CommunityCare HMO is available through Covered CA in Los Angeles, Orange, San Diego, and parts of Kern, Riverside, and San Bernardino counties.
Plan Overview
Health Net Silver 87 HMO
California Individual & Family Plans
Available through Covered California™
Health Net of California, Inc. (Health Net)
THIS MATRIX IS INTENDED TO BE USED TO HELP YOU COMPARE COVERAGE BENEFITS AND IS A SUMMARY ONLY. THE PLAN CONTRACT AND EVIDENCE OF COVERAGE (EOC) SHOULD BE CONSULTED FOR A DETAILED DESCRIPTION OF COVERAGE BENEFITS AND LIMITATIONS.
The copayment amounts listed below are the fees charged to you for covered services you receive. Copayments can be either a fixed dollar amount or a percentage of Health Net’s cost for the service or supply and is agreed to in advance by Health Net and the contracted provider. Fixed dollar copayments are due and payable at the time services are rendered. Percentage copayments are usually billed after the service is received.
Benefit description | Member(s) responsibility1 |
Unlimited lifetime maximum. Benefits are subject to a deductible unless noted. | |
Plan maximums | $650 single / $1,300 family |
Out-of-pocket maximum (Payments for services and supplies not covered by this plan will not be applied to this calendar year out-of-pocket maximum.) | $2,350 single / $4,700 family |
Professional services | $10 (deductible waived) |
Specialist visit3 | $25 (deductible waived) |
Other practitioner office visit (including medically necessary acupuncture)4 | $10 (deductible waived) |
Preventive care services3,5 | $0 (deductible waived) |
X-ray and diagnostic imaging | $25 (deductible waived) |
Laboratory tests | $15 (deductible waived) |
Imaging (CT, PET scans, MRIs) | $100 (deductible waived) |
Rehabilitation and habilitation therapy | $10 (deductible waived) |
Outpatient services (Outpatient surgery) (includes facility fee and physician/surgeon fees) | 15% (deductible waived) |
Hospital services | 15% |
Skilled nursing care | 15% |
Emergency services | $100 facility (ded. waived) / $0 physician (ded. waived) |
Urgent care | $10 (deductible waived) |
Ambulance services (ground and air) | $75 |
Mental/Behavioral Health/Substance use disorder services6 | 15% |
Mental/Behavioral health/Substance use disorder (outpatient) | Office visit: $10 (ded. waived) Other than office visit: 15% up to $10 (ded. waived) |
Home health care services (100 visits per calendar year) | $15 (deductible waived) |
Other services | 15% (deductible waived) |
Hospice service | $0 (deductible waived) |
Self-injectables7 (other than insulin) | 15% up to $150/script (Rx ded. applies) |
Prescription drug coverage8,9,10,11,12 | $50 single / $100 family |
Tier I (most generics and low-cost preferred brands) | $5 (Rx deductible waived) |
Tier II (non-preferred generics and preferred brands) | $20 (Rx deductible applies) |
Tier III (non-preferred brands only) | $35 (Rx deductible applies) |
Tier IV (Specialty drugs)13 | 15% up to $150/script after Rx deductible |
Pediatric dental14 Diagnostic and preventive services | $0 (deductible waived) |
Pediatric vision15 Routine eye exam | $0 (deductible waived) |
Glasses (limitations apply) | 1 pair per year (deductible waived) |
This is a summary of benefits. It does not include all services, limitations or exclusions. Please refer to the Plan Contract and EOC for terms and conditions of coverage.
1In accordance with the Affordable Care Act, American Indians and Alaskan Natives, as determined eligible by the Exchange and regardless of income, have no cost-sharing obligation under this plan for items or services that are Essential Health Benefits if the items or services are provided by a provider of the Indian Health Service (IHS), an Indian Tribe, Tribal Organization, or Urban Indian Organization, or through referral under contract health services, as defined by federal law. Cost-sharing means copayments, including coinsurance and deductibles. In addition, an American Indian or Alaskan Native who is enrolled in a zero cost-sharing plan variation (because your expected income has been deemed by the Exchange as being at or below 300% of the Federal Poverty Level), has no cost-sharing obligation for Essential Health Benefits when items or services are provided by any participating provider.
