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Health Net Health Insurance Company

Wondering if Health Net Health Insurance Company might be the best health care provider to meet your needs? Looking at several aspects of a health insurance company can make this choice easier. It is good to get a feel for the company’s history and goals. It can also be important to understand their scope and the demographic they are designed to serve.

You may be interested in how well the company is rated and you will most certainly want to get an idea of what kind of plans and products they offer. Finally, you will want to compare the price for health coverage through Health Net Health Insurance Company with those of a number of their competitors to ensure that you get the best price.

Read this Health Net Health Insurance review, browse through the customer reviews of Health Net Insurance at the bottom of this article, and then be sure and compare rates from the best health insurance providers in your state by using the free health insurance quote finder on the side of this page.

Health Net History

Health Net Health Insurance Company was founded in 2001 when Physician’s Health Services merged with 1st Option Health Plans of New Jersey, M.D. Health Plan of Connecticut and QualMed Plans for Health in Pennsylvania. The company is currently one of the most sizable publicly traded managed health care corporations and is headquartered in Shelton, Connecticut. Health Net Health Insurance Company offers Health Maintenance Organization (HMO), Preferred Provider Organization, (PPO), Point of Service (POS) and Medicare type products in Arizona, California, Connecticut, New Jersey, New York, Oregon, and Washington, and Medicare only in all other states. Their HMO, PPO, and POS health care products vary in terms of benefits and availability from state to state.

Products, Plans, & Coverage Options

Health Net’s Medicare product features no or low monthly premiums. There is also low or no co-payments for specialists, doctor’s visits, emergency care, preferred medications, and the first physical each year. No co-payment is charged for screening exams or covered immunizations. Chiropractic, dental and vision are optional products that are supplemental in nature and are available in some areas for low monthly premiums.

Health Net Vision Plans

Health Net Health Insurance Company offers Preferred Provider Organization style vision plans. This means that choosing to get your vision care through someone in their preferred provider network will reduce your out-of-pocket costs. They have an extensive network of providers that also includes LensCrafters. The vision plan covers eye exams, and choices of contact lenses, frames, and accessories. This plan does not require that participants fill out claims forms in order to receive the benefits. Health Net’s vision plans are underwritten by Fidelity Security Life Insurance Company and are serviced through EyeMed Vision Care, LLC.

Health Net Dental Plans

Health Net also offers PPO style dental plans. These dental plans have a large network of dentists, oral surgeons and pediatric dentists through which participants will pay fewer out-of-pocket expenses. The plans are offered with different deductibles, calendar year maximums and co-insurance amounts for employer groups. The plans for Arizona and California are underwritten by Unimerica Insurance Company and those for Oregon and Washington are administered by Dental Benefit Providers of California Inc.

Health Net also has two additional dental plans that are only for employer groups in California, HN Plus DHMO and HN Value DHMO. These plans’ benefits include 345 dental procedures that are covered except for a co-payment, adult fluoride treatments, diagnostic procedures, 4 visits for cleanings and maintenance per year, anesthesia, labial veneers, whitening, elective dentistry, and orthodontics for both adults and children. There are no deductibles or dollar maximums that apply to these plans.

Health Net California Health Plans

Health Net has several programs particular to California. These include the Healthy Families Program, the Healthy Kids Program, Access for Infants and Mothers and Medi-Cal. The Healthy Families, Healthy Kids and Access for Infants and Mothers have low monthly premiums and the Medi-Cal is provided with out charge to qualified individuals.

Health Net Healthy Families Program

The Healthy Families Program is federally and state funded and is designed to provide health care to children of low income families who are under 19 years of age. This program operates with HMO style coverage in 35 counties and EPO type coverage in eleven counties. This program provides coverage for doctor’s visits, dental care, vision care, prescription drugs and immunizations. In order to qualify for this plan, a participant needs to be under 19 year of age, ineligible for no cost Medi-Cal, a resident of California, have a family income that meets the requirements, not have been covered under a parents health coverage for a period of 3 months, and be a U.S national, U.S. Citizen or an eligible qualified immigrant.

