Finish 2024 strong with Health Net Small Business

View and download our small business Q4 2024 premium rates and medical/vision/dental benefits for ACA-compliant plan policies, dental and vision, effective 10/1/2024-12/31/2024.²

Contact your Health Net sales representative to find our lowest rates throughout California!

Health Net's Peak Season Incentive Program gives you a lot to look forward to for September 2024 through January 2025 new business effective dates.

Program details

For new sales with September 2024 through January 2025 effective dates, we are offering a special commission rate of 6% for the life of the case, for groups with just 6 or more subscribers enrolled.

For details and program guidelines, contact your Account Executive.

• Incentive program applies to business sold directly through Health Net only. Excludes Cal Choice.
• Cobra membership does not apply toward total subscriber count to qualify.
• Sales through General Agents qualify for Peak Season Incentive Programs.
• Health Net reserves the right to change or terminate this program.

Additionally, Health Net’s Elite Partners Program (EPP) contest gives you the chance to put your selling talents to the test.

Be one of Health Net’s top 8 selling brokers in Small Group, and you and a guest can pack your bags for paradise.

Good times and tan lines

Celebrate your success and carve a new future as you spend time with Health Net's senior leadership. Plus, get expert insight on emerging industry trends and future growth strategies and network with colleagues. Then relax with a Mai Tai in hand and your toes in the sand!

Surf’s up for big sales

To qualify:

• SBG: The top 8 Brokers will secure a spot. Minimum 250 members to qualify. (Contest runs from June 2024–January 2025⁴ effective dates).

_{⁴ Top-selling brokers are those who sell to the most members during the contest period June 1, 2024 through January 31, 2025. Small Group sales through Cal Choice do not qualify.}

Health Net has transitioned our select telehealth services provider to Teladoc Health (Teladoc) for all Commercial and Medi-Cal Members.

Teladoc Health (Teladoc) offers virtual health care that's convenient, with confidential access to quality U.S. board-certified doctors. Teladoc is an option when members can't see their regular doctor.

Medical appointments are available 24 hours a day, 7 days a week from wherever members are. Behavioral health professionals can be booked 7 days a week 7:00 a.m. to 9:00 p.m. (Pacific time). Members can book appointments through the Teladoc app, website or call 1-800-TELADOC (835-2362).^5,6

_{⁵ Go straight to the nearest emergency room or call 911 if you have an emergency.}

_{⁶ You may receive services on an in-person basis or via telehealth, if available, from your primary care provider, a treating specialist or from another contracting individual health professional, contracting clinic, or contracting health facility consistent with the service and existing timeliness and geographic access standards required under California law. Any cost share for services received through Teladoc will accrue toward your out-of-pocket maximum and deductible (if your plan has a deductible). By scheduling through Teladoc, you consent to receive services via telehealth through Teladoc. See your health plan coverage document for coverage information and for the definition of telehealth services. You have a right to access your medical records for services received through Teladoc. Unless you choose otherwise, any services provided through Teladoc shall be shared with your primary care provider.}

The Cigna Healthcare^SM PPO Network¹ is the provider network outside of California for Health Net PPO plans with out-of-state coverage. With over one million providers and 6,300 facilities, the national Cigna PPO network offers a wide selection of doctors and hospitals, competitive discounts, and flexibility to support value-driven plan designs.

Members enrolled in PPO plans with out-of-state in-network coverage who access the Cigna Healthcare PPO Network are considered Health Net members who are simply accessing the Cigna Healthcare PPO Network at the in-network coverage level when outside of California.

For employer groups, Health Net's PPO allows great flexibility in designing a benefit plan to meet the unique needs of your groups, while also offering members a wide choice in using in- and out-of-network providers.

_{Cigna Healthcare^SM is an independent company and not affiliated with Health Net of California, Inc. Access to the Cigna Healthcare^SM PPO Network is available through Cigna Healthcare's contractual relationship with Health Net of California, Inc. All Cigna Healthcare products are provided exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company. The Cigna Healthcare name, logo, and other marks are owned by Cigna Intellectual Property, Inc.}

Boost your book of business with our latest underwriting guidelines and promotions (PDF)

• Competitive selling:
  • Health Net's Enhanced Choice offers small business groups a simplified package offering access to all plans with no limits to the number of plans and networks you can offer
  • Chiropractic rider applies to both HMO and PPO
• Flexible choices: Two separate underwriting promotions.
• Straightforward enrollment:
  • No DE9C, payroll or ownership documents required for groups that qualify for our underwriting promotions
  • Health Net can be written alongside any carrier – enrolling on the other carrier is a valid waiver when enrolling at least 5 subscribers with Health Net
  • Mix and Match any of our plans and networks. No limit!
  • 2 weeks of payroll for a Startup Group of any size
  • We accept PEO subgroups with a quarterly wage report or 2 weeks of payroll from the PEO