Large Group Portfolio

Transcription

1 Health Net Commercial Large Group Portfolio Large Group Doing more. Committing more. Delivering more opportunities to generate sales 2016 Geoffrey Gomez, Health Net We build tools to simplify administration and sales.

2 Table of Contents Why Choose Health Net?...2 Enhanced Choice: The Solution That Works!...3 Enhanced Choice Benefit Plans...4 Starting Line-Up: Fitting Every Client s Business Needs...7 Simple, Smart, Sustainable Solutions...8 Contact Information and Sales Materials...Back cover

3 Why Choose Health Net? At Health Net of California, Inc. and Health Net Life Insurance Company (Health Net), delivering affordable health care is our top priority, and we offer a strategic blend of benefit solutions to make it happen. By providing affordable health coverage in concert with a commitment to the people and communities we serve, we do what it takes to make health care work for large employer groups and their employees. Karen Boyd, Health Net We translate expertise into innovation. Strong numbers Our parent company, Health Net, Inc., has the strength and stability to focus on care delivery and the resources to innovate. With robust annual revenues, assets, cash, and investments, we provide health benefits to more than six million members across the country and behavioral health services to more than six million individuals. Information current as of August Community commitment Our success is powered by a local commitment to the individuals, companies and communities we serve. Headquartered in Woodland Hills, California, Health Net monitors and is proactive in understanding local issues throughout the state. And we maintain strong ties with our provider communities, drawing upon their local expertise to enhance our community awareness. Transforming how we do business We ve aimed high with our benefit coverage products and new ways of doing business, leading the way in this evolving marketplace. We examine the industry, anticipate market needs, and offer forward-thinking solutions employers and employees want and need. We have growing expertise with public and private exchanges, and have increasing enrollments in both. Portfolios and products Our Enhanced Choice and Starting Line-Up portfolios and products make it easy for you to offer low-cost plan choices that give your clients and their employees peace of mind helping them to live well and work well! 2

4 Enhanced Choice: The Solution That Works! Enhanced Choice is showing rapid growth since its recent launch! New dental and vision plan additions with a 1/1/16 effective date add even more marketability! How it works Enhanced Choice is a portfolio of plans with a defined contribution solution to give your midsize clients the same advantages as large group businesses. Our Enhanced Choice portfolio for California groups leads the way in today s marketplace with flexible, cost-saving choices that include: A competitive, defined contribution arrangement for financial flexibility. The ability to provide our popular and proven tailored networks (SmartCare, Salud HMO y Más, ExcelCare) alongside the defined contribution arrangement, making them even more affordable and competitive! Broad employee choice offering employees the potential to choose from up to six plans the most in the market! Employers ability to tie their contribution rate to the lowest-priced plan they choose. Less administrative burden and low-cost plan choices for employers. Additionally, all Enhanced Choice portfolio plans are supported by our value-added services, such as our ProviderSearch tool, Decision Power Healthy Discounts, health improvement programs, and our dynamic website Best of all, it s simple to help clients enroll in Enhanced Choice: 1. Select a base plan from the available portfolio options. 2. Set their contribution to 50% of the lowestcost base plan. 3. Choose up to six total plans from the portfolio Employees then enroll in the plan they want from the options your clients offer. For more information about Enhanced Choice benefit offerings, see the benefit grids on the following pages. And, to help you sell Enhanced Choice, refer to our benefit grid materials, which are available at > Forms and Brochures > Groups flexible employee Employer pays minimum of participation of the base plan + requirements + 50% monthly premium + 2 = Access to Health Net s Enhanced Choice Large Group Portfolio! or more eligible employees, up to 500 Employer selects a maximum of 6 plans 1 1 Employers offering benefits for the first time may choose up to 3 plans. 2 There are different minimum employer contribution requirements for employer groups with no prior coverage (a.k.a. virgin groups). Please contact your Health Net sales consultant for further details. 3

