2027 Medicare Advantage plan

HAP Medicare MedicalAccess (HMO): 2027 benefits and costs

Health Alliance Plan by Henry Ford Health HMO

CMS plan ID: H2354-019-0 · Plan year: 2027

HAP Medicare MedicalAccess (HMO) is a 2027 Medicare Advantage plan offered by Health Alliance Plan by Henry Ford Health. It is listed in Michigan.

2027 plan costs at a glance

Monthly plan premium$0.00

In-network medical out-of-pocket maximum$4,500.00

Organization: Health Alliance Plan by Henry Ford Health
Plan organization: HEALTH ALLIANCE PLAN OF MICHIGAN
Parent company: Henry Ford Health System
Plan type: HMO
Part C premium: $0.00
Prescription drug coverage: No
2027 CMS Star Rating

Standard monthly Medicare Part B premium: $209.50 (estimated)
Monthly Part B premium after plan reduction: $104.50 (estimated)$209.50 standard premium less $105.00 plan reduction.

You must continue to pay your Medicare Part B premium.

In-network medical deductible: None
In-network medical maximum: $4,500.00
Applies to certain in-network supplemental services.

Part B premium reduction: $105.00

2027 benefit summary

Doctor visits and medical care

Common medical services and member costs
Service	In-network	What to know
Primary care doctor	$0 Service-specific deductible No
Specialist visit	$35.00 copay Service-specific deductible No	Approval required No Referral required No
Telehealth	$0.00 to $50.00 copay Service-specific deductible No	Approval required No Referral required No
Emergency care	$130.00 copay
Urgent care	$0.00 to $50.00 copay
Home health	$0 Service-specific deductible No	Approval required No Referral required No
Dialysis	20% coinsurance Service-specific deductible No	Approval required No Referral required No
Part B chemotherapy and radiation drugs	0% to 20% coinsurance Deductible applies No	Approval required Yes
Other Part B drugs	0% to 20% coinsurance Deductible applies No	Approval required Yes
Kidney disease education services	$0 Service-specific deductible No	Approval required No Referral required No
Medicare-covered chiropractic	$15.00 copay Service-specific deductible No	Approval required No Referral required No
Medicare-covered foot care	$0.00 to $35.00 copay Service-specific deductible No	Approval required No Referral required No
Other health professionals	$0.00 to $35.00 copay Service-specific deductible No	Approval required No Referral required No

Hospital, outpatient surgery and observation care

Inpatient stays and skilled nursing care

In-network stays. Charges can depend on the number of days and the benefit period.
Care	Your share of the cost	What to know
Inpatient hospital stay	$0.00 copay per stay Days 1–5: $325.00 copay per day Days 6–90: $0.00 copay per day	Approval required Yes Referral required No Benefit period Per Admission or Per Stay
Inpatient mental health care	$0.00 copay per stay Days 1–5: $325.00 copay per day Days 6–90: $0.00 copay per day	Approval required Yes Referral required No Benefit period Per Admission or Per Stay
Skilled nursing facility	Days 1–20: $0.00 copay per day Days 21–100: $221.00 copay per day	Approval required Yes Referral required No Benefit period Original Medicare

See plan documents for out-of-network hospital and skilled nursing costs.

Hospital, outpatient surgery and observation care and member costs
Service	In-network	What to know
Outpatient hospital care	$0.00 to $300.00 copay Service-specific deductible No
Hospital observation services	$300.00 copay Service-specific deductible No
Ambulatory surgical center	$0.00 to $225.00 copay Service-specific deductible No	Approval required Yes Referral required No
Outpatient blood	$0 Service-specific deductible No	Approval required No Referral required No

Tests, imaging and laboratory services

Tests, imaging and laboratory services and member costs
Service	In-network	What to know
Diagnostic procedures and tests	$0.00 to $150.00 copay Service-specific deductible No	Approval required Yes Referral required No
Laboratory services	$0 Service-specific deductible No	Approval required Yes Referral required No
Diagnostic radiology (CT, MRI)	$0.00 to $200.00 copay Service-specific deductible No	Approval required Yes Referral required No
Therapeutic radiology	$40.00 copay Service-specific deductible No	Approval required Yes Referral required No
X-rays	$35.00 copay Service-specific deductible No	Approval required Yes Referral required No

Mental health and substance use treatment

Mental health and substance use treatment and member costs
Service	In-network	What to know
Partial hospitalization	$55.00 copay Service-specific deductible No	Approval required Yes Referral required No
Intensive outpatient program	$55.00 copay Service-specific deductible No	Approval required Yes Referral required No
Substance use treatment, individual sessions	$15.00 copay Service-specific deductible No	Approval required No Referral required No
Substance use treatment, group sessions	$15.00 copay Service-specific deductible No	Approval required No Referral required No
Opioid treatment program	$15.00 copay Service-specific deductible No	Approval required No Referral required No
Mental health, individual sessions	$15.00 copay Service-specific deductible No	Approval required No Referral required No
Mental health, group sessions	$15.00 copay Service-specific deductible No	Approval required No Referral required No
Psychiatry, individual sessions	$15.00 copay Service-specific deductible No	Approval required No Referral required No
Psychiatry, group sessions	$15.00 copay Service-specific deductible No	Approval required No Referral required No

