Health Net Reviews

It took weeks and weeks to get this straightened out! Finally they had to retroactively have me starting in January. Then OMG the doctors on this HMO. I swear to God they used rusty utensils. It was the worst collection of doctors imaginable. Sadly I ended up having a miscarriage which involved the aid of a doctor. I saw this doctor twice and after the second visit I needed a follow up per their request. When I went in for the appointment the doctor I had seen twice told me I needed to be referred by my primary care physician. Even though I had already been there twice and didn't even have a primary care physician yet. The doctor told me, "I need to be paid!" Then the nurse told me that Health Net had not paid them yet. They openly discussed my miscarriage loudly in the waiting room. It was the most bizarre and uncomfortable thing ever.

I filed a complaint about this doctor through Health Net and posted a negative yelp review. One of the nurses must check yelp daily because they called me to yell at me about the review! Who does that!? How unprofessional is that!? Then this doctor proceeds to double bill me which Health Net does not believe me that I paid so I have to dig up bank statements to send to Health Net. Even after all this Health Net loses my May payment which I sent in the mail even though they cashed the check! So they cancel my policy even though I am pregnant again even though they charged me. They claimed non payment. It takes weeks to get resolved. Needless to say, I switched insurance. Stay away! BEWARE OF HEALTH NET!!

They sent in the authorization paperwork on May 1 and did not ever get a response from Health Net, so we started contacting them. They said the paperwork was filled out incorrectly and deemed it invalid, but didn't bother to notify us. (Apparently it has to be perfect and they won't contact you to adjust.) We asked for guidance on what they needed and they refused to give answers. We then asked for a list of specialists/providers in order to fill out the authorization properly but they refused to give us names or a list of providers in my network. Their website does not have ANY surgeons in my network.

Then they told me and my PCP that no prior authorization was necessary. Just to go ahead and get a referral in order to have a consultation with the surgeon. That still didn't work. We have gotten so many different answers. Finally we received a list of providers 5 weeks after constantly calling. This was a list of possible surgeons. We had to call each provider to see if they actually take my insurance. The providers weren't sure so they needed time to contact Health Net. The providers also received the run-around from Health Net. No one has answers.

Each time I call, the wait time is about an hour and I speak with someone in member services that has NO IDEA about anything. I am placed on hold and still the answers are vague and incorrect. I am not allowed to speak with the authorization dept. directly. The insurance company continues to tell me that my PCP needs to make the phone calls but my doctor's office is completely lost too. They don't know who to talk to or how to get this process moving.

On top of it all, I got three bills in the mail. Two for the labs that were done and now the cost of my back X-Ray?!?! What's the point of insurance if when you have pain you can't work to diagnose the problem?? Now I'm in a panic at having to contact Health Net yet again for this billing issue. I would love to join in a class-action lawsuit against them for poor business practices, misleading information on benefits, and not looking into claims for procedures that are a medical necessity.

As for my Knees, the doctor want to try injecting some kind of grease to ease my pain, but now I don't know. The last conversation I had with Health Net after a month of having to wait for my May payment to post and that I have to wait another 72 hours for it to post. Can you believe that? After making me wait and promising me it will post for the past month, they want me to wait another 72 hours. I wish I could start over with another company. AHHHHHHHHH... Thanks for reading this. :)

So far I have submitted 11 claims and exactly 2 of them have been processed. It has been three months since I submitted some of these claims and they are supposed to process claims within 30 days. I know for a fact that they received some of these claims, because they were IN THE SAME ENVELOPE as the 2 claims they did process. It is obvious to me that they decided to stop processing my claims because I had reached my deductible and if they processed any more claims they would have to reimburse me.

It is not that they are denying my claims, they are completely ignoring my claims. I have submitted my claims two or three times and they have still not been processed. The customer service reps can never give me any information about why my claims are not being processed, they just tell me to resubmit. Health Net owes me about $1500 dollars. I need that money in order to pay for more health care. Given that, and given the amount of stress they have caused me, this so-called "health" insurance company is actually harming my health. I would gladly join a class-action lawsuit against this company.

It is now month 4 and they are threatening to cancel my plan due to non-payment even though I have paid the amount that I was told by Covered California. Then I went to get a prescription filled. This is where it gets even worse! My co pay should be $5 for generic and $50 for everything else. The pharmacy informed me that my insurance went through but that for some reason it was charging me $309 for the prescription!!! What?? I declined to pay it and called Health Net. The first guy I talked to after sitting on hold for 20 minutes told me that my deductible was $1000 and that I was responsible for anything under that amount. I had to explain to him that a deductible and a co-pay are two completely different things!!!!

