Large Group Portfolio

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Large Group

Health Net

Large Group

Portfolio

Doing more. Committing more. Delivering more

opportunities to generate sales

2016

Commercial

Geoffrey Gomez, Health Net We build tools to simplify administration and sales.

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Table of

Health Net?

Karen Boyd, Health Net We translate expertise into innovation.

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Enhanced Choice:

The Solution That Works!

Enhanced Choice is a portfolio of plans with

a defined contribution solution to give your

midsize clients the same advantages as large

group businesses. Our Enhanced Choice

portfolio for California groups 101–500 leads

the way in today’s marketplace with flexible,

cost-saving choices that include:

• A competitive, defined contribution

arrangement for financial flexibility.

• The ability to provide our popular and

proven tailored networks (SmartCare,

Salud HMO y Más, ExcelCare) alongside

the defined contribution arrangement,

making them even more affordable and

competitive!

• Broad employee choice – offering employees

the potential to choose from up to six

plans – the most in the market!

• Employers’ ability to tie their contribution

rate to the lowest-priced plan they choose.

• Less administrative burden and low-cost

plan choices for employers.

Additionally, all Enhanced Choice portfolio

plans are supported by our value-added

services, such as our ProviderSearch tool,

Decision Power

®

Healthy Discounts, health

improvement programs, and our dynamic

website – www.healthnet.com.

Best of all, it’s simple to help clients enroll in

Enhanced Choice:

1. Select a base plan from the available

portfolio options.

2. Set their contribution to 50% of the

lowest-cost base plan.

3. Choose up to six total plans from the

portfolio.

1

4. Employees then enroll in the plan they

want from the options your clients offer.

For more information about Enhanced

Choice benefit offerings, see the benefit grids

on the following pages. And, to help you

sell Enhanced Choice, refer to our benefit

grid materials, which are available at

www.healthnet.com/broker > Forms and

Brochures > Groups 101+.

How it works

101 or more eligible

employees,

up to 500

flexible employee

participation

requirements

=

Access to Health Net’s Enhanced Choice Large Group Portfolio!

+

Employer

selects a

maximum of

6 plans

1

50%

of the base plan

monthly premium

2

Employer pays minimum of

1 _{Employers offering benefits for the first time may choose up to 3 plans.}

2 _{There are different minimum employer contribution requirements for employer groups with no prior} coverage (a.k.a. virgin groups). Please contact your Health Net sales consultant for further details.

Enhanced Choice is showing rapid growth since its recent launch! New dental and vision plan additions with a 1/1/16 effective date add even more marketability!

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Enhanced Choice

Benefit Plans

Large Group HMO/EOA benefits

Medical Pharmacy

Plan

code3 Plan name Office visit Inpatienthospital Outpatientsurgery Out-of-pocket maximum(single / family) Emergency room Plan code deductibleRx brand Rx drug copays

SmartCare HMO SmartCare HMO Rx choices

BJ6 15/250a $15 $250 $100 $1,500 / $3,000 $100 17Q $100 $10 / $30 / $50 BJ7 20/500a $20 $500 $200 $2,500 / $5,000 $100 17R $100 $15 / $30 / $50 BJ8 30/250d $30 $250/day $100 $3,500 / $7,000 $100 22Y $300 $20 / $40 / $60 BJ9 40/500d $40 $500/day $200 $3,500 / $7,000 $100 BJB 50/50% $50 50% 40% $4,500 / $9,000 $100 CK9 50/1500d $50 $1,500/day 50% $4,850 / $9,700 30% CKB 60/1500a $60 $1,500 + 40% 50% $4,850 / $9,700 30% CNV 60/1500a $60 $1,500 + 40% 50% $4,850 / $9,700 $300 + 30%

