
    Out-of-pocket Limit - Family: $ $12,000
    Primary Doctor Visit: $ 30 copay
    Specialist Visit: $ 50 copay
    Urgent Care Centers: $ 65 copay
  • PA 2500 Choice
    Genesys Choice
    2015
    HMO
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,500 / $5,000
    Office Visit: $30 copay
    quick look Apply

    HAP Personal Alliance 2500 HMO Genesys Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,500 / $5,000
    Coinsurance: 20%
    Prescription Costs: $15/$60/50%/50%
    Out-of-pocket Limit: $6,000 / $12,000
    Out-of-pocket Limit - Family: $ $12,000
    Primary Doctor Visit: $ 30 copay
    Specialist Visit: $ 50 copay
    Urgent Care Centers: $ 65 copay
  • PA 3000 Choice
    Henry Ford Choice
    2015
    HMO
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $3,000 / $6,000
    Office Visit: $30 copay
    quick look Apply

    HAP Personal Alliance 3000 HMO Henry Ford Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $3,000 / $6,000
    Coinsurance: 20%
    Prescription Costs: $15/$60/50%/50%
    Out-of-pocket Limit: $6,000 / $12,000
    Out-of-pocket Limit - Family: $ $12,000
    Primary Doctor Visit: $ 30 copay
    Specialist Visit: $ 50 copay
    Urgent Care Centers: $ 65 copay
  • PA 3000 Choice
    Genesys Choice
    2015
    HMO
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $3,000 / $6,000
    Office Visit: $30 copay
    quick look Apply

    HAP Personal Alliance 3000 HMO Genesys Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $3,000 / $6,000
    Coinsurance: 20%
    Prescription Costs: $15/$60/50%/50%
    Out-of-pocket Limit: $6,000 / $12,000
    Out-of-pocket Limit - Family: $ $12,000
    Primary Doctor Visit: $ 30 copay
    Specialist Visit: $ 50 copay
    Urgent Care Centers: $ 65 copay
  • PA 3000 Choice
    Henry Ford Choice
    2015
    HMO
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $3,000 / $6,000
    Office Visit: $30 copay
    quick look Apply

    HAP Personal Alliance 3000 HMO Henry Ford Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $3,000 / $6,000
    Coinsurance: 20%
    Prescription Costs: $15/$60/50%/50%
    Out-of-pocket Limit: $6,000 / $12,000
    Out-of-pocket Limit - Family: $ $12,000
    Primary Doctor Visit: $ 30 copay
    Specialist Visit: $ 50 copay
    Urgent Care Centers: $ 65 copay
  • PA 3000 Choice
    Genesys Choice
    2015
    HMO
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $3,000 / $6,000
    Office Visit: $30 copay
    quick look Apply

    HAP Personal Alliance 3000 HMO Genesys Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $3,000 / $6,000
    Coinsurance: 20%
    Prescription Costs: $15/$60/50%/50%
    Out-of-pocket Limit: $6,000 / $12,000
    Out-of-pocket Limit - Family: $ $12,000
    Primary Doctor Visit: $ 30 copay
    Specialist Visit: $ 50 copay
    Urgent Care Centers: $ 65 copay
  • PA 5000 Choice
    Henry Ford Choice
    2015
    HMO
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Office Visit: $40 copay
    quick look Apply

    HAP Personal Alliance 5000 HMO Henry Ford Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Coinsurance: 20%
    Prescription Costs: $25/$125/50%/50%
    Out-of-pocket Limit: $6,600 / $13,200
    Out-of-pocket Limit - Family: $ $13,200
    Primary Doctor Visit: $ 40 copay
    Specialist Visit: $ 60 copay
    Urgent Care Centers: $ 65 copay
  • PA 5000 Choice
    Genesys Choice
    2015
    HMO
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Office Visit: $40 copay
    quick look Apply

