Health Net logo

Why Choose Health Net

Our Mission

At Health Net, our mission is to help people be healthy, secure and comfortable.


Quality Provider Networks

We build local provider networks to help people get expert care through every stage of their lives and health. With thousands of doctors and specialists, there's a good chance the doctor you have today – or one you may need tomorrow – already works with us. Around the corner and across the state, Health Net has you covered.


NCQA Accreditation

The National Committee for Quality Assurance (NCQA) is an independent, not-for-profit organization that evaluates the quality of health care plans. We are honored to be recognized by this committee. Download our scorecard (pdf)

NCQA Scorecard

Learn how Health Net rates according to The National Committee for Quality Assurance (NCQA), a private, not-for-profit organization committed to improving the quality of health care.

Variety of Plans

Our Plans

Health Net has something for everyone, no matter what stage of life you're in. Whether you're a company employee or self-employed, in-between jobs or retired, we have an option that's just right for you.

We offer a wide range of competitively priced plans. Plus we give you extra services at no additional cost – like talking to a nurse whenever you need advice, a personal online account, wellness programs, and more!

The choice for health is Health Net. After all, health is our first name.

NCQA Scorecard

Learn how Health Net rates according to The National Committee for Quality Assurance (NCQA), a private, not-for-profit organization committed to improving the quality of health care.

Speak with a Representative

Our representatives are ready to assist you with any questions you may have.

24/7 Customer Support

Health Net's Customer Support

We take customer support seriously.

Members and visitors have several ways to contact Health Net, including specific phone numbers based on each plan type, online contact forms and a secure messaging center. We also have a library of forms and brochures that can be accessed and printed at any time. And, members with busy lifestyles can quickly access contact information, as well as policy details and ProviderSearch, with our convenient Health Net Mobile app.

Whether you're a member or a visitor, our friendly customer support representatives look forward to answering your questions.

Network of Providers

Our Quality Network of Providers

Health Net's provider networks consist of experienced and knowledgeable doctors, specialists, pharmacies, and medical facilities. Use our convenient ProviderSearch tool to find a physician who meets your requirements. With Health Net, you're sure to find a provider. And, with Health Net Mobile, our convenient mobile app, you can search by plan, location or doctor name to find a medical facility in your area.


Highlights:


  • Finding a doctor is quick and easy with ProviderSearch.
  • With Health Net Mobile, you'll never forget your ID card or policy info again.

ProviderSearch

ProviderSearch can help you find the best doctor or hospital facility for your needs in your area.

Web Tools

Our Web Tools

Health Net has created several online tools designed to take the confusion out of health insurance. Shoppers can easily compare plan details, get a quote online, or search for specific doctors and specialists using ProviderSearch. We've even designed a step-by-step guide designed specifically for members making the switch to Health Net from another health insurance carrier.

Once you become a Health Net member, you gain access to helpful tools and resources, making it even easier to stay on top of your health. Just register for your online account, and you'll have 24/7 access to claims activity, year-to-date deductibles, and our customizable member tool, Wellness Center, our free resource and personal support website.

And for users with a busy lifestyle, we have Health Net Mobile. This easy-to-use app gives members mobile access to policy info, ID numbers, ProviderSearch, and more – in one convenient location. Available for iPhone, Android and other smartphone devices.


Highlights:


  • Use ProviderSearch to see if your preferred doctor is in our provider network.
  • Make the Switch walks you through the process.
  • Wellness Center help to keep your health on track.
  • Health Net Mobile puts it all at your fingertips.
  • Register for an online account.

ProviderSearch

ProviderSearch can help you find the best doctor or hospital facility for your needs in your area.

Forms and Documents

Access useful forms and documents from the links below.

