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Medicare Advantage · Local PPO · 2027

HAP Senior Plus (PPO)

Health Alliance Plan by Henry Ford Health H2322-0083.5 CMS rating for 2027
Is it offered where you live?

No referral needed to see a specialist

At a glance: $165 monthly premium and $0 primary care visits.

Monthly premium
$165
Part B premium separate
Yearly limit
$4,450
Most you’d pay for in-network care
Dental
$1,500/yr
Preventive & comprehensive dental allowance
Doctor visits
$0
Primary care · specialists $25

Check this plan for you

Add your doctors and prescriptions to see how they work with this plan.

Your doctors
Not checked yetSee if they’re in this plan’s network
Your prescriptions
Not checked yetSee your drug tier and monthly cost
Extra benefits
5 includedDental · OTC allowance · Vision · Hearing · Fitness

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A licensed agent can review this plan and other plans in your area that fit your needs.

TTY: 711 · Monday to Friday, 8:00 AM to 6:00 PM CST

Costs and copays

Deductibles, yearly limit, visits, hospital stays and drug tiers
DeductiblesMedical · $0 for drugs
$0
Yearly limitIn-network care, not counting drugs
$4,450
Yearly limit, in and out of networkCombined, not counting drugs
$4,450
Primary doctorPer visit
$0
SpecialistPer visit · no referral needed
$25
Hospital stayNo limit on covered hospital days
Days 1-5: $250/day, Days 6-90: $0/day
Inpatient mental healthHospital stay
Days 1-5: $250/day, Days 6-90: $0/day
Outpatient surgeryPer procedure
$200
Emergency roomPer visit
$150
Urgent carePer visit
$65
Tier 1 · Preferred Generic30-day supply at a retail pharmacy
$0
Tier 2 · Generic30-day supply at a retail pharmacy
$9
Tier 3 · Preferred Brand30-day supply at a retail pharmacy
20%
Tier 4 · Non-Pref Brand30-day supply at a retail pharmacy
43%
Tier 5 · Specialty30-day supply at a retail pharmacy
33%

Our take

Where this plan shines, and what to know

Where this plan shines

  • This plan’s out-of-pocket maximum is below the national median.
  • See your primary doctor for $0.
  • The specialist copay ($25) is among the more affordable options.
  • No separate drug deductible.
  • No separate medical deductible.

Things to know before you enroll

  • Limited coverage while traveling outside the plan’s service area.

Similar plans

Other Medicare Advantage plans offered in Michigan

Common questions

6 answers about this plan

What does HAP Senior Plus (PPO) (Local PPO) cover?

HAP Senior Plus (PPO) (Local PPO) is a Medicare Advantage plan that the current plan record identifies as including Part D prescription drug coverage. The plan record also identifies Part D prescription drug coverage. Its published drug benefit lists 5 formulary tiers. Published supplemental benefits include dental ($1,500/yr preventive & comprehensive dental allowance), vision ($150/yr eyewear allowance), hearing ($0–$1,575 copay per hearing aid), and over-the-counter (OTC) ($45/quarter OTC allowance). Review the plan documents for covered services, limits, and rules. Coverage can change each plan year.

Learn about Medicare Advantage

How much does HAP Senior Plus (PPO) (Local PPO) cost in 2027?

The published 2027 monthly plan premium for HAP Senior Plus (PPO) (Local PPO) is $165. Any Medicare premiums you owe are separate from the listed plan premium. The listed medical deductible is $0. The listed Part D deductible is $0. The in-network medical out-of-pocket maximum is $4,450; it does not include Part D drug spending. Published visit costs include primary care $0 and specialist visits $25. These figures are plan data, not a personal yearly-cost estimate.

Understand Medicare drug-cost limits

Can I use my current doctors with HAP Senior Plus (PPO) (Local PPO)?

CMS lists HAP Senior Plus (PPO) (Local PPO) as a Local PPO plan. The plan record says specialist referrals are not required. A network label alone does not confirm that a specific doctor participates. Use the doctor lookup tool, then confirm with the doctor's office and the plan before receiving care. Provider networks and member costs can change. Emergency care and travel coverage can follow different network rules.

Check your doctors

Does HAP Senior Plus (PPO) (Local PPO) cover my prescriptions?

HAP Senior Plus (PPO) (Local PPO) has 5 published formulary tiers in the current plan record. Published preferred-pharmacy 30-day retail costs include Tier 1 at $0, Tier 2 at $9, Tier 3 at 20%, Tier 4 at 43%, and Tier 5 at 33%. The listed Part D deductible is $0. A tier listing does not confirm that a specific prescription is covered. Check each medication against the plan's current formulary, restrictions, pharmacy network, and costs before enrolling.

Check your prescriptions

What dental, vision, and hearing benefits does HAP Senior Plus (PPO) (Local PPO) include?

The current plan record for HAP Senior Plus (PPO) (Local PPO) lists dental ($1,500/yr preventive & comprehensive dental allowance), vision ($150/yr eyewear allowance), and hearing ($0–$1,575 copay per hearing aid). It also lists over-the-counter (OTC) ($45/quarter OTC allowance). Benefit allowances, frequency, eligibility, and participating providers can have additional limits, so review the Summary of Benefits or Evidence of Coverage for the complete rules.

When can I enroll in HAP Senior Plus (PPO) (Local PPO)?

HAP Senior Plus (PPO) (Local PPO) is a 2027 Medicare Advantage plan. The Annual Enrollment Period runs from October 15 through December 7, with changes taking effect January 1. The Medicare Advantage Open Enrollment Period runs from January 1 through March 31 for people already enrolled in Medicare Advantage. A qualifying circumstance may create a Special Enrollment Period outside those dates. Confirm the enrollment window and effective date that apply to you before changing coverage.

Review Medicare enrollment periods

Plan documents

Summary of Benefits and Evidence of Coverage

Talk to a licensed agent

Talk with a licensed advisor

A licensed agent can review this plan and other plans in your area that fit your needs.

TTY: 711 · Monday to Friday, 8:00 AM to 6:00 PM CST

HAP Senior Plus H2322-008 (PPO) — 2027 Costs & Benefits