    HAP Personal Alliance 5000 HMO Genesys Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Coinsurance: 20%
    Prescription Costs: $25/$125/50%/50%
    Out-of-pocket Limit: $6,600 / $13,200
    Out-of-pocket Limit - Family: $ $13,200
    Primary Doctor Visit: $ 40 copay
    Specialist Visit: $ 60 copay
    Urgent Care Centers: $ 65 copay
  • PA 5000 Choice
    Henry Ford Choice
    2015
    HMO
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Office Visit: $40 copay
    quick look Apply

    HAP Personal Alliance 5000 HMO Henry Ford Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Coinsurance: 20%
    Prescription Costs: $25/$125/50%/50%
    Out-of-pocket Limit: $6,600 / $13,200
    Out-of-pocket Limit - Family: $ $13,200
    Primary Doctor Visit: $ 40 copay
    Specialist Visit: $ 60 copay
    Urgent Care Centers: $ 65 copay
  • PA 5000 Choice
    Genesys Choice
    2015
    HMO
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Office Visit: $40 copay
    quick look Apply

    HAP Personal Alliance 5000 HMO Genesys Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Coinsurance: 20%
    Prescription Costs: $25/$125/50%/50%
    Out-of-pocket Limit: $6,600 / $13,200
    Out-of-pocket Limit - Family: $ $13,200
    Primary Doctor Visit: $ 40 copay
    Specialist Visit: $ 60 copay
    Urgent Care Centers: $ 65 copay
  • PA 6600 Choice
    Genesys Choice
    2015
    HMO
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $6,600 / $13,200
    Office Visit: Limit of 3 PCP then covered after deductible
    quick look Apply

    HAP Personal Alliance 6600 HMO Genesys Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $6,600 / $13,200
    Coinsurance: 0%
    Prescription Costs: Covered after deductible
    Out-of-pocket Limit: $6,600 / $13,200
    Out-of-pocket Limit - Family: $ $13,200
    Primary Doctor Visit: Limit of 3 PCP then covered after deductible
    Specialist Visit: Covered after deductible
    Urgent Care Centers: Covered after deductible
  • PA 6600 Choice
    Henry Ford Choice
    2015
    HMO
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $6,600 / $13,200
    Office Visit: Limit of 3 PCP then covered after deductible
    quick look Apply

    HAP Personal Alliance 6600 HMO Henry Ford Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $6,600 / $13,200
    Coinsurance: 0%
    Prescription Costs: Covered after deductible
    Out-of-pocket Limit: $6,600 / $13,200
    Out-of-pocket Limit - Family: $ $13,200
    Primary Doctor Visit: Limit of 3 PCP then covered after deductible
    Specialist Visit: Covered after deductible
    Urgent Care Centers: Covered after deductible
  • PA 6600 Choice
    Genesys Choice
    2015
    HMO
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $6,600 / $13,200
    Office Visit: Limit of 3 PCP then covered after deductible
    quick look Apply

    HAP Personal Alliance 6600 HMO Genesys Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $6,600 / $13,200
    Coinsurance: 0%
    Prescription Costs: Covered after deductible
    Out-of-pocket Limit: $6,600 / $13,200
    Out-of-pocket Limit - Family: $ $13,200
    Primary Doctor Visit: Limit of 3 PCP then covered after deductible
    Specialist Visit: Covered after deductible
    Urgent Care Centers: Covered after deductible
  • PA 6600 Choice
    Henry Ford Choice
    2015
    HMO
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $6,600 / $13,200
    Office Visit: Limit of 3 PCP then covered after deductible
    quick look Apply

    HAP Personal Alliance 6600 HMO Henry Ford Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $6,600 / $13,200
    Coinsurance: 0%
    Prescription Costs: Covered after deductible
    Out-of-pocket Limit: $6,600 / $13,200
    Out-of-pocket Limit - Family: $ $13,200
    Primary Doctor Visit: Limit of 3 PCP then covered after deductible
    Specialist Visit: Covered after deductible
    Urgent Care Centers: Covered after deductible
HMO-HSA
  • 2015
    HMO-HSA
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,000 / $4,000
    Office Visit: Covered after deductible
    quick look Apply

