FA M I LY p L A N
FOR THE WAY YOU LIVE
FA M I Ly p L A N
HEALTH NET OF ARIZONA
For over 28 years, we’ve made it our business to
make sure you have the health care coverage and
wellness services you need to help you stay healthy.
That remains our top priority today.
Whatever you’re looking for in a health insurance
plan – affordability, broad benefit coverage, choice
in doctors or wellness programs – you’ll find it with
Health Net of Arizona Individual & Family Plans.
Affordable. Easy. That’s Health Net.
health net plans fit your budget, your life
1 EAsy TO sEE AdvANTAgEs OF A
HEALTH NET INdIvIduAL & FAMILy pLAN............................... 3
HELpFuL dEFINITIONs ................................................................ 4
ppO pLANs .................................................................................... 5
• PPO Value Plans.......................................................................................................... 6
• PPO Advantage Plans ................................................................................................ 6
HMO pLAN .................................................................................... 7
HsA-COMpATIBLE ppO pLANs................................................... 8
dENTAL & vIsION ........................................................................ 9
INdIvIduAL TERM LIFE INsuRANCE ....................................... 10
PART no-Cost eXtras
2 dECIsION pOWERsM ................................................................... 12
CONsuMER TOOLs ................................................................... 14
applying for health net Coverage
3 HOW TO AppLy .......................................................................... 16
pROTECTINg yOuR HEALTH INFORMATION ........................ 17
EXCLusIONs ANd LIMITATIONs ............................................. 17
FIT yOuR BudgET,
FIT yOuR LIFE
IT’s EAsy TO sEE THE AdvANTAgEs
OF A HEALTH NET INdIvIduAL & FAMILy pLAN
EAsy TO CHOOsE the health plan that fits your budget and your life from our
choice of HMO, PPO and HSA-compatible PPO plan options.
EAsy TO FINd A dOCTOR close to work or home from our large network of
doctors and hospitals.
EAsy TO gET CARE. All Health Net health plans cover essential preventive care,
emergency services and hospitalization.
EAsy TO usE. Online tools plus real people to talk to on the phone add up to a
health plan that’s actually easy to use.
EAsy TO AFFORd. Among the Health Net options that leave some change in your
pocket are our PPO Value Plans. With set copays for many services and manageable
monthly plan premiums, you’re sure to find a plan that fits your life and your budget.
EAsy TO pAy. Use Quick Pay – an automatic deduction from your bank account
– charge to your credit card or send in a check. When it comes to paying your
monthly plan premiums, the choice is yours.
EAsy TO sTAy HEALTHy ANd gET WELL with no-cost extras like Health Coaches,
interactive tools and education that help you work with your doctor and make
Here are some commonly used Copayment is the fixed dollar and provide referrals as needed.
health insurance terms that are amount you pay for certain Members must use providers
referenced in this guide. We’ve covered services at the time you within the contracted network for
defined them here to help make receive care. services to be covered, except for
everything fast to read and easy to emergency care.
Deductible is the amount you pay
for covered services each calendar PPO (Preferred Provider
year before an insurance plan Organization) is a health
begins to pay benefits for certain insurance plan designed to provide
covered services. benefits for covered medical
services from doctors, hospitals
Coinsurance is a percentage of
and other providers both in- and
medical costs you pay for most
out-of-network. Members using
covered services after you have
in-network providers (providers
received care and your claim has
contracted with the insurance
company at a discounted rate)
Out-of-Pocket Maximum is generally pay lower out-of-pocket
the limit to the total amount of costs than members who use
copayments, coinsurance and/or out-of-network providers (non-
deductibles you pay each calendar contracted providers).
year. Certain expenses may not apply
Preferred or Contracted
to the “out-of-pocket maximum;”
Providers (also referred to as
individual maximums can be
in-network providers) are the
different from family maximums.
doctors, hospitals and other
Lifetime Maximum is the dollar health care providers that have
amount of covered services and an agreement with Health Net
supplies your health insurance to provide health care services for
policy will pay for the duration of our members at a contracted rate.
your lifetime. This generally means lower out-
HMO (Health Maintenance of-pocket costs for our members.
