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Supplemental Coverage for Large Employers

Extra Perks for your Business

Maximizing the health care coverage you offer your employees can go a long way in helping to increase their productivity and loyalty. The coverage listed below can be added when you enroll your business in a Health Net health plan.

We offer large dental networks with both dental HMO and PPO plans. You and your employees will save on in-network dental services.

Give your employees something to smile about! Health Net has a dental plan that will help you meet your large group budget and needs – and will keep your employees looking their best.

Our dental HMO and PPO plan choices provide you and your employees with value. We keep it simple and flexible. These low-cost dental plans focus on prevention and wellness.

Coverage includes:

  • One of the largest dental networks in California.
  • Savings when you visit an in-network dentist.
  • No claim forms for in-network services.

Dental HMO plans, other than pediatric dental, are offered and administered by Dental Benefit Providers of California, Inc., and dental PPO and indemnity insurance plans, other than pediatric dental, are underwritten by Unimerica Life Insurance Company and administered by Dental Benefit Administrative Services (together, "DBP").

Visit the Health Net Dental website*

*You are now leaving the Health Net website and accessing a website that is managed by Dental Benefit Providers, Inc. and its affiliates (DBP). Please review the specific Terms of Use and Privacy Policies that govern the use of the DBP website.

You and your employees have access to valued eye care benefits! These include discounts on eyewear. Plus, many eyewear providers are open nights and weekends – convenient for members' busy schedules.

Make sure your employees will see far into their future! Our vision plans offer services both you and your employees can use to maintain good eye health and sharp vision through all stages of life. Plans include a provider network that features:

  • Optometrists
  • Ophthalmologists
  • Opticians

Plan features

Pediatric vision coverage (newborn through age 18) is included on all medical plans. We also offer adult Health Net Vision PPO plans (ages 19 and older) which offer you and your employees the convenience of a large national network, plus:

  • A diverse network of independent and retail providers. Many eyewear providers are open nights and weekends to fit busy lifestyles.
  • Online provider options such as, Target,, and
  • Choice of any frames on hand at provider locations. This includes current styles from Luxottica who makes some of today's most well-liked frames such as:
    • Vogue
    • Anne Klein
    • Giorgio Armani
    • Persol
    • Brooks Brothers
  • Low copayments.
  • The freedom to see any provider you choose – either in-network or out-of-network and be covered under the plan.
  • Discounts of 5-15% on LASIK and PRK from U.S. Laser Network
  • No claim forms for in-network services.

Find providers by calling Health Net Member Services at 1-866-392-6058.

Note: Exam and lens copays, plus eyewear allowance, vary by plan.

¹Copyright 2012. LensCrafters Inc. All rights reserved.

Vision plans, other than pediatric vision, are provided by Fidelity Security Life Insurance Company and administered by EyeMed Vision Care, LLC (together, "Fidelity"). Discounts on vision care services and products made available by EyeMed. Obligations of the Fidelity Entities are neither obligations of, nor guaranteed by, Health Net, LLC or its affiliates.

Members have access to a large network of highly-trained behavioral health experts. You and your employees can receive support for many behavioral health or quality-of-life issues.

Behavioral health is, in part, the study of behavior as it relates to a person’s mental well-being. As an employer, you know that maintaining a healthy mindset among your employees is very important to the success of your business.

Health Net offers its own behavioral health services. It's a seasoned and valued provider of mental health and substance use disorder services. Our program can channel your employees who need services into our vast behavioral health network. This network is made up of highly-trained experts, helpful programs and centers.

What's great about Health Net's behavioral health plans is that they can be paired with a Health Net medical plan. If you prefer, they can be offered as separate coverage. And, when you link a Health Net behavioral health plan with an MHN employee assistance program (EAP), it allows you and your employees to:

  • Call one number for any behavioral health or quality-of-life issue.
    • Emotional
    • Financial
    • Legal and more

Members can then gain access to the right benefits and resources for help.

What's covered?

Services and benefits vary (falling within federal mental health parity guidelines when they apply). Our behavioral health care programs may include:

  • Outpatient exams and treatment.
  • Varied levels of care. This includes partial hospital stays and outpatient care.
  • Inpatient exams and treatment.
  • Crisis intervention (24 hours a day, 365 days a year).
  • Treatment follow-up and after care.

Got joint pain? Members get low-cost service by in-network chiropractors. No referrals needed.

Have you ever had pain in your lower back? Maybe some throbbing and aching in a shoulder or elbow? A visit to a chiropractor may be just what you need.