Why am I, with no experience in the insurance industry, having to explain to this idiot something as simple as a co-pay and a deductible. He put me on hold at least 10 times to talk to "a supervisor". When I asked to talk to the supervisor myself the phone somehow got disconnected! Hmmm weird. I called back and waited on hold for another 20 minutes. The lady looked at my account and said, “Yes I see here your co-pay should be $50...” Weird the last idiot couldn't see that. She said I would have to contact CVS Caremark and that it was an issue with them. I then called CVS Caremark where I sat on hold for another 10 minutes to talk to someone... And she said something VERY familiar. "This is not a problem with us. You need to contact Health Net." Ugh!!

So once again Health Net sent me on a wild goose chase when the problem was with them. So I called back, and again waited for 20 minutes to talk to someone. The guy told me I needed to contact Caremark. Ummm I JUST got off the phone with them! He kept saying I needed to contact them. What does he not understand about I just called them and they told me it was a problem with HEALTH NET'S system!! Finally he said he would contact them with me on the line... Finally I thought we were getting somewhere. I waited on hold for 45 minutes. FORTY-FIVE MINUTES!! When he got back on the line there was also a lady from Caremark that said she would look into the issue and the guy from Health Net would call me right back. That was 3 days ago and I still haven't received a call back! I ended up having to go to a free clinic to get my medication.

What's the point in being forced to have health insurance or pay a penalty if I don't get it, and I can't even use it?? And to top it all off I just received another notice stating that I owe them more money because I'm not paying the right amount and I'm going to be terminated because they are STILL billing me for the wrong amount! I can't explain how infuriating it is to waste hours on the phone literally HOURS and get no result... Every single person I talk to says something completely different than the last person and they're always blaming someone else. And when I call them they always say the problem is with Health Net not them! And to make matters worse Covered California says I can't change my health insurance company until the next enrollment period which isn't until October. Sigh!

Week of April 9, I went on the Health Net website and tried to figure out how to pay my first premium payment. Their system wouldn't work. So I sat on the phone for an hour to talk to customer service. Talked to a representative that stated that there was nothing showing in the system for the new policy -- she told me to call the Marketplace. I told her I had just gotten off the phone with them and they stated that the issue was on Health Net's end -- she stated she was going to "escalate" my account issue to the escalation department and they would contact me within 5 days. I received no response (from anyone) after that.

So, I called Marketplace again -- representative stated that it was submitted to Health Net and maybe was still in process. To contact them. -- I told her I already contacted them. She told me that it was out of their hands and all they do is help people select an insurance policy.

I submitted another contact form the week of April 16 to inquire about status which stated on the web page that someone would respond within 24 hours -- I received no response.

On April 21, I logged into my Health Net account and saw that I had a policy with an effective date of May 1 now in the system. I submitted a contact form week of April 23 to try to obtain followup. I received no response. Called in to customer service on April 21 and spoke with a customer service agent named Emma **.

She stated that there was still nothing showing in my account. Told me that she was going to take "ownership" of this issue and would escalate my account again. That I would receive a response within 5 to 10 business days and that on the 9th day she would contact me directly to see if I had heard anything. She stated that based on the information I provided to her about the situation, I would still be within the law and my policy would not laps being that it was Health Net's fault. I asked her if she would please call me back (for sure) because I didn't want to have to sit on hold for over an hour again (which I had done 3 times). She said she would absolutely call me back. She never did.

On May 1, I received email notification messages stating I had secure messages from Health Net. I clicked the link and it asked me to login to my account. I tried several times and discovered that my account had been deleted from their system all together. I then received two more of those same emails and had the same results. I tried twice to call their customer service number and not surprisingly, the call wouldn't even go through. I tried. I really did. I am done.

Wonder if Obama Care will cut people like me some slack. LOL. I think that the Marketplace should have a rating system. In fact, I think consumer reports information should be pulled right into the Marketplace system so we can make more informed decisions.

In January we were rushed to sign up for a new health care plan because Health Net determined that we could not keep the PPO we had with them up to that point. Although it can be easy to blame the ACA for this need to change plans, it is clear to me that it was Health Net's decision to not modify our plan to abide by the new laws even though it was within their means to do so. With no advice or ability to speak to an agent who could provide us with suggestions with regard to what plan was best for us (due to an overwhelming of the phone and online systems at that time), we opted into a Health Net HMO, the IFP Community care Silver plan. The cost of this plan was more than double what we were paying before.

Upon receiving the details of our selected plan, we noticed that the PCP that we had been assigned was very far away from our home. Subsequently we contacted Health Net directly to change our PCP to one that is closer to our home. On the first call (where we were waiting on hold for approximately 140 minutes) we were told that we did not have authorization to change the primary care doctor for our 3 children who are all under 6 years old. When we asked to speak to a supervisor to resolve this clearly inaccurate information we were told there was not one available and when we persisted we were disconnected from the call.

