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Large Business Group Plans

Health Plans

Health Net provides a range of relevant, affordable health plan solutions for your large employer groups – backed by expert business support for you, your clients and all of our members.

  • Stronger Networks, Better Value
    With strategic provider partnerships, we provide valuable tailored network solutions for large employers, in addition to our nationally recognized, full-network EPO options.
  • A Healthier Workforce = Lower Costs
    We have also pioneered innovations in the area of proactive health care – offering unique wellness services like Decision Power® Health & Wellness tools with most of our plans.

Health Net is recognized as a driving force in tailored network strategies.

This stems from our ability to look more closely at key provider partners who share the same commitment to offering quality, affordable products. The result – We discover more opportunities to build network solutions that match the varying needs of our customers.

CommunityCare

Built on a strategic partnership with Portland-Metro providers, Health Net CommunityCare delivers long-term sustainability through a unique blend of benefits, tailored network and personal, whole health support.

With CommunityCare, members can choose among three plan options, as well as a range of deductibles. And by going to in-network providers, members can cut their cost through split cost share.

With a tailored network, and no referrals, members have a more personalized, trusted relationship with their providers. And with healthy living incentives, including health risk assessments, coaching and wellness programs, members are motivated to make healthy choices. Employees receive all of this, while employers maintain the flexibility they need.

Highlights

  • No referrals needed
  • Healthy living incentives
  • Several plan options and deductibles to choose from

Our preferred provider organization (PPO) members have access to an expansive network of both local and out-of-state providers. They'll also have coverage for a wide range of medical services – and specialist visits require no referral.

Highlights

  • No referrals required for in-network specialists
  • Freedom to choose in-network or out-of-network providers
  • Large provider network
  • Wide range of covered services
  • No claims to file when you visit an in-network provider

A Health Savings Account (HSA) allows members to set aside a portion of their pre-tax income to an interest-bearing account used for qualified medical expenses and medications. Anyone enrolled in a high-deductible health plan can contribute to an HSA. Benefits include: The money stays with the member, even if they change jobs; no time limit on using funds; and contributions are free of FICA and FUTA taxes.

A Health Reimbursement Arrangement (HRA) is an employer-sponsored plan. An employer sets allowances for employees who can then use that money to be reimbursed for medical expenses.

Integrated HSA/HRA

A Health Savings Account (HSA) allows members to set aside a portion of their pre-tax income to an interest-bearing account used for qualified medical expenses and medications. Anyone enrolled in a high-deductible health plan can contribute to an HSA. Benefits include: The money stays with the member, even if they change jobs; no time limit on using funds; and contributions are free of FICA and FUTA taxes.

The addition of account integration provides a whole new level of service, convenience and choice for employer groups and employees alike. By utilizing HealthEquity’s easy-to-use tools and comprehensive resources, clients can maximize health savings and experience high levels of excellence in customer service.

HSA/HRA advantages

The HSA/HRA product offering creates selling opportunities that can generate increased client satisfaction and return business, including:

  • Helping clients realize short- and long-term savings opportunities through their health care benefits
  • Confirming how clients can empower employees to build health savings and take advantage of significant tax savings

For more information, contact your Health Net sales consultant, or visit the HealthEquity website for sales materials.

Find enrollment forms and HSA/HRA integrated benefit grid in our Forms and Brochures pages.

HSA-Compatible Plans

Health Net has created HSA-compatible plans for groups. This easy-to-use program accommodates members by allowing them to control their personal health savings account (HSA) and receive low monthly premiums, while employers benefit through potential tax savings. Members have the option to use any financial institution of their choice, or to open an HSA in one of our HSA-compatible plans through HealthEquity, Inc.

Accessibility

Members have 24/7 access to their online account, including online bill pay, expense tracking and investments tracking.

Member benefits

  • Low premiums
  • No referrals
  • Combined medical and pharmacy deductible
  • Tax-free contributions
  • Investible rollover savings
  • HSA funds earn interest

Above is general information only. For more details on the tax advantages of an HSA, please consult with a professional tax advisor.

Large Business Group Forms and Brochures

Beyond outstanding health insurance, Health Net offers a variety of complementary supplemental plans – helping you deliver a comprehensive benefits solution for your employer groups.

To view/download a variety of detailed supplemental plan materials, visit our Forms and Brochures pages.

Health Net Alternative Care Services include:

  • Chiropractic Care
    Chiropractors use their hands to manipulate the joints and tissues of the spine or other joints in the body. They may also use some therapies such as heat, electricity or exercise advice. These treatments can help improve your health, mainly by easing pain and boosting blood flow. Chiropractic treatments may also help improve your posture and movement, and make your joints and muscles work better.
  • Acupuncture
    Acupuncture is an ancient form of Traditional Chinese Medicine. Today it is widely used in the U.S. as a method to encourage the body to heal naturally and function better. Placing fine needles at certain points is thought to help your nerves and brain to feel pain differently. Acupuncture is used to treat a wide range of health issues such as back, neck and joint pain, nausea, headaches, and more.
  • Naturopathic Medicine
    Naturopathy, or naturopathic medicine, is based on helping the healing power of nature. Naturopathy is a holistic system, meaning that naturopathic doctors (N.Ds) or naturopathic medical doctors (N.M.Ds) strive to find the cause of disease by understanding the body, mind and spirit of the person. Most naturopathic doctors use a variety of therapies and techniques (such as foods, herbs and acupuncture). They focus on supporting the body’s own healing abilities and helping people make better lifestyle choices to promote health.
  • Therapeutic Massage
    Therapeutic massage is used to treat problems related to the soft tissues of the body. It can help release tense muscles to ease pain and boost range of motion when you have an injury. It can also help reduce stress and relax the body and mind. Massage styles vary. Some use slow, deep compressions and strokes. Other types of massage use lighter pressure by applying broad, gliding and kneading strokes.

Oregon Large Business Groups alternative care is administered by American Specialty Health (ASH).

Dental Plans
Dental PPO insurance plans are provided by Health Net Health Plan of Oregon, Inc. and administered by Dental Benefit Providers, Inc. who offers large networks of dentists and substantial savings on in-network dental services. Learn more by visiting Health Net Dental Plans.

Vision Plans
There are a variety of eye care benefits, including discounts on eyewear and member services hours designed around members' busy schedules. Only pediatric vision benefits are available in Washington. Pediatric vision benefits are provided by Health Net Health Net of Oregon, Inc. and administered by EyeMed Vision Care, LLC. Discounts on vision care services and products are made available by EyeMed for our adult members. Learn more by visiting Health Net Vision Plans.