Health Net of California
Health Net offers a number of product solutions to support businesses at every level, from Small Business to Mid-Market to Large Groups. Health Net has a highly flexible and scalable portfolio of products, so that you can find the plan thats right for your employees, whether they number 4 or 40. From HMO to PPO and POS, Health Net has the solution for your business's unique needs.
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Health Net of California Small Group Health Products
Health Net HMO and HMO Silver Network:
With an HMO product, each member chooses a Primary Care Physician from the Health Net HMO network. To receive coverage, all treatment must be sought in-network, and all referrals must be processed through this Physician (PCP). This solution provides the widest level of coverage, at an affordable, predictable monthly cost.
The HMO Silver Network is a unique feature available to certain California counties, and is essentially a division of the standard HMO plan to highlight the network's most cost-efficient providers. This solution maintains the HMO level of coverage, but with a slightly smaller network and significantly discounted pricing structure.
Health Net ELECTSM Open Access:
This POS solution has two tiers of benefits, bringing together the coverage strengths of an HMO and an Open Access PPO. If you elect treatment through the HMO tier, all care will be managed by your Primary Care Physician and out-of-pocket costs will remain low. However, if you choose to elect the 'open access' feature, you are free to pursue treatment without a referral and will continue to receive benefits as long as you stay within the Health Net network. Within the Open Access structure, however, you cannot actually receive treatment without your PCP approval, only seek consultation.
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Health Net PPO:
Preferred Provider Organization Plans (PPOs), offer a wider level of freedom for the member, as you are no longer bound to a single PCP and can choose from any provider within Health Net's network of more than 44,000 physicians. Receive full benefit coverage for in-network treatment, and partial support for any care sought outside of the Health Net network. PPOs typically command a higher out-of-pocket cost for both incidentals and monthly fees, but are an ideal product for individuals who want greater choice in their care and are less concerned with bottom line.
Health Net POS:
The Health Net ELECTSM POS is a two-tiered Point of Service product, similar to the Open Access PPO but with a wider level of freedom. Again, members have the freedom to choose between an HMO tier, which channels all care through a Primary Care Provider, and a PPO tier, which enables the member to seek consultation and treatment from any provider in the network. Keep costs lower by electing the HMO tier, or maximize your control over your care with the POS solution.
Health Net Flex Net:
This traditional fee-for-service plan is a managed indemnity product which integrates a PPO product with out-of-network benefits. Members have the largest amount of freedom and control with this option, as they now have the ability to seek covered services from any licensed provider. Monthly and out-of-pocket costs are highest with this product, as is member control and flexibility. For out-of-network coverage, members typically pay a set deductible and coinsurance amount.
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As insurance regulations vary and offerings shift, the products described may not be available in all areas. Please request additional information from Health Net in your area for specific details and availability.
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