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  • Health Net Introduces “Dual Networks” Effective 5/1/2011

    Health Net is debuting an expanded, dual network small business group plan portfolio called, “Offer More, Spend Less.” The dual network approach allows mixing and matching for just the right combination of coverage and price.

    Small business clients will be able to offer a selection of full network and tailored network plans to their employees.

    1. Pick one or more of four new full network HMO plans. These plans were  modeled after those most favored by Health Net’s small business groups.  The chart below shows a summary of the difference in benefits.
      HMO 20 STD DUAL NET HMO 20 STD HMO 30 STD DUAL NET HMO 30 STD
    MHPA plan code 1RX 5NP 1RY 5NQ
    Non-MHPA plan code 1EK 5NK 1EL 5NL
    Specialist Consultation $20 $30 $30 $40
    Emergency Room $100 $150 $100 $150

     

      HMO 30 VALUE DUAL NET HMO 30 VALUE HMO 40 VALUE DUAL NET HMO 40 VALUE
    MHPA plan code 1SR 5NR 1ST 5NN
    Non-MHPA plan code 1EQ 5NM 1ER 5NJ
    Specialist Consultation $30 $50 $40 $60
    Emergency Room $100 $150 $100 $150

     

    2.      Once you’ve selected the full network HMO plan(s), you can bundle them with either the Silver Choice or Bronze Choice portfolio.

    These plans are now available for quoting. For more details on the new plan designs, click on the PDFs below.

    More Standard and Value Designs
    Health Net is also expanding their Standard and Value plan collections with more coverage/cost combinations for today’s small business owner.

    • Standard PPO Plans: four new choices
    • HMO and EOA: four more of each with choice of network
    • Value PPO Plans: four new choices
    • New $50 copayment plan in either an HMO or EOA

    HRA Plan Benefit Enhancement
    Also new for May 1, 2011, Health Net is enhancing their HRA plans. Members now have benefit coverage for in-network doctor visits at a set 50% coinsurance after their deductible is met.

    New, Lower-cost PPO Dental Plans
    Three of them to be exact. Healthy teeth are important, and so is making it easy and affordable for employers to provide dental coverage for their employees. For example, the Essential Value plan delivers savings by including endodontics, periodontics and major oral surgery under major benefits. Plus, all of the new plans include health promoting features like extra services for pregnant women.

    Rates are effective May 1, 2011 through July 15, 2011 effective dates.

    5.11 – HN Ancillary Programs Brochure.pdf
    5.11 HN Benefits Guide.pdf
    5.11 – HN Dual Network Option Brochure.pdf
     

     

     This document is not intended to be authoritative, and its accuracy is not guaranteed. It is believed to be correct at the time of its printing. Any questions about official interpretations of the law should be directed to legal counsel.

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