Salud HMO y Más Salud HMO y Más Rx choices

BKD 15/250a $15 $250 20% $1,500 / $4,500 $50 17Y None $5 / $25 / $45

BKG 15/20% $15 20% 20% $1,500 / $4,500 $50 17Z None $10 / $30 / $50

BKJ 30/20% $30 20% 20% $1,500 / $4,500 $50

BKH 30/30% $30 30% 30% $2,000 / $6,000 $50

C8B 40/40% $40 40% 40% $4,500 / $9,000 $100

EOA4 EOA Rx choices

BK2 20/500a HMO: $20 _{PPO: $40} $500 $500 HMO: $2,000 / $6,000 _{PPO: $4,500 / $9,000} $100 17X_17V None _$100 $10 / $30 / $50 _{$15 / $35 / $55} BK3 30/1000a HMO: $30 _{PPO: $50} $1,000 $1,000 HMO: $2,000 / $6,000 _{PPO: $4,500 / $9,000} $100 22Z $300 $20 / $40 / $60 BK8 30/30% HMO: $30 _{PPO: $50} 30% 30% HMO: $2,000 / $6,000 _{PPO: $4,500 / $9,000} $100

BKC 40/40% HMO: $40 _{PPO: $60} 40% 40% HMO: $4,500 / $9,000 _{PPO: $4,500 / $9,000} $100 CKG 50/1500d HMO: $50 _{PPO: $70} $1,500/day 50% HMO: $4,850 / $9,700 _{PPO: $4,850 / $9,700} 30% CKE 60/1500a HMO: $60 _{PPO: $80 $1,500 + 40%} 50% HMO: $4,850 / $9,700 _{PPO: $4,850 / $9,700} 30% CNW 60/1500a HMO: $60 _{PPO: $80 $1,500 + 40%} 50% HMO: $4,850 / $9,700 _{PPO: $4,850 / $9,700} $300 + 30%

HMO4 HMO Rx choices

BJK 20/500a $20 $500 $500 $2,000 / $6,000 $100 17S None $10 / $30 / $50 BJL 30/1000a $30 $1,000 $1,000 $2,000 / $6,000 $100 17M $100 $15 / $35 / $55 BJS 30/30% $30 30% 30% $2,000 / $6,000 $100 22X $300 $20 / $40 / $60 BJU 40/40% $40 40% 40% $4,500 / $9,000 $100 CK7 50/1500d $50 $1,500/day 50% $4,850 / $9,700 30% CK8 60/1500a $60 $1,500 + 40% 50% $4,850 / $9,700 30% CNX 60/1500a $60 $1,500 + 40% 50% $4,850 / $9,700 $300 + 30% (continued)

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Large Group HMO/EOA benefits (continued)

Plan

code3 Plan name Office visit Inpatienthospital Outpatientsurgery Out-of-pocket maximum(single / family) Emergency room Plan code deductibleRx brand Rx drug copays

ExcelCare EOA ExcelCare EOA Rx choices

BMV 20/500a HMO: $20 _{PPO: $40} $500 $500 HMO: $2,000 / $6,000 _{PPO: $4,500 / $9,000} $100 17X None $10 / $30 / $50 BMW 30/1000a HMO: $30 _{PPO: $50} $1,000 $1,000 HMO: $2,000 / $6,000 _{PPO: $4,500 / $9,000} $100 17V $100 $15 / $35 / $55 BN1 30/30% HMO: $30 _{PPO: $50} 30% 30% HMO: $2,000 / $6,000 _{PPO: $4,500 / $9,000} $100 22Z $300 $20 / $40 / $60 BN4 40/40% HMO: $40 _{PPO: $60} 40% 40% HMO: $4,500 / $9,000 _{PPO: $4,500 / $9,000} $100

CKH 50/1500d HMO: $50 _{PPO: $70 $1,500/day} 50% HMO: $4,850 / $9,700 _{PPO: $4,850 / $9,700} 30% CKF 60/1500a HMO: $60 _{PPO: $80} $1,500 + _40% 50% HMO: $4,850 / $9,700 _{PPO: $4,850 / $9,700} 30% CNZ 60/1500a HMO: $60 _{PPO: $80} $1,500 + _40% 50% HMO: $4,850 / $9,700 _{PPO: $4,850 / $9,700} $300 + 30%

