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How to Enroll

Step 1: Pick a plan

CalPERS offers Health Net HMO health plan options to Basic members. Our HMO plans use a provider network that connects you to local, trusted, high-quality providers and hospitals. HMO plans are ideal if you prefer a primary doctor to coordinate all your medical care at predictable costs. You simply choose a primary care physician (PCP) from our network of providers. Your PCP will oversee all your health care-related services, including referrals and authorizations to specialists. Our HMO plans offer affordability, predictability and convenience:

  • $0 medical deductibles
  • Fixed copayments for most services
  • Your doctor to direct most of your health care needs
  • You don’t need a referral to see an OB/GYN in the PPG, just make your appointment.
  • No claim form filing (with the exception of emergency out-of-network care)
  • Incentives to help you improve your health and well-being.

SmartCare HMO and Salud HMO y Más Service Area Map


SmartCare HMO: For Basic members

SmartCare HMO is right for you if you want:

  • A simple plan that meets your budget.
  • A tailored network of quality providers.
  • A network that is available in 23 California counties statewide, offering more than 21,000 doctors and specialists and 182 hospitals across the state.
  • To use convenient MinuteClinics (generally located inside CVS/pharmacy stores) for walk-in medical services in select locations.
  • Zero copayment to use MDLIVE (telehealth).
  • A $50 Health Risk Questionnaire (HRQ) incentive.
  • A $100 tobacco cessation incentive for completion of the Quit For Life® tobacco cessation program offered through Health Net.
  • A $25 incentive for using Welvie prior to a surgery.

  • View the Member Guide (PDF, 1 MB)
  • Network Comparison Listing (PDF, 183 KB)
Salud HMO y Mãs: For Basic members

Salud HMO y Mãs is right for you if you want:

  • A community-centered and budget-friendly plan.
  • A tailored network of quality providers.
  • Cross-border benefits using the SIMNSA network in Northern Mexico.
  • To use convenient MinuteClinics (generally located inside CVS/pharmacy stores) for walk-in medical services in select locations.
  • Zero copayment to use MDLIVE (telehealth).
  • A $50 Health Risk Questionnaire (HRQ) incentive.
  • A $100 tobacco cessation incentive for completion of the Quit For Life® tobacco cessation program offered through Health Net.
  • A $25 incentive for using the Welvie® website prior to a surgery.

  • View the Member Guide (PDF, 1 MB)
  • Network Comparison Listing (PDF, 183 KB)

Step 2: Choose a doctor

When enrolling in an HMO plan, please make sure your primary care physician (PCP) or participating physician group (PPG) is part of your plan's provider network. Each eligible member of your family can choose a different PCP and a different PPG to meet their personal needs. A PPG is sometimes referred to as a "medical group".

ProviderSearch tips

  • Before using our ProviderSearch tool, log in to your Health Net member account.
  • Make sure your location is within the Health Net CalPERS contracted area.
  • Select a plan – Salud HMO y Mãs (CalPERS members only) or HMO - SmartCare Network Large Group (with walk-in clinics) – from the drop down filter to narrow your results to CalPERS contracted providers.
  • Write down your doctor's name, medical group name, plus the 6-digit Provider ID number. (You'll need to put this information in the "Notes" section of the my|CalPERS site).

Visit my|CalPERS website

Step 3: Enroll in Health Net today!

Once you've compared the various health care coverage options that are available to you during Open Enrollment, contact your health benefits officer or personnel office for required forms and documentation.

Map showing the counties where Health Net plans for CalPERS are now available. Alameda, Contra Costa, Fresno, Kern, Kings, Los Angeles, Marin, Napa, Orange, Riverside, Sacramento, San Bernardino, San Diego, San Francisco, San Joaquin, San Mateo, Santa Clara, Santa Cruz, Solano, Sonoma, Tulare, Yolo

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