5 Enhanced Choice Benefit Plans Large Group HMO/EOA benefits Plan code3 SmartCare HMO Plan name Office visit Medical Inpatient hospital Outpatient surgery Out-of-pocket maximum (single / family) Emergency room Plan code Pharmacy Rx brand deductible SmartCare HMO Rx choices Rx drug copays BJ6 15/250a $15 $250 $100 $1,500 / $3,000 $100 17Q $100 $10 / $30 / $50 BJ7 20/500a $20 $500 $200 $2,500 / $5,000 $100 17R $100 $15 / $30 / $50 BJ8 30/250d $30 $250/day $100 $3,500 / $7,000 $100 22Y $300 $20 / $40 / $60 BJ9 40/500d $40 $500/day $200 $3,500 / $7,000 $100 BJB 50/50% $50 50% 40% $4,500 / $9,000 $100 CK9 50/1500d $50 $1,500/day 50% $4,850 / $9,700 30% CKB 60/1500a $60 $1, % 50% $4,850 / $9,700 30% CNV 60/1500a $60 $1, % 50% $4,850 / $9,700 $ % Salud HMO y Más Salud HMO y Más Rx choices BKD 15/250a $15 $250 20% $1,500 / $4,500 $50 17Y None $5 / $25 / $45 BKG 15/20% $15 20% 20% $1,500 / $4,500 $50 17Z None $10 / $30 / $50 BKJ 30/20% $30 20% 20% $1,500 / $4,500 $50 BKH 30/30% $30 30% 30% $2,000 / $6,000 $50 C8B 40/40% $40 40% 40% $4,500 / $9,000 $100 EOA 4 EOA Rx choices HMO: $20 HMO: $2,000 / $6,000 17X None $10 / $30 / $50 BK2 20/500a $500 $500 $100 PPO: $40 17V $100 $15 / $35 / $55 HMO: $30 HMO: $2,000 / $6,000 BK3 30/1000a $1,000 $1,000 PPO: $50 $100 22Z $300 $20 / $40 / $60 HMO: $30 HMO: $2,000 / $6,000 BK8 30/30% 30% 30% PPO: $50 $100 HMO: $40 HMO: $4,500 / $9,000 BKC 40/40% 40% 40% PPO: $60 $100 HMO: $50 HMO: $4,850 / $9,700 CKG 50/1500d $1,500/day 50% PPO: $70 PPO: $4,850 / $9,700 30% HMO: $60 CKE 60/1500a PPO: $80 $1, % 50% HMO: $4,850 / $9,700 PPO: $4,850 / $9,700 30% HMO: $60 CNW 60/1500a PPO: $80 $1, % 50% HMO: $4,850 / $9,700 PPO: $4,850 / $9,700 $ % HMO 4 HMO Rx choices BJK 20/500a $20 $500 $500 $2,000 / $6,000 $100 17S None $10 / $30 / $50 BJL 30/1000a $30 $1,000 $1,000 $2,000 / $6,000 $100 17M $100 $15 / $35 / $55 BJS 30/30% $30 30% 30% $2,000 / $6,000 $100 22X $300 $20 / $40 / $60 BJU 40/40% $40 40% 40% $4,500 / $9,000 $100 CK7 50/1500d $50 $1,500/day 50% $4,850 / $9,700 30% CK8 60/1500a $60 $1, % 50% $4,850 / $9,700 30% CNX 60/1500a $60 $1, % 50% $4,850 / $9,700 $ % (continued) 4