We called back again later on that same day and were successfully able to change our PCP to Dr. **. My wife was experiencing terrible pain in her right forearm so we contacted the PCP 4 full business days after we changed to this PCP and were told that we could not make an appointment because we did not yet have our new insurance cards. When I asked George the receptionist if he could contact the insurance company directly to confirm that we had switched to this new PCP, he said that he did not have the time and he hung up the phone.

The following day, approximately February 5th, we contacted the office again to make an appointment for my wife and were able to schedule a visit for February 20th. At this appointment my wife waited for in excess of 90 minutes and then was seen by Dr. ** who examined her briefly and then indicated that she needed to so see a rheumatologist. George the receptionist indicated that he would send a referral to Dr Albert ** who we had seen before. The following day we contacted Dr. Albert ** to make an appointment based on this referral and were told that they had not received the referral.

We contacted George with Dr **'s office multiple times on that same day to confirm that the referral had been sent and each time he said it had and each time we called the rheumatologist they indicated that they had not received it. At one point he put my wife on hold and after 30 minutes she hung up, called back immediately and spoke to a different receptionist who indicated that George had gone to lunch. That's right, he put someone on hold and left the office for his lunch break.

After a few days of this confusion George told us that Dr. ** would provide us with a handwritten open referral that we needed to come and pick up from their offices and it would allow us to go see Dr. Albert **. We took this referral to Dr. Albert ** and they told us that they could not see my wife because Dr ** was not part of the same medical group and even if they were, they cannot except a handwritten open referral.

Then we began to contact other rheumatologists in the same medical group that our PCP was part of, the Direct Network Southern California Medical Group. Approximately 16 were listed on the Health Net website as being within 30 miles of our home and part of that medical group. I contacted every single one of them and they all told me that they were not a part of that medical group, in fact they all indicated that they had not even heard of that medical group. Further, most of them did not have appointments available for 6-8 weeks and in some cases more.

I got a Health Net customer service agent to assist me with this matter (who incidentally had no idea what a rheumatologist was or how to spell it or pronounce it properly) and during our 90+ minute telephone conversation she also contacted several of the rheumatologists listed as being all part of the same medical group and was given the same answer, that they were not part of it and had never heard of it. Her suggestion to me was to change medical groups.

I received reassurance from her and a supervisor that I spoke with that even if I changed medical groups then Health Net or the new medical group would be able to provide a referral and even though I was going to change PCPs because I was changing medical groups upon Health Net's recommendation, I would not need to go to the new PCP to get a new referral. Using this information and the written open referral from Dr **, we were able to make an appointment with Dr ** who is a rheumatologist in the Prospect Medical Group, the group we became a part of upon the suggestion of Health Net. Because we changed our medical group, we also had to change our PCP to Dr. **.

This change in medical group and PCP took place around the end of February or Early March with the appointment set with Dr. **'s office for March 25. We later were able to get an earlier appointment date of March 14. When my wife, went for this appointment on March 14th she was told by their office that she could not be seen because they did not receive the referral from Dr **'s office and did not receive approval from the medical group or from Health Net. They contacted Dr **'s office to inquire as to why a referral was not sent from them directly to the office and George the receptionist stated that he did not send it because the insurance company had not yet paid Dr. **'s office for Alejandra's initial visit.

Upon contacting Health Net they said that they were not able to provide approval to the rheumatologist directly, which completely contradicted what they had told me before, and that the medical group could provide me with that direct approval to the doctor. The supervisor that provided me with this instruction was named Christina and her ID number was given as **. This conversation took place March 14th between 840 and 915 am. At this point my wife is still waiting in the rheumatologist's office hoping that she can be seen.

I contacted a representative named Jennifer at our medical group, Prospect Medical Group. This call took place sometime between 9am and 945am on March 14, 2014. She indicated that they could not provide that approval to the doctor that my wife was waiting to see, again completely contradicting what we had been told by Health Net and by Dr **. I repeatedly requested to speak with a supervisor while I was speaking with Jennifer and was repeatedly refused. I was also told by Jennifer that her records indicated that we had always had our PCP as Dr ** with the Prospect Medical Group and there was no way that we ever had Dr ** as our PCP because that is the information on her computer and the Health Net system never makes error. Obviously that is wrong.

In our last attempt to get her seen by this rheumatologist, we contacted the new PCP that we selected when we changed medical groups. That PCP is Dr. **. We contacted them at approximately 10am on March 14th and explained the entire situation in an effort to get a referral. At the end of the explanation, the receptionist's response was verbatim, "What do you expect me to do about that other than nothing, because nothing is all I can do." I asked when we would be able to be seen by this new PCP as we urgently needed a referral to see a rheumatologist and we were told "late June". I was also told by this woman that I should contact the insurance company about this matter for them to resolve it.