    HAP Personal Alliance 2000 HMO (HSA)

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,000 / $4,000
    Coinsurance: 0%
    Prescription Costs: Covered after deductible
    Out-of-pocket Limit: $2,000 / $4,000
    Out-of-pocket Limit - Family: $ $4,000
    Primary Doctor Visit: Covered after deductible
    Specialist Visit: Covered after deductible
    Urgent Care Centers: Covered after deductible
  • 2015
    HMO-HSA
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,000 / $4,000
    Office Visit: Covered after deductible
    quick look Apply

    HAP Personal Alliance 2000 HMO (HSA)

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,000 / $4,000
    Coinsurance: 0%
    Prescription Costs: Covered after deductible
    Out-of-pocket Limit: $2,000 / $4,000
    Out-of-pocket Limit - Family: $ $4,000
    Primary Doctor Visit: Covered after deductible
    Specialist Visit: Covered after deductible
    Urgent Care Centers: Covered after deductible
  • 2015
    HMO-HSA
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Office Visit: 20% after deductible
    quick look Apply

    HAP Personal Alliance 5000 HMO (HSA)

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Coinsurance: 20%
    Prescription Costs: 20% after deductible
    Out-of-pocket Limit: $6,450 / $12,900
    Out-of-pocket Limit - Family: $ $12,900
    Primary Doctor Visit: 20% after deductible
    Specialist Visit: 20% after deductible
    Urgent Care Centers: 20% after deductible
  • 2015
    HMO-HSA
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Office Visit: 20% after deductible
    quick look Apply

    HAP Personal Alliance 5000 HMO (HSA)

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Coinsurance: 20%
    Prescription Costs: 20% after deductible
    Out-of-pocket Limit: $6,450 / $12,900
    Out-of-pocket Limit - Family: $ $12,900
    Primary Doctor Visit: 20% after deductible
    Specialist Visit: 20% after deductible
    Urgent Care Centers: 20% after deductible
HMO-HSA Choice
  • PA 2000 Choice-HSA
    Genesys Choice
    2015
    HMO-HSA
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,000 / $4,000
    Office Visit: Covered after deductible
    quick look Apply

    HAP Personal Alliance 2000 HMO (HSA) Genesys Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,000 / $4,000
    Coinsurance: 0%
    Prescription Costs: Covered after deductible
    Out-of-pocket Limit: $2,000 / $4,000
    Out-of-pocket Limit - Family: $ $4,000
    Primary Doctor Visit: Covered after deductible
    Specialist Visit: Covered after deductible
    Urgent Care Centers: Covered after deductible
  • PA 2000 Choice-HSA
    Henry Ford Choice
    2015
    HMO-HSA
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,000 / $4,000
    Office Visit: Covered after deductible
    quick look Apply

    HAP Personal Alliance 2000 HMO (HSA) Henry Ford Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,000 / $4,000
    Coinsurance: 0%
    Prescription Costs: Covered after deductible
    Out-of-pocket Limit: $2,000 / $4,000
    Out-of-pocket Limit - Family: $ $4,000
    Primary Doctor Visit: Covered after deductible
    Specialist Visit: Covered after deductible
    Urgent Care Centers: Covered after deductible
  • PA 2000 Choice-HSA
    Genesys Choice
    2015
    HMO-HSA
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,000 / $4,000
    Office Visit: Covered after deductible
    quick look Apply

    HAP Personal Alliance 2000 HMO (HSA) Genesys Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,000 / $4,000
    Coinsurance: 0%
    Prescription Costs: Covered after deductible
    Out-of-pocket Limit: $2,000 / $4,000
    Out-of-pocket Limit - Family: $ $4,000
    Primary Doctor Visit: Covered after deductible
    Specialist Visit: Covered after deductible
    Urgent Care Centers: Covered after deductible
  • PA 2000 Choice-HSA
    Henry Ford Choice
    2015
    HMO-HSA
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,000 / $4,000
    Office Visit: Covered after deductible
    quick look Apply

