Henry Ford Health in Detroit and its nonprofit health insurance company HAP (Health Alliance Plan) are launching their first co-branded Medicare product.
Offering what is described as βthe richest benefits of any HAP plan,β the move comes as many national health plans signal pending benefit cuts in response to recent financial adjustments by the Centers for Medicare & Medicaid Services (CMS).
The Henry Ford Select (HMO) plan, being marketed asΒ Henry Ford Health Medicare Advantage powered by HAP, offersΒ Medicare AdvantageΒ consumers a plan built for Henry Ford Health patients and consumers who are looking for access to a care network that now includes both Henry Ford Health providers and those aligned with the legacy Ascension Michigan sites thatΒ just joined Henry Ford.
βElevating the health and wellbeing of the communities we serve is at the heart of everything we do,β says Bob Riney, president and CEO of Henry Ford Health. βWith the launch of our co-branded Medicare Advantage plan, we are taking a bold step in ensuring our Medicare-eligible members not only maintain access to their trusted Henry Ford Health providers, but also receive comprehensive, affordable primary and specialty care.
βThis plan is designed to provide real value so our members can focus on living healthier, fuller lives without the worry of mounting health care costs.β
In addition to $0 premiums and primary care physician copays, the plan also features $15 co-pays for visits to Henry Fordβs nationally recognized specialists β providing access to world renowned care for less than any other offering in the market.
It also includes an $820 annual prepaid benefits Mastercard for over-the-counter items and more; $10 copays for physical, occupational and speech therapy; 100 percent dental coverage for preventive and comprehensive services up to $2,000; $0 Tier 1 and 2 mail-order prescription copays; $150 vision allowance plus extra discounts at Henry Ford Healthβs OptimEyes facilities, and more.
The Henry Ford Select (HMO) plan is available to members who live in Genesee, Lapeer, Jackson, Hillsdale, Macomb, Oakland, and Wayne counties.
βAs a mission-driven, provider-sponsored health plan, HAP is focused on re-investing into our Medicare product portfolio, creating benefit-rich, affordable plans designed to give equitable access to quality care,β says Dr. Michael Genord, executive vice president of Henry Ford Health and president and CEO of HAP.
The Medicare Annual Enrollment Period, or AEP, runs from October 15 through December 7. During this time, consumers can make changes to their health insurance benefits.
In addition to the Henry Ford Health branded plan, HAP is also offering the following new products:
- HAP MSU-HC Medicare Prime (PPO) plan:Β Developed in partnership with MSU Health Care, this plan offers a $0 premium, $0 primary care provider visits, $0 medical deductible, and a $420 annual prepaid benefits Mastercard, among other benefits. Medicare-eligible individuals in 48 Michigan counties can access this plan.
- HAP Medicare Complete Assist (PPO D-SNP) plan:Β For members who qualify for both Medicare and Medicaid services, this plan aims to alleviate the financial burdens of members with incomes below the federal poverty line, providing them with the necessary support to manage both their healthcare and lifestyle costs. This includes as low as $0 premium, $0 primary care visits and $0 medical deductible. The plan also includes a monthly allowance on a prepaid benefits Mastercard to help with everyday expenses. HAP also expanded its current HMO D-SNP offering to 48 counties.
For more information about HAP and its 2025 AEP offerings, visitΒ hap.org/medicare.