This Terms and Conditions of Use Agreement ("Agreement") is a
				legal agreement between you and Health Net, Inc. ("Health Net" or
				"we") governing your use of this Web site (the "site"). YOUR USE OF
				THIS SITE IS SUBJECT TO THE TERMS AND CONDITIONS OF THIS AGREEMENT.
				BY ACCESSING, USING AND/OR VIEWING OUR SITE, YOU HEREBY AGREE TO BE
				BOUND BY THE TERMS OF THIS AGREEMENT. IF YOU DO NOT AGREE TO THESE
				TERMS AND CONDITIONS, YOU MUST EXIT THIS SITE. PLEASE NOTE THAT
				CHILDREN UNDER THE AGE OF THIRTEEN (13) ARE PROHIBITED FROM USING
				ANY HEALTH NET SITE, INCLUDING THE TEEN HEALTH SITE. We may revise
				the information on the site or otherwise change or update the site,
				including this Agreement. If we make changes to this Agreement, we
				will use reasonable efforts to post such changes before they become
				effective and to specify the date they will become effective. In the
				absence of any specific date being provided, the changes are
				effective immediately. A current version of this Agreement showing
				the effective date is always available at this location. We
				encourage you to periodically read this Agreement to see if there
				have been any changes to our policies that may affect you. Health
				Net may also make improvements and/or changes in products and/or
				services described on this site or add new features at any time
				without notice. Your continued use of the site will signify your
				continued agreement to this Agreement as it may be revised. WEBSITE
				ACCESS; PROHIBITED ACTIVITIES. Provided that you are not under the
				age of thirteen (13), we hereby grant you a personal, non-exclusive,
				non-transferable, revocable license to access our site and the
				information contained within the site. Users under the age of
				thirteen (13) are prohibited from using the site. The site contains
				software tools and databases that allow you to search and retrieve
				information. You may not gain unauthorized access to the site, to
				other users' accounts, names or personally identifiable information,
				or to other computers or websites connected or linked to the site.
				You may not send or otherwise transmit to or through this site chain
				letters, unsolicited messages, so-called "spamming" or "phishing"
				messages, or messages marketing or advertising goods and services.
			
			You may use our services for lawful purposes only. You may not
				use our services to post, transmit or otherwise distribute unlawful
				material. Examples of unlawful material include, but are not limited
				to, threats of physical harm, defamatory statements, pornographic
				material, and copyrighted, trademarked, and other proprietary
				material used without proper authorization. You may not post,
				transmit or otherwise make available any virus, worm, spyware or any
				other computer code, file or program that may or is intended to
				damage or hijack the operation of any hardware, software or
				telecommunications equipment. You may not "flood" or disrupt our
				site through any means or process such as launching or using any
				automated system, including but not limited to, "robots," "spiders,"
				or "offline readers." You may not misrepresent your identity or
				affiliation in any way. You may not restrict, discourage or inhibit
				any person from using the site, disclose personal information on the
				site or obtained from the site or collect information about users of
				this site. You may not reverse engineer, disassemble or decompile
				any section or technology on the site, or attempt to do any of the
				foregoing. You are responsible for all use of our services and the
				site, with or without your consent, by yourself and others, which
				occurs by, through, or in connection with access to the site via
				your computer. REGISTRATION. You are not obligated to register with
				Health Net in order to access this site. However, certain sections
				and features of this site are available only to Health Net members,
				brokers, providers and employers ("Registered Users"). If you are a
				Registered User, you agree to accurately maintain and update any
				information about yourself that you have provided to Health Net. You
				also agree to promptly notify us of any unauthorized use of your
				username, password or any other breach of security that you become
				aware of involving or relating to this site. NO FEES FOR THIS SITE.
				Health Net does not charge you any fees for using its site, but you
				may incur charges from your online service provider and/or telephone
				or cable companies. ELECTRONIC DOCUMENT DELIVERY. Some members may
				elect to enroll in Health Net's electronic document delivery
				program. By enrolling, you consent to receive electronic delivery
				via www.healthnet.com, and to stop U.S. mail delivery of the paper
				versions of documents you select for electronic delivery. Your
				consent, when issued electronically by use of your personal
				information or passwords, bears the same legal authority as your
				written signature and is binding by law. You agree that you have
				full authority to accept the terms of this "Electronic Document
				Delivery" section on behalf of each beneficiary on your plan. You
				also agree that each beneficiary has full authority to act
				individually in all matters relating to this online service. You may
				still obtain a paper copy of any important member document listed
				above, at no charge, by contacting Health Net at the number listed
				on your member ID card. In addition, you may download/print a copy
				of any of these documents online by logging on to your account on
				www.healthnet.com. The time it takes to process your change from
				U.S. mail delivery to electronic document delivery varies depending
				on the documents you select, as does the amount of time the document
				is available on the site.
			
