Health Net of California, Inc. and Health Net Life Insurance Company (Health Net) Small Business Group Why Choose Health Net? Here are the top reasons At Health Net, we help keep people healthy and companies going strong by designing and delivering a broad spectrum of benefits and services essential to whole health. Our passion for health, commitment to people and innovation in local care delivery make us the choice for health. Solutions that work for your business Smart: We specialize in offering a broad range of health plans that deliver the right coverage at the right price plans that work for your employees. Sustainable: We focus on bringing you rate stability and cover every stage of life. You can stay with us even as your employees health care coverage needs change over time. Whole-health support: We invest in our members health with no-cost wellness programs and discounts on healthrelated products. Our members can count on popular and proven programs like mystrength, which helps them stay mentally and physically healthy. Enhanced Choice for new groups of 1 100 employees Relaxed underwriting with Enhanced Choice Package B. This package includes HMO, HSP, EnhancedCare PPO (in Los Angeles), and Bronze Full Network PPO plans. 35% participation for groups with 6 100 eligible employees. Reduced paperwork options for groups of 6 or more eligible employees and active subscribers and groups of 10 or more eligible employees and active subscribers. No recertification at renewal when maintaining at least 2 active subscribers. (continued)
Diverse portfolio We deliver the HMO and PPO benefits that your employees value and that engage them in their health. You have the flexibility of picking your favorite plan design and pairing it with any of the networks we offer in your location. You can even mix-and-match HMOs and PPOs! HMO 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. Our new Platinum $30 and Gold $35 HMOs come with lower premiums than our other plans in these metal tiers. Now employers in Los Angeles, Orange and San Diego counties can offer CommunityCare HMO in Gold, Silver and Bronze. The plans come with the tailored CommunityCare HMO Network and feature lower premiums. Teladoc telehealth services are available by phone, mobile app or the Web for a $0 copayment (deductible applies on certain plans). Your employees may use Teladoc providers when their physician s office is closed or they need quick access to health care services. PPO More PPO choices: Three new plan designs offer lower price points than our standard plans and no integrated medical/rx deductible like our Value plans. Available in Platinum, Gold and Silver. Our wide range of PPO and EnhancedCare PPO plans provides flexibility and choice, and is supported by one of the largest medical and pharmacy networks in California. Our PPO members who travel within the United States have access to the First Health Network available in all 50 states, Washington, D.C., and Puerto Rico. PPO claims are processed fast. 99% of group plan claims are processed within 30 days. And we have improved our processing within 10 business days to 97%. 1 Most of our plans include access to care via MinuteClinics (at participating CVS pharmacies). One-stop shopping with ancillary products for a well-rounded, total health benefits package! You may purchase dental, vision, chiropractic, infertility, life, and AD&D products alongside medical. Note: Some plans already have chiropractic benefits embedded. Working closely with you Your business is our priority. Our expert Account Management team ensures a smooth and positive experience: We answer your questions and address your concerns and make your benefit administration simple. Our employee retention specialists provide onsite renewal and open enrollment meeting assistance. Our customer service focus is on firstcall resolution for our members and doing all the legwork so they never have homework. (continued)
Strength and stability you can count on A wholly owned subsidiary of Centene Corporation, ranked #66 on the 2017 Fortune 500 list, Health Net has the financial strength to innovate for the health of our community. More strengths of Centene Corporation: 2 #244 Fortune s Global 500 list (2017). #27 Fortune s Fastest Growing Companies (2017). #19 Fortune s Change the World list (2017). Total assets of approximately $21.9 billion. Centene s subsidiaries had aggregate statutory capital and surplus of $5.0 billion as of 9/30/17. 2018 expected revenues of $60.6 $61.4 billion. $10.1 billion in cash and investments. Centene s overall enrollment as of December 31, 2017, was 12.2 million members, up 7% from one year ago. Part of the local community for nearly 40 years We make a positive difference by monitoring local issues throughout California so that our health plans fit the individuals and communities we serve. We build strong ties with the provider community, drawing upon local expertise to transform the customer experience. Our doctor, hospital and pharmacy networks have our members covered with choices near where they work and live. 1 Data reported for January June 2018. 2 Financial information current as of December 31, 2017, for Centene Corporation, except for statutory capital as of 9/30/2017. Membership data includes 2.8 million TRICARE eligibles and 216,300 non-risk members. Health Net of California, Inc. and Health Net Life Insurance Company are subsidiaries of Health Net, Inc. and Centene Corporation. Health Net is a registered service mark of Health Net, Inc. All other identified trademarks/service marks remain the property of their respective companies. All rights reserved. FLY024887EL00 (10/18)
Nondiscrimination Notice In addition to the State of California nondiscrimination requirements (as described in benefit coverage documents), Health Net of California, Inc. and Health Net Life Insurance Company (Health Net) comply with applicable federal civil rights laws and do not discriminate, exclude people or treat them differently on the basis of race, color, national origin, ancestry, religion, marital status, gender, gender identity, sexual orientation, 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: Individual & Family Plan (IFP) Members On Exchange/Covered California 1-888-926-4988 (TTY: 711) Individual & Family Plan (IFP) Members Off Exchange 1-800-839-2172 (TTY: 711) Individual & Family Plan (IFP) Applicants 1-877-609-8711 (TTY: 711) Group Plans through Health Net 1-800-522-0088 (TTY: 711) If you believe that Health Net has failed to provide these services or discriminated in another way based on one of the characteristics listed above, you can file a grievance by calling Health Net s Customer Contact Center at the number above and telling them you need help filing a grievance. Health Net s Customer Contact Center is available to help you file a grievance. You can also file a grievance by mail, fax or email at: Health Net of California, Inc./Health Net Life Insurance Company Appeals & Grievances PO Box 10348, Van Nuys, CA 91410-0348 Fax: 1-877-831-6019 Email: Member.Discrimination.Complaints@healthnet.com (Members) or Non-Member.Discrimination.Complaints@healthnet.com (Applicants) For HMO, HSP, EOA, and POS plans offered through Health Net of California, Inc.: If your health problem is urgent, if you already filed a complaint with Health Net of California, Inc. and are not satisfied with the decision or it has been more than 30 days since you filed a complaint with Health Net of California, Inc., you may submit an Independent Medical Review/Complaint Form with the Department of Managed Health Care (DMHC). You may submit a complaint form by calling the DMHC Help Desk at 1-888-466-2219 (TDD: 1-877-688-9891) or online at www.dmhc.ca.gov/fileacomplaint. For PPO and EPO plans underwritten by Health Net Life Insurance Company: You may submit a complaint by calling the California Department of Insurance at 1-800-927-4357 or online at https://www.insurance.ca.gov/ 01-consumers/101-help/index.cfm. If you believe you have been discriminated against because of race, color, national origin, age, disability, or sex, you can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights (OCR), electronically through the OCR Complaint Portal, 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. Health Net of California, Inc. and Health Net Life Insurance Company are subsidiaries of Health Net, Inc. Health Net is a registered service mark of Health Net, Inc. All rights reserved. FLY018690EP00 (6/18)