Group Health Insurance

What Makes Health Net A Better DecisionSM?

We know California. For over 25 years, Health Net of California has been giving Californians access to broad networks, personal service and useful wellness resources so they can manage their health the way they want.

We're all about quality

• "Excellent" accreditation rating from National Committee Quality Assurance for our commercial HMO and POS plans.
• A+ rating from the Better Business Bureau of the Southland.

We have really big networks for more choice. Thousands of doctors and hospitals give you the choices you deserve. And with such large provider networks, there's a good chance your doctor is part of ours.

We've got you covered. Wherever you are in California, you can count on the care and support you need. Our worldwide emergency coverage protects you in any location.

We're strong and secure

• Stability generated by a balanced product portfolio and geographic market share.
• Subsidiary of Health Net, Inc., one of the nation's largest publicly traded managed health care companies with 6.6 million customers in 27 states and the District of Columbia.

We sweat the details, so you don't have to. Online options plus people who know what they're talking about add up to a health plan that's actually easy to use.

Really Big Networks

• 38,000+ HMO physicians
• 48,000+ PPO physicians
• Over 260 HMO and 300 PPO hospitals
• Over 4,300 retail chain and independent pharmacies

But wait! There's more ...

When you choose Health Net, you get more than health care coverage. You get helpful tools and services to make the most of your health. And we give them all to you at no extra cost!

Decision PowerSM

When it comes to your health, there's more than one right answer. That's why your Health Net plan comes with Decision Power - the program that brings together under one roof the information, resources and personal support that fit you, your health and your life. Whether you're focused on staying fit, dealing with back pain or facing a serious diagnosis, we're here to help you work with your doctor and make informed decisions.

• Talk to Health Coaches, who are trained professionals, such as nurses, respiratory therapists and dietitians. They are available 24 hours a day, seven days a week and will help you understand available treatment options, and provide useful information and decision-making support.
• Obtain and watch support videos that show how others have chosen different treatment options for a variety of health conditions ranging from lower back pain to breast cancer. These real-life stories include insights from physicians.
• Access information resources, such as Healthwise® Knowledgebase, an online encyclopedia; HEAR® Audio Library, which contains information on more than 300 health topics; and Health Crossroads® Web Modules, which weigh the pros and cons of various treatments.

Money Saving Options

• Urgent Care Centers - Your out-of-pocket costs are often lower when you visit an urgent care center instead of going to a hospital emergency room. For most plans, your copayment is equal to your office visit copayment. Urgent care centers are for conditions that require immediate treatment - say a sprained ankle or high fever - but are not severe enough to warrant emergency care.
• Generic Drugs - Your copayments are lower when you choose generic alternatives to brand-name drugs (when available). Generic drugs are just as safe and effective as their brandname counterparts.
• Outpatient Surgical Centers - Outpatient surgery typically costs less at an outpatient surgical center then it does at a hospital-based ambulatory surgical center. Check your plans benefits to see if you can save by using an outpatient surgical center if you need surgery.

You should always consult with your doctor about the choices that will work best for you.

It's Your LifeSM Wellsite

It's Your Life brings together trusted sources of health and medical information to make it easier to stay healthy, balance the demands of work and family, and manage emotional or financial challenges. Delivered in partnership with WebMD® and conveniently located within our member website, It's Your Life brings powerful and easy-to-use programs right to your fingertips. Among the highlights:

• Free programs on pregnancy support, weight management, smoking cessation, preventive care and nutrition.
• Online Health Risk Questionnaire can help you better understand your health and recognize possible health risks, such as heart disease and diabetes. After completing the survey you will receive an instant personalized health profile to share with your doctor.
• Self-help programs for overall health, insomnia, stress and more.
• Mental health support for depression, alcohol abuse, eating disorders or other emotional health concerns.
• Health and fitness calculators to learn your heart rate, Body Mass Index and how many calories you burn during your favorite activities.
• Discounts on acupuncture, chiropractic, massage therapy plus on health-related items such as fitness club memberships, vitamins, eyewear, fitness apparel, weight management programs and much more.

www.healthnet.com

Say goodbye to health plan headaches or hassle. At www.healthnet.com, we make it easy to get things done on your schedule, not ours.

Become a Health Net member and it will take only a minute to register online. Once you have your own user name and password, you can do all kinds of things:

• See your plan details
• View pharmacy benefits
• Search for a physician or specialist in California
• Compare medical group and hospital quality and service ratings
• Change your primary physician
• Create a customized, printable provider directory
• Find a pharmacist near you
• Get forms
• Email the Customer Contact Center
• Use our interactive tools
• Learn about health conditions
• And much more!

Healthnet.com
The fastest way to get things done. The easiest way to get more from your health plan.

Check us out

Want to know more before you choose Health Net? We would too if we were you. We invite you to continue navigating www.healthnet.com. You can:

• Use our handy calculator to estimate costs.
• Search Our Doctor Network to see if your current doctor is included, or find one close to home or work.
• View Our Drug List to see what brand-name and generic medications we cover, learn about our pharmacy services, and find answers to commonly asked questions.

If you have specific questions, please let us know. Our friendly, knowledgeable customer service staff is standing by at (800) 522-0088.

Get the health plan that gives you more. Get Health Net: Plans that fit your budget and your life. Click on the following links to find about more about our plans:

HMO Group Employer Plans
PPO Group Employer Plans
POS Group Employer Plans
EOA Group Employer Plans
EPO Group Employer Plans

The Decision PowerSM and It's Your LifeSM programs are not part of Health Net's medical benefit plans nor affliated with Health Net's provider network. These programs provide access to additional resources and services free of charge or at discounted rates to enrollees of Health Net of California, Inc., and insureds of Health Net Life Insurance Company. The Decision Power and It's Your Life programs may be revised or withdrawn in part or in whole at any time without notice.

WebMD® is not part of Health Net's medical benefit plans nor affiliated with Health Net's provider network. WebMD is an additional resource that Health Net of California, Inc., and Health Net Life Insurance Company make available to enrollees, but may be revised or withdrawn without notice. ®1995-2006 WebMD Inc. All rights reserved.

Health Net of California, Inc., and Health Net Health Net of California, Inc is subsidiaries of Health Net, Inc. Health Net® is a registered trademark of Health Net, Inc. A Better DecisionSM, Decision PowerSM and It's Your LifeSM are service marks of Health Net, Inc. Healthwise® and HEAR® and Rapid Acces®are registered trademarks of Healthwise, Inc. Used with permission. Health CrossroadsSM is a service mark of Health Dialog Services Corporation. All rights reserved.