Organization) is a health plan If you receive care from a non-
that provides access to health care contracted or out-of-network
services through doctors, hospitals provider, you may pay higher out-
and other providers who have a of-pocket costs for your services.
contract with the HMO. The
HMO requires members to select
a primary care physician (PCP)
who directs their medical needs
If freedom of choice is what you want, our PPO plans are just right
for you. You can go to any doctor or hospital in our Health Net PPO
network1 – there are more than 3,300 primary care physicians, 3,250
specialists and 50 hospitals to choose from. You can also see providers
outside of the Health Net PPO network.
When you choose a preferred (or in-network) provider, you pay:
• A calendar year deductible, if applicable.
• A fixed copayment or coinsurance after you’ve met your calendar year
deductible (up to the calendar year out-of-pocket maximum).
When your doctor submits a bill for services he/she provided to you,
we pay our portion and send you a statement called an Explanation of
Benefits that lists the amount you owe. Your doctor will then bill you for
the amount on the statement.
When you see a non-preferred (or out-of-network) provider, you generally pay:
Is A HEALTH NET ppO pLAN • A calendar year deductible.
RIgHT FOR yOu?
• A coinsurance after you’ve met your calendar year deductible (up to the
Yes, if you want:
calendar year out-of-pocket maximum). The copayment/coinsurance is
• Freedom of choice, no higher when you go out-of-network, which means you’ll pay more.
• Charges that exceed allowances for covered services.
• Access to in- and out-of-
network providers – your costs Some services may be covered only when you receive them from in-network
are usually lower when you physicians and facilities. And all hospital care (including outpatient
use our in-network providers. procedures) requires precertification. Of course, in an emergency go to the
closest emergency facility. Emergency care is available worldwide.
• Broad network access
throughout Arizona. Plus,
when traveling you’ll have
access to more than 8,000
hospitals and 525,000 providers
available nationwide through an
arrangement with First Health®,
a national PPO network.
• Time saving convenience –
no claim forms to file when
you use network services. 1Those living in Apache, Navajo, Yavapai and Yuma counties must always use the First
Health network to receive in-network benefits in these areas. When accessing care in all
other counties in Arizona, PPO members must use the Health Net provider network to
receive in-network benefits.
ppO pLAN CHOICEs
Our Value Plans are just the right fit for those who don’t require a lot of
medical attention. These high deductible plans give you coverage when you
need it most with a lower monthly plan premium that’s affordable for you.
With our Value Plan benefits, you get in-network hospital, lab and X-ray
services at no charge after you’ve met your deductible. Your office visits are
a fixed copay – $30 for a primary care doctor visit and preventive care, $60
for a specialist visit.
If you’re looking for a plan with lower deductibles, look to our Advantage
Plans. Choose from a wide range of deductible plans that suit your needs
and your budget.
Our Advantage Plan benefits include in-network hospital services at
only a 20 percent coinsurance after you’ve met your deductible. Lab and
X-ray services are no charge in the doctor’s office or freestanding facility
(non-hospital affiliated). And you pay a fixed copay for primary care and
specialist office visits and preventive care.
IN-sTORE HEALTH CARE CLINICs (CONvENIENT CARE CLINICs)
All of our plans give you access to the In-Store Health Care Clinics
(Convenience care clinics) located throughout the Phoenix and Tucson
areas – for just an office visit copay.
These clinics provide care for minor illnesses, such as flu and allergies.
Plus, you can access wellness services including immunizations and blood
In-Store Health Care Clinic services are available through Take Care Health
Systems in Walgreen’s Pharmacies, MinuteClinics in select CVS Pharmacies
and The Little Clinic in five select Fry’s Food Stores in the Phoenix area.
It’s easy to see why those looking for predictability go with our HMO plan.
It’s designed for people who want to know what they’ll pay for their health
care services at the time they receive them. Plus, they feel confident that
their doctor coordinates most of their medical needs.
With our HMO plan, you’ll choose a primary care physician (PCP) from
our Health Net network of contracted providers. We have one of the
largest provider networks in the state, with more than 3,300 primary care
physicians, 3,200 specialists and 50 hospitals to choose from. We’ve also
been voted Arizona’s #1 HMO since 2005, based on the state’s largest
opinion poll, “Ranking Arizona,” conducted by Arizona Business Magazine. Is A HEALTH NET HMO pLAN
That speaks volumes. RIgHT FOR yOu?
