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The Value of Health Coverage

10 Reasons Why Health Coverage is Important

Starting in 2019, you will have new options when it comes to having health coverage. At Health Net, we’re here to remind you that investing in health coverage is more than just a good idea. It can make a difference in your physical and financial wellness. As a Health Net member, you already know how valuable it is to be covered. Maintaining your membership allows you to keep getting all those benefits!

With Health Net health coverage, you can…

1. Trust your good sense.
Keeping your health coverage is the smart thing to do. It can help you protect your health and your money.

2. Find coverage options to fit your budget.
Health Net health plans come in all shapes and sizes. From lower-premium high-deductible individual options to plans designed for families – we have California covered. We can help you review your current health coverage to help make sure it’s still the best match for you and your family.

3. Help cover yourself against financial surprises.
Health coverage is generally more affordable than the high price of serious injury or illness. A broken leg can cost thousands of dollars to fix, and a three-day hospital stay can cost about $30,000.[1] Unexpected medical expenses can go up fast.  

4. Be prepared for the unexpected.
Nobody plans to get sick or injured, but it happens. Having health coverage can help give you priceless peace of mind and puts the Health Net team in your corner, just in case.   

5. Use the ER for emergencies only.
People without health coverage often go to the emergency room for care. Sometimes, it’s because they don’t have a regular doctor. Other times, it’s because a health condition has gone untreated and has become serious. Either way, the ER is an expensive and time-consuming way to get care for anything other than emergencies. Health coverage helps you manage health concerns so they’re less likely to become emergencies. Plus, Health Net health plans offer more affordable and convenient ways to find care in non-emergency situations – like urgent care centers, the Nurse Advice Line and more! Remember: you’ll usually pay less out-of-pocket when you use options and providers that come with your health plan’s network. So check your Care Key to see the many ways to get care!

6. Help maintain your long-term health.
Health coverage can help you stay healthy over time. Preventive care, screenings, vaccinations, prescription drug benefits, emotional wellness, and “healthy habits” programs are built into every Health Net health plan. Plus, if you do develop health concerns, they’re more likely to be found and treated early when you’re getting regular check-ups and screenings.

7. Stay connected with your health care providers.
Having health coverage can help you start and maintain relationships with the doctors, nurses and other providers who make up your Health Net health care team. Studies show that people with health coverage are more likely to have a doctor they see regularly, which means a higher chance of getting care when it’s needed.[2] And the network that comes with your Health Net health coverage has a variety of providers you can connect with for primary and specialty care.

8. Get fit, lose weight and quit smoking.
There are lots of extras that come with Health Net health plans – all designed to help you meet your health goals. You have access to discounts on gym memberships, free weight-loss coaching, help to kick the smoking habit, and more.

9. Get all 10 essential health benefits.
The law still says that every health plan for individuals and families must offer 10 essential health benefits. All Health Net options include these coverage categories:

  1. Ambulatory patient services (outpatient care)
  2. Emergency services
  3. Hospitalization
  4. Maternity and newborn care
  5. Mental health and substance use disorder services
  6. Prescription drugs
  7. Rehabilitative and habilitative services
  8. Laboratory services
  9. Preventive and wellness services and chronic disease management
  10. Pediatric services, including oral and vision care

10. Stay in the family.
Renewing your membership with Health Net keeps you in the big, healthy Health Net family. And we are serious about taking care of each other.

Download The Value of Health Coverage (PDF)

 


Health Net CommunityCare HMO and PureCare HSP plans are offered by Health Net of California, Inc. Health Net PureCare One EPO insurance plans, Policy Form #P34401, Health Net IFP PPO insurance plans, Policy Form #P30601, and Health Net EnhancedCare PPO insurance plans, Policy Form #P35001, are underwritten by Health Net Life Insurance Company. Health Net of California, Inc. and Health Net Life Insurance Company are subsidiaries of Health Net, Inc. Health Net is a registered service mark of Health Net, Inc. Covered California is a registered trademark of the State of California. All rights reserved.

[1] https://www.healthcare.gov/why-coverage-is-important/protection-from-high-medical-costs/

[2] https://archive.ahrq.gov/consumer/insuranceqa/insuranceqa3.htm