Because of my wife's urgent need for care and the 6+ weeks that we attempted to be seen by a doctor, we ended up going to the emergency room on that day in order for her to be seen. This treatment of myself and my wife, the hours and hours spent trying to get basic medical attention and the abuse and anxiety that was brought upon us in an effort to get basic care that we are paying in excess of $700 per month for is not only unacceptable but shocking even by third world standards. Further actions will also be taken, although advice from state agencies and legal counsel will first be sought to determine what actions should be taken against Health Net, Prospect Medical Group, Dr. **, Dr. ** and Dr. **.

I then contact Health Net on February 3rd to find out why I had not received a bill yet and they state that the bills were sent late and to just make the payment whenever I received the bill. I received the bill on Feb 5th with the wrong premium. I contact their office to find out why it was showing the wrong amount. I'm told that they never received the information from Covered CA and that they cannot contact them over the phone, nor could they take any paperwork from me that showed the correct premium. It had to come directly from Covered CA. Mind you I sat on hold for over 3 hours just to get someone on the phone.

I contact Covered CA and sit on hold for 3 hours and 22 minutes before someone answers and they state that the information is correct in their system and that it was already sent over to Health Net several times and what more did I expect him to do. I told him his job and to contact them by phone to get this handled... He refused and told me to just fax them my Summary page. I contacted Health Net again and sat on hold again for an hour and 56 minutes. The person tells me they cannot accept any faxes from me nor can they log into my Covered CA account to see my information as it has to come directly from Covered CA. They file a report with their ACA department and said I'd hear back from them.

As of today... 33 days later, I still have not heard back from them. I had to file a grievance with the California Department of Managed Health Care in order for Health Net to get in contact with Covered CA to fix my premium issue and I was finally able to make my February payment on March 6th. They still have not address my mailing address issue and now they're saying Covered CA shows me as terminated for March and active for April. This doesn't even make sense. Why would someone terminate coverage for one month? They wouldn't. By the way, I never received notice of this.

I actually received a collection notice from Health Net saying I owed two months of the wrong higher due by March 1 or I was cancelled and I got this bill on March 3rd. They didn't even register my January payment when sending this bill. And their grievance department says they cannot cancel us for 90 days. Then why did I get a bill saying I'm canceled as of March 1st without payment. All they can do is apologize and refer every issue to ACA for it to not get handled. Now my husband is out of his narcotic medication due to a Covered CA and Health Net screw up and non-communication and he's going through withdrawals. He's the only one working right now in our family and is not able to continue to work going through withdrawals. So now he may lose his job because he cannot work and no one cares at either company. DO NOT CHOOSE HEALTH NET BECAUSE THEY DO NOT CARE ABOUT PATIENTS HEALTH!!!!

We are all going to die, very early with this deal to everything and do zip. Anyway My Primary referred me to a supposed member of my group for my hearing. I drove a long way to that one and was turned away even with a confirmed appointment from my Primary. They told me the Primary did not get an approval from Heath Net for a consultation, a consultation? That turned out to be a total lie. I really didn't know where to point the finger but I do now. Health Net. What a pathetic confused group of people who say yes and do nothing. I have has supervisors from Health Net tell me they were launching investigations and a lot more. They also told me numerous time they would call back. They know nothing and do nothing. They even screwed up everyone's billing.

I have a crushed hand, 3 bad discs in my back. Now on top of it a groin pull that has messed up my knee. And I'm getting worse. It's like a Mexican stand off by all of the RW Doctors who opted out and the Health Net Insurance Company whom has listed every doctor on their provider sites without the doctors signing up. So here I set. No Doctor, my hand is starting to get deformed. I'm contacting a lawyer as I paid Premiums, I'm under their care and getting none. I cannot work as well. Don't sign up with these losers. All they do is collect premiums. WE are being played for fools. Time for a Lawyer.

Their website doesn't work with the Chrome browser at all, so if you try to look up providers it once showed me NO providers available under my plan!!! That was how I wound up at an Urgent Care in the first place. When I emailed their tech support, I received an email back with a link to their "answer". The link does not work though!!!! So, you can never see their responses. I did finally get thru to someone in Tech Support after hours on hold. They told me that their website does not work with the Chrome browser and others sometimes have problems with other browsers. SHEESH!!!!!!!! What a mess!!! So far today I have been on the phone holding for their claims department for OVER 2 HOURS!!!! Yesterday they cut me off after 2 hours - I guess they will do the same today. What a worthless piece of crap insurance company!!!!!!

During our short stint with this self proclaimed health insurance company we had nothing but trouble with their billing. Many a time sending us bills 2 weeks after we had paid them already. An account was set up to have the amount taken out via auto pay from our bank... but good God that was always a mess on Health Net side. All we wanted was a flat cancel.