OuR HMO pLAN Yes, if you want:
With decades of HMO experience behind us, you get the security of • Fixed copayments for most
comprehensive health care coverage along with a comfortable monthly services.
plan premium. • A wide range of covered
Our HMO plan includes a $1,000 deductible for individual applicants and services.
$2,000 for families. You pay a fixed copay of $25 for primary care office • Lower costs by using
visits and preventive care, and $50 for specialist visits. Plus, a 30 percent in-network providers.
coinsurance for hospital services after your deductible is met. Just as with
• Your doctor to coordinate
our PPO plans, you have access to the In-Store Health Care Clinics.
most of your health care needs.
• No claim form filing.
• Worldwide emergency
HIgH dEduCTIBLE ppO pLANs
WITH TAX sAvINg OppORTuNITIEs
Health Net’s HSA-compatible plans work just like our PPO plans – you
choose whether to see a provider in our network or go to an out-of-network
licensed physician or health care professional. When you go out-of-network,
you usually pay more for the services you receive. Either way, you don’t
need a referral from your doctor to see a specialist or go to the hospital.
HSA-compatible PPO plans are different in that the deductible is higher
but you spend less on monthly premiums. Here are some key facts to know
about our plans.
• HSA-compatible plans have combined medical and pharmacy deductibles.
This means that you pay the full cost of prescriptions and medical care (at
Is A HEALTH NET HsA- our negotiated rate) until your annual deductible has been met.
COMpATIBLE pLAN RIgHT
FOR yOu? • The deductible for preventive care benefits is waived for the first $500
Yes, if you want: (in-network only).
• Freedom of choice, no Plus, you can open a health savings account (HSA) and use tax-free
referrals required. dollars to pay for qualified medical expenses.2 Other HSA advantages
• Access to in- and out-of- include the following:
network providers – your costs • You have complete control over your health care dollars.
are usually lower when you
use our in-network providers. • Contributions (up to the IRS maximum) and withdrawals are tax-free
when used for qualified medical and pharmacy expenses.
• Broad network access
throughout Arizona. Plus, • HSA funds can be invested and investment earnings are non-taxable
when traveling, you’ll have when used for qualified medical expenses.
access to more than 8,000 • It offers long-term savings, rollover features (no time limit for using the funds)
hospitals and 525,000 providers and catch-up contributions for insureds between the ages of 55 and 65.
available nationwide through an
arrangement with First Health®, HsA-COMpATIBLE ppO pLAN CHOICEs
a national PPO network. These plans work well for people who want protection against the
unexpected and more control over their own health care dollar.
• Time saving convenience – no
claim forms to file when you With our HSA-compatible PPO Plans you have three deductibles to choose
use in-network services. from starting at $2,000 for individual applicants up to $5,000 for a family.
After you meet your calendar year deductible, in-network benefits are paid
• Tax-savings advantages of a
at 100 percent. Plus, you have immediate coverage for preventive care
health savings account – a
services. You also have access to the In-Store Health Care Clinics.
smart way to save, spend
and invest your health care 2A full list of qualified medical expenses can be found at www.irs.gov. This brochure
dollars.2 provides general information only. For more information about the tax implications of
an HSA or HSA program, contact a professional tax advisor.
If you’re looking for dental and vision coverage, we’ve got it here. Health Net’s
Optional Voluntary Dental & Vision Plan is available to members enrolled in a
Health Net Individual & Family medical plan. For just $19.53 per person per
month, it’s a great way to round out your health coverage.
dENTAL COvERAgE BENEFITs:
• Choose your own licensed dental provider – no need to stay within
• Flexibility – no referrals to see specialists
• Added savings – your $50 deductible is waived for diagnostic services
vIsION COvERAgE BENEFITs:
• Low copayments for vision exams and lenses and allowances for
• $120 retail plan allowance on frames
• Freedom to choose licensed vision care providers both in- and
• Large network of independent providers, including optical retailers
LensCrafters®, Pearle Vision, SearsSM Optical, Target Optical® and
Ask your broker for more information and for a copy of our Health Net
Individual & Family Plan Dental & Vision Coverage brochure. Go online
to www.healthnet.com to find dental and vision providers in your area.
Life insurance is one way we protect the people we care about the most.
For that added peace of mind, you can purchase Individual Term Life
Insurance from Health Net Life Insurance Company. You must be
enrolled in a Health Net Individual & Family medical plan to purchase
individual term life insurance.
