Benefits Plans - health plans: Plan Summary - HMOs

HMOs usually offer higher benefits and broader coverage than traditional plans at a lower overall out-of-pocket cost. You usually pay no deductible, and benefits are generally paid at 100% after a small co-pay. Plus, you do not have to file claim forms. However, you are limited to the HMO’s network of doctors and hospitals. Health Alliance Plan is an HMO.

Some HMOs have their own clinics with staff doctors, while others contract with doctors in private practice. Each HMO has its own provider directory listing doctors, hospitals and other facilities in the network. Contact the HMO directly to receive a current provider directory.

The HMO Service Area chart below shows the Michigan counties in which the HMO operates. Be sure to review this information before choosing an HMO.

Important

HMO participating providers are always subject to change. Before you enroll in a new HMO, check the provider directory to make sure it includes a doctor of your choice. Call the HMO directly for a provider directory.

HMO Service Areas

Health Alliance Plan Genesee, Lapeer, Livingston, Macomb, Monroe, Oakland, St. Clair, Washtenaw, and Wayne counties.
Limitations
The University of Michigan in its sole discretion may modify, amend, or terminate the benefits provided with respect to any individual receiving benefits, including active employees, retirees, and their dependents. Although the university has elected to provide these benefits this year, no individual has a vested right to any of the benefits provided. Nothing in these materials gives any individual the right to continued benefits beyond the time the university modifies, amends, or terminates the benefit. Anyone seeking or accepting any of the benefits provided will be deemed to have accepted the terms of the benefits programs and the university's right to modify, amend or terminate them.