HealthNet offers some great health insurance options to individuals in the states of Arizona, California, Oregon and Washington. They provide a variety of fairly priced and quality coverage through HMO, PPO, and HSA plans, which are defined below:
- Health Maintenance Organization (HMO): Simplified and efficient, one physician organizes all of your health services under an HMO plan. Expenses for services are usually fixed, which also makes for easy medical care. All types of care are accessible through HealthNet’s in-network providers.
- Preferred Provider Organization (PPO): For those who are willing to be charged more for licensed doctors and professionals, PPO plans make it possible to be selective. You are allowed to make appointments with specialists without a referral from your primary care physician. Therefore, you are given the option of receiving care in-network or out-of-network.
- High-Deductible Health Savings Account (HSA): The high-deductible plan under HealthNet is a PPO plan that gives you the opportunity to connect an HSA, saving funds for medical use. There is a high deductible for pharmacy and medical services, with the benefit of putting money towards future health care expenses.
Depending on the state where you live, the plans and availability of options will vary. Other options include QuickNet, which is only available in Oregon, for temporary medical coverage under an HMO or PPO.