You have a choice of four coverage amounts for policies that cover you
and your spouse. The monthly premium is based on the age of the person
covered by the life insurance policy.
See the chart below for monthly rates.
Monthly terM life insurance rates
Primary Cost for Cost for
Cost for $1,000 Cost for $15,000
Insured’s Age $30,000 $50,000
19-29 $0.19 $2.85 $5.70 $9.50
30-39 $0.22 $3.30 $6.60 $11.00
40-49 $0.50 $7.50 $15.00 $25.00
50-59 $1.37 $20.55 $41.10 $68.50
60-64 $2.00 $30.00 $60.00 $100.00
Here are a few things you should know:
• If you wish to purchase life insurance, you must purchase a minimum
of $15,000. The maximum life insurance benefit is $50,000.
• Coverage can be purchased for both you and your spouse.
• Term life insurance coverage is only available to individuals 19 years of
age or older.
• If you purchase life insurance coverage, be sure to fill out the
beneficiary information found on the enrollment application.
• Your coverage will become effective once you’ve been approved by
Health Net Life Insurance Company.
Individual term life insurance is underwritten by Health Net Life Insurance Company.
dECIsION pOWER sM
HEALTH IN BALANCE
INFORMATION, REsOuRCEs ANd suppORT
FOR EvERy pERsON, EvERy sTAgE OF HEALTH
When you choose Health Net, you
get more than health care coverage.
You get Decision Power.
Decision Power 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. Here’s how it works:
sTAyINg HEALTHy Is yOuR HEALTH, Log on to www.healthnet.com:
jusT As IMpORTANT yOuR TIME, Take the Health Risk
As gETTINg WELL. yOuR CHOICE. Questionnaire (HRQ) – with
Making the most of your health is
Whether you… its instant results and interactive
what Decision Power is all about.
• have a question features, the HRQ is your gateway
We’re focused on your whole
to recommendations and resources
health, not just one concern or • want to help with a specific
based on your unique health profile.
disease. So we work with you health goal
to identify potential health risks • need treatment but want to Try a step-by-step plan for
and help prevent minor concerns understand all your options losing weight, stopping smoking
from becoming big problems. And or boosting nutrition. You can
• are living with illness
we’re here should you face serious start with our online coaching and
medical concerns. …you choose how and when self-help tools. Phone coaching
to use the information, resources support is included so making
and support available. You can lasting, healthy changes is easier.
use Decision Power online or
Set up a Personal Health Record
by calling a Health Coach. Try
(PHR) to track your health
multiple resources at once, or one
progress and have a complete
at a time. 24 hours a day, seven
medical snapshot whenever you
days a week, Decision Power is
here for you.
Decision Power –
use it whenever and
as often as you like.
Because when it
comes to your health,
there’s more than
one right answer.
Find support for any kind of Steps to avoid cardiometabolic dOCTOR-pATIENT
mental health concern such as risk – the combination of three or CONNECTION.
depression, excessive alcohol use more of the six risk factors (e.g., Doctors know medicine. You
and eating disorders. waist size, blood pressure, HDL know your body. With Decision
cholesterol level) that predict Power, it’s easy to learn what
Be informed – access information
diabetes, heart disease and colon, questions to ask, how to explain
resources, such as Healthwise®
uterine and prostate cancers. your preferences and to get the
Knowledgebase, an online
support you need from your
health encyclopedia; HEAR® 24-hour answers to health
doctor. The more you know, the
Audio Library, which contains questions or concerns. Always
easier it is to navigate complicated
information on 355 health topics; call 9-1-1 or go straight to
health choices and make the ones
and Health Crossroads® Web the emergency room in a life-
that are right for you.
Modules, which explain the pros threatening situation.
and cons of various treatments.
Pointers for setting achievable
Know your numbers with our health goals; guidance on
health trackers (cholesterol, diet, evaluating treatment options.
fitness), treatment cost estimator
Guidance and support for living
and hospital comparison reports.
with an ongoing illness such as
Talk to a Health Coach to get: asthma, diabetes, heart disease, etc.
1-to-1 consultations and a single Specialized consultation from
point of contact for any and every nurse case managers to help both
health question, goal or situation. patients and family members deal
You can talk to the same Health with the complexity of end-stage
Coach every time you call, and illnesses.
about any health goal or challenge.