			Explanation of Benefit's (EOB's). When you select these
				documents, we will reflect the change to electronic delivery within
				48 hours on average, although it could take longer for U.S. mail
				deliveries already in progress to stop. As your EOB documents become
				available, notifications will be sent to your email address and they
				will remain on our site for up to 7 years. Evidence of Coverage
				(EOC's). When you select these documents, we will reflect the change
				to electronic delivery within 48 hours on average, although it could
				take longer for U.S. mail deliveries already in progress to stop. As
				your EOC documents become available, notifications will be sent to
				your email address and they will remain on our site for up to 7
				years. Medicare Annual Notice of Change Materials (ANOC's). When you
				select these documents, we will reflect the change to electronic
				delivery within 48 hours on average, although it could take longer
				for U.S. mail deliveries already in progress to stop. As your ANOC
				documents become available, notifications will be sent to your email
				address and they will remain on our site for up to 7 years. Medicare
				Post Enrollment Materials. When you select these documents, we will
				reflect the change to electronic delivery within 48 hours on
				average, although it could take longer for U.S. mail deliveries
				already in progress to stop. As your Post Enrollment documents
				become available, notifications will be sent to your email address
				and they will remain on our site for up to 7 years. All Future
				Available Online Documents. When you select this option, we will
				notify you via email as new document types become available for
				electronic document delivery.
			
			Please note: Not all document types listed above may apply to
				your respective plan. You must maintain a valid email address with
				Health Net as a condition of participating in our electronic
				document delivery program. Health Net will send an email to the
				address you've provided, to notify you when a new document is
				available on our site and indicate the category of document. The
				email will provide a link to a login page on our site's secure
				member portal. After you log in, your specific document(s) will be
				displayed. If we are unable to notify you via email when a document
				becomes available due to a bad and/or cancelled email account, we
				will attempt to contact you to update your email address. If we are
				unable to make contact with you, we will revert your Document
				Delivery Preferences back to U.S. mail delivery for all document
				types, and send a letter notifying you of the change. You can log
				into www.healthnet.com and update your email address and document
				delivery preferences at any time. Depending on your specific plan,
				some exceptions to electronic document delivery may apply. For
				example, all Health Net State Health Plan Members are unable to
				participate at this time. Members will continue to receive hard
				copies of any material that are currently unavailable in electronic
				form and/or if for any reason the electronic delivery process is
				unavailable for certain Health Net plans. You may cancel electronic
				document delivery for any category of documents at any time, by
				clicking the Change Document Delivery Preferences link and changing
				your document delivery choice to Mail (USPS) or by calling Health
				Net. You may also cancel all electronic delivery services and revoke
				your agreement to the terms of this "Electronic Document Delivery"
				section, by clicking the Change Document Delivery Preferences link
				and changing all your document delivery choices to Mail (USPS) or
				contact us. Your cancellation will be effective within a reasonable
				period of time after we receive it. Health Net may discontinue the
				electronic document delivery services we offer on this site. You
				understand that if you enroll in electronic document delivery your
				consent to the terms of this "Electronic Document Delivery" section
				will be effectively indefinitely, until you cancel electronic
				document delivery or it is cancelled by us. USER SUBMISSIONS. Health
				Net may offer users certain interactive features through the site
				from time to time. Interactive features may include the submission
				of commentary, feedback or other communications or materials by you
				and other users ("User Submissions"). Any personal information you
				submit to our site is governed by Health Net's Privacy Policy. This
				includes information on your rights to see and receive copies of
				your personal health information. To deactivate your
				www.healthnet.com account, please contact us. You agree, represent
				and warrant that any User Submission is a) truthful, accurate, and
				not misleading, b) offered in good faith, and c) that you have the
				right to transmit such information. Subject to the limitations of
				Health Net's privacy policy, you hereby grant to Health Net a
				perpetual, irrevocable, royalty-free, transferable right and license
				to use, copy, display, distribute, modify, and create derivative
				works based upon any content you submit, including the right to
				incorporate the content into any form, medium or technology
				throughout the world without compensation to you. You further
				voluntarily waive any "moral rights" you may have in such content.
			