Decision Power® Health & Wellness

Decision Power® Health & Wellness

The following Decision Power Health & Wellness features are available to Health Net members at no additional cost:

  • Nurse24SM – a licensed nurse offers guidance anytime of day or night, via phone or chat. You can reach out with any health concern, from how best to manage a chronic condition to how to treat a minor injury. Our nurses are trained to ask the right questions to help you get the care you need and the help to better manage your health.
  • Quit for Life® stop tobacco program – telephonic 1:1 support, with web-based resources and chat help every step of the way. A Quit Guide will help you through your quit process.
  • Decision Power Healthy Discounts – save with discounts on weight loss solutions with Jenny Craig® and Weight Watchers®, and on other health and wellness products and services.
  • Decision Power Healthy Pregnancy – offers prenatal and post delivery care; program includes web resources, books and access to a 24/7 BabyLine, which offers 1:1 conversations with a nurse on topics related to pregnancy, delivery and newborn care.
  • Wellness Health Coaching – We can help you change unhealthy behaviors and adopt positive lifestyle changes.
  • CareAlerts – Individual reminders based on care gaps, preventive screenings, immunizations, and medication safety all help reduce risks and promote self care.

Log in for more information on Decision Power.


Health Net Medicare Advantage members:
Learn more about additional wellness programs designed just for you.

Health Net Medi-Cal members:
Learn more about additional wellness programs designed just for you.

Health Net Cal MediConnect members:
Learn more about additional wellness programs designed just for you.

Disclaimer

Health Net Decision Power Healthy Discounts is not intended as a benefit program purchased from Health Net. The Decision Power Healthy Discounts program is made available to specified Health Net members free of charge. Decision Power Healthy Discounts programs offer discounts on products/reduced-fee services. However, the products and services available from Decision Power Healthy Discounts are not part of your medical benefits plan, but are part of Health Net's Wellness Program available to its members. Decision Power Healthy Discounts providers are independent businesses. Health Net does not directly contract with providers. Services and/or supplies must be purchased directly from a Decision Power Healthy Discounts provider.

Health Net members have access to Decision Power® through their current enrollment with any of the following Health Net companies: Health Net of California, Inc.; Health Net Life Insurance Company.

For Health Net Commercial members: Decision Power is not part of Health Net's commercial medical benefit plans. Also, it is not affiliated with Health Net's provider network and it may be revised or withdrawn without notice.

For Health Net Medicare Advantage members: Decision Power is part of Health Net's Medicare Advantage benefit plans. But it is not affiliated with Health Net's provider network. Decision Power services, including clinicians, are additional resources that Health Net makes available to enrollees of the above listed Health Net companies. Health Net and Decision Power are registered service marks of Health Net, Inc. All rights reserved.

Speak with a Representative

Our representatives are ready to assist you with any questions you may have.

ProviderSearch

ProviderSearch can help you find the best doctor or hospital facility for your needs in your area.

Trophy Case

2015

National Committee for Quality Assurance (NCQA)

eHealthcare Leadership Award

  • Platinum award winner for HealthNet.com – Best Overall Internet Site

2014

eHealthcare Leadership Awards

  • Gold award winner for HealthNet.com – Best Overall Internet Site
  • Gold award winner for HN Connect – Best Intranet Site

2013

eHealthcare Leadership Awards

  • Gold award winner for HealthNet.com – Best Overall Internet Site
  • Gold award winner for HN Connect – Best Intranet Site

Web Health Awards1

  • Gold winner for Member Pulse blog (Winter/Spring)
  • Silver winner for Broker Pulse blog (Winter/Spring)

2012

Web Health Awards

  • Gold winner for T2X (Winter/Spring)
  • Bronze winner for HealthNet.com (Winter/Spring)
  • Merit winner for Health Net Mobile (Winter/Spring)

eHealthcare Leadership Awards

  • Gold award winner for HealthNet.com – Best Overall Internet Site

2011

Webby Awards2

  • Official Webby Honoree in the Insurance Category
  • Official Webby Honoree in the Mobile Product Category

Web Health Awards

  • Gold award winner for HealthNet.com (Summer/Fall)
  • Bronze award winner for Health Net Mobile (Summer/Fall)
  • Merit award winner for Health Net eNewsletter (Summer/Fall)
  • Silver award winner for Health Net Mobile (Winter/Spring)

