Health Net Insurance Review & Complaints: Health Insurance (2024)
Health Net insurance plans are available across the United States. Health Net insurance rates vary between $200 and $400 per month, so read our Health Net insurance review before you start shopping online for health insurance.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...
Licensed Insurance Agent
UPDATED: Feb 5, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Feb 5, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
California-born Health Net Insurance is a nationwide health insurance company that provides a wide array of plans including individual and group plans as well as administration of Medicare, Medicaid, and Veterans Affairs programs. As of 2016, Health Net operates as a subsidiary of Centene and serves all 50 states as well as the District of Columbia. Our Health Net insurance review covers the history, health coverage options and current ratings of this company.
About Health Net
Health Net was founded in 1977 as a nonprofit organization, a status that lasted until 1992 when the company transitioned to for-profit operations. Founded in California, Health Net expanded quickly with the 1993 merger with Qualmed that resulted in the formation of Health Systems International; a further merger in 1997 with Foundation Health Systems made the company the 4th largest insurer in the U.S., serving 17 states. In 2000, the company changed its name back to the original Health Net.
In March of 2016, Centene completed its acquisition of Health Net, with the name remaining the same. Health Net programs are now available in every part of the country, operating as several branches.
Health Net’s individual health insurance plans are only offered in three Western states: California, Oregon, and Arizona. In the remainder of the country, they offer mainly government-sponsored products, administrating Veteran’s Affairs programs, Medicaid, and Medicare. They are one of the biggest insurance companies in California and also manage Medi-Cal and other government programs.
Health Net has headquarters in two locations; the California office is located in Woodland Hills, CA, and a second location is in St. Louis, MA.
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Health Net Insurance Products
In the three states named above, Health Net offers major medical health insurance plans can be purchased individually or offered as employee group benefits. As mentioned, they are also an administrator for multiple government plans. For the purpose of this review, we focused on the plans available in California.
Individual Health Plans
Plans in California are divided into those offered under the Covered California system as well as directly through Health Net. Covered California plans are only available to those who qualify based on income. The plans are similar, but they have some differences in out of pocket costs.
There are three types of plans available: PPO, EPO, and HMO. They vary based on the zip code of the applicant. Most of the plans feature a number in the name that is the coinsurance amount on the plan; copays and deductibles vary.
EnhancedCare PPO
The EnhancedCare PPO plans are offered at multiple levels that vary by coinsurance amount.
They start with the Minimum Coverage (catastrophic) plan and range up to the Platinum 90 plan that has the least amount of out of pocket expense of any of the plans. All of these plans have access to the EnhancedCare PPO network and also provide coverage for out-of-network care. There is one off-exchange plan in this category.
The Catastrophic plan provides three primary care visits free of charge and exempt from the deductible each year. After that, all care is subject to the deductible, and when that is met all care is covered at 100%. The deductible is $7,350 individual (all deductibles are doubled for family).
The Bronze plan has a slightly lower deductible at $6,300, with an out-of-pocket maximum at $7,000. The first three primary care visits are not subject to the deductible and have a $75 copay; this copay applies again after the deductible is met and until the out of pocket max is met.
The Silver plan has a much lower deductible at $2,500. The deductible does not apply to any office visits nor to many other services that instead have copays and coinsurance amounts. Primary care office visits have a $35 copay, specialists $75.
The Gold plan has no deductible for in-network care and copays are $25 for primary care and $55 for a specialist.
The Platinum plan also has no deductible and lower out of pocket costs, with primary care visits at $15 and specialists at $30.
All of the plans include prescription drug coverage.
Other Plans
The regular PPO plans follow the health care exchange’s metal tier levels, starting at the Minimum Coverage plan and going up to the Platinum 90 plan. These are very similar to the EnhancedCare but cover a different region and have a different network. Again, out of network coverage is available. Coverage is much the same as the EnhancedCare PPO plans, with the same deductibles and copays.
The PureCare One EPO plans again come in levels from catastrophic up to Platinum. As an EPO, there is no out of network coverage. There is one Silver level plan that is an off-exchange plan. Again, these plans have the same deductibles and copays as the EnhancedCare plans described above.
The PureCare HSA plans are only offered at catastrophic and bronze levels, which is pretty common for this type of plan. They utilize a Health Savings Account through which all medical bills can be paid until the deductible is met, after which coverage is at 100%.
Finally, there are three CommunityCare HMO plans, offered at Bronze, Silver, and Gold levels. These are managed care plans that limit access to only the provider network and usually require specialist referrals. These tend to be the most affordable plans due to the managed care system. These plans also follow the same pattern of deductibles and copays as the PPO plans. (For more information, read our “CommunityCare Medicare Insurance Review & Complaints: Health Insurance“)
Medicare Plans
Health Net Insurance writes Medicare Advantage plans in California, Arizona, Oregon, and Washington. The plans vary by state.
In California, Medicare Advantage plans are available at a variety of levels, all with HMO coverage and with varying out of pocket costs. Medicare Supplement plans are also available at several levels.
For more information on Health Net’s Medicare options, read our Medicare-specific review.
Rates
We ran quotes in our sample area for a single 30-year-old, and we received a variety of rates for several plan options.
The lowest rate was for the Minimum Coverage EnhancedCare PPO $207.49, with the Minimum Coverage HSA plan slight more expensive at $235.06.
The mid-range plan, the Silver EnhancedCare, came in at $358.91 a month, while the most expensive plan – the Platinum – was $596.78.
We also received some HMO plan choices, with a Silver HMO plan coming in at $271.72 and the Platinum at $419.
