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From our clients...
"Your company is very personable, pleasant to deal with and patient with all my questions. I was new to Health Savings Accounts and wanted to make sure I had a good understanding of what they were."
Linda Nelson - Lenexa, TX
"I would certainly recommend your company to others and feel you are offering a valuable service to all of us who are frustrated with the current health care system."
Diane Rumsey - Edmond, OK
"We were really impressed with the service and the straightforward answers."
Cory Shain - Patskala, OH
Health Net HSA Plans
Health Net has been Creating Innovative and Reliable Health Plan Options for Individuals and Families in California for Over a Decade.
Health Net Insurance offers their Smart Choice HSA and Simple Choice HSA plans (details below) in California. You can also see information on their Farm Bureau division's PPO Choice Saver Select plan (seperate page). All three plans can be used with a Health Savings Account. Health Net Plans in Oregon are also available.
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Accident Coverage
The perfect complement to any HSA
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Health Net HSA Plans at a Glance
These plans qualifies as HSA-eligible. Combining a Health Savings Account (HSA) with these Health Net HSA plans allows you to make tax-deductible contributions, pay medical expenses with pre-tax dollars, and earn tax-deferred interest. This account works much like an IRA, except you may use your tax-free savings for qualified medical expenses your health plan does not cover, such as your deductible, contact lenses, or most types of alternative medicine (see the qualified medical expenses). If you do not use these funds, they simply accumulate with interest, for distribution upon your retirement.
Use the Expand button to the right to view the plan details...
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This information is presented only as a very brief overview of some of the benefits of this plan, and is intended only for general education. The amount of benefits provided depends on the plan selected. Premium will vary with the type of benefits selected. These plans contain exclusions from and limitations of coverage. Please see the product brochure for more complete information, as well as information about terms of renew ability, preexisting conditions, out-of-network penalties, and notification requirements. Plans are subject to health underwriting. To be considered for reimbursement, expenses must qualify as covered expenses. Expenses are also subject to reasonable and customary limits, unless you use a network, and all other policy provisions, including determinations of medical necessity.
Coverage Synopsis
Health Net offers two plans to choose from: SmartChoice HSA Plan and SimpleChoice HSA Plan. Use the Expand button to the right to view a coverage synopsis of both plans...
SmartChoice HSA Plan
This plan covers doctor visits, prescription drugs, vision, accident benefit, and of course, hospitalization. The deductible is waived for preventive care, including Childhood Checkups, Immunizations, Vision, Hearing exams through age 18; Annual OB/GYN exams (breast and pelvic exams, cervical cancer screening and mammography); and prostate exams, all of which are covered at 100%, after a $35 co-payment. For adults, routine physical exams, including routine lab and X-ray services, are also covered, prior to meeting your deductible, for a co-payment of $70.
SimpleChoice HSA Plan
This plan has similar coverage to the SmartChoice HSA plan with the exception that you are covered in full for most services after the deductible has been met (doctor's visits, annual routine physical exams, x-ray and laboratory procedures, outpatient surgery, hospitalization, etc.). Adult preventive care such as annual OB/GYN exams (breast and pelvic exams, pap smears and mammography), yearly prostate cancer screening and exam are covered at $100%, after a $40 co-payment and the deductible is waived. The deductible is also waived after a $40 co-payment for Child Preventive Care such as checkups, immunizations, vision and hearing exams.
Both these plans qualify as HSA-eligible. Combining a Health Savings Account with any Health Net HSA plan allows you to make tax-deductible contributions, pay medical expenses with pre-tax dollars, and earn tax-deferred interest. This account works much like an IRA, except you may use your tax-free savings for qualified medical expenses your health plan does not cover, such as your deductible, dental, eyewear, and most types of alternative medicine (see the HSA qualified medical expenses page). If you do not use these funds, they are always yours and continue to grow tax-deferred.
Please view the Simple Choice HSA and Smart Choice HSA plans brochure for complete details including Plan Provisions, Limitations & Exclusions, and State Variation information. You can view the brochures by running an instant quote and selecting the plan you are interested in.
Rate Information
Rates vary based upon zip code, age, and effective date. Please run an instant quote to see available rates. Your first month's premium must be submitted at the time you apply, and can be paid via check or credit card. Subsequent payments can be paid by credit card or automatic monthly bank draft.
Health Net PPO Network
Health Net has an excellent network of health care providers throughout the state. The large list of doctors and hospitals can be viewed at their online network listings.
Underwriting
Health Net has a very fast, efficient underwriting process, especially if no medical records are needed. While it is always a good idea to apply at least three to four weeks prior to the time you need your new coverage to take effect, some applications are approved in less than a week. If medical records are needed, you may have to reapply, and include medical records.