W3 Awards (International Academy of Visual Arts)3

  • Silver award winner for Health Net Mobile (Productivity)

eHealthcare Leadership Awards

  • Gold award winner for HealthNet.com – Best Overall Internet Site
  • Silver award winner for HealthNet.com – Best Doctor Directory

Web Marketing Association

  • Insurance Standard of Excellence award – HealthNet.com

2010

California Children's Health Initiative

  • Corporate Award for its leadership in providing coverage to children through California's innovative Healthy Kids program

eHealthcare Leadership Awards

  • Gold Winner for Best Overall Internet Site

W3 Awards – The International Academy of Visual Arts

  • Silver award winner for HealthNet.com
  • Silver award winner for Health Net Mobile (Productivity)
  • Silver award winner for Health Net Mobile (Health & Wellness)

Webby Awards

  • Official Honoree for the Insurance Category

Web Health Awards

  • Bronze Winner (Electronic Health Information)

Web Marketing Association

  • Web Award for Outstanding Achievement in Web Development (Insurance Category)

2009

California Department of Health Care Services (DHCS)4

  • Bronze Award for outstanding performance in HEDIS (Healthcare Effectiveness Data and Information Set) outcomes
  • Gold Quality Award for outstanding statewide service and support (Medi-Cal)
  • Special Acknowledgment Quality Award for outstanding contribution to quality improvement (Medi-Cal)

eHealthcare Leadership Awards

  • Gold for Best Overall Internet Site
  • Gold for Best Site Design
  1. The Web Health Awards program, organized by the Health Information Resource Center (HIRC), is a national clearinghouse for professionals who work in the consumer fields.
  2. The Webby Awards is the leading international award honoring excellence on the Internet, including websites, interactive advertising, online film and video, and mobile websites.
  3. The W3 Awards, sponsored by the IAVA, honors creative excellence on the Web, and recognizes the creative and marketing professionals behind award-winning sites, marketing programs and video work created for the Web.
  4. HEDIS measures the quality of care and services provided by health plans.

ProviderSearch

ProviderSearch can help you find the best doctor or hospital facility for your needs in your area.

Speak with a Representative

Our representatives are ready to assist you with any questions you may have.

Health Net Mobile

...all of Health Net in the palm of your hand.

Importance of Preconception Health

Designed for members on the go, Health Net Mobile is a convenient way to connect to a HealthNet.com online account.

On the go with the Health Net Mobile app

You lead a busy life, and keeping track of the details – even the important details of your and your family's health care – can be daunting. If you've got an iPhone*, Android* or other web-enabled mobile device, you've got everything you need to track your health plan details – no matter where you are or how busy.

 

Forgot to bring your ID card with you?
View it with My ID Card

You're at the doctor's office with your son when you realize you've left his Health Net ID at home. Fortunately, you've got your phone. Our My ID Card feature lets you view your card – and your plan dependents' ID cards, too – all on Health Net Mobile.

Does your doctor require a copayment?
My Plan lets you see the details.

You're going to your doctor's office. Do you need cash for a copayment? The My Plan feature lets you access all your health plan details including copayment and deductible information, effective dates, IDs, and your schedule of benefits.

Do you need to refill a prescription?
My Provider makes it easy to call your physician.

You're at the pharmacy when you remember a prescription you need to refill, but you'll need to have your doctor call. Our My Provider feature makes it easy for you to find your physician's number, and you can save the information as a "favorite."

Is there an urgent care facility nearby?
ProviderSearch will help you find one. Get maps and directions, too.

Your child's temperature is climbing, and it's after midnight. Is there an urgent care facility nearby? Our ProviderSearch will help you find urgent care, doctors, hospitals, and other providers in our network by location, address or ZIP code. Access maps and directions, too, and save the information so it's ready when you need it.

Have a question about your health plan?
Our Contact feature gives you instant access by phone or through instant chat.

