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A Better Decision Starts with a Clear Understanding

At Health Net we're intent on providing an array of plans so you can select what works best for you and your family. In addition, we offer a variety of programs to help you make decisions about your health care needs.

If you are self-employed, between jobs, or just looking for dependable, affordable health care coverage, we have a plan that is right for you. Health Net offers the flexibility to choose a different coverage option for each member of your family.

PREFERRED PROVIDER ORGANIZATION PLANS (PPO)

For individuals and families looking for more flexibility, a Preferred Provider Organization (PPO) is a perfect choice. Here, you can select providers from a large network. And, you simply pay a copayment or coinsurance at the time of service. With a PPO plan, you can see an out-of-network provider without a referral. You’ll pay a slightly higher deductible for out-of-network services compared to in-network services.

HIGH-DEDUCTIBLE HSA-COMPATIBLE PPO PLANS

When it comes to health care, fi nances are always a concern. Adding a Health Savings Account (HSA) to a high-deductible health plan can provide cost-conscious health coverage and real tax advantages. Our HSA-Compatible plans offer you peace of mind—knowing that medical expenses are covered while still giving you control of your health care dollars. It’s simple and costeffective. It’s definitely a secure health plan for your future, and a plan ahead of the rest.

HEALTH MAINTENANCE ORGANIZATION PLANS (HMO)

HMO’s are a great choice for individuals and families requiring routine care, with no unusual medical needs that require out-of-network specialists. Basically, under an HMO, you’re required to select a primary care physician who will direct your medical needs through the HMO network. The advantages of an HMO include slightly lower annual premiums, little or no claims fi ling, and preventive programs.