Sep 16, 2022
2023 Portfolio updates
Health Net has simplified several plan names, removing "+ Child Dental" to be easier to understand. All plans still include all ACA required benefits and no benefits have been removed.
Health Net has discontinued all EnhancedCare and PureCare plans from their 2023 portfolio.
Rates
- Medical: Q1 2023 small business rates will have a 0.9% increase for HMO plans, and a 1.5% decrease for PPO plans.
- Dental: New rates available. No plan changes at this time.
- Vision: No rate or plan changes at this time.
- Optional chiro: New for 2023, all PPO plans will have the chiro rider option. The chiro rider will be an additional $3.00 PMPM for all HMO and PPO plans.
Underwriting
Health Net is continuing their current promotions:
Enhanced Choice Promo
- Must have 5 active subscribers.
- Groups of 5-100 eligible employees.
- No DE-9C required.
- No prior carrier bill required.
- All eligible employees declining coverage must provide a waiver including those enrolling with another carrier.
- Employees enrolled on another carrier through the same employer will not count against participation.
Sell HMO with 6 Promo
- Mix and match any HMO plans + Full Network PPO Bronze plans.
- Must have 6 active subscribers.
- No DE-9C, participation attestation, or prior carrier bill required.
- No minimum participation requirement. Waivers are not required unless sold alongside Life or Employer Paid Dental/Vision.
- No PPO plans.
- New HMO sales only
Health Net's relaxed paperwork requirements make selling groups easier!
- 2 weeks of payroll for a startup groups of any size (down to 1)
- Mix and Match any of their 52 plans
- Health Net can be written alongside any carrier, no limit to the number of carriers if participation is met
- Groups of 1-4 enrolling, 70% participation
- Groups of 5-100 enrolling, 25% participation is required -Not a promotion!
- PEO subgroups accepted with a quarterly wage report or 2 weeks of payroll from the PEO.
2023 Small Group Portfolio Highlights
- Health Net is continuing no medical deductibles in any HMO plans on Full, WholeCare, SmartCare, or Salud networks.
- Simplifying PPO plan naming and removing the term "Value" from plan names.
- Adding chiropractic buy-up rider for all PPO plans to match HMO options.
- All Small Group plans will have Babylon at a $0 copay.
- Eliminating member copays and coinsurance for abortion services.
Why Health Net?
Health Net offers an array of small group benefit solutions and are committed to offering the right size plans and networks that are designed to suit your clients' needs.
- Access to quality care paired with affordable rates.
- Health Net's plans and networks are winning combinations of affordable, competitive rates, and access to quality care. They offer HMO and PPO solutions for each small business client.
- Robust provider network options.
- Health Net offers a robust number of options to meet benefit, coverage, provider access and budget needs. Clients have the choice and flexibility with Health Net's five networks: Full Network HMO, WholeCare HMO, SmartCare HMO, Salud HMO y Mas, and CommunityCare.
- Clients also have a choice with our PPO network in the state of California. With their first Health out-of-state PPO network, your clients can rest assured that they have access to a national network of doctors and hospitals in all 50 states, Washington, D.C. and Puerto Rico.
- More flexible underwriting.
- Enjoy simpler selling and flexible choices with health net's underwriting guidelines and two promotions.
- For groups enrolling 5 or more eligible enrollees with Health Net, employees enrolled on another carrier through the same employer are now considered valid waivers.
- Participation guidelines have been reduced to 25% for groups with 5 or more enrolling employees within Health Net's Enhanced Choice program, or you can sell HMO only with just enrolling 6 employees!
- Concierge style service for ALL brokers
- Health Net has a dedicated account manager assigned to ALL brokers. Health Net's expert account management team is here to make sure that brokers and their clients have a positive experience.
- More Network Choices.
- Mix-and-Match HMOs and PPO so your clients can have the flexibility of picking their favorite plan design and pairing it with any of the networks offered in their location.
- Access to video appointments 24/7 with Babylon®
- Health Net members can speak to a doctor 24/7 and a therapist weekdays 7a.m.-7p.m. (pacific time) through the Babylon app with most plans at no additional cost. The Babylon app (available in English and Spanish) is a convenient way for Health Net members to discuss non-emergent health issues like cough and sore throat, anxiety, depression, cold and flu and more! During video visits, members can get answers about urgent prescription refills, labs and x-rays. Members can check and monitor symptoms through the Babylon app.
Contact your Amwins Connect Regional Sales Manager for more information on Health Net's Q1 Updates.
