Everyone deserves a safety net for their health. This is the anthem for the health net as they try to provide the best solutions to those who need their help. These include every single person irrespective of age, income, employment status, and current state of health. If the offer already looks tempting, then you may want to know what Health Net Insurance is, why you need it and how they plan to achieve that aim.
Health Net Insurance and Why you Need It
if you have come this far in this essay, and you are still not enlightened with what health net insurance is, then it will be very beneficial for us to take you out of the dark.
What is Health Net Insurance?
Health Net Insurance is an American health care and insurance provider which is a subsidiary of Centene Corporation. it provides health plans for individuals, families, businesses, and people with Medicare and Medicaid. If you require a clear understanding of the terms, here they are below;
Medicare: A system of health insurance provided by the U.S for people over the age of 65.
Medicaid: Medicaid is a federal system of health insurance provided by the U.S government for people who require financial assistance.
Health Net Insurance Medical | Health Net Medical
Just as I have stated above, health net sells health medicare advantage plans. Their medicare advantage also offers additional services that are not usually available through the original Medicare. This means that they can be a good alternative to the original medicare. The Health Net insurance company was founded more than 40 years ago and it has served more than 3 million members.
The Health Net Medicare Advantage plans are now available in some countries, California, Oregon, and Washington as Wellcare by Health Net.
When you choose these plans, you will be able to get services that the normal Medicare does not offer, such as Vision, hearing, dental coverage, etc. Keep reading to get more information about these plans.
Health Net Insurance Plans
Because Health Net does not offer only Medicare plans, we refer to their plans as medicare advantage plans.
What are Medicare Advantage Plans?
Since private companies like Health Net want to stand out, they do not just offer primary Medicare plans, they go the extra mile. Medicare Advantage plans combine both original medicare plans and often other additional benefits.
Some Medicare Advantage plans offer the following benefits:
- Hospitalization Services
- Home healthcare services
- hospice care
- doctor’s visits
- prescription drug coverage
- preventive care
- SilverSneakers fitness memberships
For proper understanding, if these are the medicare advantage plans, what services do the normal medicare plans cover?
Services Covered By Medicare Part A
Below are the services that are covered by the medicare part A;
Inpatient Care In Hospitals
Services offered here include but are not limited to ;
- Semi-private or shared room
- Inpatient care in acute care hospitals
- Prescription of drugs as part of your inpatient treatment
- Hospital care at inpatient rehabilitation facilities, long-term care hospitals, and critical access hospitals
- Inpatient care as part of a qualifying clinical research study
- Mental health care.
Home Health Services
The home health care services may include, but are not limited to;
- Skilled part-time nursing care
- Physical Therapy
- Speech therapy
- Medical social services
- Part-time home health aide services
There may be limitations to these home care services by medicare.
The Hospice care services rendered by Medicare include;
- Drug prescription
- medical nursing and social services
- short term inpatient care
- homemaking services
- physical, occupational, and speech therapy
- short term inpatient stays for pain and symptom management, amongst others.
Skilled Nursing Facility Care
These services include ;
- a semi-private room
- skilled nursing services
- rehabilitative services
- other services and supplies
To qualify for these services, your doctor must certify that you really need daily skilled care like physical therapy and intravenous injection.
Medicare may cover certain organ transplants and stem cell transplants. These transplants may include;
Other types of transplants may be included in medicare part B.
Medicare part B
Medicare part B covers services like
- Clinical services
- Ambulance services
- Mental health services
- Durable medical equipment
- Limited outpatient prescription drugs.
Now that we know what the normal medicare services cover, let us look at the medicare advantage services offered by Health Net insurance.
Health Net Medicare Advantage Plans
The Medicare Advantage plans offered by Health Net come in different options. Below, we have given a perfect explanation of them.
Health Net HMO Plans
HMO is short for Health Maintenance Organization (HMO) plan. It is a type of Medicare Advantage plan that Health Net offers.
Right here, you enjoy the greatest cost savings when you are a member of HMO and you choose in-network health line providers.
Health net provides you with a list of providers that are partnering with them to offer you services on sign-up. Although you can still see a doctor who is out of network, you will pay more if you do that.
In addition to that, you will most likely choose a primary care doctor who will help you manage your health care.
Health Net PPO plans
Ppo is short for Preferred Provider Organisation Plans. This type of plan is similar to the HMO in some ways, i.e you can choose to see in-network providers for cost savings.
In the same way, you can also choose out of network providers at a particular cost. Unlike the HMO, with the PPO plans. You do not necessarily need a referral from your doctor to see a specialist.
Health Net Special Needs Plans
These plans were provided by the health net for people who have certain types of illnesses like diabetes or heart disease.
Health Net offers these types of plans as part of an HMO. Good Examples of these plans include the Health Net Jade plan, created for people who have been diagnosed with diabetes, heart conditions, or chronic heart failure.
Health Net Part D options
This is the portion of Medicare that provides or covers prescription of drugs. Anyone who is eligible for Medicare is required to have part D coverage to a certain level.
This means you’ll be required to pay a single monthly premium to Health Net and receive the medical benefits that have been outlined in your plan as well as prescription drug coverage.
What do Health Net Medicare Advantage Plans Cover
Normally, the medicare advantage plans expand the number of services available to you. these services may include;
- Fitness membership
- Hearing aids
- In-home fitness programs
- Routine eye examinations and eye wears
- Preventive and comprehensive dental services.
The benefits will vary depending on what type of plan you have selected.
Health Net Register
It may be a little difficult trying to locate the registration page, but we have decided to make things easy for you by giving you a step-by-step process to register as a member, follow the steps below;
- Go to the platform’s main website, healthnet.com with any browser of your choice.
- At the home page of this website, click on members at the top of the page. This action will reveal a drop-down menu, click on the login link at the menu.
- The next page will reveal registration and login links for different plans, click on the member’s registration of your choice.
- The next few pages will reveal forms for your personal information and your account information, fill out these forms and click on register.
Now, you can always log in to your account with your email and your unique password
Health Net Login
Logging into your account is very easy as it will require almost the same steps you used for registration. However, I am going to outline them for you.
- Go to the website, heatlthnet.com with your choice browser.
- After that, click on members at the top part of the home page, and then click on login
- Since you already have an account, you are required to click on the login link of the plan you want on the next page.
- On the login page that comes next, fill in your login details and click on login
This automatically logs you into your account and you can now access all the benefits that await you.
Phone Number For Health Net Insurance
If you have some complaints or issues about the platform, and you need the Health Net Insurance Phone Number, all you need to do is go to their main website, www.healthnet.com and file your request at the contact us button on the home page.