I am a broker, and the normal procedure is if it is required to have the client - Us, be sent an LPR requesting a flat cancel. We received nothing but a notice to sue and also a referral to a collection agency in February 20th, 2014. On February 21, we referred this to our company attorney and he notified the CA Dept of Insurance and the BBB as well as this action with Consumer Affairs.

My strong recommendation is that you do not go with this company for any reason. Telephone waiting time to even talk a single human being is over 4 hrs. And they state this while you are on hold. My issue is not resolved and will not be for several months with a collection action in progress due to this company's gross incompetence. Please do not for your sake ever do business with these people. No customer service and ability to talk with them on the phone.

We have demanded from our broker and Health Net the diary of communication between us and them and also between the Agency we dealt with and Health Net as well. No answer even to our attorney to date, February 24, 2014. Strongly suggest you always notify the Better Business Bureau, Consumer Affairs and also the Dept. of Insurance in California for any issues with this company. Read all the reviews on the web before you spend a dime in premium...

I hope this experience may be unique and an error was made in our case. If that is the case I will write Consumer Affairs and any other public domain to rectify this letter, complaint. But if Not, and this is not rectified by Health Net to your satisfaction then we will be posting communicating to the rest of the public on this matter weekly. This company needs to start handling business correct and ethically.

PS. When I tried to find the name and direct contact info for the CEO of this company I was refused and I was hang up on me by the telephone customer service rep after waiting for hrs on the line.

I've been on the phone with their "customer dis-service" each and every month trying to hold their hands through this simple task, which appears to be monumentally difficult for them. I might add they intentionally have all calls on hold a minimum of 15 minutes in hope that you will get frustrated and hang up. I see my only option as cancelling the policy and going with a competing company as I am tired of getting the run-a-round from this incompetent company. Anyone else out there with the same problem with this company?

On February 15th, I received a letter from membership accounting threatening to cancel my insurance. Since I mailed the February check as soon as I got the bill and knew they had cashed the check on February 11th, I knew the payment had been received. Here is what upsets me: Why wasn't my account flagged to show that they were behind in setting up the autodebit and the bill wasn't mailed out of their office in a timely manner? Yes, I did get my payment in within the grace period, but I should not have received this letter AT ALL. I realize I will need to pay my HealthNet bill online from now on, since I can't rely on anyone in their billing department to keep accurate records or even answer the phone. I don't think I can continue to go through this every month with them. I have always paid my bills on time and every communication from HealthNet now sends my blood pressure sky high. I feel helpless and frustrated beyond belief.

I switched primary physicians to a woman who works 8 hours a week, 8-12 on Wed., and Sat. She saw no need for me to see an ear nose and throat person, despite having had bronchitis for 5 weeks, and the fact that this happens to me annually. She recommended drugs for the toe. I asked about the effects to my liver, to which she was dismissive, and seemed to care only about the ascetics. But this is only the start of the nightmare. I contacted Health Net (minimum of 40 minutes on hold every ** time) and asked for a podiatrist. They gave me the run-around, and needed authorization from my primary physician. I insisted that the doctor had acknowledged my infection, to which they reluctantly gave me a name.

I went to that doctor, only to find out that they had no record of me, and that I could pay them $80, and 'try' to get reimbursed, but they wouldn't recommend it. I now had to call them again, and got one name, one name only in my area... I live in Los Angeles, you know, a small town. Anyway, I insist on a second one in case, I looked on Yelp and found the horrendous reviews that most of their physicians have. They fought me, I insisted on speaking to a higher up, they gave me a second name. Lucky, I thought, because I twice contacted their first person, to which I got instant voice mail during regular business hours, and no returned call, despite expressing pain, and infection. I called the 2nd one, and I felt so lucky, they picked up their phone. I made an appointment.

I then followed up by calling Health Net to confirm that I was good to go, they gave me clearance; great! Now I call the doctor back to get their Fax number, and they informed me that they hadn't been with Health Net for 2 years... I now got to spend another 40 minutes on hold to explain. They seemed perplexed and wanted a higher up to call me on Monday, I refused, and said that was not going to fly. I needed to have an appointment with a different doctor, and confirmed today.

Btw, I feel so badly for people who have any optimism and sweetness in them, for they would get strung along even worse than I. Long story short, I have an appointment with a doctor in Redondo Beach on Monday. For those of you unfamiliar with L.A., that is almost 30 miles from where I live, which btw, is a joke. There are easily 500 podiatrists within a 30-mile radius of Hollywood, CA, and I'm going to have to drive to Redondo Beach, and hopefully, there won't be another glitch. I'm done with these bastards after I get this procedure done, I wouldn't wish them on my worst enemy. I'm writing this after a long work day, in prayer that I save one person the plight I experienced.