The company does have the right to accept or decline any individual or family application. Certain conditions may be waivered with a temporary rider (usually for one to two years), or an indefinite rider. If you are currently being treated for depression, anxiety, or high cholesterol, please let us know before you apply so we can avoid unnecessary delays in getting you covered.
Effective Dates
The coverage can go into effect in as quickly as the day your application is approved. You may request an effective date any time the date after you sign the application and 60 days later. Please note that you will be billed starting on your requested effective date, even if you have not yet been notified that you have been approved. This is very good for someone who does not have any present coverage and would like for their benefits to begin as quickly as possible.
For those who are already covered, it is suggested that you maintain your current coverage in force until you have received notice from either HSA for America or directly from Health Net that your coverage has been approved and is in force.
HSA Administrators
Health Net has partnered with Bank of America as their HSA administrator. Benefits include no setup fees, no minimum deposit required, a low monthly fee of $3.95 per account, online account management and bill pay, and a Bank of America visa debit card.
Your health savings account is totally separate from your health insurance, and you may use any approved bank or trustee as your HSA administrator. We recommend that you choose one from our HSA administrator page, where you can compare rates and features.
About Health Net Insurance Company
Health Net Insurance is among the nation's largest publicly traded managed health care companies. The company's HMO, POS, insured PPO and government contracts subsidiaries provide health benefits to approximately 6.5 million individuals in 27 states and the District of Columbia through group, individual, Medicare, Medicaid and TRICARE programs...
Health Net is an early adopter of the National Committee for Quality Assurance (NCQA) new quality plus standards for assessing how health plans measure the quality and efficiency of care provided by physicians and hospitals in their networks.
Health Net has been assigned a rating of B++ (Very Good) from the A.M. Best Company, an independent insurance rating organization.
HSA for America is an independent authorized Health Net agent. CA License #: 0E39302
"I feel like I have a personal advisor who is interested in my family and its needs."
My experience working with HSA for America has been great. I feel like I have a personal advisor who is interested in my family and its needs. What really sets you apart from other companies I have done business with is the personal touch.
I have recommended you to others, and will continue to do so. Keep up the good work.
Greg
Wilber
Service Administrator
Aliquippa, PA
Health Net Insurance in the News
Health Insurance Stocks For a Republican Win
Investors busy assessing how the state of the global economy will affect their stock portfolios should start thinking about how the presidential race will weigh in. In particular, investors may want to look at how to play the health insurance space. Health care remains a subject of divide between the two parties, with Republicans trying to repeal Obama's nationwide health care reform since ...
Health Net 4Q profit drops on military revenue
Insurer Health Net Inc. said Friday its profit decreased 25 percent in the fourth quarter under new terms of a contract with the U.S. military's TriCare health program.Health Net said its profit fell to ...
Health Net Lags on Lower Revenue - Analyst Blog
Health Net Inc. 's ( HNT ) reported income amounted to $60.2 million or 71 cents per share in the fourth quarter of 2011, down substantially from $80.4 million or 83 cents per
Health Net Profit Drops on Lower Government Revenue
Health Net Inc. said its fourth quarter net income fell 25 percent, in part due to terms of its new contract with the U.S. military's TriCare health program. Adjusted results were above Wall Street expectations.
Research and Markets: Customer Contact Experience Benchmarks Health Insurance Industry - Top Channels: Satisfaction ...
Research and Markets has announced the addition of Frost & Sullivan's new report "Customer Contact Experie
Health Insurance Premiums, the ACA, and a Third Way
Almost two years after the ACA was passed, it astounds me the number of people who still don't understand two important points regarding health insurance under the health care law: 1. Even the sickest of the sick cannot be turned down for health insurance coverage. 2. Having an illness has nothing to do with the price individuals will pay in insurance premiums.
Health Net’s & UCLA’s Health Literacy Social Media Program Opens to All Teens Nationwide
Health Net Federal Services, LLC, part of the Government Contracts segment of Health Net, Inc. and the UCLA School of Public Health announced the health literacy social
Health Net Reports Fourth Quarter 2011 GAAP Net Income of $60.2 Million, or $0.71 Per Diluted Share
LOS ANGELES--(BUSINESS WIRE)--Health Net, Inc. (NYSE:HNT) today announced 2011 fourth quarter GAAP net income of $60.2 million, or $0.71 per diluted share, compared with GAAP net income of $80.4 million, or $0.83 per diluted share, for the fourth quarter of 2010. The fourth quarter 2011 GAAP results include a $26.8 million pretax loss related to the run-out of the company’s remaining Northeast ...
Health Net Seeks Earnings Boost With Drug Plan Sale
Insurance: Health Net sells prescription drug business in $160 million deal
Ore. Insurance Premium Hikes Slow in '11
Health insurance premiums continued to grow in 2011 but at slower rates than in recent years, according to the Department of Consumer and Business Services annual report on Health Insurance in Oregon, released Thursday.