2For certain services and supplies under this plan, a calendar year deductible applies, which must be satisfied before these services and supplies are covered. Such services and supplies are only covered to the extent that the covered expenses exceed the deductible. The calendar year deductible applies, unless specifically noted above.
3Prenatal, postnatal and newborn care office visits for preventive care, including preconception visits, are covered in full. See copayment listing for “Preventive care services.” If the primary purpose of the office visit is unrelated to a preventive service, or if other non-preventive services are received during the same office visit, a copayment will apply for the non-preventive services.
4Includes acupuncture visits, physical, occupational and speech therapy visits, and other office visits not provided by either primary care or specialty physicians or not specified in another benefit category. Chiropractic services are not covered. Acupuncture services are provided by Health Net. Health Net contracts with American Specialty Health Plans of California, Inc. (ASH Plans) to offer quality and affordable acupuncture coverage.
5Preventive care services are covered for children and adults, as directed by your physician, based on the guidelines from the U.S. Preventive Services Task Force Grade A and B recommendations, the Advisory Committee on Immunization Practices (ACIP) that have been adopted by the Centers for Disease Control and Prevention (CDC), and the guidelines for infants, children, adolescents, and women’s preventive health care as supported by the Health Resources and Services Administration (HRSA). Preventive care services include, but are not limited to, periodic health evaluations, immunizations, diagnostic preventive procedures, including preventive care services for pregnancy, and preventive vision and hearing screening examinations, a human papillomavirus (HPV) screening test that is approved by the federal Food and Drug Administration (FDA), and the option of any cervical cancer screening test approved by the FDA. One breast pump and the necessary supplies to operate it will be covered for each pregnancy at no cost to the member. We will determine the type of equipment, whether to rent or purchase the equipment and the vendor who provides it.
6Benefits are administered by MHN Services, an affiliate behavioral health administrative services company which provides behavioral health services.
7Self-injectable drugs (other than insulin) are considered specialty drugs, and must be obtained from a contracted specialty pharmacy vendor. Specialty drugs require prior authorization from Health Net.
8Orally administered anti-cancer drugs will have a copayment maximum of $200 for an individual prescription of up to a 30-day supply.
9If the pharmacy’s retail price is less than the applicable copayment, then you will only pay the pharmacy’s retail price.
10The prescription drug deductible does not apply to Tier I prescription drugs. For all other prescription drugs, the prescription drug deductible (per calendar year) must be paid before Health Net begins to pay. If you are a member in a family of two or more members, you reach the prescription drug deductible either when you meet the amount for any one member, or when your entire family reaches the family amount. The prescription drug deductible does not apply to peak flow meters, inhaler spacers used for the treatment of asthma, diabetic supplies and equipment dispensed through a participating pharmacy and preventive drugs and women’s contraceptives. Prescription drug-covered expenses are the lesser of Health Net’s contracted pharmacy rate or the pharmacy’s retail price for covered prescription drugs.
11Preventive drugs, including smoking cessation drugs, and women’s contraceptives that are approved by the Food and Drug Administration are covered at no cost to the member. Preventive drugs are prescribed over-the-counter drugs or prescription drugs that are used for preventive health purposes per the U.S. Preventive Services Task Force A and B recommendations. Covered contraceptives are FDA-approved contraceptives for women that are either available over the counter or are only available with a prescription. If a brand-name preventive drug or women’s contraceptive is dispensed and there is a generic equivalent commercially available, you will be required to pay the difference in cost between the generic and brand-name drug. However, if a brand-name preventive drug or women’s contraceptive
is medically necessary and the physician obtains prior authorization from Health Net, then the brand-name drug will be dispensed at no charge. Vaginal, oral, transdermal, and emergency contraceptives are covered under the prescription drug benefit. IUD, implantable and injectable contraceptives are covered (when administered by a physician) under the medical benefit.
