Taking your business forward into 2021
Health Net is your source for big options for small business, keeping people and companies healthy through every stage of life. We're delivering everything you need to make it easy for you to keep your small group book of business going and growing, starting in Q1 2021:
- New portfolio options with choices to satisfy your clients
- New ancillary program brings extra value
- Platinum plans: still leading with lowest out-of-pocket costs
- Business-boosting WholeCare and Full Network HMO networks
- Great 2020 values continue in Q1 2021: underwriting programs (HMO+ with 6 with Bronze PPO), telehealth options, and more!
- Q1 2021 rates release
- 2021 tools to help you work with us: rate guide, underwriting guidelines, Portfolio Book, Desktopper, and more!
- Coming soon
- Contact us, and get started today!
Helping employees control costs:
- Gold 80 PPO 1500/0 plan paired with Full PPO and EnhancedCare PPO networks
- HMO Platinum $0 plan paired with Full Network HMO, WholeCare, SmartCare and Salud HMO y Mas networks
- Low- or no-cost PCP/rehab therapy, lab, x-ray, generic RX cost-sharing with both plans
- HMO Platinum $0 offers no-cost specialist and urgent care
Lean Bronze 60 HDHP PPO 7000/0% plan designed for employers and employees:
- Paired with Full PPO network
- Favorable base buy-up option for employers
- Low-premium spend plan to pair with an HSA account
- Available with our HMO+ With 6 underwriting program
View our 2021 portfolio (PDF) of products and plans.
Bundle and save with our new ancillary program! An informative flyer is coming soon!
PLUS – check out our reduced 2021 life rates!
| Bundling options | Premium savings |
|---|---|
| Dental/Vision | 5% each on new dental and new vision |
| Dental/Life | 5% each on new dental and new life |
| Dental/Vision/Life | 5% each on new dental, new vision, and new life |
| Ancillary Program | Bonus Amount |
|---|---|
| Dental | $10/member |
| Vision | $5/member |
| Life | $5/member |
| Dental/Vision/Life | Bonuses doubled |
Our Platinum plans will continue to be the most cost-effective metal tier in our small business portfolio. Taking total costs into consideration (premiums, copays) – Platinum plans offer members the lowest out-of-pocket (OOP) costs.
Here is an example of potential OOP savings based on benefit usage of a 40-year old member located in Region 15. Your dedicated Health Net representative can provide more examples, and help you run informative comparison quotes.
| WholeCare HMO Plan Benefit Usage | Platinum 10 Out of Pocket Costs |
Platinum 30 Out of Pocket Costs |
Gold 50 Out of Pocket Costs |
Silver 50 Out of Pocket Costs |
|---|---|---|---|---|
| PCP office visit | $10 | $30 | $50 | $50 |
| Specialist visit | $30 | $50 | $70 | $70 |
| Outpatient surgery (hospital) | $150 | $150 | $1,200 | $2,5001 |
| Pharmacy prescription | $5 | $5 | $15 | $20 |
| Follow-up PCP office visit | $10 | $30 | $50 | $50 |
| Total Plan Benefit Usage Out of Pocket Cost | $205 | $265 | $1,385 | $2,690 |
| Plan premium after 50% Employer Contribution | $203 | $187 | $175 | $164 |
| Total Member Out of Pocket Costs | $408 | $452 | $1,560 | $2,854 |
1$5,000 service with a 50% cost share
These networks are rated our best for small business, delivering both affordability and high-value health to groups. These networks, paired with our Platinum and Gold plans, will continue to lead the way in 2021 with significant savings over our competitors – and as a great care-access combo!
PLUS: Q1 2021 WholeCare and Full Network HMO rates holding steady and remaining competitive!
- Q1 2021 rates – Our best-selling Full HMO/PPO and WholeCare network rates are holding steady and remaining competitive. More on rates.
- WholeCare and Full Network HMO networks – These networks will continue to lead the way with value in 2021 – learn more about these networks.
- Platinum plans – Platinum will continue to be our most cost-effective metal tier in 2021 – learn more about Platinum plans.
- Underwriting programs – Our Q4 2020 underwriting programs (PDF) will still be available in Q1, including Sell HMO+ With 6.
- Dental, vision, chiro, acu – No changes to our portfolio of ancillary coverage plans (PDF) in 2021; our new bundling discounts (PDF) make them even more competitive!
- Learn to Earn webinars – We're continuing this webinar series in 2021, offering you a chance to expand your book of business into the largest market share of companies in California.
- Telehealth options and resources – We're continuing our expanded access to care options (PDF) in 2021 with Nurse Advice, Heal, myStrength, Aunt Bertha. And Babylon Health – a next-generation telehealth platform with AI-powered symptom checker, and live chat.
Click on the links below to view and download our small business Q1 2021 premium rates and medical/vision/dental benefits for ACA-compliant plan policies, dental and vision, effective 1/1/2021-3/31/2021.1
- Q1 2021 Medical rates (new business and renewing) (XLS)
- 2021 Dental rates (XLS)
- 2021 Vision rates (XLS)
- 2021 Life/AD&D rates (XLS)
- 2021 Medical portfolio (XLS)
- 2021 Vision portfolio (XLS)
- 2021 Dental portfolio (XLS)
Rates summary:
- Medical: Q1 2021 small business rates will have a 2.1% decrease for PPO and EnhancedCare PPO plans, and a 2.6% increase for HMO and HSP plans.2
- Life: Rates reduced 26.9%.3 No plan changes at this time.
- Dental: See new 2021 rates. 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 immediately. However, you must include a disclaimer:
"Rates quoted are pending completion of regulatory review."
1Please call your Account Manager for Grandfathered rates at 800-447-8812, option 2.
2The above rates represent statewide averages. Actual plan rates vary by rating region. Percentages shown compare Q1 2021 rates to Q4 2020 rates.
3Percentage shown compares Q1 2021 rates to Q4 2020 rates.
- Q1 2021 underwriting guidelines
- Q1 2021 renewal guide (PDF) for your renewing clients
- Q1 2021 Standard Rate Guide (PDF), showcasing our initial Q1 2021 rates release.
- Check out the Top Reasons to enroll (PDF), or stay, with us!
- Our 2021 Small Group Solutions Portfolio (PDF) and 2021 Ancillary Portfolio (PDF) – important tools to help take your business forward in 2021.
- Our Desktopper (PDF) and Dental/Vision Sell Sheet (PDF) give you useful snapshots of our 2021 offerings.
- Are your customers ready to enroll with us? Get our 2021 enrollment forms.
Direct from your Health Net Account Executive:
- More ways Health Net coverage can bring value to small business in each Southern California selling region
- Ways to earn more selling our medical and ancillary plans