6 Large Group HMO/EOA benefits (continued) Plan code3 Plan name Office visit Medical Inpatient hospital Outpatient surgery Out-of-pocket maximum (single / family) Emergency room Plan code Pharmacy Rx brand deductible ExcelCare EOA ExcelCare EOA Rx choices BMV 20/500a BMW 30/1000a BN1 30/30% BN4 40/40% CKH 50/1500d CKF 60/1500a CNZ 60/1500a HMO: $20 PPO: $40 HMO: $30 PPO: $50 HMO: $30 PPO: $50 HMO: $40 PPO: $60 HMO: $50 PPO: $70 HMO: $60 PPO: $80 HMO: $60 PPO: $80 $500 $500 $1,000 $1,000 30% 30% 40% 40% $1,500/day 50% $1, % $1, % 50% 50% HMO: $2,000 / $6,000 HMO: $2,000 / $6,000 HMO: $2,000 / $6,000 HMO: $4,500 / $9,000 HMO: $4,850 / $9,700 PPO: $4,850 / $9,700 HMO: $4,850 / $9,700 PPO: $4,850 / $9,700 HMO: $4,850 / $9,700 PPO: $4,850 / $9,700 Rx drug copays $100 17X None $10 / $30 / $50 $100 17V $100 $15 / $35 / $55 $100 22Z $300 $20 / $40 / $60 $100 30% 30% $ % ExcelCare HMO ExcelCare HMO Rx choices BM8 20/500a $20 $500 $500 $2,000 / $6,000 $100 17S None $10 / $30 / $50 BM9 30/1000a $30 $1,000 $1,000 $2,000 / $6,000 $100 17M $100 $15 / $35 / $55 BMG 30/30% $30 30% 30% $2,000 / $6,000 $100 22X $300 $20 / $40 / $60 BMM 40/40% $40 40% 40% $4,500 / $9,000 $100 CKC 50/1500d $50 $1,500/day 50% $4,850 / $9,700 30% CKD 60/1500a $60 $1, % 50% $4,850 / $9,700 30% CNY 60/1500a $60 $1, % 50% $4,850 / $9,700 $ % Large Group PPO benefits Plan code 5 Plan name Office visit HSA/HRA PPO and OOS PPO 7 Deductible (single / family) Medical Coinsurance Inpatient hospital Outpatient surgery Out-of-pocket maximum (single / family) Emergency room Plan code Pharmacy Rx brand deductible HSA/HRA PPO and OOS PPO Rx required plans Rx drug copays PPO/OOS PPO PPO/OOS PPO Rx choices BL7 20/500/80/60 $20 $500 / $1,500 20% 20% 20% $3,000 / $9,000 $ % 18T / 19T None $10 / $30 / $50 BL8 30/500/90/70 $30 $500 / $1,500 10% 10% 10% $2,000 / $6,000 $ % 18Z / 19Z $100 $15 / $35 / $55 BLB 30/1000/80/60 $30 $1,000 / $3,000 20% 20% 20% $3,000 / $9,000 $ % 18C 6 / 19C 6 $300 $15 / $40 / $60 BLC 30/2000/70/50 $30 $2,000 / $6,000 30% 30% 30% $4,000 / $12,000 $ % BA3 60/70/5000 $60 $5,000 / $10,000 30% 30% 30% $6,350 / $12,700 $300 Subject to BM1 2000/100/50 $0 $2,000 / $4,000 0% 0% 0% $2,000 / $4,000 0% 18K / 19K annual ded. $0 Subject to BM2 3000/100/50 $0 $3,000 / $6,000 0% 0% 0% $3,000 / $6,000 0% 18L / 19L annual ded. $0 Subject to CHE 3000/70/50 30% $3,000 / $6,000 30% 30% 30% $5,000 / $10,000 $ % 41C / 42C annual ded. $15 / $30 / $50 Large Group chiropractic benefits HMO/EOA/ExcelCare EOA/ExcelCare HMO/Salud HMO y Más Plan code Plan name Office visit Out-of-pocket maximum (single / family) 5O Chiro $10 / 30 visits $10 $1,500 / $4,500 CI Chiro $10 / 30 visits $10 $2,000 / $6,000 EM Chiro $10 / 30 visits $10 $4,500 / $9,000 AOU Chiro $10 / 30 visits $10 $4,850 / $9,700 AOV Chiro $10 / 30 visits $10 $4,850 / $9,700 (continued) 5