Health Net Healthy Kids Program

The Healthy Kids Program provides similar coverage to the Healthy Families Program but it adds hospital care and eyeglasses. Participants need to be under 18 years of age, a resident of the county to which they are applying, have family income that is within the guidelines, can’t be eligible for Healthy Families or Medi-Cal, and can’t have been covered by a parent’s employer plan or publicly sponsored plan for a period of 3 months. Undocumented children are eligible for this plan.

Health Net Access for Infants & Mothers Program

The Access for Infants and Mothers Program provides low cost health care to women who are pregnant until 60 days after the baby is born. This plan is designed to help middle income families who don’t qualify for Medi-Cal or mothers who have private health insurance policies that have $500 or more in deductibles for prenatal care. This plan covers prenatal visits, hospital delivery, immunizations, prescriptions and health education. Babies born to mothers while in this program can automatically enroll in Healthy Families. In order to qualify for this program a mother has to be less than 30 weeks into her pregnancy when she applies, her total income needs to be within the specified requirements or have insurance with high deductibles, and she can’t be eligible for Medicare or Medi-Cal. This plan does not charge deductibles or co-payments however, 1.5% of the applicant’s adjusted household income is charged toward participation. This can be paid as a lump sum or in 12 payments. This plan is available in 14 counties.

Medi-Cal

Medi-Cal provides health care at no cost for most benefits to those who qualify. This program is available in ten counties. It provides coverage for doctor visits, lab tests, x-rays, immunizations, health education, prescriptions, emergency care, urgent care, dental care, eye exams and glasses.

Bi-Lingual Customer Service

Health Net Health Insurance Company’s customers in California can take advantage of bi-lingual help lines. Customer service is provided in both Chinese and Spanish. Assistance is available in New York, Connecticut, Pennsylvania, and New Jersey for those who are hearing impaired.

Health Net Awards

Health Net was the top rated Health Management Organization in Arizona from 2004 to 2007 according to public polls. In addition, Health Net Health Insurance received a rating of “B++ good” from A.M. Best in 2007. A.M. Best rates the financial strength and stability of companies. Since the financial circumstances of companies in this economic climate are in a constant state of flux, it is advisable to check for updated information from time to time.

Compare Health Net Health Insurance Quotes

Perhaps Health Net Health Insurance Company sounds like the health insurance company you’ve been looking for. You will still want to compare quotes from this provider with a few other companies with comparable products to make sure you are getting the best price for your health insurance. Enter your zip code into the quote tool above, and start getting free quotes from many top health insurance providers!

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29 reviews

    • 33333
    • Not Rated
    • Not Rated
    • 33333

    about same as oxford but coverage better on prescriptions. They always dispute some charge you have no matter what

  • They are OK. But constantly change the rules. And the monthly costs have risen greatly with renewal

  • Glenn G. Millar /
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    HealthNet guilty of Age Discrimination? I have an individual policy with HealthNet. I’ve been with them 4 years and every year they have raised prices 20-25%. In July 2010 my monthly rate was $147. They let me know that on August 1, my new rate would be $218, an increase of 48%. I paid the August bill.

    Today, 2 weeks later, they informed me that effective Oct. 1, my rate would be $264, an increase of 80%. It would appear they are trying to get rid of me. In July, I turned 50 years old. Coincidence?

  • SoTrue2710 /
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    By far, this is the worst insurance provider I have EVER experienced…and that’s saying something since I’m 65 years old. They advertise dental insurance for Medicare/Medicaid patients in certain parts of Calfornia.

    I called them three times before joining and they assured me that dentures are covered. The first dentist they sent me to wanted $8,822…and that was just MY share of the cost!

