Health Net Insurance offers a Health Savings Account combined with a tax-favored qualified high-deductible health insurance plan. This combination provides:
Health Net Insurance offers their Crystal HDHP plan. Please run an instant quote for complete plan details.
Rates vary based upon zip code, age, and effective date. Please run an instant quote above to see available rates. 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 has 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. While it is always a good idea to apply at least three to four weeks prior to the time you need your new coverage to take effect, some applications are approved in less than a week. If medical records are needed, you may have to reapply, and include medical records.
The company does have the right to accept or decline any individual or family application. Certain conditions may be waivered with a temporary rider (usually for one to two years), or an indefinite rider. If you are currently being treated for depression, anxiety, or high cholesterol, please let us know before you apply so we can avoid unnecessary delays in getting you covered.
The coverage can go into effect in as quickly as the day your application is approved. You may request an effective date any time the date after you sign the application and 60 days later. Please note that you will be billed starting on your requested effective date, even if you have not yet been notified that you have been approved. This is very good for someone who does not have any present coverage and would like for their benefits to begin as quickly as possible.
For those who are already covered, it is suggested that you maintain your current coverage in force until you have received notice from either HSA for America or directly from Health Net that your coverage has been approved and is in force.
Health Net has partnered with Bank of America as their HSA administrator. Benefits include no setup fees, no minimum deposit required, a low monthly fee of $3.95 per account, online account management and bill pay, and a Bank of America visa debit card.
Your health savings account is totally separate from your health insurance, and you may use any approved bank or trustee as your HSA administrator. We recommend that you choose one from our HSA administrator page, where you can compare rates and features.
Health Net Insurance is among the nation's largest publicly traded managed health care companies. The company's HMO, POS, insured PPO and government contracts subsidiaries provide health benefits to approximately 6.5 million individuals in 27 states and the District of Columbia through group, individual, Medicare, Medicaid and TRICARE programs.
Health Net is an early adopter of the National Committee for Quality Assurance (NCQA) new quality plus standards for assessing how health plans measure the quality and efficiency of care provided by physicians and hospitals in their networks.
Health Net has been assigned a rating of B++ (Very Good) from the A.M. Best Company, an independent insurance rating organization.
HSA for America is an independent authorized Health Net agent.