7 Supplemental Dental HMO 8 Member copayment 9 Plan name Diagnostic care D0120 periodic oral evaluation Preventive care D1110 prophylaxis adult Restorative treatment D2140 amalgam filling Crowns and pontics D crown porcelain fused to predominantly base metal HN Plus DHMO 185 $0 $0 $0 $185 HN Plus DHMO 150 $0 $0 $0 $150 HN Plus DHMO 225 $0 $0 $0 $225 Dental PPO 11 Insured responsibility 12 Plan name Deductible (waived on P&D services) Maximum calendar year Coinsurance (P&D/Basic/Major) Lifetime ortho maximum OON reimbursement Orthodontia DPPO Essential 5 $1,500 $50 / $150 $1,500 0% / 20% / 50% $1,500 MAC 50% after deductible No DPPO Classic 3 $1,500 $50 / $150 $1,500 0% / 20% / 50% $1,500 80% HIAA 50% after deductible No DPPO Classic Plus 1 $2,000 $50 / $150 $2,000 0% / 10% / 40% $1,500 80% HIAA 50% after deductible No Vision PPO 13 Insured responsibility 12 Plan name Exam Frame allowance Frequency (exam/lenses/frame/contact lens in lieu of lenses) Preferred Value 10-2 N/A $100 N/A / 12 / 24 / 12 Preferred $10 $ / 12 / 24 / 12 Supreme $10 $ / 12 / 24 / 12 Employee Assistance Program, offered by Mental Health Network, Inc. Problem-solving sessions Life/AD&D Single carrier rates per employee per month Employees Rates when Health Net is one of multiple carriers per employee per month Employees $1.53 $1.43 $1.33 $2.18 $2.08 $ $1.77 $1.66 $1.55 $2.78 $2.67 $ $2.40 $2.26 $2.12 $4.18 $4.04 $3.90 Health Net has a range of coverage options for Life/AD&D. Popular coverage amounts include $15,000, $25,000 and $50,000. Other coverage amounts are available Please contact your Health Net sales consultant. Waiting periods Large Group HMO/EOA benefits 3Plan codes could differ by geography. 4Only one full network option can be chosen (HMO or EOA). Large Group PPO benefits 5Plan codes could differ by geography. 6Must be packaged with PPO plan BA3. 7Health Net s Integrated HSA/HRA with HealthEquity is available. Supplemental 8 Health Net Dental HMO plans are provided by Dental Benefit Providers of California, Inc. (DBP). Obligations of DBP are neither the obligations of nor guaranteed by Health Net, Inc. or its affiliates. 9Refer to your Evidence of Coverage and Schedule of Benefits for the full list of covered procedures and exclusions and limitations. 10There is a $75 copayment per crown/bridge unit in addition to regular copayments for porcelain on molars. 11 Health Net PPO plans are underwritten by Unimerica Life Insurance Company. Obligations of Unimerica Life Insurance Company are neither the obligations of nor guaranteed by Health Net, Inc. or its affiliates. 12 This is only a summary of benefits. Please refer to the Certificate of Coverage for terms and conditions of coverage, including which services are limited or excluded from coverage. 13 Health Net Vision PPO plans are underwritten by Fidelity Security Life Insurance Company and serviced by EyeMed Vision Care, LLC (together, the Fidelity Entities ). The Fidelity Entities are not affiliated with Health Net of California, Inc. or Health Net Life Insurance Company (together, the Health Net Entities ). Obligations of the Fidelity Entities are neither the obligations of nor guaranteed by the Health Net Entities. 6

8 Starting Line-Up: Fitting Every Client s Business Needs Health Net s SLU portfolio provides more ways to expand your sales opportunities. We built our Starting Line-Up (SLU) portfolio for large group employers looking for the simplicity and innovation of our bestselling plans and networks with sustainable cost-savings. Knowing our customers helps us meet their health care needs by designing coverage options they can afford and you can sell! Delivering value, stability, wellness benefits, and services for our members and business partners is how we provide health care that keeps employees healthy and companies going strong. We know that for large groups, affordability is a top priority. Our marketable 2016 SLU portfolio includes our most affordable plan solutions for employer groups, helping you find the right answers to fit every client s business needs. Our Standard and Value HMO and EOA plans, proven and popular tailored networks, and flexible HSA/HRA Integrated and PPO options all provide more ways to expand your sales opportunities! Extras that count Every SLU plan comes complete with valuable extras including: Decision Power An integrated program created to engage people in their health. With personalized tools and achievable goals, our members can feel confident in their ability to make positive and lasting behavioral changes. Health improvement programs Providing interactive ways to address and improve health risk factors. Decision Power Healthy Discounts Value-added discounts on lifestyle improvements, services, products, and more to support members health goals. Our dynamic website gives your clients and their employees just what they re looking for, with simple navigation and easy-to-find information, for an interactive and satisfying health plan experience. To help you sell Health Net SLU products, refer to our benefit grid materials, which are available at > Forms and Brochures > Groups

9 Simple, Smart, Sustainable Solutions Health Net continues to offer simple, smart, sustainable benefit solutions. We make it easy for you to offer low-cost, quality plan choices that give consumers and employers peace of mind helping them to live well and work well. At every level of our company, we re doing what it takes to make health care work for members and employers and to make a difference every day. Simple: We ve developed a defined contribution solution with products that feature easy-to-use and understand benefits for your clients and their employees. Sustainable: Our tailored networks and capitated HMOs for large groups mean your clients can rely on rate stability making Health Net solutions affordable now and for years to come. We have 55% 14 of our California commercial membership enrolled in tailored networks and growing. And tailored networks offer rate savings available in select counties and plans over our full HMO and EOA networks! See the product description chart on the following pages for more details on Enhanced Choice and Starting Line-Up portfolios offerings. Smart: We offer plans your clients can afford and their employees will love. All our plans include support and access to Decision Power, our ProviderSearch tool, wellness programs, an employee assistance program (EAP), and preventive services that help reduce high-cost service utilization. Proven sales-increasing products that employees value benefits that help them feel well, stay well and promote engagement in their jobs. Simple Smart Sustainable Andre Hamil, Health Net We work hard to pay claims quickly and accurately. 14 As of August