You have a question about your health plan. You could find the answer online, but you would rather talk with a Customer Service Representative. Our Contact feature gives you instant access by phone or through instant chat.

If you haven't already, download the Health Net Mobile app today to access your www.healthnet.com account instantly, at any time. No matter where you are, no matter what you're doing, if you've got the Health Net Mobile app, you've got Health Net.


Apple Store      Android Market




App Store

*iPhone is a registered trademark of Apple Inc. Android is a registered trademark of Google Inc.

Log In



Disclaimer

You are now leaving Health Net's website for Medicare.gov. While Health Net believes you may find value in reading the contents of this site, Health Net does not endorse, control or take responsibility for this organization, its views or the accuracy of the information contained on the destination server.

To proceed to Medicare.gov, click 'Continue'. To stay on the Health Net website, click 'Cancel'.

If you would prefer to speak to a Health Net representative about this issue, please click here to go to our Customer Service Center page.


Cancel Continue

Important Notice

General Purpose
Health Net's National Medical Policies (the "Policies") are developed to assist Health Net in administering plan benefits and determining whether a particular procedure, drug, service, or supply is medically necessary. The Policies are based upon a review of the available clinical information including clinical outcome studies in the peer-reviewed published medical literature, regulatory status of the drug or device, evidence-based guidelines of governmental bodies, and evidence-based guidelines and positions of select national health professional organizations. Coverage determinations are made on a case-by-case basis and are subject to all of the terms, conditions, limitations, and exclusions of the Member's contract, including medical necessity requirements. Health Net may use the Policies to determine whether, under the facts and circumstances of a particular case, the proposed procedure, drug, service, or supply is medically necessary. The conclusion that a procedure, drug, service, or supply is medically necessary does not constitute coverage. The Member's contract defines which procedure, drug, service, or supply is covered, excluded, limited, or subject to dollar caps. The policy provides for clearly written, reasonable and current criteria that have been approved by Health Net's National Medical Advisory Council (MAC). The clinical criteria and medical policies provide guidelines for determining the medical necessity criteria for specific procedures, equipment and services. In order to be eligible, all services must be medically necessary and otherwise defined in the Member's benefits contract as described in this "Important Notice" disclaimer. In all cases, final benefit determinations are based on the applicable contract language. To the extent there are any conflicts between medical policy guidelines and applicable contract language, the contract language prevails. Medical policy is not intended to override the policy that defines the Member's benefits, nor is it intended to dictate to providers how to practice medicine.


Policy Effective Date and Defined Terms.
The date of posting is not the effective date of the Policy. The Policy is effective as of the date determined by Health Net. All policies are subject to applicable legal and regulatory mandates and requirements for prior notification. If there is a discrepancy between the policy effective date and legal mandates and regulatory requirements, the requirements of law and regulation shall govern. In some states, prior notice or posting on the website is required before a policy is deemed effective. For information regarding the effective dates of Policies, contact your provider representative. The Policies do not include definitions. All terms are defined by Health Net. For information regarding the definitions of terms used in the Policies, contact your provider representative.


Policy Amendment without Notice.
Health Net reserves the right to amend the Policies without notice to providers or Members. In some states, prior notice or website posting is required before an amendment is deemed effective.


No Medical Advice.
The Policies do not constitute medical advice. Health Net does not provide or recommend treatment to Members. Members should consult with their treating physician in connection with diagnosis and treatment decisions.


No Authorization or Guarantee of Coverage.
The Policies do not constitute authorization or guarantee of coverage of any particular procedure, drug, service, or supply. Members and providers should refer to the Member contract to determine if exclusions, limitations and dollar caps apply to a particular procedure, drug, service, or supply.