			Should you provide your email address in connection with your
				User Submission, you agree that Health Net and its third party
				service providers may use your email address to contact you about
				the content and for other administrative purposes. Members may use
				this site to view certain information from their Health Net history
				("Health Net History") including, but not limited to, their medical
				claim history and prescription drug history (their "Personal Health
				Record"). Members may also populate their Personal Health Record by
				directly entering information into their Personal Health Record. If
				you think that the information included in your Personal Health
				Record that came from your Health Net History is inaccurate, you may
				contact Health Net using the customer service number listed on the
				back of your member ID card. Otherwise, Members may add, edit or
				delete portions of their Personal Health Record by accessing that
				particular section of their Personal Health Record and selecting to
				add a new entry, edit an existing entry or delete an existing entry
				or claim.
			
			COPYRIGHT, TRADEMARKS & TRADE DRESS. All content included
				on the site, including but not limited to, any text, graphics and
				interactive features and any trademarks, service marks and logos
				contained therein (collectively "Materials") are owned by or
				licensed to Health Net, subject to copyright, trademark and other
				intellectual property rights under United States and foreign laws
				and international conventions. WebMD®, Health Dialog and
				Paradigm are registered trademarks/service marks of their respective
				owners and used on this site with permission. Health Net® and
				Decision Power are registered service marks of Health Net, Inc. and
				all rights are reserved. No Materials from the site may be copied,
				reproduced, republished, uploaded, posted, transmitted, or
				distributed in any way without written permission of the rights
				owner, except that you may use information purposely made available
				by Heath Net for downloading from this Site, provided that you (1)
				keep intact all copyright and other proprietary notices, (2) use
				such information only for your personal, non-commercial
				informational purpose and do not copy or post such information on
				any networked computer or broadcast it in any media, (3) make no
				modifications to any such information, and (4) do not make any
				additional representations or warranties relating to such
				information. You agree not to circumvent, disable, or otherwise
				interfere with security related features of this Site or features
				that prevent or restrict use or copying of any Materials or content.
			
			
			Modification of any Materials or use of any Materials for any
				other purpose is a violation of the copyrights and other proprietary
				rights of Health Net, or of other entities or persons where so
				indicated, unless Health Net or the owner has provided said Material
				for such express purpose. Permission for all other uses of Materials
				contained herein, including reproducing and distributing multiple
				copies or using Materials on any other website or networked computer
				or linking to any page at this site except the "home page"
				(https://www.healthnet.com), must be obtained from Health Net or the
				appropriate rights owner in advance; otherwise, such use is
				prohibited. Requests for such authorization from Health Net should
				be submitted via an email to WCOE@healthnet.com. All design rights,
				databases and compilation and other intellectual property rights
				associated with this Site, in each case whether registered or
				unregistered, and related goodwill, are proprietary to Health Net.
			
