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Health Net Underwriting Simplified

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Posted: March 9, 2020 by Staff Writer

Word & Brown received the following announcement from Health Net

Health Net Underwriting Simplified: Four Packages to Give Your Clients Flexibility and Choice

Sell HMO with 6!

  • How it works:
    -6 active subscribers
    -Mix and match any plans from the HMO networks
  • Employer pays:
    -Minimum of 50% of base plan monthly OR
    -Minimum of $100 per employee towards the employee-only rate
  • The employer may choose from all plans within the following networks:
    -Full Network HMO
    -WholeCare HMO
    -SmartCare HMO
    -Salud HMO y Más
    -CommunityCare HMO
  • Now with just 2 active subscribers, groups can add voluntary dental and/or vision coverage!
    -No DE9C
    -No Participation attestation
    -No prior carrier bill
    -No waivers
  • Note: The HMO Package is separate from the Enhanced Choice A and B packages. New HMO sales only (no HSP, Full Network PPO or EnhancedCare PPO). No minimum participation. Conditions:
    -Qualifying groups must meet the state and federal definition of a small employer.
    -Excludes ancillary-only groups.
    -Prior health coverage is not required.
  • Expires June 30, 2020.

Sell Salud with 2!

  • How it works:
    -2 active subscribers
    -Mix and match any plans with the Salud HMO y Más network
  • Employer pays:
    -Minimum of 50% of base plan monthly OR
    -Minimum of $100 per employee towards the employee-only rate
  • The employer may choose from all plans within the following networks:
    -Salud HMO y Mas
  • Note: The Salud Package is separate from the Enhanced Choice A and B packages. Only Salud plans are available with this package. Salud can be written alongside other carriers. No waivers need to be submitted for the Salud Package.
  • Expires June 30, 2020.

Enhanced Choice A

  • How it works:
    -1-5 eligible employees, 66% participation
    -6-100 eligible employees, 50% participation
  • Employer pays:
    -Minimum of 50% of base plan monthly OR
    -Minimum of $100 per employee towards the employee-only rate

Enhanced Choice B

  • How it works:
    -1-5 eligible employees, 66% participation
    -6-100 eligible employees, 35% participation
  • Employer pays:
    -Minimum of 50% of base plan monthly OR
    -Minimum of $100 per employee towards the employee-only rate
  • The employer may choose from all plans within the following networks:
    -Full Network HMO
    -WholeCare HMO
    -SmartCare HMO
    -Salud HMO y Más
    -CommunityCare HMO
    -PureCare HSP
    -EnhancedCare PPO (in regions 15 and 16)
    -Full Network PPO Bronze

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