Policy Limitation: Member's Contract Controls Coverage Determinations.
Statutory Notice to Members: The materials provided to you are guidelines used by this plan to authorize, modify or deny care for persons with similar illnesses or conditions. Specific care and treatment may vary depending on individual need and the benefits covered under your contract. The determination of coverage for a particular procedure, drug, service, or supply is not based upon the Policies, but rather is subject to the facts of the individual clinical case, terms and conditions of the Member's contract, and requirements of applicable laws and regulations. The contract language contains specific terms and conditions, including pre-existing conditions, limitations, exclusions, benefit maximums, eligibility, and other relevant terms and conditions of coverage. In the event the Member's contract (also known as the benefit contract, coverage document, or evidence of coverage) conflicts with the Policies, the Member's contract shall govern. The Policies do not replace or amend the Member contract.


Policy Limitation: Legal and Regulatory Mandates and Requirements
The determinations of coverage for a particular procedure, drug, service, or supply is subject to applicable legal and regulatory mandates and requirements. If there is a discrepancy between the Policies and legal mandates and regulatory requirements, the requirements of law and regulation shall govern.


Reconstructive Surgery
California Health and Safety Code 1367.63 requires health care service plans to cover reconstructive surgery. "Reconstructive surgery" means surgery performed to correct or repair abnormal structures of the body caused by congenital defects, developmental abnormalities, trauma, infection, tumors, or disease to do either of the following:


1. To improve function; or
2. To create a normal appearance, to the extent possible.


Reconstructive surgery does not mean "cosmetic surgery," which is surgery performed to alter or reshape normal structures of the body in order to improve appearance.


Requests for reconstructive surgery may be denied, if the proposed procedure offers only a minimal improvement in the appearance of the enrollee, in accordance with the standard of care as practiced by physicians specializing in reconstructive surgery.


Reconstructive Surgery after Mastectomy
California Health and Safety Code 1367.6 requires treatment for breast cancer to cover prosthetic devices or reconstructive surgery to restore and achieve symmetry for the patient incident to a mastectomy. Coverage for prosthetic devices and reconstructive surgery shall be subject to the copayment, or deductible and coinsurance conditions, that are applicable to the mastectomy and all other terms and conditions applicable to other benefits. "Mastectomy" means the removal of all or part of the breast for medically necessary reasons, as determined by a licensed physician and surgeon.


Policy Limitations: Medicare and Medicaid
Policies specifically developed to assist Health Net in administering Medicare or Medicaid plan benefits and determining coverage for a particular procedure, drug, service, or supply for Medicare or Medicaid Members shall not be construed to apply to any other Health Net plans and Members. The Policies shall not be interpreted to limit the benefits afforded Medicare and Medicaid Members by law and regulation.

Continue

You are now leaving HealthNet.com

Health Net of Arizona, Inc.
CommunityCare HMO


The predictability of our HMO plans with the flexibility to see in-network specialists without a referral for certain professional services. Available for small businesses in Maricopa, Pima and Pinal counties.


HSA-compatible plans offer advantages of coverage with the tax-savings potential of a health savings account. It's one way to take more control over your health care dollars.

Health Net of Arizona, Inc.
CommunityCare HMO


The predictability of our HMO plans with the flexibility to see in-network specialists without a referral for certain professional services.


HSA-compatible plans offer advantages of coverage with the tax-savings potential of a health savings account. It's one way to take more control over your health care dollars.

Health Net of Arizona, Inc.
HMO Statewide


The predictability of our HMO plans with the flexibility to see in-network specialists without a referral for certain professional services.

Health Net
Life Insurance Company
PPO


Competitively priced, Health Net Life Insurance Company's PPO insurance plans are a perfect fit for groups that want to offer their employees choice and flexibility. Employees can go directly to our broad PPO network of doctors and hospitals. Or they can see a doctor and use covered services outside the network. Out-of-pocket costs are generally lower when using the PPO network.


HSA-compatible plans offer advantages of coverage with the tax-savings potential of a health savings account. It’s one way to take more control over your health care dollars.

PPO

Competitively priced, Health Net Life Insurance Company’s PPO insurance plans are a perfect fit for groups that want to offer their employees choice and flexibility. Employees can go directly to our broad PPO network of doctors and hospitals. Or they can see a doctor and use covered services outside the network. Out-of-pocket costs are generally lower when using the PPO network.