    HAP Personal Alliance 2000 HMO (HSA) Henry Ford Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,000 / $4,000
    Coinsurance: 0%
    Prescription Costs: Covered after deductible
    Out-of-pocket Limit: $2,000 / $4,000
    Out-of-pocket Limit - Family: $ $4,000
    Primary Doctor Visit: Covered after deductible
    Specialist Visit: Covered after deductible
    Urgent Care Centers: Covered after deductible
  • PA 5000 Choice-HSA
    Genesys Choice
    2015
    HMO-HSA
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Office Visit: 20% after deductible
    quick look Apply

    HAP Personal Alliance 5000 HMO (HSA) Genesys Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Coinsurance: 20%
    Prescription Costs: 20% after deductible
    Out-of-pocket Limit: $6,450 / $12,900
    Out-of-pocket Limit - Family: $ $12,900
    Primary Doctor Visit: 20% after deductible
    Specialist Visit: 20% after deductible
    Urgent Care Centers: 20% after deductible
  • PA 5000 Choice-HSA
    Henry Ford Choice
    2015
    HMO-HSA
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Office Visit: 20% after deductible
    quick look Apply

    HAP Personal Alliance 5000 HMO (HSA) Henry Ford Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Coinsurance: 20%
    Prescription Costs: 20% after deductible
    Out-of-pocket Limit: $6,450 / $12,900
    Out-of-pocket Limit - Family: $ $12,900
    Primary Doctor Visit: 20% after deductible
    Specialist Visit: 20% after deductible
    Urgent Care Centers: 20% after deductible
  • PA 5000 Choice-HSA
    Genesys Choice
    2015
    HMO-HSA
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Office Visit: 20% after deductible
    quick look Apply

    HAP Personal Alliance 5000 HMO (HSA) Genesys Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Coinsurance: 20%
    Prescription Costs: 20% after deductible
    Out-of-pocket Limit: $6,450 / $12,900
    Out-of-pocket Limit - Family: $ $12,900
    Primary Doctor Visit: 20% after deductible
    Specialist Visit: 20% after deductible
    Urgent Care Centers: 20% after deductible
  • PA 5000 Choice-HSA
    Henry Ford Choice
    2015
    HMO-HSA
    Choice
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Office Visit: 20% after deductible
    quick look Apply

    HAP Personal Alliance 5000 HMO (HSA) Henry Ford Choice

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Coinsurance: 20%
    Prescription Costs: 20% after deductible
    Out-of-pocket Limit: $6,450 / $12,900
    Out-of-pocket Limit - Family: $ $12,900
    Primary Doctor Visit: 20% after deductible
    Specialist Visit: 20% after deductible
    Urgent Care Centers: 20% after deductible
PPO
  • 2015
    PPO
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $1,500 / $3,000
    Office Visit: $15 copay
    quick look Apply

    HAP Personal Alliance 1500 PPO

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $1,500 / $3,000
    Coinsurance: 0%
    Prescription Costs: $15/$60/50%/50%
    Out-of-pocket Limit: $3,500 / $7,000
    Out-of-pocket Limit - Family: $ $7,000
    Primary Doctor Visit: $ 15 copay
    Specialist Visit: $ 30 copay
    Urgent Care Centers: $ 65 copay
  • 2015
    PPO
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $1,500 / $3,000
    Office Visit: $15 copay
    quick look Apply