Now I have to cancel my current HealthNet insurance, sign up again for the exact same health plan for the exact same money. Only this time I need to sign up directly through HealthNet instead of Cover Oregon. I don't get any subsidies and $350 is a lot of money. Apparently what HealthNet is doing in Portland is to send all their Cover Oregon patients to an organization called the Broadway Medical Group. I tried calling the Broadway Medial Group to get health care but they seemed understaffed and overbooked and are unable to set appointments in any reasonable amount of time.

HealthNet are apparently dumping all their Cover Oregon patients on the Broadway Medial Group, who in turn are refusing to see these patients. Then when HealthNet members try to change their PCP, HealthNet just refuses to do that too. I'm sure that there is some sort of graft, corruption, or payback and it is maddening to try and fix it.

And Health Net wants me to file a grievance for these doctors, because they tell me that they are under contract with them. They need to fix their out-dated internet page at provide doctors that will see their patient. It is now Feb 5, 2014 my pain is getting worse due to the lack of treatment and the only pain management doctor that was willing to see me that appointment took a month. Now he said it will take another 24 days to give me the epidural. This is insane... Why can’t they find me a doctor that will give it to me sooner. My pain is stopping me from doing my daily activities and I have to wear this neck collar every day.

It was only a few days after my coverage began, (Jan 1 2014) and Healthnet had already rec'd my first months premium. It was obvious that I had been assigned the wrong policy due to my location. I called Healthnet to try and get a different policy. They refused, saying I would have to keep the policy until the end of 2014, then I could change. I paid for Jan-Feb then gave up and unfortunately decided to wait til March when I am on Medicare to get the badly needed procedure done. How many other people got sucked in by the $0 deductible and are stuck with insurance they can't use? At least I had to only wait til March; I bet thousands are waiting til the end of the year! Healthnet is a BIG, BIG rip off. I will never deal with them again.

Later I called again to find out why my enrollment packet had not come. They said they were experiencing high volume of calls and so it is. As of today they claim my plan was cancelled. And where do I complain? Trapped in the maze, Covered California has equally high volume and sends you straight to the web page… and to do what? In the mean time I had an emergency and here I am, considered self-paid till these "workers" do their job and finally put the information where it belongs. I was an enthusiast of the Affordable Care Act till today. Honestly!

She had the nerve to tell my husband that there are others waiting in line with a fever. Clearly, she has no idea (due to her skills) what kidney stones are and the pain they cause. After that, they let us in and they ask the basic questions. I'm seen by a Mediterranean woman, little to no help. I'm then seen by an Asian woman and she helped us greatly. She sent us to the Hollywood Presbyterian ER (I was at Kaiser the previous night, no help) with a note to what to perform on me and the possible diagnosis from Kaiser. They treated me well and gave me a lot of morphine for the pain and a CT scan which did confirm a slow moving stone. Overall, I'm pleased with Hollywood Pres. Not Health Net providers.

When she called back to find out why her premium wasn't sent to her, she was informed that her Health Net was cancelled because of non-payment. She had been with Health Net for over 10 years always paid her premiums on time each month. When she tried to explain the situation to the rep, they told her sorry but there was nothing they could do. She would have to start up a new Health Net enrollment and then her premiums would be higher! I would like to see this resolved ASAP!

Called back the third time, waited for 15 minutes and finally another lady answered. She's now telling me I needed to put my father on the phone. I understand that you can't give out privacy information without my father's authorization but why would you not tell me that the second time that I called and asked you specifically what else do you need. When I asked to be transferred to a supervisor, this stupid lady hangs up on me instead. This is very annoying and why would you hire people who are not even knowledgeable enough to tell me that the second time that I called. This is unacceptable to be hanging up on customers. Your customer service really sucked.

Yesterday, I went to get some of my stomach meds filled and found that I have already reached their doughnut hole clause. IT IS JUNE 3, 6 months of coverage and already in the doughnut hole????? This is a first for me and I have been on a lot more meds in the past and NEVER reached a doughnut hole in any other policy. NOW WHAT?!!!! It is only June and I am out of coverage. Their rep on the phone seemed to somehow get great satisfaction in the fact that this WILL put me in the hospital very soon. Plus they pretend that they pay $975 for 90 pieces Aciphex (a 30-day supply) and that this fraudulent figure has put me in the red.

Oddly I was on Dexilant when I became involved with these guys that only cost them under $300 per month and although that is what my doctors requested as proper treatment for my condition, they refused to cover these drugs at a reasonable cost and forced me onto Aciphex that cost them 300% more than what I was taking. Oddly also is the fact that if you go to their website, you will not find any reference to a doughnut hole or how much money has to be spent to reach it. This is some kind of a scam and it's leaving thousands of people without coverage. I also found out that this is really MEDICAID masquerading as an insurance co. They even answer the phone as MEDICAID.

