Health Net California Health Insurance
Health Net is a wholly owned subsidiary of Centene, Corporation, which is based in St. Louis, Missouri. In California, Health Net is focused on providing medical insurance to individuals and families, seniors (Medicare age 65 +) and people in low-income plans (Medi-Cal). Health Net offers coverage to employers of small businesses. Today, their prices are very competitive, particularly in Southern California.
Health Net offers a full range of HMO, PPO, and HSA small group plans of all metal tiers: Platinum, Gold, Silver, and Bronze. Platinum plans have the best benefits but also have the highest premiums. The benefits and premiums decrease with each metal tier, with Bronze being the lowest.
You can visit the following Benefits Cafe pages for more information about HMO, PPO, and HSA plans:
Strengths
Health Net offers a wide selection of plans and provider networks. They offer a variety of HMO and PPO plans that range in size from very small to very large networks. Health Net offers only one PPO network, which seems to include a lot of providers in Southern California. The provider network in Northern California can be challenging in some areas.
Very Competitive Pricing: Health Net PPO and HMO plans often offer the best benefits with the lowest premium (monthly cost) compared to other insurance companies. As a result, Health Net has gained market share in the California small group market.
Challenges
We have had some clients who have found the Health Net provider network to be lacking, particularly in Northern California. We have also heard complaints of delayed or denied medical services. These may be unique to specific services.
Pricing and Employer Strategy
Health Net’s Salud Y Mas HMO plan is well-priced and geared towards Spanish speakers. This HMO plan has a very narrow network of providers who are only available in certain parts of Los Angeles, Orange, San Bernardino, and San Diego counties. If most of your employees speak Spanish and your business is located within these counties, this may be a viable option for your company.
Health Net California medical plans are becoming more competitive. Their PPO plans may be a good fit if you’re looking for affordable PPO coverage. You should include Health Net plans in your survey of alternatives. Benefits Cafe can help set up your small business with Health Net insurance plans for your employees. Give us a call at 800-746-0045 and we can prepare quotes to show you the plans that work best for you.
(800) 746-0045
