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HMO Full Network Option

Health Net has been setting the standard for HMO care for decades. From our high-quality full network HMO options to flexible options such as our EOA plans, we have the right full-network HMO options for your clients.

Health Net HMO

We know HMOs! Health Net has a variety of plan designs for businesses of all sizes. Our full-network HMO gives your clients and their employees access to thousands of physicians and pharmacies across the state.

With a Health Net HMO, members select a primary care physician (PCP) from our large, statewide HMO network. This PCP oversees all their health care and provides a referral/authorization if specialty care is needed.

Health Net HMO plans offer basic, inpatient and emergency services, and cover preventive care and health education. Copayment amounts and specified services offered will differ according to the plan(s) selected.

The following benefits are common to many of the HMO plans:

  • Office visits
  • Hospitalization coverage
  • Emergency room service
  • X-ray and laboratory procedures
  • Vision and hearing examinations
  • Prenatal, postnatal and newborn care office visits
  • Outpatient mental health consultation and treatment

Elect Open Access (EOA) plans

Elect Open Access (EOA) is an HMO plan with set copayments, unlimited lifetime benefits, and a primary doctor to coordinate members' care. However, an EOA also offers the flexibility of seeing any provider within Health Net's PPO provider network without needing a referral.

For this added convenience, members who visit a PPO provider will have slightly higher copayments per visit.

EOA products are also available with our Silver Network, a subset of our full HMO network, available in Kern, Los Angeles, Orange, Riverside, San Bernardino, San Diego, San Francisco, Santa Clara, Stanislaus, and Ventura counties. For more information on EOA plans, call your Health Net representative.

Point-of-Service (POS) plans

A POS plan combines aspects from both HMO and PPO plans, offering more freedom than a traditional HMO. Members choose a primary care physician from our network of providers, but our POS also offers limited coverage for members who choose to see an out-of-network provider.

Health Net POS is a two-tiered point-of-service plan. Members have the option to use benefits at an HMO benefit level or PPO benefit level whenever they need care. HMO benefits include PCP, referral to see a specialist, predictable payments and no claim paperwork. PPO benefits include the option to see any doctor or specialist in the Health Net network without a referral.

Last Updated: 10/22/2021