    Another dentist recommended dentures but Health Net refused to authorize it. I have one molar left on the bottom and it’s so rotten that I’m in agony.,..but if I let them pull it, how will I chew?

  • ventur4th /
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    I’ve rated them with one star because there isn’t a lower rating.

    If you are hurt in an accident, you’ll pay $100 for an emergency room visit. If you need a follow-up visit (and you probably will if you went to an emergency ward) you will have to wait up to 10 days to see your doctor. But they have one Urgent Care Center that you can use – first come first served no appointments allowed, usually standing room only. Take a look in the back and you’ll find the staff hanging out, eating, texting, chatting etc. Hope you’re not in too much pain or have anywhere to be. (like work)

    Basically, you have an insurance plan that has a $100 office visit charge if you need care within a reasonable amount of time.
    This insurance is worthless if you have a problem that requires follow-up attention. 3rd world countries have better medical services than what is provided by Health Net.

  • George Sims /
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    HealthNet Dental provides general and basic coverage. They get some points for follow-through, however, my discussions with them as to why the will pay a percentage of the cost for a bridge, but no coverage for an implant gave me no satisfaction.

    My argument was that for a FRONT tooth, that broke and had to be surgically removed, a bridge would not make as much sense as an implant. HealthNet Dental stood on policy and would not cover any part of the dentist recommended implant. Many other dental insurance companies are covering a percentage of the cost of an implant.

    When a procedure makes sense, is recommended by the dentist instead of a bridge, and has the best long-term outcome for the patient, I would hope that the insurer would do the right thing. THEY DID NOT! They did not even cover the surgical removal of a tooth.

    • 11111
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    • 11111

    Don’t ever get this insurance.

    We recently changed our insurance from Healthnet PPO to Healthnet HMO. After 3 months of this change we had to fix an appointment for our son’s third year check up. I fixed the appointment with my son’s pediatrician before 2 days of the appointment got phone call from the pediatrician’s office saying that the medical group listed in our insurance was different and that I had to go the medical group listed in my insurance.

    When I saw my online account I found out that the PCP was changed to a place 30 miles away from my place. I called healthnet and asked them how to change it, they said I can change it online or ask the change by phone, so I requested a change but the change cannot come into effect till 90 days( how sweet).

    Then I asked them how could they change the PCP or assign a PCP for us without our knowledge, the representative was very harsh to me saying that I should have got an id card and I should have referred to it, when I said I didn’t get an id card from them she just told ” then you should have referred the manual” which was also not sent to us.

    When they assigned a PCP, we didn’t have any sort of correspondence and the PCP(Primary Care Provider) was 30 miles away. Just imagine travelling for a doctors appointment with any ailment 30 miles

    This insurance sucks …. Pls, Pls don’t take this insurance. I can’t even give a full star for this company

    • 11111
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    I’m done with them.

    For the last 4 years, we’ve been insured with Health Net, and they haven’t missed a single one to raise our rates. Often twice. In 4 years my rate has gone from $190 to $496. Maybe I missed out on the 150% pay raise that everyone else must have got.

    • 11111
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    Do not use this insurance. Their service is a headache.

    1. It does not work prudently. I delivered the baby, healthnet put my primary doctor as baby’s ped. So all the service requested by the hospital was denied by my primary doctor. Of course, it would. It delayed my baby’s medical care.

    2. Its referral authorization takes forever. As long as you are not dead, it doesn’t care your medical condition and make the process painfully long.

    3. Their claims are processed really messy. I was billed for two $1500 co-insurance for me and my baby’s hospitalization. Actually, it should be one. It takes forever for them to clarify the error. Also, I still have several disputed claims with them after 3 months’ delivery.

    I wish Healthnet can go out of business quickly, so people would not suffer their service anymore.

    • 11111
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    The plans are great on paper, but I’m glad I never had to use them because their accounting department is a total disaster. My insurance was canceled three times because they cannot keep track of their billing department.

    Finally, the third time I just decided to shop for new insurance.

