2023 HAP Senior Plus Option 2 (HMO-POS)

HAP Senior Plus Option 2 (HMO-POS) H2354-022 is a 2023 Medicare Advantage Plan or Part-C by HAP Senior Plus available to residents in Michigan. This plan includes extra prescription drug (Part-D) coverage. HAP Senior Plus HAP Senior Plus Option 2 (HMO-POS) has a monthly premium of $190.00 and has an in-network maximum out-of-pocket limit of $4,000 (MOOP). This means that if you get sick or need a high-cost procedure the co-pays are capped once you pay $4,000 out-of-pocket. This can be an extremely nice safety net.

HAP Senior Plus works with Medicare to provide significant coverage beyond Part A and Part B benefits. If you decide to sign up for HAP Senior Plus Option 2 (HMO-POS) you still retain Original Medicare. But you will get extra Part A (Hospital Insurance) and Part B (Medical Insurance) coverage from HAP Senior Plus and not Original Medicare. With 2023 Medicare Advantage Plan you are always covered for urgently needed and emergency care. Plus, you receive all the benefits of Original Medicare from HAP Senior Plus except hospice care. Original Medicare still provides you with hospice care if you sign up for Medicare Advantage in Michigan.

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Benefits
Monthly Costs
Formulary and Drugs
Gap coverage
Premium Assistance
MOOP
Reviews
Coverage Area

2023 HAP Senior Plus Medicare Advantage Plan Overview

Name:	HAP Senior Plus Option 2 (HMO-POS)
Plan ID:	H2354 022 0
Provider:	HAP Senior Plus
Year:	2023
Type:	Local HMO
Combined Premium (C+D):	$190.00/mo
Part C Premium:	$120.20/mo
MOOP:	$4,000/yr
Part D (Drug) Premium:	$69.80/mo
Part D Supplemental Premium	$0/mo
Total Part D Premium:	$69.80/mo
Drug Deductible:	$0/yr
Tiers with No Deductible:	0
Gap Coverage:	Yes
Benchmark:	Not below the regional benchmark
Type of Medicare Health:	Enhanced Alternative
Drug Benefit Type:	Enhanced
Similar Plan:	H2354-024

What type of plan is HAP Senior Plus Option 2 (HMO-POS)

HAP Senior Plus Option 2 (HMO-POS) is a Local HMO. With a health maintenance organization (HMO) you will be required to receive most of your health care from an in-network provider. Health maintenance organizations require that you select a primary care physician (PCP). Your primary care physician will serve as your personal doctor to provide all of your basic healthcare services. If you require specialized care or a physician specialist, your primary care physician will make the arrangements and inform you where you can go in the network. You will need your primary care physician approval, called a referral. Services received from an out-of-network provider are not typically covered.

With a HMO-POS point-of-service you have the option to go out-of-network or see a specialist without a referral. But, you may pay more for out-of-network care you receive than from an in-network provider.

How much does HAP Senior Plus Option 2 (HMO-POS) cost?

Monthly Premium

A monthly premium is the fee you pay to the plan in exchange for coverage. HAP Senior Plus charges a $190.00 consolidated premium. The Part C premium is $120.20 this charge covers Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.

Part-D Deductible and Premium

An annual deductible is the amount you pay out-of-pocket for your prescription drugs before your plan begins to pay. HAP Senior Plus Option 2 (HMO-POS) has a monthly drug premium of $69.80 and a $0 drug deductible. This HAP Senior Plus plan offers a $69.80 Part-D Basic Premium that is Not below the regional benchmark. This covers the basic prescription benefit only and does not cover enhanced drug benefits such as medical benefits or hospital benefits. The Part D Supplemental Premium is $0. This Premium covers any enhanced plan benefits offered by HAP Senior Plus above and beyond the standard PDP benefits. This can include extra coverage in the gap, lower co-payments, and coverage of non-Part D drugs. The Part D Total Premium is $69.80. The Part D Total Premium is the addition of supplemental and basic premiums for some plans this amount can be lowered due to negative basic or supplemental premiums.

HAP Senior Plus Gap Coverage

In 2023 once you and your plan provider have spent $4660 on covered drugs. (Combined amount plus your deductible) You will be in the coverage gap. (AKA "donut hole") You will be required to pay 25% for prescription drugs unless your plan offers extra coverage. This HAP Senior Plus plan does offer extra coverage through the gap.

