Health Net Insurance
Health net insurance: providing a complete major medical protection cover
Health Net Insurance offers a Health Savings Account combined with a tax-favored qualified high-deductible health insurance plan. The advantages include a lower-cost Major Medical Protection, significant Premium Savings, immediate Tax-savings, and long-Term Investment Vehicle.
Health Net Insruance generally offers one of the better values for HSA plans in California and Arizona. Their SmartChoice HSA 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.
The rates for Health Net insurance vary based upon zip code, age, and effective date. 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 insurance claims to have 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. Health Net has a very fast, efficient underwriting process, especially if no medical records are needed.
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