2027 Medicare Advantage plan

HAP Senior Plus (HMO-POS): 2027 benefits and costs

Health Alliance Plan by Henry Ford Health HMO-POS

CMS plan ID: H2354-021-0 · Plan year: 2027

HAP Senior Plus (HMO-POS) 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$105.00

Drug deductible$0.00

In-network medical out-of-pocket maximum$4,650.00

Organization: Health Alliance Plan by Henry Ford Health
Plan organization: HEALTH ALLIANCE PLAN OF MICHIGAN
Parent company: Henry Ford Health System
Plan type: HMO-POS
Part C premium: $105.00
Part D premium: $0.00
Prescription drug coverage: Yes
2027 CMS Star Rating

Standard monthly Medicare Part B premium: $209.50 (estimated)

You must continue to pay your Medicare Part B premium.

In-network medical deductible: None
Combined in/out-of-network medical deductible: None
Out-of-network medical deductible: None
In-network medical maximum: $4,650.00
Applies to certain in-network supplemental services.
Combined in/out-of-network medical maximum: $4,650.00
Applies to certain out-of-network supplemental services and certain in-network supplemental services.
Out-of-network medical maximum: Not applicable

2027 benefit summary

Doctor visits and medical care

Common medical services and member costs
Service	In-network	Point-of-service	What to know
Primary care doctor	$0 Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year
Specialist visit	$30.00 copay Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required No Referral required No
Telehealth	$0.00 to $50.00 copay Service-specific deductible No	Not summarized. Check coverage with the plan.	Approval required No Referral required No
Emergency care	$130.00 copay	Not summarized. Check coverage with the plan.
Urgent care	$0.00 to $50.00 copay	Not summarized. Check coverage with the plan.
Home health	$0 Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required No Referral required No
Dialysis	20% coinsurance Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required No Referral required No
Part B chemotherapy and radiation drugs	0% to 20% coinsurance Deductible applies No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required Yes
Other Part B drugs	0% to 20% coinsurance Deductible applies No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required Yes
Kidney disease education services	$0 Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required No Referral required No
Medicare-covered chiropractic	$15.00 copay Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required No Referral required No
Medicare-covered foot care	$0.00 to $30.00 copay Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required No Referral required No
Other health professionals	$0.00 to $30.00 copay Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	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: $300.00 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: $300.00 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	Point-of-service	What to know
Outpatient hospital care	$0.00 to $225.00 copay Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year
Hospital observation services	$225.00 copay Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year
Ambulatory surgical center	$0.00 to $110.00 copay Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required Yes Referral required No
Outpatient blood	$0 Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required No Referral required No

Tests, imaging and laboratory services

Tests, imaging and laboratory services and member costs
Service	In-network	Point-of-service	What to know
Diagnostic procedures and tests	$0.00 to $150.00 copay Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required Yes Referral required No
Laboratory services	$0 Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required Yes Referral required No
Diagnostic radiology (CT, MRI)	$0.00 to $200.00 copay Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required Yes Referral required No
Therapeutic radiology	$35.00 copay Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required Yes Referral required No
X-rays	$35.00 copay Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required Yes Referral required No

Mental health and substance use treatment

Mental health and substance use treatment and member costs
Service	In-network	Point-of-service	What to know
Partial hospitalization	$55.00 copay Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required Yes Referral required No
Intensive outpatient program	$55.00 copay Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required Yes Referral required No
Substance use treatment, individual sessions	$0 Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required No Referral required No
Substance use treatment, group sessions	$0 Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required No Referral required No
Opioid treatment program	$0 Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required Yes Referral required No
Mental health, individual sessions	$0 Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required No Referral required No
Mental health, group sessions	$0 Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required No Referral required No
Psychiatry, individual sessions	$0 Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required No Referral required No
Psychiatry, group sessions	$0 Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required No Referral required No

Therapy and rehabilitation

Therapy and rehabilitation and member costs
Service	In-network	Point-of-service	What to know
Occupational therapy	$10.00 copay Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required No Referral required No
Physical and speech therapy	$10.00 copay Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required Yes Referral required No
Cardiac rehabilitation	$0 Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required Yes Referral required No
Intensive cardiac rehabilitation	$0 Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required Yes Referral required No
Pulmonary rehabilitation	$0 Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required Yes Referral required No
Supervised exercise for peripheral artery disease	$0 Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required Yes Referral required No

