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Henry Ford Select (HMO)
Benefits Summary and Overview
This page is a benefits summary and overview of key plan information for Henry Ford Select (HMO). The information on this page is a summary only.
For a complete listing of all available benefits and cost information on Henry Ford Select (HMO) in 2026, please refer to our full plan details page.
Henry Ford Select (HMO) is a HMO plan offered by Henry Ford Health System available for enrollment in 2025 to people living in Central, Southwest and Southeast Michigan Counties. This plan received an overall rating of 4 out of 5 stars in 2026.
It's important to know that Henry Ford Select (HMO) is a Medicare Advantage (MA) Plan with drug coverage. That means that this plan covers both medical services and prescription drugs.
Key Plan Facts
Below are a few key facts and commonly-asked questions about Henry Ford Select (HMO).
Plan Costs:
The cost of a Medicare Advantage Plan is made up of four main parts.
- First, the monthly premium — the amount you pay every month.
- Second, the deductible — the amount you pay out of pocket for covered services before the plan starts paying.
- Third, the copayments and coinsurance — the amounts you pay out of pocket for covered services, usually after meeting the deductible (if applicable). Copays are fixed dollar amounts; coinsurance is a percentage of the cost.
- Fourth, the Out-of-Pocket Maximum — the maximum amount you could have to pay out of pocket in a year. This may be different for in-network and out-of-network services.
For Henry Ford Select (HMO), the main costs are as follows:
Monthly Premium
The Monthly Premium for this plan is $0.00. This is the amount you must pay every month.
This plan does not come with a Part B Premium reduction. You must continue to pay your Part B premium.
Deductibles
This plan does not have a health deductible. Your insurance coverage on covered health services will start immediately.
This plan has a $150.00 drug deductible. You will need to pay this amount towards covered prescriptions before your insurance coverage for prescription medications kicks in.
Out-of-Pocket Maximums
This plan has a Maximum Out-Of-Pocket cost of $3500.00 for out-of-network services. You will pay copays, coinsurance, and deductibles toward this amount. Once your total out-of-pocket costs reach $0.00 for in-network covered services, the plan will pay 100% of in-network covered costs for the rest of the year.
You can see below for the coinsurance and specific copayments for in the Additional Benefits section below, or refer to our Plan Details page for more details.
Common Services:
Doctor Visits:
Specialist Visits:
Emergency Room:
Urgent Care:
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Drug Coverage
The Henry Ford Select (HMO) plan features an annual drug deductible of $150. For Tier 1 preferred generic drugs, there is no copay when using a preferred pharmacy or preferred mail order service, while standard pharmacies charge a copay starting at $7. Tier 2 generic drugs cost as low as a $9 copay for a one-month supply at preferred pharmacies, and a three-month supply is available with no copay through preferred mail order. For higher-tier medications, costs are based on coinsurance rather than flat copays. Tier 3 preferred brand drugs require 15% coinsurance at preferred pharmacies compared to 17% at standard pharmacies, while Tier 4 non-preferred drugs range from 37% to 39% coinsurance. Tier 5 specialty drugs have a consistent 31% coinsurance for a one-month supply, regardless of whether you use a preferred or standard pharmacy.
Additional Benefits
The Henry Ford Select (HMO) plan offers comprehensive medical coverage with predictable costs, featuring no coinsurance for many core services. Under this plan, doctor visits are highly affordable, with no copay for primary care visits and copays up to $35 for specialists. For hospital stays, members pay a $250 daily copay for the first six days of inpatient care and no copay for subsequent days, while emergency room visits carry a $150 copay that is waived upon admission. Supplemental benefits include dental care with no copay up to a $2,000 annual limit, alongside routine vision and hearing exams with no copay. Members also receive an over-the-counter allowance of up to $145 every three months with no copay, and home health services are covered with no copay or coinsurance. However, some services like dialysis and durable medical equipment require a 20% coinsurance, and cardiac rehabilitation services are not covered under this plan.
Inpatient Hospital See details
Henry Ford Select (HMO) covers inpatient acute and psychiatric hospital stays with no coinsurance, requiring a $250 copay per day for days 1 through 6 and no copay for days 7 through 90. This benefit is partially covered, as upgrades, non-Medicare-covered stays, and additional psychiatric days are not covered.
Outpatient Services See details
Henry Ford Select (HMO) covers outpatient services with no coinsurance, including ambulatory surgical center and blood services which both feature no copays. Outpatient hospital services require a copay of $0 to $200, observation services cost $200 per stay, and outpatient substance abuse sessions have a $15 copay.
