NEWSROOM

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