Extra Help Premium Assistance

The Low Income Subsidy (LIS) Extra Helps people with Medicare pay for prescription drugs and lowers the costs of Medicare prescription drug coverage. Income limits are based on the Federal Poverty Level (FPL), which changes every year in February or March. The 2022 income limit is $1,719 ($2,309 for couples) per month. Depending on your income level you may be eligible for a full 75%, 50%, 25% premium assistance. The HAP Senior Plus Option 2 (HMO-POS) medicare insurance offers a $37.10 premium obligation if you receive a full low-income subsidy (LIS) assistance. And the payment is $45.30 for 75% low-income subsidy $53.50 for 50% and $61.60 for 25%.

Full Assistance Premium:	$37.10
75% Assistance Premium:	$45.30
50% Assistance Premium:	$53.50
25% Assistance Premium:	$61.60

MOOP

The maximum out-of-pocket (MOOP) is a yearly limit on your out-of-pocket costs. HAP Senior Plus Option 2 (HMO-POS) by HAP Senior Plus MOOP is $4,000. Once you spend $4,000 you will pay nothing for Part A or Part B covered services. Copayments and coinsurance for Medicare approved services apply toward your out-of-pocket limit. Remember Original Medicare (Parts A and B) doesn’t have a MOOP.

Formulary and Drug Coverage

HAP Senior Plus Option 2 (HMO-POS) formulary is divided into tiers or levels of coverage based on usage and according to the medication costs. Each tier will have a defined copay that you must pay to receive the drug. Drugs in lower tiers will usually cost less than those in higher tiers. By reviewing different Medicare Drug formularies, you can pick a Medicare Advantage plan that covers your medications. Additionally, you can choose a plan that has your drugs listed at a lower price.

Drug Tier	Copay Preferred Pharmacy	Copay Nonpreferred Pharmacy
Tier 1	$0	$7
Tier 2	$10	$16
Tier 3	$42	$47
Tier 4	48%	50%
Tier 5	33%	33%
Tier 6	$0	$0

The complete HAP Senior Plus Option 2 (HMO-POS) Formulary.
*Initial Coverage Phase and 30 day supply

2023 Summary of Benefits

The benefit information provided is a summary of what HAP Senior Plus Option 2 (HMO-POS) covers and what you pay (such as copayments and coinsurance amounts) for certain common medical events. The Summary of Benefits from HAP Senior Plus helps get an idea of how much financial protection the plan is generally expected to provide for common health conditions. This section also contains information on coverage for in-network and out-of-network providers.

Wellness programs (e.g., fitness, nursing hotline)	Covered

Contact lenses

In-Network Vision	$0 copay

Eyeglass frames

In-Network Vision	$0 copay

Eyeglass lenses

In-Network Vision	$0 copay

Eyeglasses (frames and lenses)

In-Network Vision	$0 copay

Other

Vision	Not covered

Routine eye exam

Out-of-Network Vision	20% coinsurance
In-Network Vision	$0 copay

Upgrades

Vision	Not covered

In-Network Transportation	$0 copay
Out-of-Network Skilled Nursing Facility	20% per stay
In-Network Skilled Nursing Facility	$0 per day for days 1 through 20 $196 per day for days 21 through 100

Occupational therapy visit

Out-of-Network Rehabilitation services	20% coinsurance
In-Network Rehabilitation services	$10 copay

Physical therapy and speech and language therapy visit

In-Network Rehabilitation services	$10 copay
Out-of-Network Rehabilitation services	20% coinsurance

Cleaning

In-Network Preventive dental	$0 copay

Dental x-ray(s)

In-Network Preventive dental	$0 copay

Fluoride treatment

In-Network Preventive dental	$0 copay

Oral exam

In-Network Preventive dental	$0 copay

In-Network Preventive care	$0 copay
Out-of-Network Preventive care	20% coinsurance
Out-of-Network Outpatient hospital coverage	20% coinsurance per visit
In-Network Outpatient hospital coverage	$110 copay per visit
In-Network Other health plan deductibles?	No
Optional supplemental benefits	Yes

Inpatient hospital - psychiatric

In-Network Mental health services	$145 per day for days 1 through 7 $0 per day for days 8 through 90
Out-of-Network Mental health services	20% per stay

Outpatient group therapy visit

In-Network Mental health services	$10 copay
Out-of-Network Mental health services	20% coinsurance

Outpatient group therapy visit with a psychiatrist

In-Network Mental health services	$10 copay
Out-of-Network Mental health services	20% coinsurance

Outpatient individual therapy visit

Out-of-Network Mental health services	20% coinsurance
In-Network Mental health services	$10 copay

Outpatient individual therapy visit with a psychiatrist

Out-of-Network Mental health services	20% coinsurance
In-Network Mental health services	$10 copay

Chemotherapy

Out-of-Network Medicare Part B drugs	20% coinsurance
In-Network Medicare Part B drugs	20% coinsurance