ExcelCare HMO ExcelCare HMO Rx choices

BM8 20/500a $20 $500 $500 $2,000 / $6,000 $100 17S None $10 / $30 / $50 BM9 30/1000a $30 $1,000 $1,000 $2,000 / $6,000 $100 17M $100 $15 / $35 / $55 BMG 30/30% $30 30% 30% $2,000 / $6,000 $100 22X $300 $20 / $40 / $60 BMM 40/40% $40 40% 40% $4,500 / $9,000 $100 CKC 50/1500d $50 $1,500/day 50% $4,850 / $9,700 30% CKD 60/1500a $60 $1,500 + 40% 50% $4,850 / $9,700 30% CNY 60/1500a $60 $1,500 + 40% 50% $4,850 / $9,700 $300 + 30%

HSA/HRA PPO and OOS PPO7 HSA/HRA PPO and OOS PPO _{Rx required plans}

BM1 2000/100/50 $0 $2,000 / $4,000 0% 0% 0% $2,000 / $4,000 0% 18K / 19K _{annual ded.}Subject to $0 BM2 3000/100/50 $0 $3,000 / $6,000 0% 0% 0% $3,000 / $6,000 0% 18L / 19L _{annual ded.}Subject to $0 CHE 3000/70/50 30% $3,000 / $6,000 30% 30% 30% $5,000 / $10,000 $100 + 30% 41C / 42C _{annual ded. $15 / $30 / $50}Subject to

Large Group PPO benefits

Plan

code5 namePlan Office visit

Deductible (single /

family) Coinsurance Inpatienthospital

Outpatient surgery Out-of-pocket maximum (single / family) Emergency

room Plan code deductibleRx brand Rx drug copays

PPO/OOS PPO PPO/OOS PPO Rx choices

BL7 20/500/80/60 $20 $500 / $1,500 20% 20% 20% $3,000 / $9,000 $100 + 20% 18T / 19T None $10 / $30 / $50 BL8 30/500/90/70 $30 $500 / $1,500 10% 10% 10% $2,000 / $6,000 $100 + 10% 18Z / 19Z $100 $15 / $35 / $55 BLB 30/1000/80/60 $30 $1,000 / $3,000 20% 20% 20% $3,000 / $9,000 $100 + 20% 18C6 / 19C6 $300 $15 / $40 / $60 BLC 30/2000/70/50 $30 $2,000 / $6,000 30% 30% 30% $4,000 / $12,000 $100 + 30%

BA3 60/70/5000 $60 $5,000 / $10,000 30% 30% 30% $6,350 / $12,700 $300

Large Group chiropractic benefits

HMO/EOA/ExcelCare EOA/ExcelCare HMO/Salud HMO y Más

Plan code Plan name Office _visit Out-of-pocket maximum _{(single / family)} 5O Chiro $10 / 30 visits $10 $1,500 / $4,500 CI Chiro $10 / 30 visits $10 $2,000 / $6,000 EM Chiro $10 / 30 visits $10 $4,500 / $9,000 AOU Chiro $10 / 30 visits $10 $4,850 / $9,700 AOV Chiro $10 / 30 visits $10 $4,850 / $9,700

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Supplemental

Dental HMO8 _{Member copayment}9

Plan name D0120 periodic oral Diagnostic care evaluation

Preventive care

D1110 prophylaxis – adult D2140 amalgam fillingRestorative treatment

Crowns and pontics D275110_{crown porcelain fused to}

predominantly base metal

HN Plus DHMO 185 $0 $0 $0 $185

HN Plus DHMO 150 $0 $0 $0 $150

HN Plus DHMO 225 $0 $0 $0 $225

Dental PPO11 _{Insured responsibility}12

Plan name Deductible (waived on P&D services)

Maximum

calendar year (P&D/Basic/Major)Coinsurance Lifetime ortho maximum reimbursementOON Orthodontia