Health care is about more than My Claim History – you can QuICk LINks:
just health care benefits. It’s about view prescription claims history jusT CLICk ANd gO
giving you the tools and support and medical Explanation of Using the Quick Links featured to
you need to make the most of your Benefits (EOB). You can even go the left of the page, you can find
health through every stage of life. paperless by updating your a pharmacy, print temporary ID
EOB document delivery process cards, change your primary care
at www.healthnet.com. physician or view benefit details.
Once you enroll with Health Net, Decision PowerSM Health & My HEALTH NET:
you’ll have a go-to online resource Wellness – the connection to AT yOuR FINgERTIps
for your health plan information – member discounts, wellness Exclusively for members,
quick and easy. programs, hospital and medical My Health Net is a personal menu
group comparison tools, treatment of the information you use and
MENu OF CHOICEs
cost estimator and more. need most. It takes you right
My Medical Benefits – includes where you want to go with just a
your specific benefit details and prior Doctor & Hospital Information
click of a mouse.
authorization list. – search engine locates specific
doctors, the nearest hospital or Healthnet.com – the source for
My Pharmacy Benefits – the all things Health Net and an easy
specific services. Visual maps show
place to manage prescriptions and way to get more done fast!
the precise location of the office or
view your medication history,
order prescriptions by mail, see our
Recommended Drug List, and more. Manage My Account – you
can change your PCP, get ID cards
and forms, manage your account
details and view medical treatment
Just as we are committed to our customers’ well-being, we are equally committed to our environment. Throughout this
brochure you will see the Health Net leaf icon representing how we have eliminated a paper process and created the
same function online.
FOR HEALTH NET
HOW TO AppLy
3 EAsy sTEps
TO A BETTER dECIsION
Applying for Health Net Individual & Family Plan coverage is as easy as IF yOu HAvE
1. Apply online at www.healthnet.com > Enroll Now > Arizona pLEAsE CALL yOuR
or through your authorized broker.
Note that the application MUST be completed, signed and dated OR HEALTH NET OF
by the applicant even if you’re working with a broker. Neither the
broker nor any other person may complete or sign the application and
agreement on behalf of the applicant(s). & FAMILy pLANs
After your application is complete:
• Include your payment for the first month’s premium amount by
check, automatic bank draft or credit card.
• Mail the completed application and check (within 30 days of the date
you signed the application) to your broker or directly to Health Net at:
Health Net Individual & Family Plans
1230 W. Washington Street, Suite 401
Tempe, AZ 85281-9603
2. You’ll receive notification of the underwriting status of your
application. Health Net Individual
• o not cancel any other coverage you may have until you receive
& Family Plans
approval of your application in writing from Health Net’s
3. Once approved, look for your Health Net ID card and plan
materials to come in the mail. Then enjoy the benefits of
membership – large doctor networks, personal service and
pROTECTINg yOuR HEALTH PPO Plans Precertification is required Skilled nursing coverage is limited to 60 days
INFORMATAION for certain services. Failure to obtain per calendar year.
Once you become a Health Net member, precertification will result in a reduction
Expenses you incur for the following cannot be
Health Net uses and discloses a member’s in benefits. For a comprehensive list of
used to satisfy the out-of-pocket maximum:
protected health information for purposes of services requiring precertification see the
failure to follow prior authorization/
treatment, payment, health care operations, Policy. Services that must be precertified
precertification guidelines, mental illness,
and where permitted or required by law. include, but are not limited to: Hospital
substance abuse, infertility, use of emergency
Health Net provides members with a Notice inpatient admissions (non-emergency,
room for non-emergent care, prescription drugs,
of Privacy Practices that describes how it uses including acute, subacute or rehabilitation),
copayments, limitations, exclusions. Check your
and discloses protected health information; hospital observation stays (less than 24
Evidence of Coverage or Policy.
