for Health Net 2018 There s never been a better time to sell Health Net Small Business Group

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1 Small Business Group Health Net of California, Inc. and Health Net Life Insurance Company (Health Net) Top Reasons for Health Net 2018 There s never been a better time to sell Health Net Susan Potthoff, Health Net We partner with you to promote workforce health.

2 Health Net has a decades-strong commitment to California small business groups. Now, we re strengthening that commitment with new business-boosting solutions to help you sell more and earn more. Effective 7/1/18 12/31/18: Lower-priced HMOs: Our new Platinum $30 and Gold $35 HMO come with lower premiums than our other plans in these metal tiers. On-demand doctor house calls are available in select urban areas through Heal! Your PPO clients individuals and all group sizes now have a new way to connect to primary, preventive and urgent care. Sell Salud with Only 2! We ve dropped the participation requirements for Salud HMO y Más. All you need is 2 active subscribers! Plus, groups may mix and match any plans that come with the Salud HMO y Más network and offer Salud alongside other carriers. Easy money with our 2018 bonus program! $100 per member for every small business sale in Q3 and Q no limits whether you work through a general agent or bring a group directly to Health Net. Relaxed underwriting with our EnhancedCare Choice Package. This package includes HMO, HSP, EnhancedCare PPO (in Los Angeles), and Bronze Full Network PPO plans. 35% participation for groups with eligible employees. Skip the paperwork! No DE-9C, payroll or prior carrier bill for groups of 10 or more eligible employees that enroll a minimum of 10 active subscribers. For groups of 6 or more eligible employees that enroll a minimum of 6 active subscribers, we ll accept a prior carrier bill in lieu of a DE-9C. And that s not all!

3 Small Group 2.0 portfolio The way health coverage works for small business Health Net designed Small Group 2.0 to give you a range of plan options to satisfy any small group customer needs. Mix-and-match HMOs and PPOs make us a competitive, one-carrier solution! Your clients can have the flexibility of picking their favorite plan design and pairing it with any of the networks we offer in their location. Carol Kim, Health Net We put the pieces together for sustainable affordability. Tailored network HMO plan designs can be paired with a choice of the SmartCare HMO, WholeCare HMO or Salud HMO y Más networks. These plan designs are also available with Full Network HMO. Full Network PPOs in every metal level, including PPO Value Plans in Gold and Silver for a more affordable PPO option. PureCare HSP plans are our newest small group tailored network plans in all metal tiers. EnhancedCare PPO combines the choice and flexibility of a PPO with the tailored network experience of an HMO for your Los Angeles clients. One-stop shopping with ancillary products for a well-rounded, total health benefits package when you quote dental, vision, chiropractic, life, and AD&D products alongside medical. Small business groups who want to buy via Covered California TM have their choice of: PPO plans in all metal tiers. EnhancedCare PPO HDHP, which includes virtual visits via Teladoc.

4 More than an ID card We invest in whole health and simplicity We address the needs of the whole person through integrated resources and support that span the entire spectrum of care with our Decision Power : Health & Wellness program. Focus on early access and prevention: We want our members to use their preventive benefits! We connect them to the care and resources they need to help them be their healthiest. Support online and on the go: HealthNet.com makes it easy for our members to build healthy habits and get things done! Plus, everything you need to effectively and easily sell Health Net is available to you at broker. Local personal service Your account executive can help answer your questions, address your concerns and fast-track your Health Net sales. Onsite open enrollment support: Simplify open enrollment for your clients by having our retention specialists provide onsite renewal and meeting assistance. Plus, our expert sales staff and broker services team offer in-person strategic consults to support you and your business. Performance as promised Fast claims processing is a key to happy clients for you. 99% of group plan claims are processed within 30 days. And we have improved our processing within 10 business days to 97%. 1 Health Net remains the only health plan in the nation, to date, to earn the NCQA Multicultural Health Care Distinction simultaneously for its Commercial, Medicaid, Medi-Cal, and Medicare lines of business. At Health Net, we believe in the power of partnership. We dedicate significant resources to engage our providers and monitor quality of performance against established goals. We work with our providers at a grassroots level an ability that is unique to our local delivery model and staff. 1Data reported for October December 2017.

5 Strength and stability you can count on Health Net is a wholly owned subsidiary of Centene Corporation, a company that ranks #66 on the 2017 Fortune 500 list. Now, we can take our local expertise and amplify it with the financial strength that powers our innovation for the health of our community. #244 Fortune s Global 500 list (2017). #27 Fortune s Fastest Growing Companies (2017). #19 Fortune s Change the World list (2017). Financial information current as of December 31, 2017, for Centene Corporation.

6 There s never been a better time to make Health Net your go-to for health coverage solutions that work for business! You have options: Visit our Broker Hub at for everything you need to sell. Contact your Health Net account executive, who is standing by to consult and answer questions. Get personal support from your Broker Services team at , option 4. Health Net HSP, HMO and Salud con Health Net HMO y Más plans are offered by Health Net of California, Inc. PPO and Life/AD&D insurance plans are underwritten by Health Net Life Insurance Company. Vision plans, other than pediatric vision, are underwritten by Fidelity Security Life Insurance Company and serviced by EyeMed Vision Care, LLC. Health Net Dental HMO plans, other than pediatric dental, are offered and administered by Dental Benefit Providers of California, Inc. (DBP). Health Net Dental PPO and indemnity plans, other than pediatric dental, are underwritten by Unimerica Life Insurance Company. Obligations of Fidelity Life Insurance Company, DBP and Unimerica Life Insurance Company are neither the obligations of, nor guaranteed by, Health Net, Inc. or its affiliates. Health Net of California, Inc. and Health Net Life Insurance Company are subsidiaries of Health Net, Inc. Health Net and Salud con Health Net are registered service marks of Health Net, Inc. All other identified trademarks/service marks remain the property of their respective companies. Covered California is a registered trademark of the State of California. All rights reserved. BRO020256EO00 (6/18)