Health Net Reviews

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About Health Net

Pros
  • Affordable premiums for coverage
  • No deductibles for doctor visits
  • Reliable claims processing
  • Good access to primary care
Cons
  • Poor customer service experience
  • Long wait times for assistance
  • Limited provider network options

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Health Net Reviews

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    How do I know I can trust these reviews about Health Net?
    • 4,889,230 reviews on ConsumerAffairs are verified.
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    • Our moderators read all reviews to verify quality and helpfulness.
    Page 1 Reviews 0 - 10
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    Customer ServiceCoverageStaff

    Reviewed April 10, 2026

    I've wasted enough time navigating this insurance so not going into detail about the terrible service. In essence, can't find anyone in network in my area. Phone calls have been on average 2 hours with no resolution. Those I've interacted with have been robotic in their communication. For ex: RN via nurse line: "you should go to urgent care", me: "okay, what are my in-network options based on my area", RN: "I wouldn't be able to tell you that, m'am". Me:"...." What is the point of this conversation. Wasted my time to receive no assistance from their provided phone line

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    Customer ServiceCoveragePriceRefunds & PayoutsMaintenanceStaffResolution

    Reviewed March 27, 2026

    If I could give 0 stars, I would. For a long time, I dealt with constant issues—doctors’ offices couldn’t verify my insurance, even though it was active. I had to repeatedly call in front of staff just to prove my coverage, which was incredibly frustrating and embarrassing. Their online system never worked, and tech support couldn’t fix it. I couldn’t login to my account. It was showing that my card was not active on my end. The tech support couldn’t fix the issue either.

    In January, I canceled my plan and enrolled in a new one. I was charged, but never received any documents, card, or access. On top of that, I was also charged $850 for the old plan after it was supposedly canceled. I canceled everything again in February after not receiving any documentation on new plan whole month after I was charged for, and was promised a refund—first by March 14, then March 23. Still nothing. Now they say they’re “investigating” again with no guarantee of a refund because on their end it was showing that insurance was active. How convenient! Active on their end but not on my end. I was charged for services I never received. Completely unacceptable.

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      Customer ServiceCoveragePriceOnline & AppRefunds & PayoutsStaff

      Reviewed March 13, 2026

      Not sure how to keep this objective but I will try. PRESCRIPTION SERVICE. I was transitioned to Heath-Net as my employer were trying to cut HealthCare costs. And it certainly shows. When I presented my insurance cards to the pharmacy, they declined saying there were issues with the coverage. I paid $300 and was told I would be reimbursed. 2nd month (after numerous emails and Customer Service calls to and from Salt Lake and Mexico) the card was declined. A friendly pharmacy assistant got the cost to $70 that time. I had been told my co-pay was $20. Month 3 I paid my co-pay only. At last.....not even close.

      I submitted claims for my overpayments supplying the information requested. Not an online service.....had to mail the claims out of state. Heard back today that they have no information of the pharmacy making claims. What part of I paid out of pocket is so hard to understand? They now tell me the receipts MUST have Pharmacy Name, Phone number, claim date of service (no claim made as I paid cash) prescription number, NDC (National Drug Code) number, quantity, fill number, Doctor name, amount paid. WEBSITE. Unable to do anything on the website, every clickable link takes you outside their website. COMMUNICATION. Absolutely deplorable. They do not listen to you at all. I have to stop here because I need medicine for my blood pressure and I know it will be declined....

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      Customer ServiceCoverageOnline & AppStaffBilling

      Reviewed Feb. 18, 2026

      Health Net's app doesn't work - says it will send confirmation email and never sends it - So HealthNet app is worthless. The website says the same thing and doesn't send security confirmation email either - so it's worthless too. You have to call to get information and most of the reps have no clue how to find your medical invoice even if you give them the claim #. I had to call UCLA to verify they send the bill to Health Net and they confirmed it was sent, then I had to call HealthNet again to find the claim. The second rep located it after the first HealthNet rep couldn't find it. I've been on the phone now for 45 mins just to confirm a medical bill was sent. If the insurance company is looking to make money their system needs to be overhauled - the fact that a simple app or website doesn't function correctly is absurd in 2026. I would not recommend this group!

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      Customer Service

      Reviewed Feb. 12, 2026

      This company is HORRIBLE in it's rendering services needed. The deny your surgery even after you appealed it and then they call you to tell you what you should do to get an approval. Complete insanity. Stupid is the way to put it. Stay away.