Waiting periods DPPO Essential 5 $1,500 $50 / $150 $1,500 0% / 20% / 50% $1,500 MAC 50% after deductible No DPPO Classic 3 $1,500 $50 / $150 $1,500 0% / 20% / 50% $1,500 80% HIAA 50% after deductible No DPPO Classic Plus 1 $2,000 $50 / $150 $2,000 0% / 10% / 40% $1,500 80% HIAA 50% after deductible No Vision PPO13 _{Insured responsibility}12

Plan name Exam _allowanceFrame (exam/lenses/frame/contact Frequency lens – in lieu of lenses) Preferred Value 10-2 N/A $100 N/A / 12 / 24 / 12 Preferred 1025-2 $10 $100 12 / 12 / 24 / 12 Supreme 1010-2 $10 $120 12 / 12 / 24 / 12

Employee Assistance Program, offered by Mental Health Network, Inc.

Single carrier rates per

employee per month multiple carriers per employee per monthRates when Health Net is one of Problem-solving

sessions Employees Employees

101–249 250–499 500 101–249 250–499 500

3 $1.53 $1.43 $1.33 $2.18 $2.08 $1.98

5 $1.77 $1.66 $1.55 $2.78 $2.67 $2.56

8 $2.40 $2.26 $2.12 $4.18 $4.04 $3.90

Life/AD&D

Health Net has a range of coverage options for Life/AD&D. Popular coverage amounts include $15,000, $25,000 and $50,000. Other coverage amounts are available – Please contact your Health Net sales consultant.

Large Group PPO benefits

5_{Plan codes could differ by geography.} 6_{Must be packaged with PPO plan BA3.}

7_{Health Net’s Integrated HSA/HRA with HealthEquity is available.} Large Group HMO/EOA benefits

3_{Plan codes could differ by geography.}

4_{Only one full network option can be chosen (HMO or EOA).}

Supplemental

8_{Health Net Dental HMO plans are provided by Dental Benefit Providers of California, Inc. (DBP). Obligations of DBP are neither the obligations of nor guaranteed} by Health Net, Inc. or its affiliates.

9_{Refer to your Evidence of Coverage and Schedule of Benefits for the full list of covered procedures and exclusions and limitations.} 10_{There is a $75 copayment per crown/bridge unit in addition to regular copayments for porcelain on molars.}

11 _{Health Net PPO plans are underwritten by Unimerica Life Insurance Company. Obligations of Unimerica Life Insurance Company are neither the obligations of nor} guaranteed by Health Net, Inc. or its affiliates.

12_{This is only a summary of benefits. Please refer to the Certificate of Coverage for terms and conditions of coverage, including which services are limited or excluded} from coverage.

13_{Health Net Vision PPO plans are underwritten by Fidelity Security Life Insurance Company and serviced by EyeMed Vision Care, LLC (together, the “Fidelity} Entities”). The Fidelity Entities are not affiliated with Health Net of California, Inc. or Health Net Life Insurance Company (together, the “Health Net Entities”). Obligations of the Fidelity Entities are neither the obligations of nor guaranteed by the Health Net Entities.

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We built our Starting Line-Up (SLU)

portfolio for large group employers looking

for the simplicity and innovation of our

best-selling plans and networks – with sustainable

cost-savings. Knowing our customers helps

us meet their health care needs by designing

coverage options they can afford – and you

can sell! Delivering value, stability, wellness

benefits, and services for our members and

business partners is how we provide health

care that keeps employees healthy and

companies going strong.

We know that for large groups, affordability

is a top priority. Our marketable 2016 SLU

portfolio includes our most affordable plan

solutions for employer groups, helping you

find the right answers to fit every client’s

business needs. Our Standard and Value

HMO and EOA plans, proven and popular

tailored networks, and flexible HSA/HRA

Integrated and PPO options all provide more

ways to expand your sales opportunities!

