Health Insurance Product Reviews (BETA)
Major Carriers and High Deductible Health Plans
Health Net of California is one of the largest health plans in the state, serving nearly 2.3 million members statewide. It contracts with more than 51,000 physicians, 300-plus hospitals and nearly 5,000 pharmacies, giving its members greater choice and more convenient access to care. Its commercial HMO and POS and Medicare lines of business have received the "excellent" accreditation status from the National Committee for Quality Assurance, and its Medicaid line of business has received the "commendable" accreditation status. Health Net's HMO, POS, insured PPO and government contracts subsidiaries provide health benefits to approximately 6.6 million individuals in all 50 states and the District of Columbia through group, individual, Medicare, Medicaid and TRICARE and Veterans Affairs programs. Health Net’s behavioral health services subsidiary, MHN, provides behavioral health, substance abuse and employee assistance programs (EAPs) to approximately 7.3 million individuals in various states, including the company’s own health plan members. The company’s subsidiaries also offer managed health care products related to prescription drugs, and offer managed health care product coordination for multi-region employers and administrative services for medical groups and self-funded benefits programs.
Estimated number of members in California: More than 2,300,000
Rating from A.M. Best: B++
URL: www.healthnet.com
California Network:
- Number of Health Net doctors in California: 51,000
- Number of Health Net hospitals in California: 300
Popular Plans from Health Net
- NetSaver 1500Vimo Editorial Profile
The NetSaver 1500 has a lower deductible than some similarly priced high deductible plans on the market, such as the Nationwide PPO Choice Saver Select, but does feature higher coinsurance. After you've burned through your deductible, you'll pay 25 percent of most of your fees until your out-of-pocket-maximum (OOPM) of $4,000 is reached. Then the plan covers 100 percent. - PPO ValueChoice 1500Vimo Editorial Profile
Health Net's PPO ValueChoice 1500 is similar to their Saver 1500, with the same deductible -- but ValueChoice provides prescription drug benefits, something the Net Saver doesn't do. - SimpleChoice HSAVimo Editorial Profile
Health Net, which has an excellent network in California, is selling high-deductible PPO plans that qualify holders for a Health Savings Account (HSA). - SimpleValue 30 GenericVimo Editorial Profile
Health Net offers three SimpleValue plans which only differ in the amount they require you to pay as a copayment for a doctor's office visit -- $30, $40 or $50 – and the coinsurance amounts – 30%, 40%, or 50%. - SmartChoice HSA Compatible PPO PlanVimo Editorial Profile
Health Net, which has an excellent network in California, features a small number of high-deductible PPO plans that qualify holders for a Health Savings Account (HSA).
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