Other Part B drugs

Out-of-Network Medicare Part B drugs	20% coinsurance
In-Network Medicare Part B drugs	20% coinsurance

Diabetes supplies

In-Network Medical equipment/supplies	0-20% coinsurance per item
Out-of-Network Medical equipment/supplies	20% coinsurance per item

Durable medical equipment (e.g., wheelchairs, oxygen)

Out-of-Network Medical equipment/supplies	20% coinsurance per item
In-Network Medical equipment/supplies	20% coinsurance per item

Prosthetics (e.g., braces, artificial limbs)

Out-of-Network Medical equipment/supplies	20% coinsurance per item
In-Network Medical equipment/supplies	20% coinsurance per item

Maximum out-of-pocket enrollee responsibility (does not include prescription drugs)	$4,000 In and Out-of-network $4,000 In-network
Out-of-Network Inpatient hospital coverage	20% per stay
In-Network Inpatient hospital coverage	$145 per day for days 1 through 7 $0 per day for days 8 through 90

Fitting/evaluation

In-Network Hearing	$0 copay
Out-of-Network Hearing	20% coinsurance

Hearing aids

In-Network Hearing	$689-2,039 copay

Hearing exam

In-Network Hearing	$10-30 copay
Out-of-Network Hearing	20% coinsurance

Health plan deductible	$0
In-Network Ground ambulance	$225 copay
Out-of-Network Ground ambulance	20% coinsurance

Foot exams and treatment

In-Network Foot care (podiatry services)	$0-30 copay
Out-of-Network Foot care (podiatry services)	20% coinsurance

Routine foot care

Foot care (podiatry services)	Not covered

Emergency

Emergency care/Urgent care	$90 copay per visit (always covered)

Urgent care

Emergency care/Urgent care	$10-55 copay per visit (always covered)

Primary

In-Network Doctor visits	$10 copay per visit
Out-of-Network Doctor visits	20% coinsurance per visit

Specialist

In-Network Doctor visits	$30 copay per visit
Out-of-Network Doctor visits	20% coinsurance per visit

Diagnostic radiology services (e.g., MRI)

In-Network Diagnostic procedures/lab services/imaging	$0-150 copay
Out-of-Network Diagnostic procedures/lab services/imaging	20% coinsurance

Diagnostic tests and procedures

In-Network Diagnostic procedures/lab services/imaging	$0-100 copay
Out-of-Network Diagnostic procedures/lab services/imaging	20% coinsurance

Lab services

Out-of-Network Diagnostic procedures/lab services/imaging	20% coinsurance
In-Network Diagnostic procedures/lab services/imaging	$0 copay

Outpatient x-rays

In-Network Diagnostic procedures/lab services/imaging	$0 copay
Out-of-Network Diagnostic procedures/lab services/imaging	20% coinsurance

Diagnostic services

Comprehensive dental	Not covered

Endodontics

In-Network Comprehensive dental	50% coinsurance

Extractions

In-Network Comprehensive dental	50% coinsurance

Non-routine services

Comprehensive dental	Not covered

Periodontics

In-Network Comprehensive dental	$0 copay

Prosthodontics, other oral/maxillofacial surgery, other services

In-Network Comprehensive dental	50% coinsurance

Restorative services

In-Network Comprehensive dental	50% coinsurance

In-Network Additional benefits and/or reduced cost-sharing for enrollees with certain health conditions?	No

HAP Senior Plus Option 2 (HMO-POS) Reviews

Is HAP Senior Plus Option 2 (HMO-POS) a good plan? HAP Senior Plus Option 2 (HMO-POS) received a 4.5 overall star rating from the CMS. The CMS uses a Star Rating System to measure how well Medicare Advantage and Part D plans perform. Plans are rated on a one-to-five scale, with one star representing poor performance and five stars representing excellent performance. Medicare Advantage with prescription drug (Part D) coverage (MA-PD) contracts are rated on up to 38 unique quality and performance measures. You can use the CMS star rating to compare HAP Senior Plus Option 2 Reviews among several different plans.