Chiropractic services address the finding and treatment of pain that involves muscles, ligaments and joints. They're practiced by a chiropractor. Health Net has teamed up with American Specialty Health Plans of California, Inc.1 (ASH Plans) to offer flexible chiropractic coverage. We make it easy because you don’t need to be referred to see a chiropractor. You're free to get care from any chiropractor in our chiropractor directory. Plus, you can add chiropractic services to any current plan.

What’s covered?

Medically needed services that include:

  • Office visits copays and maximums (vary by plan).
  • X-rays and lab tests.2
  • Annual chiropractic appliance allowance applies toward buying chiropractic items, such as:
    • Thoracic and lumbar supports
    • Cervical collars and pillows
    • Heel lifts
    • Ice packs
    • Orthotics
    • Rib belts
    • Home traction units

Note: SmartCare plans include built-in chiropractic and acupuncture benefits.

1American Specialty Health Group, Inc. (ASH Group) is a wholly owned subsidiary of American Specialty Health Incorporated. ASH Group is not affiliated with Health Net, LLC.

2Copays and maximums vary by plan.

Acupuncture is a great way to relieve mild to chronic pain. This traditional Chinese medicine has been practiced for hundreds of years. Members can add it to any current Health Net plan.

Are you looking for relief from mild to chronic pain? Acupuncture is a form of traditional Chinese medicine in which thin needles are inserted into the body to relieve pain. It is practiced by an acupuncturist and can be very useful in helping your body to become pain free.

Health Net has teamed with American Specialty Health Group, Inc.1 (ASH Group) to offer you flexible acupuncture coverage. With this program, you're free to get care from any acupuncturist in our acupuncture directory. Plus, you can add this coverage to any current plan. Best of all you do not need to be referred to see an acupuncturist.

1American Specialty Health Group, Inc. (ASH Group) is a wholly owned subsidiary of American Specialty Health Incorporated. ASH Group is not affiliated with Health Net, LLC.

Offer your employees a life insurance benefits package that includes both Group Term Life and Accidental Death & Dismemberment (AD&D).

If you want, you can offer employees a life insurance benefits package! And it includes both Group Term Life and Accidental Death & Dismemberment (AD&D). Health Net has built these two products that can be added to any Health Net medical plan. With these plans, you can help your employees prepare for any life event.

The package offers the ease of working with engaged Health Net representatives. They'll help guide you through each process, which includes:

  • Sales
  • Administration
  • Claims

Health Net Life Insurance Company offers a full range of benefit schedules. They're a good fit for both small (2-50) and large (51+) employer groups.

Multiple of salary. This benefit can be based on the amount of your employee's pay each year. This type of benefit can provide a basic life amount of one year's pay – with a maximum of $50,000.

Job/job class. The group life benefit can be based on job or job title. For instance, a group of corporate leaders could be insured for a basic life amount of $50,000. All other employees may be insured for a basic life amount of $25,000.

Dependent life. Benefits can be paid to a spouse and dependent children. It can only be purchased as part of a basic group life policy. It would include these High or Low Dependency options:

Dependency Options
High Low
Spouse - $5,000 Spouse - $2,000
Child - $2,000 Child - $1,000
Infant - $200 Infant - $100

Group life plan features

Waiver of premium. A life benefit may be continued for certain reasons. Examples include a short-term layoff or leave of absence. Coverage may also extend in keeping with the Family Medical Leave Act of 1993. This act allows a qualified enrollee, who has become totally disabled, to continue coverage. He or she does not have to pay a premium while being disabled.

Accelerated death benefit. This benefit provides financial safety to the insured in time of need. It also protects the beneficiary. It can be paid to an insured when a doctor confirms a terminal illness. The accelerated benefit is a part of the basic life insurance amount and is paid in a lump sum. The rest is paid to the insured's beneficiary once the insured passes away.

Conversion privilege. This commits the plan issuer to renew for a set amount of time. It doesn't matter if there are changes in the insured's health. It can be given to certain members whose coverage ends due to reasons detailed in the group's plan. It does not require a physical exam, nor does it need the insured to prove he or she qualifies. Coverage must be applied for. The first premium must be paid within 31 days from the date the coverage begins.

Health Net Life Insurance Company is an affiliate of Health Net. Health Net Life Insurance Company also holds a Certificate of Authority in California and 32 other jurisdictions throughout the United States.

Health Net is intent on meeting the life insurance needs of groups and insureds. We provide valued, cost-saving benefit solutions.

Reinsurance for Group Life and AD&D benefits is given by Swiss Re1 Life and Health America, Inc., one of the largest life and health reinsurers in the world.

1Swiss Re has more than $18 billion of Group Life volume in force and has earned an "A" rating from A.M. Best. Contact a Health Net representative for more information about group products.

Last Updated: 12/27/2023