Health Net California

Health Net continues to be the 4th most popular carrier offered through the California Health Exchange. Click Health Net Covered California for more details on plans through the Health Insurance Marketplace. The top three carriers are Anthem Blue Cross, Blue Shield and Kaiser Permanente. Molina Healthcare has been growing in popularity and may threaten to bump Health Net in California to 5th place.

Medical Plan Offerings

Health Net California plans are offered through Covered California, Medi-Cal/Medicaid, Medicare and directly through the carrier. California Choice includes Health Net as an option for group health insurance in California.


In some areas of California, Health Net offers narrow networks in order to keep their premiums down. Also, they have some of the most robust networks on some plans in some rate areas. See below for helpful links:

Customer Service

The Health Net California customer service contact phone number is 1-800-522-0088. Be aware that Health Net has received some bad reviews for poor customer service and billing problems in the last couple years. Their claims address for Individual and Family Plans is: P.O. Box 14702; Lexington, KY 40512.


by John Hansen

Health Net has issued off cycle second quarter rate changes that will impact Covered California Small Business renewals and new business with effective dates of May 1, 2017 and June 1, 2017.

However, as a result of this delay, April rates will not be affected. 

Covered California is calling on their agents to make sure clients are aware of these new rates when selecting plan offerings for their business, either during their renewal process or when quoting new business for these effective dates. If you have any questions, please call 1-877-752-4737 and select the option 5 for our small business department.


Posted: February 24th, 2017 under Health Plans in California, Health Net California

by John Hansen

Health Net medical insurance coverage includes both HMO and PPO products. According to the Health Net Health Plan, their HMO plans are more popular in Southern California, while their PPO products are more popular in Northern California.

For HMO, the Health Net Health Plan (now owned by Centene since the recent merger) offers a full network as well as skinny network products. In Southern California, consumers often choose the skinny networks, which offer lower premiums.

In Northern California, Health Net medical insurance coverage includes the broadest networks. According to Health Net reps, their networks in the northern areas of California are comparable to Anthem Blue Cross and Blue Shield of California.

Prices tend to be based on network, with the skinniest networks offering the cheapest plans. The Health Net Insurance Company offers their most robust networks off exchange. So Health Net Covered California Plans will tend to have smaller networks.

Health Net reps argue...

Posted: July 12th, 2016

by John Hansen

The Centene-Health Net Merger is the first of three major health care mergers in California to occur this year. The Aetna-Humana and Anthem-Cigna mergers are still facing regulatory review.

Centene purchased the Health Net Insurance Company and stock shares were divided. According to Fierce Health Payer, “Health Net shareholders received 0.622 shares of Centene common stock and $28.25 in cash for each share at closing, making the total transaction value about $6 billion, including the assumption of debt, according to the announcement.” Also, Health Net Insurance Plan’s CEO (Jay Gellert) and CFO (James Woys) remained on as advisers to Centene’s CEO, Michael Neidorf.

Dave Jones, California Commissioner from the Department of Insurance, in a speech on May 17, assured Californians that he was keeping a close eye on these mergers.

Jones was concerned because the research suggests that mergers, like that of Centene and the Health Net Insurance Company, usually do not en...

Posted: July 12th, 2016

Not sure how Obamacare affects your health care plans in California? Learn how the ACA works in California, including benefits, costs and enrollment.

Covered California is the Golden State’s official health exchange marketplace where individuals, families and small businesses can find high-quality, low-cost California government health insurance.

Learn about Obamacare income guidelines in California using our income limits chart, and see if you’re eligible for government assistance.

Learn about the Covered California website. Find easy online enrollment. Set up your account, log in, buy insurance and more on the California health marketplace website.