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Health Net

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LAST UPDATED: March 1st, 2023

Health Net offers its members helpful wellness tools and a good selection of health insurance plans, including Medicare and Medicaid.

While Health Net offers good health insurance products, you should consider customer reviews before enrolling in a Health Net plan. While Health Net's total number of reviews on Best Company is low compared to others, it has not received many positive ones.

View Health Net Reviews

In 1979 Health Net, Inc. was founded and has since then operated under the underlying goal to make people feel comfortable, healthy, and secure.

Health Net has served over five million customers. As of 2015, the company was secured by the Centene Corporation and continues to run under its operation.


The Good

  • Types of Plans Offered
  • Group Insurance Available
  • Member Resources
  • Unique Features

Types of Plans Offered

Here is one of Health Net's obvious strengths. This company doesn't limit itself to just one type of health plan. On the contrary, customers get to pick from various PPO plans (Preferred Provider Organization), HSPs (Health Care Service Plans), and HMO plans (Health Maintenance Organization).

The differences between HMO and PPO plans are the network coverage available. A PPO network offers better coverage for seeing an in-network provider but still offers some coverage for treatment received from out-of-network providers. If you want more provider organization flexibility, a PPO plan gives you more choice when choosing doctors to visit.

An HMO network has more limitations because it only offers coverage for in-network providers. HSP networks work similarly to PPO networks. Be sure that you understand the terms of your health insurance policy. Some plans require prior authorization for certain health care services or referrals to specialists. Understand these requirements before you enroll in a plan in case prior authorization is needed for a recommended procedure or medication.

Plans also have different premium costs and cost-sharing models. Pay attention to the premium, deductible, and out-of-pocket limit as you assess whether a plan is a good fit for your financial situation. Just because the premium is low does not mean that it's low-cost health insurance. Low premiums usually indicate higher out-of-pocket expenses.

Both Medicaid and Medicare are available, too. The insurance company offers Medicare Advantage and Medicare supplement plans (Medigap). Its Medicare Advantage plans are available in California, Oregon, and Washington. Health Net's Medicaid options are primarily available in California. These offerings mean that Health Net remains an option for you no matter your age, income, or family status.

The details of your benefits for any of these health plans are largely determined by your state, your health history, and your age. But the wonderful thing about shopping for a plan online is that, once you disclose your location, Health Net pulls up an easy-to-read list of available plans for you, complete with the prices for deductibles, coinsurance, office visits, prescriptions, and maternity care if it applies.

Group Insurance Available

Health Net offers plans for large and small groups. These plans may not be available in every area Health Net serves, so be sure to check the website to see if Health Net is an option for your business.

If you're looking for small group health plans in Arizona, California, Oregon, or Washington, Health Net has some nice options. As an example, we'll look at what's available in California. You can choose an HMO or a PPO network. There are even HSP options and plans that include coverage for children's dentistry. Employers can also choose between two packages to offer their employees more choices when it comes to choosing a health plan. These packages have employee participation and employer contribution requirements.

Large group health plans are also available in Arizona, California, Oregon, and Washington. Insurance policy options vary by state; however, you can find HMO and PPO networks. In some areas, you can tailor the network you offer with your plan. You can also offer plans with a Health Savings Account (HSA) or Health Reimbursement Account (HRA). These accounts can help your employees with out-of-pocket expenses for medical care they receive.

Group dental, vision, and acupuncture insurance coverage are also available from Health Net for both large and small groups.

Member Resources

Health Net provides its members with a member portal to monitor their claims and Health Net's Wellness Center. The Wellness Center is a customizable resource to support members' wellness.

Another resource that Health Net has is the member blog called Member Pulse. With a subscription to this, you can read articles about health and nutrition, the changing healthcare laws, how to maximize your member resources and more.

Members at Health Net can contact the company's customer service at any time of day, and there is a dedicated member phone number for their convenience. Between this, the member portal, and the mobile app (Health Net Mobile), Health Net members have more convenience and security in their health plans.

Unique Features

Even though Health Net has only been a subsidiary of the Centene Corporation since 2015, the company brings decades of experience to the table. Health Net is accredited by the National Committee for Quality Assurance. It has several features that make it stand out among the crowd of companies asking for your insurance business.