10 Medical and pharmacy Description product or network SmartCare Tailored Network available with select HMO and EOA plans Salud HMO y Más Tailored Network Elect Open Access (EOA) HMO ExcelCare Tailored Network available with select HMO and EOA plans With easy-to-use benefits, predictable costs and a quality network, SmartCare is an attractive, wholehealth option for your clients to offer and for their employees to choose. SmartCare puts the pieces together and offers enhanced value for the health of California employers and employees. SmartCare members receive a chance to earn a $50 gift card, acupuncture and chiropractic services are included as value-added benefits, and access to MinuteClinics, which are located in select CVS stores, is offered. Salud HMO y Más is designed for members of the Hispanic community looking for access to budgetfriendly, community-based, culturally competent health care. Salud advantages include cost-savings to employers, along with essential benefits, predictable costs and access to a quality health care delivery system designed to respond to Latino preferences. Rate savings over our full HMO network are available for select plans and counties! Our EOA plans combine HMO predictability with set copayments, plus the freedom to visit our PPO network physicians or specialists without referrals for certain professional services. Available in Standard and Value options Your clients can choose the one that s right for their business and budget. Employees choose between two tiers of benefits HMO or PPO whenever they need services in a doctor s office. With more than 35 years experience as a top managed health care organization, we develop HMO plans that give your clients and their employees a wide range of services at predictable costs. Available in Standard and Value options Your clients can choose the one that s right for their business and budget. Benefits are tied to our HMO provider network one of the largest in the state. Our ExcelCare Network is a select subset of our quality providers in our full HMO network. Whether you pair our HMO or EOA plans with our full network or ExcelCare Tailored Network, you get the same quality benefits no matter which one you choose. Rate savings over our full HMO network are available in select counties! Service areas SmartCare has expanded! Available in all or parts of 21 counties, effective 1/1/16: Alameda, Contra Costa, Fresno, Kern, Kings, Los Angeles, Napa, Orange, Riverside, Sacramento, San Bernardino, San Diego, San Francisco, San Joaquin, San Mateo, Santa Clara, Santa Cruz, Solano, Sonoma, Tulare, and Yolo All or parts of Kern, Los Angeles, Orange, Riverside, San Bernardino, and San Diego counties 30 counties statewide 30 counties statewide All or parts of Kern, Los Angeles, Orange, Riverside, San Bernardino, San Diego, San Francisco, Santa Clara, Stanislaus, and Ventura counties 9

11 Medical and pharmacy product or network PPO HSA-compatible PPO: HSA/HRA Integrated HSA-compatible PPO EZ Access HSA-compatible PPO Pharmacy Chiropractic and Acupuncture (chiropractic only available in Enhanced Choice) Description PPO insurance plans make it possible for employees to get the flexibility they want when it comes to a health care provider. Insureds can go to a doctor or hospital in our PPO network one of the largest in California. They can even see a provider outside of our network. Our Standard and Value PPO insurance plans are well-suited for your group clients. Our HSA-compatible plans are offered with integrated HSA or HRA account options through HealthEquity. A proven expert in financial arrangement integration and administration, HealthEquity offers easy-to-use tools and comprehensive resources for greater convenience, service and choice in consumer-directed health care benefits. Our low-premium, high-deductible PPO insurance plans give employees broad benefits and access to our statewide PPO network, along with the tax-saving potential of a Health Savings Account (HSA). These smart plans are an effective way for clients to take a consumer-directed health care approach to the way they offer benefits. As an option, clients can get an EZ Access HSA plan, which pairs any one of our HSA-compatible plans with a convenient bank debit card. HMO, EOA and PPO plans come with a choice of pharmacy options that mirror the drug levels of our formulary. Each includes fixed copayments, mailorder cost savings, and a choice of an applicable $100 or $300 deductible for brand-name drugs. HSA-compatible PPO plans include set benefits. SmartCare plans include a choice of two built-in pharmacy options. Chiropractic and acupuncture coverage key features include self-referral services, convenient copayments and coverage of medically necessary X-rays, lab tests and items (chiropractic only). SmartCare plans include built-in chiro/acu benefits. Service areas 58 counties statewide 58 counties statewide 58 counties statewide 58 counties statewide Coverage area matches individual medical product or tailored network enrollment Coverage area matches individual medical product or tailored network enrollment 10