the individual’s rights to access, to request hours), mental health and substance abuse
amendments, restrictions, and an accounting inpatient admissions, skilled nursing inpatient Pre-existing Condition Limitation (PPO Plans
of disclosures of protected health information; facility admissions, transplants/transplant only): Expenses for conditions for which a
and the procedures for filing complaints. services, select outpatient procedures, select member received any medical advice, diagnosis,
Health Net will provide you the opportunity rehabilitative programs and therapies, select care or treatment during the six (6) month
to approve or refuse the release of your durable medical equipment, home health care period immediately preceding the member’s
information for non-routine releases such services (including home infusion therapy), effective date of coverage will be excluded from
as marketing. Health Net provides access non-emergent ambulance and transportation coverage the first 12 months of enrollment.
to members to inspect or obtain a copy of services, prosthetics, oncology services, High-Deductible PPO Plans Preventive
the member’s protected health information in podiatry services, sleep studies, oxygen and health care services are defined as routine
designated record sets maintained by Health Net. related breathing equipment, epidural steroid physical, pap smear, mammography and PSA
Health Net protects oral, written and electronic injections, magnetic resonance imaging (MRI), screenings. For a complete list see Policy.
information across the organization by using computerized axial tomography (CAT),
reasonable and appropriate security safeguards. positron emission tomography (PET) scans,
Health Net releases protected health information magnetic resonance angiography (MRA), self-
to plan sponsors for administration of self- injectable medications (except insulin), select
funded plans but does not release protected in-office pharmacy injectables.
health information to plan sponsors/employers Coverage for maternity services is limited to
for insured products unless the plan sponsor is complications of pregnancy.
performing a payment or health care operation
function for the plan. HMO and PPO Plans The following
services and/or procedures are either limited
EXCLusIONs ANd LIMITATIONs in coverage or excluded from coverage under
The exclusions and limitations presented in this these health plans. These services include,
enrollment brochure are not comprehensive. but are not limited to: Comfort/convenience
For a full list of exclusions and limitations see items, hearing aids, cosmetic surgery, court
the Evidence of Coverage for HMO Plans or ordered care, custodial care, experimental/
Policy for PPO Plans. You may obtain a copy investigational procedures and drugs, gender
of these documents prior to enrolling or at any alterations, infertility services, inpatient mental
time by contacting us at 1-888-463-4875. health services, long-term rehabilitative services,
Exclusions and limitations include but obesity, paternity testing, radial keratotomy,
are not limited to: substance abuse treatment programs, mail
HMO Plans Hospital and professional services order prescriptions, employment counseling,
for a normal delivery are covered only for exercise programs, fraudulent services, missed
expectant members who have been enrolled appointments, temporomandibular joint
for 21 consecutive months when delivery disorder, vocational programs. For a complete
occurs. Hospital and professional services for list, refer to either the Evidence of Coverage for
members who have been enrolled less than 21 HMO Plans or Policy for PPO Plans. In- and
consecutive months are limited to prenatal out-of-network benefits are subject to deductible,
care, after 12 months of enrollment, and then a percentage of eligible medical expenses.
complications of pregnancy, as defined in the All drugs covered by your outpatient prescription
Evidence of Coverage. benefit are placed in one of four tiers on the
With the exception of emergency care and Preferred Drug List (PDL). The lower the tier,
direct access benefits, all services and items the lower your copayment. The Health Net PDL
must be provided or arranged by your primary is a listing of covered medications. Some drugs
care physician. Selected services require on the PDL may require prior authorization from
authorization by Health Net of Arizona, Inc. Health Net. Prescriptions are limited to a 31-day
supply. Other quantity limitations may apply.
FOR MORE INFORMATION, CONTACT
Health Net of Arizona, Inc.
1230 W. Washington Street, Suite 401
Tempe, AZ 85281-2145
Customer Contact Center
Monday - Friday, 7:00 a.m. to 6:00 p.m.
Hearing Impaired Assistance
Monday - Friday, 7:00 a.m. to 6:00 p.m.
You have access to Decision Power through your current enrollment with any of the following Health Net companies: Health Net of Arizona, Inc.;
Health Net Life Insurance Company.
In Arizona, benefits are underwritten and/or administered by Health Net of Arizona, Inc., for HMO plans and Health Net Life Insurance Company
for indemnity plans and life insurance coverage. Decision PowerSM is not part of Health Net’s commercial medical benefit plans nor affiliated
with Health Net’s provider network and it may be revised or withdrawn without notice. Decision Power services, including Health Coaches, are
additional resources that Health Net makes available to enrollees of Health Net of California and Health Net Life Insurance Company.
6020292 AZ62296 (10/09)