    HAP Personal Alliance 1500 PPO

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $1,500 / $3,000
    Coinsurance: 0%
    Prescription Costs: $15/$60/50%/50%
    Out-of-pocket Limit: $3,500 / $7,000
    Out-of-pocket Limit - Family: $ $7,000
    Primary Doctor Visit: $ 15 copay
    Specialist Visit: $ 30 copay
    Urgent Care Centers: $ 65 copay
  • 2015
    PPO
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,500 / $5,000
    Office Visit: $30 copay
    quick look Apply

    HAP Personal Alliance 2500 PPO

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,500 / $5,000
    Coinsurance: 20%
    Prescription Costs: $15/$60/50%/50%
    Out-of-pocket Limit: $6,000 / $12,000
    Out-of-pocket Limit - Family: $ $12,000
    Primary Doctor Visit: $ 30 copay
    Specialist Visit: $ 50 copay
    Urgent Care Centers: $ 65 copay
  • 2015
    PPO
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,500 / $5,000
    Office Visit: $30 copay
    quick look Apply

    HAP Personal Alliance 2500 PPO

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,500 / $5,000
    Coinsurance: 20%
    Prescription Costs: $15/$60/50%/50%
    Out-of-pocket Limit: $6,000 / $12,000
    Out-of-pocket Limit - Family: $ $12,000
    Primary Doctor Visit: $ 30 copay
    Specialist Visit: $ 50 copay
    Urgent Care Centers: $ 65 copay
  • 2015
    PPO
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $3,000 / $6,000
    Office Visit: $30 copay
    quick look Apply

    HAP Personal Alliance 3000 PPO

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $3,000 / $6,000
    Coinsurance: 20%
    Prescription Costs: $15/$60/50%/50%
    Out-of-pocket Limit: $6,350 / $12,700
    Out-of-pocket Limit - Family: $ $12,700
    Primary Doctor Visit: $ 30 copay
    Specialist Visit: $ 50 copay
    Urgent Care Centers: $ 65 copay
  • 2015
    PPO
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $3,000 / $6,000
    Office Visit: $30 copay
    quick look Apply

    HAP Personal Alliance 3000 PPO

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $3,000 / $6,000
    Coinsurance: 20%
    Prescription Costs: $15/$60/50%/50%
    Out-of-pocket Limit: $6,350 / $12,700
    Out-of-pocket Limit - Family: $ $12,700
    Primary Doctor Visit: $ 30 copay
    Specialist Visit: $ 50 copay
    Urgent Care Centers: $ 65 copay
  • 2015
    PPO
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Office Visit: $40 copay
    quick look Apply

    HAP Personal Alliance 5000 PPO

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Coinsurance: 20%
    Prescription Costs: $25/$125/50%/50%
    Out-of-pocket Limit: $6,600 / $13,200
    Out-of-pocket Limit - Family: $ $13,200
    Primary Doctor Visit: $ 40 copay
    Specialist Visit: $ 60 copay
    Urgent Care Centers: $ 65 copay
  • 2015
    PPO
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Office Visit: $40 copay
    quick look Apply

    HAP Personal Alliance 5000 PPO

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Coinsurance: 20%
    Prescription Costs: $25/$125/50%/50%
    Out-of-pocket Limit: $6,600 / $13,200
    Out-of-pocket Limit - Family: $ $13,200
    Primary Doctor Visit: $ 40 copay
    Specialist Visit: $ 60 copay
    Urgent Care Centers: $ 65 copay
  • 2015
    PPO
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $6,600 / $13,200
    Office Visit: Limit of 3 PCP then covered after deductible
    quick look Apply

    HAP Personal Alliance 6600 PPO

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $6,600 / $13,200
    Coinsurance: 0%
    Prescription Costs: Covered after in network deductible
    Out-of-pocket Limit: $6,600 / $13,200
    Out-of-pocket Limit - Family: $ $13,200
    Primary Doctor Visit: Limit of 3 PCP then covered after deductible
    Specialist Visit: Covered after deductible
    Urgent Care Centers: Covered after in network deductible
  • 2015
    PPO
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $6,600 / $13,200
    Office Visit: Limit of 3 PCP then covered after deductible
    quick look Apply