12The Essential Rx Drug List is the approved list of medications covered for illnesses and conditions. It is prepared by Health Net and distributed to Health Net contracted physicians and participating pharmacies. Some drugs on the list may require prior authorization from Health Net. Drugs that are not listed on the list (previously known as non-formulary) that are not excluded or limited from coverage are covered. Some drugs that are not listed on the list do require prior authorization from Health Net. Health Net will approve a drug not on the list at the Tier III copayment if the member’s physician demonstrates medical necessity. Urgent requests from physicians for authorization are processed as soon as possible, not to exceed 24 hours, after Health Net’s receipt of the request and any additional information requested by Health Net that is reasonably necessary to make the determination. Routine requests from physicians are processed in a timely fashion, not to exceed 72 hours, as appropriate and medically necessary, for the nature of the member’s condition after Health Net’s receipt of the information that is reasonably necessary and requested by Health Net to make the determination. For a copy of the Essential Rx Drug List, call Health Net’s Customer Contact Center at the number listed on the back of your Health Net ID card or visit our website at www.healthnet.com.
Generic Drugs will be dispensed when a generic drug equivalent is available. Health Net will cover brand-name drugs, including Specialty Drugs, that have a generic equivalent at the Tier II, Tier III or Tier IV (Specialty Drugs) copayment, when determined to be medically necessary.
13Tier IV (Specialty Drugs) are identified in the Essential Rx Drug List with “SP,” require Prior Authorization from Health Net and may be required to be dispensed through the Specialty Pharmacy Vendor to be covered.
14The pediatric dental benefits are provided by Health Net of California, Inc. and administered by Dental Benefit Providers of California, Inc., (DBP). DBP is a California licensed specialized dental plan and is not affiliated with Health Net. Additional pediatric dental benefits are covered. See the Individual & Family Plan Contract and EOC for details.
15The pediatric vision services benefits are provided by Health Net of California, Inc. Health Net contracts with EyeMed Vision Care, LLC, a vision services provider panel, to administer the pediatric vision services benefits.
Health Net Individual & Family HMO health plans are offered by Health Net of California, Inc. Health Net of California, Inc. is a subsidiary of Health Net, Inc. Health Net is a registered service mark of
Health Net, Inc. Covered California is a registered trademark of the State of California. All rights reserved.
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Health Net complies with applicable federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, or sex. Health Net does not exclude people or treat them differently because of race, color, national origin, age, disability, or sex.
Health Net:
- Provides free aids and services to people with disabilities to communicate effectively with us, such as qualified sign language interpreters and written information in other formats (large print, accessible electronic formats, other formats).
- Provides free language services to people whose primary language is not English, such as qualified interpreters and information written in other languages.
If you need these services, contact Health Net’s Customer Contact Center at 1-888-926-4988 (TTY: 711).
If you believe that Health Net has failed to provide these services or discriminated in another way on the basis of race, color, national origin, age, disability, or sex, you can file a grievance by calling the number above and telling them you need help filing a grievance; Health Net’s Customer Contact Center is available to help you. You can also file a grievance by mail: Health Net of California, Inc., PO Box 10348, Van Nuys, California 91410-0348, by fax: 1-877-831-6019, or online: healthnet.com.
You can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights, electronically through the Office for Civil Rights Complaint Portal, available at https://ocrportal.hhs.gov/ocr/portal/lobby.jsf or by mail or phone at: U.S. Department of Health and Human Services, 200 Independence Avenue SW, Room 509F, HHH Building, Washington, DC 20201, 1-800-368-1019 (TDD: 1-800-537-7697).
Complaint forms are available at http://www.hhs.gov/ocr/office/file/index.html.