    • 11111
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    This company is outsourcing their people’s jobs to India. Therefore all your complaints, insurance issues, etc. will be handled by someone overseas.

    I hate this company; they are conniving swindlers. I hope they go down. Many innocent people are losing their jobs because of their ignorant decisions.

    • 11111
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    If you have a choice, DO NOT GET THIS INSURANCE!

    They are fine if you are healthy, but the minute you become ill, they will find every possible reason to not pay for your care. The health net doctor misdiagnosed my daughter’s epilepsy and gave her a medication that made it worse. Her pediatrician tried to refer her to an epilepsy specialist, but health net refused the referral.

    My daughter’s life was at stake, so I took her anyway. Now I pay $250.00/month for her coverage and I am out of pocket another $500-$1000/month for the treatment health net will not cover. I am in an appeals process, but despite documentation of my daughter’s rare condition from the pediatrician and the specialist, health net continues to deny her coverage.

    In the meantime, I will do my best to ensure that this does not happen to anyone else.

  • fraWoodland /
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    I applied for individual insurance with Health Net. They took too long to approve it, so I decided to cancel my application. A week later, I was charged for the insurance (I was going to pay for 90 days or something). Now I’m requesting a refund… it’s taking forever to get my money back.

    I called them to complain about being charged after I cancelled the application and they say I’ll have to wait at least 25 days for the money. It’s ridiculous. They take a long time to give me the status of the application, but they can use my card to charge for something I wasn’t even approved.

  • Chuck Deutschman /
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    Health Net is horrible insurance! They have slimy methods for reducing their expenses.

    I have had multiple surgeries over the past 9 years due to an infection of the spine contracted in a hospital. Health Net (Profit) secretly wrote my providers and notified them that I was receiving too much pain medication. When my primary care doctor showed me the letter I called Health Net numerous times and they consistently denied that they had sent any letters.

    In the end, they finally admitted that they secretly send out letters if they do not like the type of care you are receiving. I complained and they secretly sent out another letter!

    They are very slimy and refuse to send me correspondence that is protected by HIPPA. Their motto is ‘hurdle the dead;trample the weak’.

    Respectfully, Chuck Deutschman

    • 11111
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    I’ve had a HealthNet HMO plan for a couple of years now. If my employer provided a different choice of insurance companies I would leap at it because HealthNet HMO plans are just awful.

    Either your monthly rates go up each year or like this year the co-payments were increased. It’s now a $30 co-payment for your PCP and what’s even more ridiculous, a $60 co-payment to see a specialist (it used to be $20). I have a medical condition that requires me to see a specialist every 2 months and a $60 co-payment is outrageous.

    I hate HealthNet HMO so much and I wouldn’t recommend them to anyone.

    • 11111
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    Health Net stands for network of Healthy People, as they won’t provide insurance to those with medical issues. I was a former Health Net employee under a group employer plan, then lost my job and wanted to get coverage via an “individual” Health Net plan. Huge mistake.

    I waited almost 2 months to find out that my application was denied. I contacted their customer service about 6 times over the 2 month period and was told someone would get back to me (they never did).

    I finally got a letter stating that I was denied coverage because I had a skin biopsy done. The biopsy was benign (basically a wart) even with a letter from my doctor stating that the biopsy was a wart, they still denied my application.

    I guess the word biopsy means “cancer” to the idiots at Health Net.

    • 11111
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    This is absolutely horrible insurance.

    My employer pays several hundreds a month for my policy, and then I also pay a couple hundred per month for their premium ppo plan.

    This year, my daughter had to go to the ER, and I had to pay the entire $2000 bill because these wankers won’t cover anything until you’ve paid a $3000 deductible per person for the year. Why in the h#$$ would anyone bother to have insurance if when you need it, they won’t pay? It’s a load of crap.

    It’s simply horrible coverage. I wish my employer would just pay me what they’re pang healthnet. If you have this insurance, pray to god you never get sick.