PureCare One EPO

Exclusive Provider Organization (EPO) insurance plans from Health Net Life Insurance Company bring together HMO and PPO elements. Like an HMO, these plans come with a set provider network – the PureCare One EPO network. There is no coverage for services received outside of the network, except for urgent or emergency care, or for services authorized by Health Net. What’s different is that there is no requirement to have a primary care physician. Members may self-refer to any in-network provider.

SmartCare HMO

Health Net of California, Inc.'s SmartCare HMO plans connect members to a tailored network of provider groups and hospitals near where they live or work. Adding convenience, SmartCare includes access to CVS MinuteClinics for walk-in medical services and preventive care. Available in Los Angeles, Orange, Riverside, San Bernardino, San Diego, Santa Clara and Santa Cruz Counties.

WholeCare HMO

Health Net of California, Inc.’s WholeCare HMO plans come with our largest tailored network – delivering access and affordability for employers and employees alike. Available in 30 counties statewide, WholeCare HMO plans also feature CVS MinuteClinics for walk-in medical services and preventive care.

Salud HMO y Más

Health Net of California, Inc.'s Salud HMO y Más plans are designed to fit California's fast-growing Latino market offering cost-savings for employers (over comparable HMO plans) and predictable copayments for employees. Members enrolled in these plans use the Salud HMO y Más network in California or may self-refer to a participating provider in Health Net's Mexico service area for covered services. Salud HMO y Más plans also feature CVS MinuteClinics for walk-in medical services and preventive care.

PureCare HSP

Health Net of California, Inc.'s PureCare HSPs (health care services plan) work much like an HMO in that members are required to have a primary care physician. What’s different is that HSP members have the flexibility to self-refer to doctors and hospitals in the PureCare HSP network. There is no coverage for out-of-network services, except for urgent or emergency care, or services authorized by Health Net.

Full Network

We've brought our popular Full Network HMO back. It pairs with any of our Gold or Platinum HMO plans in nearly all California counties! These Full Network HMO plans come with our 30 county statewide HMO network. Full Network HMO plans also feature CVS MinuteClinics for walk-in medical services and preventive care.

CommunityCare

We're introducing a pair of CommunityCare Silver and Gold level plans for employers in Los Angeles and Orange counties. These HMO designs come with our locally based CommunityCare network and the convenience of CVS MinuteClinics for walk-in medical services and preventive care.

CommunityCare

Health Net Health Plan of Oregon, Inc. (Health Net) CommunityCare plans are available to Oregon groups located in Multnomah, Clackamas, Washington, Clatsop, Columbia, and Tillamook counties.


Our base plan, featuring the familiar single-tier benefit structure and access to the select Health Net CommunityCare network, is the most affordable CommunityCare option.

CommunityCare Choice Plus

Health Net Health Plan of Oregon, Inc. (Health Net) CommunityCare Choice Plus plans are available to Oregon groups located in Multnomah, Clackamas, Washington, Clatsop, Columbia, and Tillamook counties.


Choice Plus gives members three levels of access and coverage. They can use the CommunityCare network, other Health Net contracted providers, or a non-network provider. Services received via the CommunityCare network are covered at a higher, in-network benefit while out-of-network services are reimbursed at a percentage of the maximum allowable amount.


CommunityCare 3T

Health Net Health Plan of Oregon, Inc. (Health Net) CommunityCare 3T plans are available to Oregon groups located in Multnomah, Clackamas, Washington, Clatsop, Columbia, and Tillamook counties.


CommunityCare 3T gives members three levels of access and coverage. They can use the CommunityCare network, other Health Net contracted providers, or a non-network provider. Services received via the CommunityCare network are covered at a higher, in-network benefit while out-of-network services are reimbursed at a percentage of the maximum allowable amount.


Standard Plans

Health Net Health Plan of Oregon, Inc. (Health Net) Standard plans are available to Oregon groups statewide. The benefit design of these plans match those designated by the State of Oregon. Pediatric vision coverage is included. Pediatric dental coverage is not available with these plans.