			THIRD PARTY CONTENT/LINKS. As you view the site, you may
				notice links to third-party websites. These links are for
				convenience only. If you use these links, you will leave this site.
				Certain of these linked websites may make use of Health Net
				proprietary intellectual property rights (such as copyrights,
				trademarks, service marks, logos and trade names) under license from
				Health Net. Health Net is not responsible for the availability or
				content of these other websites or for any viruses or other damaging
				elements encountered in linking to a third-party website. In
				addition, providing links to these websites should not be
				interpreted as endorsement or approval by Health Net of the
				organizations sponsoring such third-party websites or their products
				or services. This Agreement does not apply to any other websites.
				Members may have access to Decision PowerSM through their current
				enrollment with any of the following Health Net companies: Health
				Net of Arizona, Inc.; Health Net of California, Inc.; Health Net of
				Connecticut, Inc.; Health Net of New Jersey, Inc.; Health Net of New
				York, Inc.; Health Net Health Plan of Oregon, Inc.; Health Net
				Insurance of New York, Inc.; Health Net Life Insurance Company. In
				Arizona, benefits are underwritten and/or administered by Health Net
				of Arizona, Inc., for HMO plans and Health Net Life Insurance
				Company for indemnity plans and life insurance coverage. The Health
				Net of Arizona, Inc. service area includes all Arizona counties.
				Health Net, Inc., is the parent company of both Health Net of
				Arizona, Inc., and Health Net Life Insurance Company.
			
			Decision Power is not part of Health Net's commercial medical
				benefit plans nor affiliated with Health Net's provider network and
				it may be revised or withdrawn without notice. Decision Power is
				part of Health Net's Medicare Advantage benefit plans but is not
				affiliated with Health Net's provider network. Decision Power
				services, including Health Coaches, are additional resources that
				Health Net makes available to enrollees of the above listed Health
				Net companies.
			
			PRIVACY. Privacy and security are a very important part of the
				healthnet.com user experience. Health Net is required to follow
				Health Insurance Portability and Accountability Act (HIPAA)
				regulations for the use and disclosure of Protected Health
				Information (PHI). For more information, please review our Privacy
				Policy to understand our practices regarding your privacy in
				connection with our online services. DISCLAIMER. Our site contains
				various types of information originating from ourselves or third
				parties, including outside vendors that provide health-related
				information or goods and services. The site provides information
				about health issues designed to help users make better decisions.
				But medical information is not the same as medical advice. Although
				we go to great lengths to make sure our information is accurate and
				useful, we urge you to consult a physician if you want professional
				assurance that our information, and your interpretation of our
				information, is appropriate to your particular situation. AS THE
				USER OF THIS SITE, YOU ASSUME FULL RISK AND RESPONSIBILITY FOR ANY
				AND ALL USE OF THIS SITE, INCLUDING THE INFORMATION PRESENTED ON THE
				SITE. THE SITE IS INTENDED TO BE A GENERAL INFORMATION RESOURCE ONLY
				AND DOES NOT CONSTITUTE MEDICAL ADVICE AND IS NOT A SUBSTITUTE FOR
				PROFESSIONAL MEDICAL ADVICE OR TREATMENT. YOU ARE RESPONSIBLE FOR
				SEEKING PROFESSIONAL MEDICAL ADVICE IF YOU HAVE ANY QUESTIONS ABOUT
				YOUR HEALTH OR A HEALTH CONDITION. YOU AGREE TO HOLD HEALTH NET AND
				ITS AFFILIATES HARMLESS FROM ANY AND ALL CLAIMS RELATING TO YOUR USE
				OF, YOUR RELIANCE UPON, OR ERRORS OR OMISSIONS IN, INFORMATION FOUND
				ON THIS SITE. THE SERVICES, INFORMATION AND FUNCTIONS CONTAINED ON
				OUR SITE ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. WE
				EXPRESSLY DISCLAIM ANY AND ALL REPRESENTATIONS AND WARRANTIES,
				EXPRESS OR IMPLIED, INCLUDING THOSE OF ACCURACY, COMPLETENESS,
				NON-INFRINGEMENT, MERCHANTABILITY AND FITNESS FOR A PARTICULAR USE
				OR PURPOSE, CONCERNING OUR SERVICES OR THE ADEQUACY, ACCURACY OR
				COMPLETENESS OF THE INFORMATION OR SERVICES INCLUDED ON OUR SITE,
				THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS
				WILL BE CORRECTED OR THAT THIS SITE OR THE SERVER THAT MAKES IT
				AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE
				EXPRESSLY DISCLAIM LIABILITY FOR ERRORS IN OR OMISSIONS FROM
				SERVICES, INFORMATION, OR MATERIALS, INCLUDING HEALTH-RECORD
				HISTORIES, PRESCRIPTION AND NONPRESCRIPTION DRUG PURCHASE HISTORIES,
				OR PRESCRIPTION REFILL INFORMATION. WE ARE NOT RESPONSIBLE FOR THE
				CONTENT OF ANY LINKED WEBSITE OR ANY LINK CONTAINED IN A LINKED
				WEBSITE, EXCEPT TO THE EXTENT THAT SUCH WEBSITE OR LINK IS OWNED AND
				OPERATED BY HEALTH NET OR ITS AFFILIATE(S).
			