    • 11111
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    Absolutely terrible insurance. Spends hundreds of dollars a month on premiums and then have to pay medical expenses in full because they deny your claim.

    If you are unlucky enough to have this insurance, pray to God you never get sick. This insurance is an example of capitalism gone wrong. Disgraceful.

    • 11111
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    Awful rude customer service. Coverage is minimum even when you pay out of pocket. Horrible… I will give it 0 stars if I could

  • Stephen Kirchner /
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    I had a problem of being double debited for this month, waited a 1/2 hour on the phone and was told they would transfer me to someone to take care of the problem, I was transferred to the same automated start line and waited another half hour.

    Health Net left my checking account $4,211 short…………..due to double debit.

    If you need help good f$%#@&*# luck, if you need emergency medical care, I hope you get it before you die and not left on hold.

    • 11111
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    I am a cancer patient and also have diabetes. My wife and I signed with Health Net on the Obamacare website as this was the most comprehensive offering at the price, although there was nothing cheap or “affordable” about the price.

    Through this plan, we soon discovered my insulin would cost over $1,500 per year. Now, I have now been told, after three months, that I owe $1200 for one chemo treatment. I have three chemo treatments every four weeks and may as well die as I cannot afford to pay this.

    Trying to get through to Health Net’s claims department to get clarification is impossible. My wife and I have spent hours on the phone only to be told we have the wrong department or to be cut off.

    Oh – doctors who are on the Health Net PPO provider list say Health Net have not bothered to conclude the agreement with the doctors and will not take Health Net patients. Fraud?

    • 11111
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    As a result of medical insurance changes, I have new insurance with Provider Healthnet. It is IFP Communitycare Gold HMO. Over the last four months following a series of experiences I have concluded that this provider may be breaking Federal laws and causing deaths and serious injuries of people who have signed on with this particular insurance.

    They have been convicted of related behaviour in several class actions in the past. I believe that they may be collaborating with particular hospitals and doctors to defraud customers.

    In October last year, I was recommended by my physician to have an endoscopy hospital procedure. Because my insurance was changing I needed to wait till January to have the procedure through Healthnet. The company listed 16 gastroenterologists on their website as accepting their insurance in my area.

    When I called all of these doctors none were willing to accept this particular insurance.When I made inquiries through Healtnet’s website about the costing of the procedure and other questions in all cases I received an email from them directing me to a secure part of their website for their reply. In all cases this page was blank. I took a video screen grab of one of these that I can provide.

    My primary doctor was able to get a doctor to accept the insurance. I came to Providence Tarzana Hospital on the 15th of April I believed to have an endoscopy ordered by this doctor. When I came to admissions the paperwork showed a Colonoscopy with biopsy and no endoscopy. This was not ordered by my doctor according to my doctor. The doctor had confirmed on three occasions that I was having an endoscopy and no other procedure.

    The colonoscopy showed a $5,000 dollar plus procedure not approved by my medical insurance. The endoscopy was a $625 procedure according to the hospital. Both procedures included an anaesthetic.

    A supervisor in the admissions department said that the upstairs computer system showed an endoscopy and the downstairs system at admissions where I was asked to sign paperwork showed a colonoscopy with biopsy. A second more senior supervisor said she could not find a record in the system of the colonoscopy though I have the paperwork that they gave me that shows only the colonoscopy so it was in their system.

    I am not convinced that this is not a mistake but was done for financial gain. I suspect that the insurance company or doctor or both are connected to this issue because both would not put in writing any confirmation of the procedure or estimate the price despite six requests.

    I am left with considerable pain and daily bleeding in my chest but no diagnosis because of this issue at Tarzana Providence and the doctor and back to the place I was in last January with no doctors accepting the insurance.

