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June 08, 2007

Health Net of California Redefines "Consumer-Directed Health Plans"

Building on the historical strengths of the California Health Maintenance Organization (HMO), Health Net of California is launching a plan that combines the affordability and focus on preventive care of the traditional HMO with the innovative tools and health education components of a "consumer-directed" plan.

"Health Net's Optimizer HMO is a consumer-directed plan with no deductible that provides tools to help make better health care decisions and incentives for demonstrating healthy behaviors," said Stephen Lynch, president of Health Net of California. "And because we know that those who make smart health care decisions spend fewer health care dollars, Optimizer HMO can cost significantly less than existing traditional HMOs."

Commenting on the Optimizer HMO, Peter V. Lee, chief executive officer of the Pacific Business Group on Health, a coalition of employers seeking to improve the quality, availability and affordability of health care, said, "We applaud efforts to build on the strengths of California integrated medical group models by bringing innovative benefit designs that focus on wellness and health improvement, rewards for healthy behaviors and risk reduction."

The Optimizer HMO comes with a Health Reimbursement Arrangement (HRA) allowing employers to provide accounts their employees may use to cover their out-of-pocket medical expenses using a special debit card. Members may easily track their HRA balances and out-of-pocket expenses online.

In addition to helping customers optimize their health care spending, the Optimizer HMO rewards healthy behavior. Customers receive $100 in their HRA if they complete a health risk questionnaire that provides a snapshot of their current health status, and an additional $100 if they have called a health coach through Health Net's Decision Power(SM) program within six months prior to a hospitalization.

Decision Power tools - including health coaches - educate customers about the full range of possible medical treatments and procedures so they may work more closely with their physicians in making health care decisions. Filling out the health risk questionnaire enables customers to access information on health improvement, maintain personal health records, and obtain information on health topics of the individual's choice.

Click here for your free California Health Net quote now!

Posted by healthinsurance at June 8, 2007 12:36 PM