			LIMITATION OF LIABILITY. Use of our services is at your own
				risk. With regard to outside vendors and information providers, we
				do not endorse, or otherwise recommend or approve any product or
				information located on or available through our site. We do not own
				or control other networks, sites, or hyperlinked sites outside of
				our own site, including the outside vendors accessed through our
				site. We have made reasonable efforts to validate that our lists of
				providers displayed are up to date and accurate. Please call the
				provider prior to scheduling an appointment to verify that the
				provider continues to be part of our network. We are not liable for
				any losses, damages, or non-covered charges as a result of using the
				provider locator tool or receiving care from a provider listed on
				our site. WE WILL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY HARM
				TO YOU OR OTHERS RESULTING FROM THE USE OF OUR SITE AND/OR THE
				PRODUCTS AND SERVICES PROVIDED THROUGH OUR SITE. TO THE MAXIMUM
				EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE BE LIABLE TO YOU OR
				ANYONE ELSE FOR ANY SPECIAL, INCIDENTAL, DIRECT, INDIRECT,
				CONSEQUENTIAL OR PUNITIVE DAMAGES WHATSOEVER, INCLUDING, WITHOUT
				LIMITATION, DAMAGES FOR PERSONAL INJURY, WRONGFUL DEATH, LOSS OF
				REVENUE, BUSINESS INTERRUPTION, LOSS OF BUSINESS INFORMATION OR ANY
				OTHER PECUNIARY LOSS, LOSS OF TECHNOLOGY, LOSS OF RIGHTS OR
				SERVICES, LOSS OF DATA, INTERRUPTION OR LOSS OF USE OF ANY
				EQUIPMENT, MENTAL ANGUISH, EMOTIONAL DISTRESS, OR INVASION OF
				PRIVACY, ARISING OUT OF THE USE OF OR INABILITY TO USE OUR SITE
				AND/OR THE PRODUCTS AND SERVICES PROVIDED THROUGH OUR SITE, EVEN IF
				WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, WHETHER
				UNDER THEORY OF CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT
				LIABILITY, OR OTHERWISE. WE ARE NOT RESPONSIBLE OR LIABLE FOR THE
				ACTS OR OMISSIONS OF OUTSIDE VENDORS OR INFORMATION PROVIDERS, OR
				FOR PERFORMANCE (OR NON-PERFORMANCE) WITHIN OUTSIDE NETWORKS OR
				INTERCONNECTION POINTS BETWEEN OUR SITE AND OTHER NETWORKS AND/OR
				SITES THAT ARE OPERATED BY THIRD PARTIES. WE ALSO MAKE NO
				REPRESENTATION REGARDING YOUR ABILITY TO TRANSMIT AND RECEIVE
				INFORMATION FROM OR THROUGH OUR SITE, AND YOU AGREE AND ACKNOWLEDGE
				THAT AT TIMES YOUR ABILITY TO ACCESS OUR SITE MAY BE IMPAIRED OR
				DISRUPTED. ALTHOUGH WE WILL USE COMMERCIALLY REASONABLE EFFORTS TO
				TAKE ANY ACTION WE CONSIDER APPROPRIATE TO REMEDY AND AVOID SUCH
				EVENTS, WE CANNOT GUARANTEE THAT THEY WILL NOT OCCUR, AND
				ACCORDINGLY WE DISCLAIM ANY AND ALL LIABILITY RESULTING FROM OR
				RELATED TO SUCH EVENTS. WE ARE NOT LIABLE FOR ANY FAILURE OR DELAY
				IN OUR PERFORMANCE DUE TO ANY CAUSE BEYOND OUR REASONABLE CONTROL,
				INCLUDING ACTS OF WAR, ACTS OF GOD, EARTHQUAKE, FLOOD, EMBARGO,
				RIOT, SABOTAGE, LABOR SHORTAGE OR DISPUTE, GOVERNMENTAL ACT OR
				FAILURE OF THE INTERNET.
			