    • 11111
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    You really don’t want this service, your billing will not be what was quoted, your cards will be late, you can’t reach them on the phone, they don’t respond to emails, making a payment by phone won’t happen…

    You get what you pay for, please save yourself the headache and find someone else… To get my issues resolve I had to get the insurance commission.

    • 11111
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    I wish you had a negative star. Worst experience ever.

    I was lucky enough to be allowed to have surgery and now I can’t get the rehab I need. I could go on for pages but if you have them just pray to be well.

  • John Doucette /
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    This is the second year in a row this has happened. Before my policy could start, they required the first month payment up front. I needed a breakdown of the premiums between my wife and me so I could be reimbursed by my former employer. They would not supply the breakdown until the February bill.

    Then, it shows the breakdown for the February bill, not the January bill (not that it should matter but my employer does.) I called Customer “Service” and requested that they email or mail a breakdown. I was told they could not email it unless I requested it online. They said they would mail it but it never arrived.

    I emailed several times with the same request but never, I mean never received even an acknowledgment that they received it through their own site. You can download documents online but they are sent in a “.ndo” file. I do not have the capabilities to open the document and I can find nothing about “.ndo”.

    I called and was told, you guessed it, email them. It’s bad enough that I have lost over $800 but to be jerked around like this is not only wrong, it is highly unprofessional.

    I just wish there was a way to get my complaints to the higher authorities in that company. I’m sure they could use another laugh. Next year: No HealthNet.

  • Lindsey G /
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    I was overcharged on my premium by $170+ in January 2015 and I called Health Net consistently for 7 months and was always told it was going to be taken care of and credited, then when I would call about getting another bill unresolved they would say it probably crossed in the mail.

    In July 2015 (7 months later)I got a call from my doctor stating that Health Net was refusing to pay my medical bills. I finally got fed up and asked to talk to a manager the next time I called. I got transferred to a man named Christian who basically told me that my insurance was cancelled due to non-payment and that the $170 bill had been sent to collections.

    I informed him that I was told by their reps not to pay the balance until it was rectified (which he was able to confirm because she made notes in the account.) He told me that since it was sent to collections there was nothing he could do and that I would need to take it up with the collection agency.

    I asked what about the medical bills I have incurred and he said they would not be paid by healthnet per company policy. So now I have no health insurance, unpaid medical bills, and an account in collections all because this company couldn’t take care of an issue I have been calling about for 7 months.

    • 55555
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    Healthnet California is probably the best insurance for addiction treatment, hands down.

    I’ve seen several of my friends able to go to addiction treatment through Healthnet when other companies don’t have great coverage.

    Be careful with these reviews, There are always bright sides to things like this. I know many satisfied Healthnet clients.

  • Bradley Fischl /
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    This is the second time my pharmacy (Savon, same one I’ve used since 1999) has had to call me and tell me that Health Net would not refill my prescription for my Invokana for my Type II Diabetes.

    Evidently Health Net has a partnership with CVS pharmacy (a Savon competitor) and would rather see me go without than allow me to refill at Savon. I am now required to go to a pharmacy I don’t know, transfer my prescriptions there, and change working with the people I have known going on 20 years. All due to Health Net’s complete lack of customer caring.

    The bottom line is their only concern. They did the same thing with my High Blood Pressure medication (Lisinopril) a few months ago and now I get it even cheaper through another source ($3.99) that my awesome Savon pharmacist told me about.

    On top of the most absurd costs I have ever seen (just paid $105 “copay” for an eye exam! and I now pay $40 for lab tests!) this has got to be the worst customer service company in the industry.

    Them and the idiots at Covered California who determined that I make enough on SSDI to be able to spend 10-15% of it on my medical costs every month. We are dealing with a bunch of pencil pushers who do not give one hoot about us consumers. Stay away from Health Net or pay the price.

    • 11111
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    Tried to get information from them and it was literally impossible. All I wanted to know is what sort of coverages do they have for diabetic care and no one would or could answer that question after being on the line for 30 minutes and talking to two people.

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