Ambulance, medical equipment and supplies

Ambulance, medical equipment and supplies and member costs
Service	In-network	Point-of-service	What to know
Ground ambulance	$250.00 copay Service-specific deductible No	Not summarized. Check coverage with the plan.	Approval required Yes
Air ambulance	$250.00 copay Service-specific deductible No	Not summarized. Check coverage with the plan.	Approval required Yes
Durable medical equipment	20% coinsurance Service-specific deductible No	Not summarized. Check coverage with the plan.	Approval required Yes
Prosthetic devices	20% coinsurance Service-specific deductible No	Not summarized. Check coverage with the plan.	Approval required Yes
Medical supplies	20% coinsurance Service-specific deductible No	Not summarized. Check coverage with the plan.	Approval required Yes
Diabetic supplies	$0 Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required No
Diabetic shoes and inserts	$0 Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required No
Diabetic monitors	0% to 20% coinsurance Service-specific deductible No	Not summarized. Check coverage with the plan.	Approval required No

Dental benefits

Dental benefits and member costs
Service	In-network	Point-of-service
Medicare-covered dental	$0.00 to $30.00 copay	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year
Oral examsAdditional plan benefit	$0	Not summarized. Check coverage with the plan.
Dental X-raysAdditional plan benefit	$0	Not summarized. Check coverage with the plan.
Dental cleaningAdditional plan benefit	$0	Not summarized. Check coverage with the plan.
FluorideAdditional plan benefit	$0	Not summarized. Check coverage with the plan.
Restorative dental careAdditional plan benefit	50% to 75% coinsurance	Not summarized. Check coverage with the plan.
Root canal treatment (endodontics)Additional plan benefit	50% coinsurance	Not summarized. Check coverage with the plan.
Gum treatment (periodontics)Additional plan benefit	$0	Not summarized. Check coverage with the plan.
Oral surgeryAdditional plan benefit	0% to 50% coinsurance	Not summarized. Check coverage with the plan.

Vision benefits

Vision benefits and member costs
Service	In-network	Point-of-service	What to know
Medicare-covered eye exams	$0.00 to $30.00 copay Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required Yes Referral required No
Routine eye examsAdditional plan benefit	$0	Not summarized. Check coverage with the plan.	Approval required Yes Referral required No
Medicare-covered eyewear	$0 Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required No Referral required No
Contact lensesAdditional plan benefit	$0	Not summarized. Check coverage with the plan.	Approval required No Referral required No
Eyeglasses, lenses and framesAdditional plan benefit	$0	Not summarized. Check coverage with the plan.	Approval required No Referral required No
Eyeglass lensesAdditional plan benefit	$0	Not summarized. Check coverage with the plan.	Approval required No Referral required No
Eyeglass framesAdditional plan benefit	$0	Not summarized. Check coverage with the plan.	Approval required No Referral required No

Hearing benefits

Hearing benefits and member costs
Service	In-network	Point-of-service	What to know
Medicare-covered hearing exams	$0.00 to $30.00 copay Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required Yes Referral required No
Routine hearing examsAdditional plan benefit	$0	Not summarized. Check coverage with the plan.	Approval required Yes Referral required No
Hearing aid fitting and evaluationAdditional plan benefit	$0	Not summarized. Check coverage with the plan.	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	Not summarized. Check coverage with the plan.	Approval required No Referral required No

Extra benefits

Extra benefits and member costs
Service	In-network	Point-of-service	What to know
Over-the-counter health itemsAdditional plan benefit	$0 Service-specific deductible No	Not summarized. Check coverage with the plan.
Limited-duration mealsAdditional plan benefit	$0 Service-specific deductible No	Not summarized. Check coverage with the plan.	Approval required No Referral required No
Annual physical examAdditional plan benefit	$0 Service-specific deductible No	20% coinsurance Deductible applies No Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year	Approval required No Referral required No
Fitness benefitAdditional plan benefit	$0 Service-specific deductible No	Not summarized. Check coverage with the plan.	Approval required No Referral required No

Additional services and network costs

Additional network details

These costs apply to the listed service categories and networks.

Additional medical services: additional out-of-network or point-of-service benefits
Service	Network	Your share of the cost	What to know
Medicare-covered preventive servicesMedicare-covered care	Point-of-service	20% coinsurance Deductible applies No	Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year
Glaucoma ScreeningMedicare-covered care	Point-of-service	20% coinsurance Deductible applies No	Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year
Diabetes Self-Management TrainingMedicare-covered care	Point-of-service	20% coinsurance Deductible applies No	Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year
Digital Rectal ExamsMedicare-covered care	Point-of-service	20% coinsurance Deductible applies No	Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year
EKG after a Welcome to Medicare visitMedicare-covered care	Point-of-service	20% coinsurance Deductible applies No	Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year
Medicare Part B insulinMedicare-covered care	Point-of-service	20% coinsurance Deductible applies No	Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year
Routine Chiropractic CareAdditional plan benefit	Point-of-service	20% coinsurance Deductible applies No	Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year
Other Chiropractic ServicesAdditional plan benefit	Point-of-service	20% coinsurance Deductible applies No	Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year
Nutritional/Dietary BenefitAdditional plan benefit	Point-of-service	20% coinsurance Deductible applies No	Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year
Additional Sessions of Smoking and Tobacco Cessation CounselingAdditional plan benefit	Point-of-service	20% coinsurance Deductible applies No	Dollar benefit limit applies Yes Benefit allowance $1,000.00 How often this limit applies Every year

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

Costs shown are for initial coverage.