I just don't know where to go from here. I already have my house up for sale and that is what it is taking to pay for the medication that I need. I am currently looking for a joint lawsuit that I can join against them.

Seriously, if they won’t insure a healthy person that can’t eat spicy foods, who will they accept? ObamaCare didn't go nearly far enough; the insurance industry is what broke our healthcare system. Real reform takes them out of the equation and gives us universal healthcare. A healthier American people will be a happier, more productive and more prosperous America.

I began using one such medication and it substantially improved my depression. I began feeling hopeful that, finally, I had found a medication that works for me. Unfortunately, HealthNet refuses to cover the cost of this medication because it was not originally intended for the treatment of depression, despite published data from numerous clinical studies that indicate its effectiveness in treating the more resistant forms of depression, despite the fact that there are currently many people safely using this medication to treat their depression, despite my physician's repeated pleas, and despite the fact that it works for me. Additionally, there are numerous other medications my physician had hoped to consider for my treatment that HealthNet has also stated they will not cover.

I have contacted the pharmaceutical company, but they do not offer assistance for patients any longer. I have contacted other prescription assistance programs and they have indicated that, in order to enroll, I must be without health insurance. I also considered prescription discount plans, but the greatest discount I can find is 10% off of a medication that costs about $29,000 a year, out of pocket. Needless to say, I cannot afford the cost. So I am now going off of the medication and the options I have available to me in terms of medications have been severely restricted by my health insurance company. I foolishly assumed that health insurance was intended to help people treat their illnesses so that they can return to a normal, productive life, instead of continuing to require further treatment, therefore incurring future costs for the health insurance company.

HealthNet seems to be very short-sighted. By refusing to cover the cost of my medication at this time, I risk future episodes of depression and further disruptions to my life - as well as further treatment, for which I will be billing HealthNet. Where is the logic in this? Why save a little money now only to potentially spend much more down the road? And this says nothing about the impact that this may have upon my life and my future. Disappointment is too kind a word to describe the way I feel about HealthNet and their policies.

My 4th call was when I got my bill and it was twice as much as it should have been. I got my bill, the third since this started, and my 5th call was because it was 4 times as much as it should have been. By now I had it with all the time I was spending trying to get them to send me a bill. Once again I told the service rep I would not pay my bill until I get a bill with the right amount on it. I asked to speak to a manager. The rep (his name was Alberto and he did a great job) said nobody was available to talk to me, so I left my contact information and told him I wanted a call back from a manager. Alberto told me he couldn't promise me they would send out a new bill. I did appreciate his honesty or that a manager would call me back. I knew at this point I would not get a call back from a manager. I went to my agent and started insurance with a new provider.

A week after my 5th call, I made my 6th call. The rep told me the billing department was still not sure if they could send me a new bill. I told her that at this point, when I asked to speak to a manager and they don't have enough professionalism to call me back, I have a bigger issue and asked to speak to another manager. I was on hold and she would keep telling me it was just another minute or two. But after waiting for 10 minutes, I told her to forget about it and just cancel my policy. She said her manager was right there and she was filling her in (she was still on the line. I didn't hear anyone filling in anybody), and the manager would be on the line in one minute. I told her she had 30 seconds to put a manager on the line and that I will not pay them, so the policy will be cancelled. After 30 seconds, I hung up.

What kind of company supports managers who refuse to talk to customers who have been affected by their mess ups for three months? Note to Alberto: You did a wonderful job and you are a professional. Please take your skills and talents to an employer who will appreciate them and treat you well. Note to anyone reading this: Don't do business with this company. They don't care about the people. Their actions prove, in my opinion, that they only care about the money. Too bad for them I'm 47 years old, healthy and don't take any prescription medication. My bill was all profit for them and I am happy to say they don't have it anymore!

The ambulance company has submitted the claim many times with the same result, a rejection. They also are puzzled as to why Health Net will not pay this particular bill since it is the same as all of the others that they did pay. To date, neither the ambulance company nor I have received a reason for why they will not pay this bill. I have not received any written or verbal communications from Health Net. I would very much appreciate an explanation from Health Net or at least the courtesy of a phone call to explain their position. I have made many attempts to resolve this issue with no results. My only other option at this point is the legal system which I will now pursue.

Recently, I went to pick up my prescription and my insurance was charging me $125. I was angry because they are pretending like last year's conversation never happened. They were rude to me on the phone and I requested for a supervisor to call me regarding this matter. Yes, they ignored my request. I'm on a fixed income and suffering without this medicine. My husband pays a lot for Health Net insurance (over 10 years) and it's appalling for customers to be treated this way.