Extras that count

Every SLU plan comes complete with valuable

extras including:

• Decision Power – An integrated program

created to engage people in their health.

With personalized tools and achievable

goals, our members can feel confident in

their ability to make positive and lasting

behavioral changes.

• Health improvement programs –

Providing interactive ways to address and

improve health risk factors.

• Decision Power Healthy Discounts –

Value-added discounts on lifestyle

improvements, services, products, and

more to support members’ health goals.

• www.healthnet.com – Our dynamic website

gives your clients and their employees

just what they’re looking for, with simple

navigation and easy-to-find information,

for an interactive and satisfying health plan

experience.

Starting Line-Up:

Fitting Every Client’s Business Needs

To help you sell Health Net SLU products,

refer to our benefit grid materials, which

are available at www.healthnet.com/broker

> Forms and Brochures > Groups 101+.

Health Net’s SLU portfolio provides more ways to expand your sales opportunities.

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Health Net continues to offer simple, smart,

sustainable benefit solutions. We make it easy

for you to offer low-cost, quality plan choices

that give consumers and employers peace of

mind – helping them to live well and work

well. At every level of our company, we’re

doing what it takes to make health care work

for members and employers – and to make a

difference every day.

Simple: We’ve developed a defined

contribution solution with products that

feature easy-to-use and understand benefits

for your clients and their employees.

Smart: We offer plans your clients can afford

and their employees will love. All our plans

include support and access to Decision Power,

our ProviderSearch tool, wellness programs,

an employee assistance program (EAP), and

preventive services that help reduce high-cost

service utilization. Proven sales-increasing

products that employees value – benefits that

help them feel well, stay well and promote

engagement in their jobs.

Sustainable: Our tailored networks and

capitated HMOs for large groups mean your

clients can rely on rate stability – making

Health Net solutions affordable now and

for years to come. We have 55%

14

_{of our}

California commercial membership enrolled

in tailored networks – and growing. And

tailored networks offer rate savings available

in select counties and plans over our full

HMO and EOA networks!

Simple, Smart, Sustainable

Solutions

Andre Hamil, Health Net We work hard to pay claims quickly and accurately.

Simple

Smart

Sustainable

See the product description chart on the following pages for more details on Enhanced Choice and Starting Line-Up portfolios offerings.

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Medical and pharmacy

product or network

Description

Service areas

SmartCare Tailored

Network – available with

select HMO and EOA plans

With easy-to-use benefits, predictable costs and a quality network, SmartCare is an attractive, whole-health option for your clients to offer – and for their employees to choose. SmartCare puts the pieces together and offers enhanced value for the health of California employers and employees. SmartCare members receive a chance to earn a $50 gift card, acupuncture and chiropractic services are included as value-added benefits, and access to MinuteClinics, which are located in select CVS stores, is offered.

SmartCare has expanded! Available in all or parts

of 21 counties, effective 1/1/16: Alameda, Contra Costa, Fresno, Kern, Kings, Los Angeles, Napa, Orange, Riverside, Sacramento, San Bernardino, San Diego, San Francisco, San Joaquin, San Mateo, Santa Clara, Santa Cruz, Solano, Sonoma, Tulare, and Yolo

Salud HMO y Más Tailored

Network

Salud HMO y Más is designed for members of the Hispanic community looking for access to budget-friendly, community-based, culturally competent health care. Salud advantages include cost-savings to employers, along with essential benefits, predictable costs and access to a quality health care delivery system designed to respond to Latino preferences. Rate savings over our full HMO network are available for select plans and counties!

All or parts of Kern, Los Angeles, Orange, Riverside, San Bernardino, and San Diego counties

Elect Open Access (EOA)

Our EOA plans combine HMO predictability with set copayments, plus the freedom to visit our PPO network physicians or specialists without referrals for certain professional services. Available in Standard and Value options – Your clients can choose the one that’s right for their business and budget. Employees choose between two tiers of benefits – HMO or PPO – whenever they need services in a doctor’s office.

