HAP CareSource in Michigan
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By Wiley Long III, President – HSA for America
Reviewed by Whitney Kline – Fact checked by Mike Montes – Updated December 11, 2024
All You Need To Know About HAP CareSource
HAP CareSource, a mission-driven health insurance plan, is one of the most accessible providers of comprehensive care plans in Michigan, offering affordability, personalized support, and exceptional service.
Health Alliance Plan (HAP), a Michigan-based nonprofit health plan, and CareSource, an Ohio-based nonprofit managed care health plan operating in seven states, have partnered to create HAP CareSource. This collaboration aims to expand access to quality healthcare for Michigan residents through a combined Medicaid offering and a planned re-entry into the Health Insurance Marketplace.
Serving more than 2 million members, CareSource focuses on redefining the healthcare experience by simplifying processes, promoting affordability, and addressing the social determinants of health.
HAP CareSource Marketplace plans are only available in six counties in Michigan: Genesee, Lapeer, Macomb, Oakland, Shiawassee, and Wayne.
HAP CareSource Key Benefits
Affordable Plans
HAP CareSource offers some of the most affordable plans on the Health Insurance Marketplace. With low monthly premiums, generic drug copays starting at $0, and an expansive provider network, members can receive quality care without straining their budgets.
Comprehensive Health Coverage
Plans cover a broad spectrum of services including preventative and wellness services, emergency services, mental health management, maternity, pregnancy and newborn care, laboratory services, outpatient care, and prescription drug services.
Specialist Services
For those in need of specialist support, HAP CareSource offers plans tailored to the needs of those with diabetes and heart-related conditions. Plus, no referrals are required to see a specialist, making access to expertise easy.
Extensive Provider Network
Members enjoy access to over 10,000 doctors, including providers from the Ascension St. John, Henry Ford, DMC, and Beaumont systems. Plan holders can even access additional benefits like transportation to appointments, 24/7 help lines, and telehealth solutions.
Cost Savings
Nearly 80% of Marketplace enrollees qualify for government-funded subsidies that lower the overall cost of coverage. Eligibility for these subsidies is determined through the Health Insurance Marketplace and applied directly to your plan costs.
Low Copays
HAP CareSource plans have some of the lowest in-network retail clinic or primary care copays. Many benefits, including urgent care, primary and specialist care, and retail preferred brand name drugs are also available before you satisfy your deductible with most plans.
HAP CareSource Plan Options
Bronze
Ideal for individuals with minimal healthcare needs, Bronze plans offer the lowest premiums but higher deductibles. These plans are great for protecting against major medical expenses. CareSource offers various different Bronze plan options, so members can select the solution that best fits their budget and healthcare requirements.
Silver
Silver plans balance affordability with comprehensive benefits, offering reduced out-of-pocket costs for those eligible for cost-sharing reductions (CSRs). These are the only plans that offer CSRs in addition to premium tax credits. There are also tailored options available, such as Diabetes plans, and Healthy heart plans for heart-related medications and care.
Gold
For those with more significant medical needs, the Gold plan supports lower deductibles and out-of-pocked costs. With a gold plan, the amount you pay for each health service is less than you’d pay for a silver or health plan, but monthly premiums are higher.
How to Enroll
Join the hundreds of thousands of CareSource plan members that have discovered the benefits of flexible plan options tailored to their specific requirements.
1. Select your State above, then click “Instant Quote” to get started.
2. Enter your personal information into the quote form then continue.
3. Find the plan you want and click “Add to Cart”.
4. Then finally, enter your payment information at check out and complete the application process.
You can also give us a call at 800-913-0172, or schedule a free phone consultation and we’ll help you get signed up for HAP CareSource plans.
HAP CareSource Pros and Cons
Pros
- Vision and Fitness Benefits: Plans include routine eye exams, allowances for glasses, and access to fitness programs.
- Low Copays: Affordable copays for primary and specialty care, telehealth, and urgent care services.
- Prescription Drug Benefits: $0 copay for generic drugs and access to an extensive list of brand-name medications.
- Preventive Care Coverage: No copays or coinsurance for preventive services.
- Telehealth Access: Free telehealth visits through Teladoc® for short-term illnesses.
- Hearing Benefits: Discounts on hearing aids and free routine screenings through TruHearing.
Cons
- High Deductibles for Bronze Plans: Low premiums come with higher out-of-pocket costs.
- Higher Premiums for Gold Plans: While offering better coverage, Gold plans may strain monthly budgets.
- Eligibility Complexity: Confirming eligibility for subsidies and specific programs can be challenging.
HAP CareSource Frequently Asks Questions
Q: How do I know if I qualify for government subsidies?
A: Subsidy eligibility depends on your income and household size.
When you apply through the Health Insurance Marketplace, your information is reviewed to determine qualification.
If eligible, subsidies can significantly lower premiums and out-of-pocket costs, making HAP CareSource plans more affordable for you and your family.
Q: Are there low-cost prescription options?
A: Yes, via the Sedera health sharing platform.
Sharing for chiropractic servicesA: HAP CareSource plans include excellent prescription drug coverage.
Generic medications often have $0 copays, while brand-name drugs are offered at discounted rates.
This ensures members have access to affordable medications for chronic conditions or short-term illnesses, reducing financial barriers to necessary treatments and improving overall health.
Q: What preventive care is covered?
A: Yes, HAP CareSource includes an extensive network with over 10,000 doctors.
It partners with major healthcare systems like Ascension St. John Beaumont, Henry Ford, and DMC.
Members also have the flexibility to access high-quality providers to meet their individual healthcare needs without additional restrictions.
Q: What preventive care is covered?
A: Preventive services, including annual check-ups, screenings, and vaccinations, are fully covered with no copays or coinsurance.
HAP CareSource emphasizes proactive health management to help members stay healthy and avoid costly medical complications.
These services are designed to address common health issues before they become serious.
Q: Is telehealth included in my plan?
A: Yes, HAP CareSource offers telehealth services through Teladoc® at no additional cost.
Members can consult with licensed physicians by phone or video, receive diagnoses, and even get prescriptions.
This convenient option provides immediate care for short-term illnesses and saves time compared to traditional office visits.
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We’re Here to Help
HSA for America can offer you free and professional advice so you can make the best choice possible regarding your health care plan. Your Personal Benefits Manager is available to answer any questions about HAP CareSource in Michigan health plans, ultimately maximizing the amount of money you can save annually while truly understanding the type of health care you will receive. Reach us at 800-913-0172 or run an instant quote below.
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