Oct 29, 2019
Health Net has introduced a simplified 2020 Small Group Solutions portfolio that’s easy to sell with attractive plan choices at competitively low rates.
| 2020 New Plans and Designs | Network Pairing |
|---|---|
| Rich PPO plans help employees control costs: | |
|
Two new Gold PPO plans with $0 and $500 deductibles, including child dental |
Full PPO and EnhancedCare PPO |
|
A standard Bronze PPO plan with a lower cost share of 40% after the deductible |
Full PPO |
| "Pick your plan; pick your network” HMO portfolio and CommunityCare plans! | |
| Health Net offers refreshed benefits and new lean plans: | |
|
CommunityCare HMO Silver $50 |
CommunityCare HMO |
|
CommunityCare HMO Bronze 6300/65 |
CommunityCare HMO |
|
Gold HMO $50 with a competitive market rate! |
WholeCare HMO, Full HMO, SmartCare HMO, and Salud HMO y Más |
| Vision Plans | |
|
Health Net’s 2020 vision portfolio pairs their most popular plans with the vision provider network offered today — for groups of all sizes New 2020 small business vision plans include Elite 1010-1, Supreme 010-2, Plus 20-1, Preferred-Value 10-3, and Exam-only 2020 supplemental sales are simple with a new ancillary enrollment form! |
Your clients can add vision plans to any of their portfolio medical plan/network pairings |
Underwriting Deals
| Program | Details | Networks and Plans |
|---|---|---|
| New! Voluntary Dental/Vision with 2 |
No DE 9C or payroll is required for any group requesting voluntary dental/vision rates. A minimum enrollment of 2 employees per plan is needed. | All networks Dental and vision plans |
| Sell HMO With 6 | There are no required DE 9C, participation attestations, prior carrier bill, or waivers with a minimum of 6 active subscribers. | WholeCare HMO, Full HMO, SmartCare HMO, Salud HMO y Más, Community Care HMO |
| Sell Salud with Only 2! | Sell Salud HMO y Más with as little as 2 active subscribers! Plus, groups can mix and match any plans that come with the Salud network, and offer Salud alongside other carriers. | Salud HMO y Más |
| Enhanced Choice Package B | This package includes HMO, HSP, EnhancedCare PPO (in Los Angeles), and Bronze Full Network PPO plans with a 35% participation for groups with 6–100 eligible employees. | WholeCare HMO, Full HMO, SmartCare HMO, Salud HMO y Más, Community Care HMO, PureCare HSP, EnhancedCare PPO, Full PPO Bronze plans |
The Top 10 2019 Small Business Values Continue in 2020
Top Selling:
1. The WholeCare HMO network offers a broader network and more affordability than many HMOs in the market
2. Platinum $30 and Gold $35 HMO plans come with attractive benefit designs with no deductibles and low premiums
Smart:
3. Mix-and-match HMOs and PPOs to allow clients to pair their favorite plan design with any Health Net network in their location
The EnhancedCare PPO is the lowest-cost choice in Los Angeles for the combined experience of the flexibility of a PPO and Part-time employees are counted as a fraction of a full-time employee, which must be added to the total count. Assuming full-time employees work 40 hours per week:
- A part-time employee working 10 hours a week equals 1/4 of what a full-time employee works (0.25 FTE)
- A part-time employee working 20 hours a week equals 1/2 of what a full-time employee works (0.50 FTE)
4. The cost savings of an HMO
5. You can switch your clients to Health Net with the competitively priced PPO/HMO combo package and help them save
Sustainable:
6. Match Health Net’s competitive HMO plans with one of their tailored networks or their Full HMO network
7. A wide range of PPOs give your clients choice among coverage-rich Standard plans, Alternate plans with balanced price/coverage, low-premium Value plans, and HDHPs
8. Active&Fit Direct offers a member-funded fitness facility discount
Simple:
9. The essentials to complement medical coverage include: dental, vision, chiropractic, acupuncture, life, and wellness
10. Employees get easy, early access to care with Teladoc telehealth, MinuteClinic retail clinics, and doctor visits at home with Heal
Get Ready to Sell!
All plans are quote-ready now for a January 1, 2020 effective date. Portfolio sales materials, including consumer open enrollment materials, are available on Health Net’s Forms and brochures page.
Contact your LISI Regional Sales Manager for further qualifications as well as important details, terms, and conditions.