Therapy and rehabilitation

Therapy and rehabilitation and member costs
Service	In-network	What to know
Occupational therapy	$20.00 copay Service-specific deductible No	Approval required No Referral required No
Physical and speech therapy	$20.00 copay Service-specific deductible No	Approval required Yes Referral required No
Cardiac rehabilitation	$0 Service-specific deductible No	Approval required Yes Referral required No
Intensive cardiac rehabilitation	$0 Service-specific deductible No	Approval required Yes Referral required No
Pulmonary rehabilitation	$0 Service-specific deductible No	Approval required Yes Referral required No
Supervised exercise for peripheral artery disease	$0 Service-specific deductible No	Approval required Yes Referral required No

Ambulance, medical equipment and supplies

Ambulance, medical equipment and supplies and member costs
Service	In-network	What to know
Ground ambulance	$300.00 copay Service-specific deductible No	Approval required Yes
Air ambulance	$300.00 copay Service-specific deductible No	Approval required Yes
Durable medical equipment	20% coinsurance Service-specific deductible No	Approval required Yes
Prosthetic devices	20% coinsurance Service-specific deductible No	Approval required Yes
Medical supplies	20% coinsurance Service-specific deductible No	Approval required Yes
Diabetic supplies	$0 Service-specific deductible No	Approval required No
Diabetic shoes and inserts	$0 Service-specific deductible No	Approval required No
Diabetic monitors	0% to 20% coinsurance Service-specific deductible No	Approval required No

Dental benefits

Dental benefits and member costs
Service	In-network	What to know
Medicare-covered dental	$0.00 to $35.00 copay
Oral examsAdditional plan benefit	$0
Dental X-raysAdditional plan benefit	$0
Dental cleaningAdditional plan benefit	$0
FluorideAdditional plan benefit	$0
Restorative dental careAdditional plan benefit	50% to 75% coinsurance
Root canal treatment (endodontics)Additional plan benefit	50% coinsurance
Gum treatment (periodontics)Additional plan benefit	$0
Oral surgeryAdditional plan benefit	0% to 50% coinsurance

Vision benefits

Vision benefits and member costs
Service	In-network	What to know
Medicare-covered eye exams	$0.00 to $35.00 copay Service-specific deductible No	Approval required Yes Referral required No
Routine eye examsAdditional plan benefit	$0	Approval required Yes Referral required No
Medicare-covered eyewear	$0 Service-specific deductible No	Approval required No Referral required No
Contact lensesAdditional plan benefit	$0	Approval required No Referral required No
Eyeglasses, lenses and framesAdditional plan benefit	$0	Approval required No Referral required No
Eyeglass lensesAdditional plan benefit	$0	Approval required No Referral required No
Eyeglass framesAdditional plan benefit	$0	Approval required No Referral required No

Hearing benefits

Hearing benefits and member costs
Service	In-network	What to know
Medicare-covered hearing exams	$0.00 to $35.00 copay Service-specific deductible No	Approval required Yes Referral required No
Routine hearing examsAdditional plan benefit	$0	Approval required Yes Referral required No
Hearing aid fitting and evaluationAdditional plan benefit	$0	Approval required Yes Referral required No
Prescription hearing aids (all types)Additional plan benefit	$0.00 to $1,575.00 copay Service-specific deductible No	Approval required No Referral required No

Extra benefits

Extra benefits and member costs
Service	In-network	What to know
Over-the-counter health itemsAdditional plan benefit	$0 Service-specific deductible No
Limited-duration mealsAdditional plan benefit	$0 Service-specific deductible No	Approval required No Referral required No
Annual physical examAdditional plan benefit	$0 Service-specific deductible No	Approval required No Referral required No
Fitness benefitAdditional plan benefit	$0 Service-specific deductible No	Approval required No Referral required No

Allowances and optional benefits

Optional packages that cost extra

Delta Dental HMO Plan $38.90 extra per month

Delta Dental HMO Plan

The limits below apply only to this optional package.

Benefit allowance: $2,000.00
How often this limit applies: Every year
Do the Optional Supplemental benefits in this package apply to the MOOP for this plan?: No
Deductible applies: No
Included services: Dental X-Rays; Other Diagnostic Dental Services; Gum treatment (periodontics); Removable dentures (prosthodontics); Implant Services; Fixed dental restorations (prosthodontics); Adjunctive General Services

Prescription drug coverage

This plan does not include a Part D prescription drug benefit.

Where this plan is offered

CMS lists this plan in 1 state or territory. Availability can vary by county and ZIP code.

View all locations 61 county listings across 1 state or territory