Rate Information:
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.
PPO
Network:
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.
Underwriting:
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.
Effective
dates:
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.
HSA
Administrator:
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.
About
Health Net:
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.
