Big Options for Small Business
Delivering everything you need to sell and renew small business in Q3 2022.
Rates summary:
- Medical: Q3 2022 small business rates will have a 0.3% decrease HMO and HSP plans, and a 2.2% increase for PPO and EnhancedCare PPO plans.2
- Dental: No plan changes at this time.
- Vision: No rate or plan changes at this time.
- Optional chiro: No rate or plan changes at this time.
These rates can be released now. However, you must include this disclaimer:
"Rates quoted are pending completion of regulatory review."
Tools & Resources
- Q3 2022 rates release
- Simpler and smoother selling with our latest underwriting options
- Great values continue
View and download our small business Q3 2022 premium rates and medical/vision/dental benefits for ACA-compliant plan policies, dental and vision, effective 7/1/2022-9/30/2022.1
Contact your Health Net sales representative to find our lowest rates throughout the Southern and Northern California markets!
- Q3 2022 Medical rates (new business and renewing) (XLSX)
- 2022 Dental rates (XLSX)
- 2022 Vision rates (XLSX)
- 2022 Medical portfolio (XLSX)
- 2022 Vision portfolio (XLSX)
- 2022 Dental portfolio (XLSX)
The revised Q3 2022 Rate Guide is coming soon.
When it comes to your book of business, you have a lot to look forward to! Starting January 1, 2022 Health Net is offering new broker incentives to help get you off to the races.
Here's the 2022 Broker Incentive Program (PDF) selling Health Net's Small Business Group medical plan new sales (including sales through CalChoice):
For the New Member Incentive Program3:
- Brokers will receive $60 per member for each new small business employer group sold.
For details and program guidelines, contact your dedicated Account Executive.
Boost your book of business with our latest underwriting guidelines (PDF):
- NEW! Simpler selling:
- Changing our out-of-state maximum requirement from 49% of 'enrolled' and 'eligible' employees to just 49% of 'eligible' employees.
- We are removing group size distinction for startup guidelines, making it easier than ever to do business with us. Now, startup guidelines are 4 weeks of payroll, with 2 weeks prior to effective date, regardless of group size.
- Participation guidelines have been reduced to 25% within our Enhanced Choice A and Enhanced Choice B programs.
- Flexible choices: Three separate underwriting promotions.
- Smoother enrollment: No DE9C paperwork required for groups that qualify for our underwriting promotions.
| Values | Details |
|---|---|
| HMO Platinum plans + WholeCare HMO and Full Network HMO networks |
Leading the way with value in 2022 Learn more about 2022 Small Group Solutions (PDF) |
| PPO Value plans + Full Network PPO |
Offer the advantages of flexible, broad PPO coverage with competitive market rates and plan premium savings |
| Dental, vision, chiro, life | Our business-boosting bundling discounts (PDF) make our ancillary benefits (PDF) even more competitive |
| Telehealth and care access options | We're continuing our expanded access to care options (PDF) with Babylon Health, MinuteClinic, Nurse Advice Line, myStrength, Aunt Bertha |
1 Please call your Account Manager for Grandfathered rates at 800-447-8812, option 2.
2 The above rates represent statewide averages. Actual plan rates vary by rating region. Percentages shown compare Q3 2022 rates to Q2 2022 rates.
3 All new Health Net medical plan sales qualify for participation in this part of the incentive program.