			INDEMNIFICATION. You agree to defend, indemnify and hold
				Health Net and its directors, officers, employees, agents,
				affiliates and successors harmless from and against any and all
				claims, demands, liabilities, judgments, losses, damages, costs,
				fees and expenses (including but not limited to reasonable
				attorneys' fees) arising from or relating to your use of the site or
				your acts or omissions, including but not limited to (1)
				infringement or misappropriation of any intellectual property
				rights, (2) defamation, libel, slander, obscenity, pornography, or
				violation of the rights of privacy or publicity, (3) spamming, or
				any other offensive, harassing or illegal conduct or violation of
				this Agreement, or (4) any damage or destruction to our site, to us,
				or to other persons or parties.
			
			TERMINATION AND INVESTIGATION. Health Net may terminate the
				license granted to you under the above " Website Access; Prohibited
				Activities" section at any time if you are in breach of this
				Agreement. The license will terminate immediately without notice
				from Health Net if, in Health Net's sole discretion, you fail to
				comply with any term or provision of this Agreement. Upon such
				termination, you may not access, use, or view the site. Health Net
				expressly reserves the right, in its sole discretion, to terminate a
				Registered User's www.healthnet.com account due to any act that
				would constitute a violation of this Agreement. We reserve the right
				to investigate suspected violations of this Agreement. If we become
				aware of possible violations, we may initiate an investigation that
				may include gathering information from you or any user involved and
				the complaining party, if any, and examination of other material. We
				may suspend the provision of our services temporarily, or we may
				permanently remove the material involved from our servers, provide
				warnings to you, or suspend or terminate your access to our
				services. We will determine what action will be taken in response to
				a violation on a case-by-case basis, and at our sole discretion. We
				will fully cooperate with law enforcement authorities in
				investigating suspected lawbreakers. BREACH. You hereby acknowledge
				that your breach of this Agreement may result in immediate and
				irreparable harm to Health Net, for which there will be no adequate
				remedy at law, and that Health Net shall be entitled to equitable
				relief to compel you to cease and desist all unauthorized use,
				evaluation and/or disclosure of information obtained through the
				site. Your breach of this Agreement may also entitle Health Net to
				bring an action against you for any and all other remedies available
				at law or in equity. JURISDICTION. We operate and control our site
				from our location in California, United States of America. We make
				no representation that any information, materials or functions
				included on or through our site are appropriate for use in any other
				jurisdiction. If you choose to access our site from locations other
				than California, you do so on your own initiative and are
				responsible for compliance with applicable laws and regulations.
				This Agreement, and the rights and obligations of you and Health Net
				hereunder, shall be governed by, and construed in accordance with,
				the laws of the State of California and the guidelines created by
				the Centers for Medicare and Medicaid Services (CMS). You further
				agree that any legal action or proceeding between you and Health Net
				arising out of or relating to this Agreement or your use of the site
				shall be brought exclusively in a federal or state court of
				competent jurisdiction sitting in Los Angeles, California, and you
				hereby expressly and irrevocably consent to the jurisdiction and
				venue of such courts. NO WAIVER; SEVERABILITY. A waiver of any
				breach of any provision of this Agreement shall not be deemed to be
				a waiver of any repetition of such breach or in any manner affect
				any other terms or conditions of this Agreement. In the event that
				any provision of this Agreement is held to be unenforceable, it will
				not affect the validity or enforceability of the remaining
				provisions and will be replaced by an enforceable provision that is
				the closest to the intention underlying the unenforceable provision.
				ASSIGNABILITY. We may assign our rights and delegate our duties
				under this Agreement either in whole or in part at any time, at our
				sole discretion, and without your consent. You may not assign,
				sublicense or otherwise transfer your rights or obligations, in
				whole or in part, under this Agreement to anyone else. RELATIONSHIP.
				This Agreement does not establish any relationship of partnership,
				joint venture, employment, franchise or agency between you and us.
				Thank you for taking the time to review this Agreement. We look
				forward to providing services to you.