Two HMOs are available:  

1. Priority Health HMO
2. Health Alliance Plan

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.

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 Areas chart below shows the Michigan counties in which each HMO operates. Be sure to review this information before choosing an HMO to find one close to home.

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

This HMO	Has Facilities in the Following Michigan Counties
Priority Health	Ingham, Jackson, Lenawee, Livingston, Macomb, Monroe, Oakland, St. Clair, Washtenaw, Wayne and additional Western Michigan counties.
Health Alliance Plan	Genesee, Lapeer, Livingston, Macomb, Monroe, Oakland, St. Clair, Washtenaw, and Wayne counties.