30 counties statewide

HMO

With more than 35 years’ experience as a top managed health care organization, we develop HMO plans that give your clients and their employees a wide range of services at predictable costs. Available in Standard and Value options – Your clients can choose the one that’s right for their business and budget. Benefits are tied to our HMO provider network – one of the largest in the state.

ExcelCare Tailored Network

– available with select

HMO and EOA plans

Our ExcelCare Network is a select subset of our quality providers in our full HMO network. Whether you pair our HMO or EOA plans with our full network or ExcelCare Tailored Network, you get the same quality benefits no matter which one you choose. Rate savings over our full HMO network are available in select counties!

All or parts of Kern, Los Angeles, Orange, Riverside, San Bernardino, San Diego, San Francisco, Santa Clara, Stanislaus, and Ventura counties

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Medical and pharmacy

product or network

Description

Service areas

PPO

PPO insurance plans make it possible for employees to get the flexibility they want when it comes to a health care provider. Insureds can go to a doctor or hospital in our PPO network – one of the largest in California. They can even see a provider outside of our network. Our Standard and Value PPO insurance plans are well-suited for your group clients.

HSA-compatible PPO:

HSA/HRA Integrated

Our HSA-compatible plans are offered with integrated HSA or HRA account options through HealthEquity. A proven expert in financial arrangement integration and administration, HealthEquity offers easy-to-use tools and

comprehensive resources for greater convenience, service and choice in consumer-directed health care benefits.

HSA-compatible PPO

Our low-premium, high-deductible PPO insurance plans give employees broad benefits and access to our statewide PPO network, along with the tax-saving potential of a Health Savings Account (HSA). These smart plans are an effective way for clients to take a consumer-directed health care approach to the way they offer benefits.

EZ Access HSA-compatible

PPO

As an option, clients can get an EZ Access HSA plan, which pairs any one of our HSA-compatible plans with a convenient bank debit card.

Pharmacy

HMO, EOA and PPO plans come with a choice of pharmacy options that mirror the drug levels of our formulary. Each includes fixed copayments, mail-order cost savings, and a choice of an applicable $100 or $300 deductible for brand-name drugs. HSA-compatible PPO plans include set benefits. SmartCare plans include a choice of two built-in pharmacy options.

Coverage area matches individual medical product or tailored network enrollment

Chiropractic and

Acupuncture (chiropractic

only available in Enhanced

Choice)

Chiropractic and acupuncture coverage key features include self-referral services, convenient copayments and coverage of medically necessary X-rays, lab tests and items (chiropractic only). SmartCare plans include built-in chiro/acu benefits.

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Dental. Vision. Employee Assistance Program. Life/AD&D. Helping employees gain and maintain healthier lifestyles is

a key selling point! We offer the essentials to complement medical coverage and a variety of healthy life choices.

Bundle and save! Your clients can enjoy up to 2% in combined savings with our multiproduct bundling program. Groups

with a minimum of 101 employees and less than 500 enrolled members pay less for medical premiums when they add

Dental, Vision and/or Life to the quote. Contact your Health Net sales consultant for more details.

Supplemental product Description

Service areas

Dental

Dental HMO and PPO plan choices provide clients with value, flexibility, simplicity, and a focus on preventiion and wellness. These affordable dental plans offer comprehensive coverage and provide access to one of the largest dental networks in California.

Vision

Three categories of vision PPO insurance plans come standard with these key features: no or low copayments, provider choice including optical retailers, frame choice, contact lenses by mail, discounted LASIK or PRK (if authorized), secondary purchase plan.

Mental Health Network,

Inc. Employee Assistance

Program (MHN EAP)

An EAP helps employees address personal problems that might affect their health, well-being and job performance, resulting in fewer absences and more productivity. With tools for lowering health risks, managing stress and increasing resilience, a small investment in MHN’s EAP can yield big returns: optimal health, well-being and productivity.