These rates are generally in line with what we have seen elsewhere, with the PPO plans not surprisingly are more expensive than the HMO, but not by a large amount.
Health Net Insurance Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Health Net Insurance offers multiple channels for filing claims to make it convenient for policyholders. You can file a claim online through their website, over the phone, or even through mobile apps, ensuring flexibility and ease of access for all policyholders.
Average Claim Processing Time
The average claim processing time with Health Net Insurance can vary depending on the complexity of the claim and the specific policy details. However, Health Net aims to process claims efficiently and strives to provide timely responses to policyholders.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback on claim resolutions and payouts can provide valuable insights into an insurance company’s performance. While Health Net Insurance offers a range of health insurance plans, it’s important for customers to share their experiences regarding the ease of filing claims, the speed of claim processing, and the overall satisfaction with claim resolutions and payouts.
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Digital and Technological Features of Health Net Insurance
Mobile App Features and Functionality
Health Net Insurance offers a mobile app with a variety of features and functionalities to enhance the customer experience. Policyholders can use the app to access their insurance information, view claims status, find healthcare providers, and even file claims conveniently from their mobile devices.
Online Account Management Capabilities
Health Net Insurance provides robust online account management capabilities through their website. Policyholders can log in to their accounts to review policy details, make premium payments, update personal information, and track claims progress, ensuring convenient self-service options.
Digital Tools and Resources
In addition to mobile apps and online account management, Health Net Insurance may offer various digital tools and resources to help policyholders make informed healthcare decisions. These tools can include cost calculators, prescription drug formularies, and wellness resources to support overall health and well-being.
These digital and technological features contribute to a modern and efficient insurance experience for Health Net policyholders, allowing them to manage their coverage and access important information with ease.
Ratings and Consumer Reviews
There is a variety of Better Business Bureau (BBB) pages for Health Net’s different branches. Health Net of California at the Woodland Hills headquarters has a D rating with the BBB. The file lists failure to respond to eight complaints and six complaints that were not resolved as the reason for the reduced rating. There is a total of 82 complaints on this file in the past three years.
Health Net Plan of Oregon has a B- rating, with the rating lowered for failure to respond to two complaints. The Arizona branch is doing better, with an A+ rating and only 16 complaints in the last three years. There appears to be a pretty big difference in how each branch is performing, even when providing the same level of coverage, but it’s worth noting that the California branch is by far the largest and thus likely to have more complaints.
There are a total of 208 reviews of Health Net on Consumer Affairs, with a one-star rating based on the 42 reviews submitted in the past year. Poor customer service and misleading sales information are common complaints, as well as difficulty finding in-network care.
The Yelp reviews are similarly negative, with an overall one-star rating resulting from 155 reviews. Billing mistakes resulting in cancellation are a common complaint here.
Between the issues at the BBB and the similarity of the complaints against this company, there is reason for concern in terms of how they are handling customer service and billing.
The Bottom Line
Health Net Insurance has a lot of plans, and the availability depends on where you live. Their rates are fairly average, with a lot of options to fit just about any budget. The Health Net website provides visitors with more information on their healthcare coverage options. Their reputation, however, leaves something to be desired – it is hard to ignore a D rating from the BBB – which leaves us to recommend that those seeking individual health insurance look elsewhere. They do appear to have a better reputation in Arizona, so insurance shoppers in that state might want to keep them on the list.
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Frequently Asked Questions
What is Health Net Insurance?
Health Net Insurance is a health insurance company that offers a range of health insurance plans to individuals, families, and businesses. They provide coverage for medical services, prescription drugs, and other healthcare needs.
What types of health insurance plans does Health Net offer?
Health Net offers various types of health insurance plans, including:
- Individual and family plans: These are comprehensive health insurance plans designed to cover individuals and their families.
- Medicare Advantage plans: Health Net provides Medicare Advantage plans that offer additional benefits beyond Original Medicare.
- Medicaid plans: Health Net offers Medicaid plans for individuals and families who qualify for low-income healthcare coverage.
- Employer-sponsored plans: H
What are the key features of Health Net Insurance plans?
The key features of Health Net Insurance plans may include:
- Access to a network of healthcare providers, including doctors, hospitals, and specialists.
- Coverage for preventive care, hospital stays, prescription drugs, and other medical services.
- Options for different levels of coverage, deductibles, copayments, and out-of-pocket costs.
- Additional benefits such as wellness programs, telehealth services, and disease management programs.
How can I obtain a quote or enroll in a Health Net Insurance plan?
To obtain a quote or enroll in a Health Net Insurance plan, you can consider the following options:
- Visit the Health Net Insurance website: Their website may have tools or forms to request a quote or initiate the enrollment process.
- Contact Health Net directly: Reach out to their customer service representatives who can provide assistance with quotes, enrollment, and answer any questions you may have.
- Consult with a licensed insurance agent: Insurance agents who work with Health Net can guide you through the quote and enrollment process, providing personalized assistance and advice.
What should I do if I have a complaint or issue with my Health Net Insurance plan?
If you have a complaint or issue with your Health Net Insurance plan, consider taking the following steps:
- Contact Health Net customer service: Reach out to their customer service department to express your concerns and seek resolution.
- File an appeal or grievance: If your claim was denied or you disagree with a decision, follow Health Net’s appeals or grievance process to challenge the decision.
- Seek assistance from state insurance regulators: If you’re unable to resolve the issue directly with Health Net, contact your state’s insurance department for guidance and assistance.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
Secured with SHA-256 Encryption
Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.