2022 Overall Rating
Part C Summary Rating
Part-D Summary Rating
Staying Healthy: Screenings, Tests, Vaccines
Managing Chronic (Long Term) Conditions
Member Experience with Health Plan
Complaints and Changes in Plans Performance
Health Plan Customer Service
Drug Plan Customer Service
Complaints and Changes in the Drug Plan
Member Experience with the Drug Plan
Drug Safety and Accuracy of Drug Pricing

Staying Healthy, Screening, Testing, & Vaccines

Total Preventative Rating
Breast Cancer Screening
Colorectal Cancer Screening
Annual Flu Vaccine
Monitoring Physical Activity

Managing Chronic And Long Term Care for Older Adults

Total Rating
SNP Care Management
Medication Review
Pain Assessment
Osteoporosis Management
Diabetes Care - Eye Exam
Diabetes Care - Kidney Disease
Diabetes Care - Blood Sugar
Controlling Blood Pressure
Reducing Risk of Falling
Improving Bladder Control
Medication Reconciliation
Statin Therapy

Member Experience with H2354-022 Health Plan

Total Experience Rating
Getting Needed Care
Getting Appointments
Customer Service
Health Care Quality
Rating of Health Plan
Care Coordination

Member Complaints and Changes in Plans Performance

Total Rating
Complaints about Health Plan
Members Leaving the Plan
Health Plan Quality Improvement

Health Plan Customer Service Rating for HAP Senior Plus

Total Customer Service Rating
Timely Decisions About Appeals
Reviewing Appeals Decisions
Call Center, TTY, Foreign Language

Drug Plan Customer Service Ratings

Total Rating
Call Center, TTY, Foreign Language

Ratings For Member Complaints and Changes in the Drug Plans Performance

Total Rating
Complaints about the Drug Plan
Members Choosing to Leave the Plan
Drug Plan Quality Improvement

Member Experience with the Drug Plan

Total Rating
Rating of Drug Plan
Getting Needed Prescription Drugs

Drug Safety and Accuracy of Drug Pricing

Total Rating
MPF Price Accuracy
Drug Adherence for Diabetes Medications
Drug Adherence for Hypertension (RAS antagonists)
Drug Adherence for Cholesterol (Statins)
MTM Program Completion Rate for CMR
Statin with Diabetes

Coverage Area

(Click county or state to compare all available Advantage plans)

The availability of Medicare Advantage Plans will vary according to your region. This is why the Coverage Area matters in terms of Medicare eligibility. You will always be eligible for Original Medicare, but eligibility for HAP Senior Plus Option 2 (HMO-POS) requires you to live in that plan’s service area. The service area is listed below:

State:

Michigan Medicare

County:

Arenac County MA Plans

Bay County MA Plans

Clare County MA Plans

Clinton County MA Plans

Eaton County MA Plans

Genesee County MA Plans

Gladwin County MA Plans

Gratiot County MA Plans

Hillsdale County MA Plans

Huron County MA Plans

Ingham County MA Plans

Ionia County MA Plans

Iosco County MA Plans

Isabella County MA Plans

Jackson County MA Plans

Lapeer County MA Plans

Lenawee County MA Plans

Livingston County MA Plans

Macomb County MA Plans

Midland County MA Plans

Monroe County MA Plans

Montcalm County MA Plans

Oakland County MA Plans

Saginaw County MA Plans

Sanilac County MA Plans

Shiawassee County MA Plans

St Clair County MA Plans

Tuscola County MA Plans

Washtenaw County MA Plans

Wayne County MA Plans

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How much does HAP Senior Plus Option 2 (HMO-POS) cost?

HAP Senior Plus charges a $190.00 consolidated monthly premium. A monthly premium is the fee you pay to the plan in exchange for coverage of Medicare medical, hospital benefits and supplemental benefits if offered. You generally are also responsible for paying the Part B premium.

How much is HAP Senior Plus Option 2 (HMO-POS) MOOP?

The maximum out-of-pocket (MOOP) is a yearly limit on your out-of-pocket costs. HAP Senior Plus Option 2 (HMO-POS) by HAP Senior Plus MOOP is $4,000. Once you spend $4,000 you will pay nothing for Part A or Part B covered services.

What type of plan is HAP Senior Plus Option 2 (HMO-POS)?

HAP Senior Plus Option 2 (HMO-POS) is a Local HMO. With a health maintenance organization you will be required to receive most of your health care from an in-network provider. HMOs require that you select a primary care physician (PCP).

With a HMO-POS point-of-service you have the option to go out-of-network or see a specialist without a referral. But, you may pay more for out-of-network care you receive than from an in-network provider.

Is HAP Senior Plus Option 2 (HMO-POS) a good plan?

HAP Senior Plus Option 2 (HMO-POS) received a 4.5 overall star rating from the CMS. The CMS uses a Star Rating System to measure how well plans perform. Plans are rated on a one-to-five scale, with one star representing poor performance and five stars representing excellent performance.

Source:CMS. Data as of Oct 1, 2022.

Last updated on December 03, 2022

Notes: Data are subject to change as contracts are finalized. For 2023, enhanced alternative may offer extra cost sharing reductions in the gap on a sub-set of the formulary drugs, beyond the standard Part-D benefit. Includes 2023 approved contracts. Employer sponsored 800 series and plans under sanction are excluded.