Preferred retail costs

On a small screen, scroll the table sideways to compare all fill lengths.

Preferred retail: initial-coverage cost per prescription fill
Drug tier	30 days	60 days	90 days
Tier 1Preferred Generic	$0.00	$0.00	Not listed
Tier 2Generic	$8.00	$16.00	$24.00
Tier 3Preferred Brand	20%	20%	20%
Tier 4Non-Preferred Drug	41%	41%	41%
Tier 5Specialty Tier	33%	Not listed	Not listed

Preferred retail: initial-coverage cost per prescription fill (continued: 100 days)
Drug tier	100 days
Tier 1Preferred Generic	$0.00

Standard retail costs

On a small screen, scroll the table sideways to compare all fill lengths.

Standard retail: initial-coverage cost per prescription fill
Drug tier	30 days	60 days	90 days
Tier 1Preferred Generic	$7.00	$14.00	Not listed
Tier 2Generic	$14.00	$28.00	$42.00
Tier 3Preferred Brand	22%	22%	22%
Tier 4Non-Preferred Drug	43%	43%	43%
Tier 5Specialty Tier	33%	Not listed	Not listed

Standard retail: initial-coverage cost per prescription fill (continued: 100 days)
Drug tier	100 days
Tier 1Preferred Generic	$21.00

Mail-order and other pharmacies

Out-of-network pricing: You pay the standard retail copay or coinsurance, plus any difference between the pharmacy’s billed charge and the amount the plan allows at a standard retail pharmacy.

Preferred mail order costs

On a small screen, scroll the table sideways to compare all fill lengths.

Preferred mail order: initial-coverage cost per prescription fill
Drug tier	30 days	60 days	90 days
Tier 1Preferred Generic	$0.00	$0.00	Not listed
Tier 2Generic	$8.00	$16.00	$0.00
Tier 3Preferred Brand	20%	20%	20%
Tier 4Non-Preferred Drug	41%	41%	41%
Tier 5Specialty Tier	33%	Not listed	Not listed

Preferred mail order: initial-coverage cost per prescription fill (continued: 100 days)
Drug tier	100 days
Tier 1Preferred Generic	$0.00

Standard mail order costs

On a small screen, scroll the table sideways to compare all fill lengths.

Standard mail order: initial-coverage cost per prescription fill
Drug tier	30 days	60 days	90 days
Tier 1Preferred Generic	$7.00	$14.00	Not listed
Tier 2Generic	$14.00	$28.00	$42.00
Tier 3Preferred Brand	22%	22%	22%
Tier 4Non-Preferred Drug	43%	43%	43%
Tier 5Specialty Tier	33%	Not listed	Not listed

Standard mail order: initial-coverage cost per prescription fill (continued: 100 days)
Drug tier	100 days
Tier 1Preferred Generic	$21.00

Long-term care pharmacy costs

Long-term care pharmacy: initial-coverage cost per prescription fill
Drug tier	31 days
Tier 1Preferred Generic	$0.00
Tier 2Generic	$8.00
Tier 3Preferred Brand	20%
Tier 4Non-Preferred Drug	41%
Tier 5Specialty Tier	33%

Out-of-network pharmacy costs

Out-of-network pharmacy: initial-coverage cost per prescription fill
Drug tier	30 days
Tier 1Preferred Generic	$7.00
Tier 2Generic	$14.00
Tier 3Preferred Brand	22%
Tier 4Non-Preferred Drug	43%
Tier 5Specialty Tier	33%

Drug coverage rules and exceptions

Tier 1: Preferred Generic

Drugs included in this tier: Both Part D and Excluded Drugs
Longer fills available for every covered drug: No
Some longer-fill prescriptions require a one-month first fill: No

Tier 2: Generic

Drugs included in this tier: Both Part D and Excluded Drugs
Longer fills available for every covered drug: No
Some longer-fill prescriptions require a one-month first fill: No

Tier 3: Preferred Brand

Drugs included in this tier: Part D Drugs Only
Longer fills available for every covered drug: No
Some longer-fill prescriptions require a one-month first fill: No

Tier 4: Non-Preferred Drug

Drugs included in this tier: Part D Drugs Only
Longer fills available for every covered drug: No
Some longer-fill prescriptions require a one-month first fill: No

Tier 5: Specialty Tier

Drugs included in this tier: Part D Drugs Only

Special cost protections apply to covered insulin and recommended adult vaccines.

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