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Supplemental Coverage – Large Groups
Health Net Vision
Vision plans offer a line of coverage you can depend on. Coverage includes a provider network of optometrists, ophthalmologists and opticians. And for those with busy schedules, you can even get glasses in about an hour at the nation's leading optical retailer, LensCrafters*.
Plan Features
- All LensCrafters locations, as well as many independent providers, are open evenings and weekends.
- Your choice of any frames available at provider locations, including current styles from Luxottica.
- Luxottica manufactures some of today's most popular frames, including Vogue, Anne Klein, Giorgio Armani, Persol, and Brooks Brothers.
- Easy-to-understand benefits and no claim forms for in-network services.
- Exam copays, lens copays, and material allowances vary by plan.
* Copyright 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, Inc. or its affiliates.
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Dental
Health Net Dental
Take care of your smile and keep it at its best with a dental plan that meets your small group’s coverage needs and budget.
Coverage features include: large network of dentists, savings when you visit an in-network dentist, and no claim forms for in-network coverage.
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").
Go to the Health Net Dental WebsiteReady to Apply?
Group Term Life Insurance
Health Net Term Life Insurance
You want to offer your employees an attractive benefits package, including Group Term Life and Accidental Death & Dismemberment (AD&D). Health Net has created these two products that can be added to any other Health Net medical plan. With these supplemental coverage plans, you can help your group members prepare for any situation.
This life insurance package offers the convenience of working with dependable Health Net reps throughout the sale, administrative and claim processes. Health Net Life offers a full range of benefit schedules for small (2-50 eligible employees) and large (51+ eligible employees) employer groups.
Multiple of Salary: A life insurance benefit can be based on the amount of the employee's salary. This type of benefit schedule would typically provide a basic life amount of one year's salary, to a maximum benefit of $50,000.
Occupation/ Job Class: The group life benefit can be based on occupation or job title. For example, a class composed of corporate officers and managers could be insured for a basic life amount of $50,000. All other eligible employees in the company may be insured for a basic life amount of $25,000.
Dependent Life: Life insurance benefits can be provided for an eligible spouse and dependent children. This benefit can only be purchased as part of a basic group life policy, which includes the following High or Low 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 under certain circumstances, for example, a temporary layoff or leave of absence. Coverage may also be continued in accordance with the Family Medical Leave Act of 1993. Through this act, a qualified enrollee who has become totally disabled may continue coverage without payment of premium, while they remain totally disabled.
Accelerated Death Benefit: This benefit provides financial protection to the insured in time of need, while also protecting the beneficiary. Accelerated death benefits can be paid to an insured when the physician certifies a terminal illness. The accelerated benefit is a portion of the basic life insurance amount and is payable in a lump sum. The remaining portion is paid upon death to the insured's beneficiary.
Conversion Privilege: A conversion privilege commits the issuer of an insurance policy to renew for a set amount of time, regardless of changes in the insured's health. This provision is available to certain members whose coverage terminates due to reasons specified in the group's policy. This conversion does not require a physical exam or evidence of insurability. Coverage must be applied for, and the first premium must be paid within 31 days following the date of coverage determination.
Health Net Life Insurance Company is an affiliated company of Health Net. Health Net Life Insurance Company holds a Certificate of Authority in California and 32 other jurisdictions throughout the United States. We are committed to meeting the health and life insurance needs of organizational groups and insureds by delivering valuable, cost-effective benefit solutions.
Reinsurance for Group Life and AD&D benefits provided by Swiss Re Life and Health America, Inc., the largest life and health reinsurer in the world.
Swiss 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 rep for more info about group products.
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Chiropractic
Health Net Chiropractic Services
Health Net has teamed up with American Specialty Health Plans of California, Inc. (ASH Plans) to offer flexible chiropractic coverage. With this program, you’re free to obtain care by selecting a participating chiropractor from our chiropractic directory. Although you’re always welcome to consult your primary care physician, you won’t need a referral to see a participating chiropractor.
What's covered?
Medically necessary services including:
- Office Visits Copays and maximums vary by plan.
- X-Rays and lab tests: Copays and maximums vary by plan.
- Annual Chiropractic Appliance Allowance applies towards the purchase of chiropractic necessary items, including thoracic and lumbar supports, cervical collars and pillows, heel lifts, ice packs, orthotics, rib belts, and home traction units.
Click here for additional information on American Specialty Health Plans.
American Specialty Health Group, Inc. (ASH Group) is a wholly owned subsidiary of American Specialty Health Incorporated. ASH Group is not affiliated with Health Net, Inc.
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Acupuncture
Health Net Acupuncture Coverage
Health Net has teamed up with American Specialty Health Group, Inc. (ASH Group) to offer flexible acupuncture coverage. Although you're always welcome to consult your primary care physician, you won’t need a referral to see a participating acupuncturist. With this program, you’re free to obtain care by self-referring to a participating acupuncturist from our acupuncture directory. Acupuncture coverage can be added to any existing plan.
American Specialty Health Group, Inc. (ASH Group) is a wholly owned subsidiary of American Specialty Health Incorporated. ASH Group is not affiliated with Health Net, Inc.
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Behavioral Health
Behavioral Health Care
MHN, Health Net's behavioral health subsidiary, is an experienced, capable provider of mental health and substance use disorder services. Our program channels members who need services into our comprehensive network of credentialed practitioners, programs and facilities. MHN's behavioral health plans are available alongside a Health Net medical plan or as a carve-out. Integrating an MHN behavioral plan with an MHN EAP allows members to call one number for any behavioral health or quality of life issue - emotional, financial, legal, etc. - and be directed to the most appropriate benefits and/or resources.
WHAT'S COVERED: Mental health and substance use disorder detoxification and rehabilitation
While services and benefits vary (within federal mental health parity guidelines when they apply), our behavioral health care programs may include:
- Outpatient assessment and treatment
- Alternative levels of care, including partial hospitalization and intensive outpatient
- Inpatient assessment and treatment
- Crisis intervention (24 hours a day, 365 days a year)
- Treatment follow-up and aftercare
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