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      Punctuality & SpeedStaff

      Reviewed Feb. 9, 2026

      I have stage 3 melanoma cancer that's spread into my Sentinel lymph nodes. First thought I had cancer in February 2023, went to the doctors and it took me 7 months for one of their doctors to do a biopsy and find out what it was. 7 months of referral. 7 months of trying to get approval. 7 months of wasted time. Since that experience that did nothing but delay every single procedure and deny the appropriate doctors to do the correct procedures. Wasted bureaucracy trying to shuffle me around in the name of saving money when they really don't save money. So much waste, yet such horrible service for the patient. This company is should have a fast track process for people with terminal or possible terminal type diseases but they don't. It is a week here a month here two months there for a referral. It's ridiculous.

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      Customer ServiceCoveragePunctuality & SpeedStaff

      Reviewed Jan. 19, 2026

      I'd I could give a zero I would. The single most aggravating and frustrating people, yes people I have ever dealt with. Called and left 5 messages with no indication of what they wanted, basically a marketing message, which is fine, but they left multiple messages. I called back to what I was led to believe was a 3rd party company asking me for MY information. I tried multiple times to see who they were (the company calling me asking for my info when I called them back). The person couldn't tell me, so I said, do you work for Healthnet or Covered California to which they replied no.

      In addition to that, they had no idea why "they" were calling me. At the end of the day, this "company" actually owns covered California. It took 30 minutes of my life I'll never get back to find this out. In addition to this at the end of the 30 minute call, the representative STILL could not tell me why they called me non stop and left multiple messages. Seriously ridiculous with no regard to my time, my life and least of all my health. I need to make an appointment with a therapist at this point, so maybe it IS a marketing scheme after all.

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      Customer ServiceSales & Marketing

      Reviewed Oct. 29, 2025

      Health Net continues to call my mom, despite her asking them to stop calling her. They offered her $900.00 a month in food stamps if she would switch from Molina to Health Net. They asked her for last 4 digits to her social security number and Molina Card number to confirm what services she was receiving. My mom said, "no" that she was not providing her last 4 numbers to her social security number and her Molina card number. Despite my mom saying no, multiple times, the Health Net person was pushy and continued to request this information. My mom told them to stop calling her, she was not interested in anything they had to offer and eventually, just had to hang the phone up. Sounds like a scam.

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      Customer ServiceOnline & App

      Reviewed July 29, 2025

      Health Net has to have the worst website ever! They send an email stating they sent a notice, and to log into my account to view it. So I log in and there is no notice to view. Don’t try searching because that will only lead frustration. So why are they allowed to operate such a horrible website? Especially in the land of California? Because California likes frustrating the people just look at their websites! I would not recommend them for anything.

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      Customer ServiceCoverageSales & MarketingRefunds & PayoutsStaff

      Reviewed July 16, 2025

      I called Health.net to see about my benefits and to see about my coverage and everything and when I answered when they answered the phone they said that I qualified for a $100 Walmart gift card, I would have to talk to a live representative. They put me through to the live representative and the first thing he asked me for was the first nine digits of my checking account number so that he could forward me the $100 to use at Walmart. What a scam. Oh my God. No I did not give him check number or my routing number to my checking account. I cannot believe what a bunch of BS that is

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      Health Net author review by Joseph Burns

      Health Net offers coverage to people in Arizona, California and Colorado. It is a California Market Plan associate, which means that low-income patients in California can get discounted insurance via Health Net under ACA rules.

      • Choice between HMO and PPO plans: Consumers have the ability to decide whether they want an HMO plan, which offers a limited amount of in-network doctors, or a PPO plan that gives them access to more doctors.

      • An ACA Health Insurance Marketplace company: Under the Affordable Care Act, or ACA, every state must offer low-cost health insurance through either its own Health Insurance Marketplace or the federal Health Insurance Marketplace. Health Net is affiliated with the ACA Health Insurance Marketplace, which means consumers can expect lower costs and the ability to use tax credits to cover part or all of their premiums.

      • Large variety of plans: There are lots of plans available, including Medicare coverage and coverage for students.

      • Customer service: Although Health Net offers round-the-clock customer service, the sheer number of people calling in may lead to long wait times.

      • Deductibles: Health Net’s low premium rates often mean high deductibles.

      by Joseph Burns Health Insurance Advisor

      An independent journalist, Joseph Burns is the health insurance topic leader for the Association of Health Care Journalists and contributes to AHCJ’s Covering Health blog. He has also written about health policy and the business of health care for a wide variety of publications, including Healthcare Finance News, Hospitals & Health Networks, Managed Care magazine, Ophthalmology Management, TaxACT.com, and The Dark Report.

      Health Net Company Information

      Company Name:
      Health Net
      Website:
      www.healthnet.com