    HAP Personal Alliance 6600 PPO

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $6,600 / $13,200
    Coinsurance: 0%
    Prescription Costs: Covered after in network deductible
    Out-of-pocket Limit: $6,600 / $13,200
    Out-of-pocket Limit - Family: $ $13,200
    Primary Doctor Visit: Limit of 3 PCP then covered after deductible
    Specialist Visit: Covered after deductible
    Urgent Care Centers: Covered after in network deductible
PPO-HSA
  • 2015
    PPO-HSA
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,000 / $4,000
    Office Visit: Covered after deductible
    quick look Apply

    HAP Personal Alliance 2000 PPO (HSA)

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,000 / $4,000
    Coinsurance: 0%
    Prescription Costs: Covered after in network deductible
    Out-of-pocket Limit: $2,000 / $4,000
    Out-of-pocket Limit - Family: $ $4,000
    Primary Doctor Visit: Covered after deductible
    Specialist Visit: Covered after deductible
    Urgent Care Centers: Covered after in network deductible
  • 2015
    PPO-HSA
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,000 / $4,000
    Office Visit: Covered after deductible
    quick look Apply

    HAP Personal Alliance 2000 PPO (HSA)

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $2,000 / $4,000
    Coinsurance: 0%
    Prescription Costs: Covered after in network deductible
    Out-of-pocket Limit: $2,000 / $4,000
    Out-of-pocket Limit - Family: $ $4,000
    Primary Doctor Visit: Covered after deductible
    Specialist Visit: Covered after deductible
    Urgent Care Centers: Covered after in network deductible
  • 2015
    PPO-HSA
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Office Visit: 20% after deductible
    quick look Apply

    HAP Personal Alliance 5000 PPO (HSA)

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Coinsurance: 20%
    Prescription Costs: 20% after in network deductible
    Out-of-pocket Limit: $6,450 / $12,900
    Out-of-pocket Limit - Family: $ $12,900
    Primary Doctor Visit: 20% after deductible
    Specialist Visit: 20% after deductible
    Urgent Care Centers: 20% after in network deductible
  • 2015
    PPO-HSA
    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Office Visit: 20% after deductible
    quick look Apply

    HAP Personal Alliance 5000 PPO (HSA)

    Monthly Premium: Get Price
    Deductible (Ind/Fam) $5,000 / $10,000
    Coinsurance: 20%
    Prescription Costs: 20% after in network deductible
    Out-of-pocket Limit: $6,450 / $12,900
    Out-of-pocket Limit - Family: $ $12,900
    Primary Doctor Visit: 20% after deductible
    Specialist Visit: 20% after deductible
    Urgent Care Centers: 20% after in network deductible
* Individual rates may vary based on age, smoking status, county, and annual income. Lower cost calculated using published 2015 rate filings as of 10/1/14.

This rating model has been designed to provide an estimate of rates for Individual HMO and PPO Plans. Rates are based on a base rate, benchmark plan factor, age band rate factor, tobacco factor, and geographic factor. The premium rates displayed are intended for existing business administrative changes only based on the current census information submitted. If this information changes before the desired effective date requested, these rates will no longer apply. Final rates are based on the birthdate at the time the policy becomes effective . The estimated rate is provided for informational purposes only and is not a final determination. Actual rates may vary due to rounding. Applicable taxes are embedded in rate.

Please contact HAP Sales for additional pricing information.
There are HMO and HMO-HSA Choice plans available to residents in Genesee, Wayne, Oakland, and Macomb counties. Excluding the following zip codes in Oakland County: 48356, 48357, 48346, 48348, 48359, 48360, 48362, 48442, 48370, 48371, 48462, 48367, 48350.
HAP does not discriminate on the basis of race, color, national origin, disability, age, sex, gender identity, sexual orientation or health status in the administration of the plan, including enrollment and benefit determinations.