Partial Hospitalization See details
Partial hospitalization is covered by Henry Ford Select (HMO) with a $55.00 copay and no coinsurance. Prior authorization is required for some of these covered services.
Ambulance and Transportation Services See details
Henry Ford Select (HMO) covers ground and air ambulance services with a $300 copay and no coinsurance, though prior authorization is required. Transportation services to plan-approved or any health-related locations are not covered under this plan.
Emergency Services See details
Emergency Services under Henry Ford Select (HMO) require a $150 copay and no coinsurance, which is waived if you are admitted to the hospital. Urgently needed care ranges from no copay to a $15 copay with no coinsurance, and worldwide emergency, urgent, and transportation services are covered with copays of $150, $15, and $300 respectively, with no coinsurance.
Primary Care See details
Henry Ford Select (HMO) offers partially covered primary care services with no copay and no coinsurance for primary care physician visits, though podiatry services are not covered. Other covered benefits, including specialist visits, physical and occupational therapy, chiropractic care, and mental health services, require copays ranging from $0 to $35 and no coinsurance.
Preventive Services See details
Henry Ford Select (HMO) covers preventive services with no copay and no coinsurance, including annual physical exams, kidney disease education, and diabetes self-management training. This benefit is partially covered, as it includes nutritional therapy and memory fitness but does not cover health education, in-home safety assessments, weight management programs, or personal emergency response systems.
Hearing Services See details
Henry Ford Select (HMO) hearing services are partially covered, offering one routine hearing exam and fitting evaluation per year with no copay and no coinsurance. Up to two prescription hearing aids are covered annually with no coinsurance and a copay ranging from $0 to $1,575, though OTC, inner ear, outer ear, and over-the-ear hearing aids are not covered.
Vision Services See details
Vision services are partially covered by Henry Ford Select (HMO), offering one routine eye exam per year with a $0 to $15 copay and no coinsurance, alongside eyewear with no copay or coinsurance up to a $150 annual limit. There are no deductibles, but other eye exam services and eyewear upgrades are not covered.
Dental Services See details
Dental Services are partially covered by Henry Ford Select (HMO) with no copay and no coinsurance for covered services, up to a $2,000 maximum annual benefit. While preventive care, endodontics, and oral surgery are covered, this plan does not cover other diagnostic or preventive services, removable prosthodontics, maxillofacial prosthetics, implants, and orthodontics.
Home Infusion bundled Services See details
Henry Ford Select (HMO) covers home infusion bundled services with no copay, though prior authorization is required. Medicare Part B chemotherapy, radiation, and other Part B drugs carry a coinsurance of 0% to 20%, while Medicare Part B insulin drugs are covered with a $35 copay and no coinsurance.
Dialysis Services See details
Dialysis services are covered under the Henry Ford Select (HMO) plan with no copay and a 20% coinsurance.
Medical Equipment See details
Henry Ford Select (HMO) partially covers medical equipment with no copays, requiring a 20% coinsurance for durable medical equipment, prosthetics, and medical supplies. Diabetic supplies are covered with no coinsurance up to a 20% coinsurance, but diabetic therapeutic shoes and inserts are not covered.
Diagnostic and Radiological Services See details
Henry Ford Select (HMO) partially covers diagnostic and radiological services with no coinsurance, though prior authorization is required. Outpatient lab services are not covered, but diagnostic tests range from no copay to a $150 copay, while radiological services require a $35 copay for X-rays, at least a $25 copay for therapeutic services, and no copay for diagnostic radiology.
Home Health Services See details
Home health services are covered by Henry Ford Select (HMO) with no copay and no coinsurance.
Cardiac Rehabilitation Services See details
Cardiac Rehabilitation Services are not covered under the Henry Ford Select (HMO) plan, as none of the sub-services—including cardiac, intensive cardiac, pulmonary, and SET for PAD rehabilitation—are covered in practice.
Skilled Nursing Facility (SNF) See details
Henry Ford Select (HMO) covers skilled nursing facility (SNF) care with no coinsurance, requiring prior authorization but allowing admission without a prior three-day hospital stay. There is no copay for days 1 through 20, followed by a $218 daily copay for days 21 through 100, though additional days beyond the standard Medicare-covered limit are not covered.
Other Services See details
Henry Ford Select (HMO) partially covers other services, providing over-the-counter (OTC) items with no copay and no coinsurance up to a maximum of $145 every three months. Acupuncture, meal benefits, and other additional services are not covered under this benefit.
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