Statewide

Life/AD&D

Health Net has a range of coverage options for term Life/AD&D. Popular coverage amounts include $15,000, $25,000 and $50,000. Other coverage amounts are available – Please contact your Health Net sales consultant.

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Members have access to Decision Power through current enrollment with Health Net of California, Inc. and Health Net Life Insurance Company (Health Net). Decision Power is not part of Health Net’s commercial medical benefit plans. It is not affiliated with Health Net’s provider network, and it may be revised or withdrawn without notice. Decision Power services, including clinicians, are additional resources that Health Net makes available to enrollees. PPO, Life and AD&D insurance plans are underwritten by Health Net Life Insurance Company, a subsidiary of Health Net, Inc. Health Net Dental HMO plans are underwritten by Dental Benefit Providers of California, Inc. (DBP). Obligations of DBP are neither the obligations of nor guaranteed by Health Net, Inc. or its affiliates. Health Net Dental PPO and indemnity plans are underwritten by Unimerica Life Insurance Company. Obligations of Unimerica Life Insurance Company are neither the obligations of nor guaranteed by Health Net, Inc. or its affiliates. Health Net Vision plans are underwritten by Fidelity Security Life Insurance Company and serviced by EyeMed Vision Care, LLC (together, the Fidelity Entities). Discounts on vision care services and products are made available by EyeMed. The Fidelity Entities are not affiliated with Health Net of California, Inc. or Health Net Life Insurance Company (together, the Health Net Entities). Obligations of the Fidelity Entities are neither the obligations of nor guaranteed by the Health Net Entities. Chiropractic and acupuncture coverage is administered by American Specialty Health Plans of California,

Large Group Portfolio

Large Group

Health Net

Large Group

Portfolio

Doing more. Committing more. Delivering more

opportunities to generate sales

2016

Commercial

Table of

Contents

Why Choose Health Net?

2

Enhanced Choice: The Solution That Works!

3

Enhanced Choice Benefit Plans

4

Starting Line-Up: Fitting Every Client’s Business Needs

7

Simple, Smart, Sustainable Solutions

8

Contact Information and Sales Materials

Back cover

At Health Net of California, Inc. and Health Net Life Insurance Company

(Health Net), delivering affordable health care is our top priority, and we

offer a strategic blend of benefit solutions to make it happen. By providing

affordable health coverage in concert with a commitment to the people and

communities we serve, we do what it takes to make health care work for

large employer groups and their employees.

Strong numbers

Our parent company, Health Net, Inc., has

the strength and stability to focus on care

delivery and the resources to innovate. With

robust annual revenues, assets, cash, and

investments, we provide health benefits to

more than six million members across the

country and behavioral health services to

more than six million individuals.

Community commitment

Our success is powered by a local commitment

to the individuals, companies and communities

we serve. Headquartered in Woodland

Hills, California, Health Net monitors and

is proactive in understanding local issues

throughout the state. And we maintain strong

ties with our provider communities, drawing

upon their local expertise to enhance our

community awareness.

Transforming how we do business

We’ve aimed high with our benefit coverage

products and new ways of doing business,

leading the way in this evolving marketplace.

We examine the industry, anticipate market

needs, and offer forward-thinking solutions

employers and employees want and need.

We have growing expertise with public

and private exchanges, and have increasing

enrollments in both.

Portfolios and products

Our Enhanced Choice and Starting Line-Up

portfolios and products make it easy for you

to offer low-cost plan choices that give your

clients and their employees peace of mind –

helping them to live well and work well!

Why Choose

Health Net?

Enhanced Choice:

The Solution That Works!

Enhanced Choice is a portfolio of plans with

a defined contribution solution to give your

midsize clients the same advantages as large

group businesses. Our Enhanced Choice

portfolio for California groups 101–500 leads

the way in today’s marketplace with flexible,

cost-saving choices that include:

• A competitive, defined contribution

arrangement for financial flexibility.

• The ability to provide our popular and

proven tailored networks (SmartCare,

Salud HMO y Más, ExcelCare) alongside