PPO

Health Net Health Plan of Oregon, Inc. (Health Net) Preferred Provider Organization (PPO) plans are available to Oregon groups statewide. Our PPO plans feature our widest range of deductible options to fit a variety of budgets.

PPO

Health Net Health Plan of Oregon, Inc. (Health Net) Preferred Provider Organization (PPO) plans are available to Washington groups statewide, and are a perfect fit for groups that want to offer their employees choice and flexibility. They have full access to PPO doctors and hospitals in the First Choice network. Or they can see a doctor and use services outside the network for a higher out-of-pocket cost.

Contact Enrollment Services

Enrolling is easy. Contact your regional Health Net representative using the number below
and we'll help you with the rest.


Here is the contact information for:

91367, LOS ANGELES
Click here to change location.

Medi-Cal: 1-800-327-0502

CalViva: 1-888-893-1569

Dental: 1-800-213-6991

TTY/TTD: 711

Contact Enrollment Services

Joining is easy. Call Health Net using the number below and we will help you with the rest.


Here is the contact information for:

91367, LOS ANGELES
Click here to change location.

Dental: 1-800-213-6991

Where You Can Buy Plans

You can buy health coverage directly from Health Net. We are also a part of Covered California® so you can buy a Health Net plan through the marketplace.


You have to buy health coverage through Covered California to get financial help from the government. You can click our link below to see if you qualify. Then Health Net can help you sign-up.

About Plan Years

Health plan choices may change from year-to-year. There may be new plan choices. Or changes in costs and benefits. Choose the year that matches when you want coverage to start. For example, click 2017 if you are looking at choices for next year. Have a special enrollment period for this year? Then click 2016. Note that the first effective date for our 2017 plans is January 1, 2017.

About Plan Levels

Health plans for individuals and families come in four metal levels: platinum, gold, silver and bronze. The difference between the levels is how much you pay versus how much the health insurance company pays.

There is also a minimum coverage option for people under 30. It’s also for people having financial hardship.

Health Net offers plans in all metal levels. So we have an option for you no matter what level of coverage you want.

About Plan Types

We offer several types of plans. There are HMO and HSP plans offered by Health Net of California, Inc. PPO and EPO insurance plans are offered by Health Net Life Insurance Company.

With an HMO, you have one main doctor called a primary care physician who coordinates all your care. You see your PCP for checkups, advice and care when sick or hurt. Your doctor refers you to other services when you need them. You get all services from the HMO network. There is no coverage if you see doctors who are not in the network, except in an emergency.

EPO insurance plans also come with a network of doctors and hospitals. You do not need a referral to use covered services but you do have to use the EPO network. There is no coverage if you see doctors who are not in the network, except in an emergency.

An HSP (Health care service plan) has one network to use for all covered services. There is no coverage for services received outside of the network, except in an emergency or for urgent care. With an HSP, you are required to pick a primary care physician (PCP)– a main doctor to see for checkups, advice and care when sick or hurt. Members can go directly to any doctor or specialist in the network without the need for a referral.

PPO plans give you the choice to go directly to any doctor. You can see a doctor in the PPO provider network. Or you can visit a doctor outside our network. You generally pay less out-of-pocket when you go to a doctor that is in the PPO network.

You have a PCP PCP referral needed before you get services Have one network for all services OK to get services outside of the network
HMO Yes Yes Yes, CommunityCare No, except as noted above.
EPO No No Yes, PureCare One No, except as noted above.
HSP Yes No Yes, PureCare No, except as noted above.
PPO No No No. Using the PPO network is your choice. When you do, you generally pay less out-of-pocket! Yes

About Financial Help

You can buy health coverage directly from Health Net. We are also a part of Covered California® so you can buy a Health Net plan through the marketplace.

You have to buy health coverage through Covered California to get financial help from the government. You can click our link below to see if you qualify. Then Health Net can help you sign-up.

About Pediatric Dental

Special Needs Plan Disclaimer

CancelContinue