12 Dental. Vision. Employee Assistance Program. Life/AD&D. Helping employees gain and maintain healthier lifestyles is a key selling point! We offer the essentials to complement medical coverage and a variety of healthy life choices. Bundle and save! Your clients can enjoy up to 2% in combined savings with our multiproduct bundling program. Groups with a minimum of 101 employees and less than 500 enrolled members pay less for medical premiums when they add Dental, Vision and/or Life to the quote. Contact your Health Net sales consultant for more details. Supplemental product Description Service areas Dental Vision Mental Health Network, Inc. Employee Assistance Program (MHN EAP) Life/AD&D Dental HMO and PPO plan choices provide clients with value, flexibility, simplicity, and a focus on preventiion and wellness. These affordable dental plans offer comprehensive coverage and provide access to one of the largest dental networks in California. Three categories of vision PPO insurance plans come standard with these key features: no or low copayments, provider choice including optical retailers, frame choice, contact lenses by mail, discounted LASIK or PRK (if authorized), secondary purchase plan. An EAP helps employees address personal Statewide problems that might affect their health, well-being and job performance, resulting in fewer absences and more productivity. With tools for lowering health risks, managing stress and increasing resilience, a small investment in MHN s EAP can yield big returns: optimal health, well-being and productivity. Health Net has a range of coverage options for Statewide term Life/AD&D. Popular coverage amounts include $15,000, $25,000 and $50,000. Other coverage amounts are available Please contact your Health Net sales consultant. Coverage area matches individual medical product or tailored network enrollment Coverage area matches individual medical product or tailored network enrollment 11

13 Contact Information and Sales Materials Health Net delivering value, stability and wellness Health Net s Enhanced Choice and Starting Line-Up portfolios give you more ways to expand your large group sales opportunities in any economy by combining affordability, choice and simplicity. Need answers? Here s where to find them: Call your Health Net sales representative. Visit us online at Call your Broker Services team at , option 4. For benefit/eligibility verification or claims issues, members can call: Medical: Life: For dental and vision questions, members can call: Vision: Dental: For chiropractic/acupuncture questions, members can call: View and download a collection of sales materials: Go to > Forms and Brochures > Groups Go to to learn more about how Health Net is delivering value and making a difference every day! Solutions for the health of California employers and employees. We are your Health Net. TM Members have access to Decision Power through current enrollment with Health Net of California, Inc. and Health Net Life Insurance Company (Health Net). Decision Power is not part of Health Net s commercial medical benefit plans. It is not affiliated with Health Net s provider network, and it may be revised or withdrawn without notice. Decision Power services, including clinicians, are additional resources that Health Net makes available to enrollees. PPO, Life and AD&D insurance plans are underwritten by Health Net Life Insurance Company, a subsidiary of Health Net, Inc. Health Net Dental HMO plans are underwritten by Dental Benefit Providers of California, Inc. (DBP). Obligations of DBP are neither the obligations of nor guaranteed by Health Net, Inc. or its affiliates. Health Net Dental PPO and indemnity plans are underwritten by Unimerica Life Insurance Company. Obligations of Unimerica Life Insurance Company are neither the obligations of nor guaranteed by Health Net, Inc. or its affiliates. Health Net Vision plans are underwritten by Fidelity Security Life Insurance Company and serviced by EyeMed Vision Care, LLC (together, the Fidelity Entities). Discounts on vision care services and products are made available by EyeMed. The Fidelity Entities are not affiliated with Health Net of California, Inc. or Health Net Life Insurance Company (together, the Health Net Entities). Obligations of the Fidelity Entities are neither the obligations of nor guaranteed by the Health Net Entities. Chiropractic and acupuncture coverage is administered by American Specialty Health Plans of California, Inc., a wholly owned subsidiary of American Specialty Health, Inc. and is not affiliated with Health Net, Inc. The HSA component of EZ Access HSA is offered by Bank of America, N.A., as trustee of the HSA. Health Net is not affiliated with Bank of America, N.A. Health Net of California, Inc. and Health Net Life Insurance Company are subsidiaries of Health Net, Inc. Health Net, Salud con Health Net and Decision Power are registered service marks of Health Net, Inc. All other identified trademarks/service marks remain the property of their respective companies. All rights reserved. BKT004205EL00 (11/15)