One of these features is the Decision Power® Health and Wellness tool. This is a collection of resources that give members discounts on health products, connections with healthy living programs, and more. Members also have round-the-clock access to a nurse hotline. You can either call or live chat this nurse for medical questions that pop up about your health or your medical plan along the way.

The wellness tools also include health coaching, a Quit for Life® program (if you're trying to stop smoking), and savings on weight loss programs. You can use the Wellness Center on your member portal to track your personal health as well.

Health Net provides a mobile app and a tool to find a provider in the network to members as well. All of these perks are Health Net's customized way of helping customers feel healthier and more secure.

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The Bad

  • Poor Customer Reviews
  • Customer Service
  • Locations
  • Location-Based Information

Poor Customer Reviews

Health Net has recieved several negative reviews on Best Company. Reviewers mention difficulty having claims paid and conflicting information about coverage from customer service. Read Health Net reviews before purchasing insurance from this company.

Customer Service

Health Net points out that it takes customer service very seriously. Customers can contact the company via phone (including a member dedicated phone line), or by email. There's also a contact form you can fill out to ask a question or present a concern or comment. These are typical communication lines.

Health Net provides various phone numbers, business hours for these numbers, addresses, and a way to report fraud. But it doesn't spend much time inviting customers to its site. In some ways, you have to go looking to find a live chat tool, for example, and the company's view of customer service is mentioned in a long list of reasons to choose Health Net online. In these ways, the company is not so customer-focused, but the resources it offers members does suggest that Health Net wants customers to feel secure and healthy.


Possibly the biggest limiting factor here is the fact that Health Net is only available in three states — Arizona, Oregon, Washington, and California. Some plans like Medigap and Medicaid may only be available in California. If you live in one of these states, this company is an option for health insurance.

If not, then you'll need to find health care coverage from another insurance provider. This limits the company's customer base and network. If a Health Net plan is not available in your area, you'll need to consider other health insurers.

Potential clients from Arizona should be aware that Health Net offers health insurance coverage through Ambetter in Arizona. It's a good idea to research Ambetter more before enrolling in one of its health plans.

Location-Based Information

On a minor note, you might find the company website frustrating to navigate unless you allow it to detect your location. Until you disclose you zip code, with every new web page on the company's website will come to a pop-up box asking you to give your location. Why? Because the plans offered by Health Net vary with each state. This is an understandable factor for health plans, but it would be nice if you could access some universal information about these health plans without specifying your location.


The Bottom Line

Because it has such a wide selection of health plans, and because it has decades of experience and lots of member resources, Health Net is a recommended company for health insurance. These benefits are major appeals for lots of customers, and the member resources and wellness tools provided by the company continually work toward customer satisfaction.

That being said, Health Net obviously has a big flaw, and that's location. If you don't live in one of the four states it caters to, then enrollment in one of its plans is not possible. If you do, however, Health Net has lots of options for you.

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John Eugene, OR

I just started with HealthNET, offered through my employer. I struggled through the website account process. Why do the answers to my security questions need to be 8 characters or more? What if my pet's name/favorite team name/mother's maiden name is only a few characters? Not well thought out... Once "signed in", the website organization is confusing and offers many links that do not provide any valuable information. I tried to find my plan benefits and was informed I would have something sent to me in 7-10 days!?! What is the point of having a link for information on your website if you do not provide the info? Hopefully in a week or so I will have better information about my health plan...

4 years ago

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Annie Scottsdale, AZ

Document. Document. Document. Dealing with Health Net is an exercise in patience. The call center reps will tell you anything and everything to get you off the phone. The website lacks accurate information. Good luck finding forms for claim submittals. Health Net does not track out of pocket expenses. As far as they are concerned - you never, ever met your deductible. Sometimes bills are paid...sometimes not. Be warned and be prepared to manage your insurance relationship like a Fortune 100 company.

4 years ago

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Julie Martinez Mesa, AZ

The plans that they offer are expensive and we had to submit claims to them more than one time in order for the claims to get processed.

4 years ago

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Jami Schmieding Mesa, AZ

I used to have this insurance and always had payment issues. I would not recommend base off of my experience.

4 years ago