At this point, I wonder why I pay for health insurance when I am paying so much out of pocket. My coverage makes no sense. I have communicated with the HN staff and nothing happens. I noticed two or three years ago that the staff must have had some training, so now when you complain to them, they simply say, “I know. It’s so hard, isn’t it?” They do this whole empathy thing, so the client’s complaints go into a vacuum. Yesterday, I received a letter where they offer a nurse to speak with 24 hours per day. This nurse is not to help the client with getting healthier. The nurse is there so that they can tell you if you are covered for this procedure or that work-up. If your doctor requests it, the job of insurance is to trust your doctor and cover what is needed! It is so unbelievably corrupt. I would happily join any lawsuit against this mafia.

How dare he say something like that. What if something happens between now and the time I am able to get the information. I think he was being unfair and uncaring. I am totally dissatisfied. It amazes me to have to experience this because I have always heard bad information about their customer service, but now I know why people thought this. They really need to step up in to some sort of customer satisfaction and how to handle complex situations like this. I will not recommend HealthNet to anyone and for my parents who have HealthNet, I will tell them to make sure they change insurance carriers.

With my old strips, I never closed the bottle and just stored it safely away. But the real problem was the new insulin due to Health Net arbitrary games. Be aware that I have contacted Health Net directly. Yes Corbin, you have been contacted and it is two months after I called you everyday for help and I still haven't heard from you. I gave up. I tried to get them to fix the insulin issue because even before the oral problems, I knew it was affecting me "strangely". I tried to see what I could do to get back to my doctor, others in the plan that were with the company longer were grandfathered in so it wasn't a problem for them. I stopped calling daily in October.

My husband got a new job with new insurance through work so I gave Health Net notice and cancelled our coverage. My young daughter has asthma and needs inhalers for her issues. I received a letter from Heath Net (case number **, stating that we owe the company $256.47 for an Advair inhaler that was paid for by the company after our coverage ended! I refused to pay this amount due to no fault of my own and always being a good customer.

When I called the 1-800 number they gave me, I cannot even speak to a person about this issue. They just say to take it up with my new insurance carrier. I refused to pay this bill and will take it to small claims if I must with family backing. I would appreciate a call in regards to this matter and thank whoever reads this in advance for any help.

I called the Lake Side community health care. They gave me a number. I called the number. They said that this PA is for PT and MRI. How am I supposed to do a PT or MRI without the doctor's order? I called back Lake Side and they gave me different number. I called that office and they said "We can't make an appointment. This is a wrong PA. Call your primary." I called my primary and they said, "No, this is for neurologist." I called back the neurologist office. I am wandering around for 2 days, being on the phone from 8 am-5 pm with no answer yet.

I called at 8:15 and the manger (Chantel) was not in the office yet. I called the day before at 4:30 pm and she has left the office. In the paper that I have, it is stated that their office hours is between 8 to 5, so someone is leaving early and not showing up the next morning on time. That's why I have a letter with a wrong PA number and no phone number. I was on the phone for 16 hours. I spoke to the following people in Lake Side and neurologist and WNN office: Carla, Rebecca, Pari, Britney, Maria, Laura, Natalie, Ofelia, again different Carla, Edward, Lupea, and I am still wondering around in physical pain and emotional pain. I have been crying all day.

Why do I have health insurance? I could collect all my monthly payment and pay on my own to a doctor I can choose to go to.

That's a 31% increase in less than a month. These guys are unchecked, and while I hate the government, I would love to see the full power of the military unloaded on these **.

We have asked for vascular referals and were seen by "In Network" doctors who were unable to help or were coached in the need for denials. She had a wound on her achilles tendon which is 3X4 cm and deeper than the tendon. She was seen by an in network doctor for this on July 1. They made an appointment for 5 weeks later for a recheck. No prescription for antibiotics or wound care at home. She lives alone, has poor vision and this causes her great pain. I brought her to Arizona on July 4th to spend a couple of weeks with our family. On the morning of the 4th of July I asked if she wanted me to help change the dressing. Her wound was infected, with cellulitis up to her knee, and yellow and green exudate from the wound. I took her to the emergency room and they admitted her for antibiotic therapy and she was seen by a vascular surgeon who did an angiogram and found the leg could be saved by opening the arteries with a balloon.

They also found an area in the right groin that needed repaired. She was in the hospital for several days trying to get the infection under control. She came home and was to return to have the balloon done to open the arteries to save her legs. HEALTHNET DENIED THE PROCEDURE BECAUSE SHE IS OUT OF HER AREA OF COVERAGE!

When I finally got in to see Dr. Dinesh ** at the UCLA Voice Center in West Los Angeles, he told me that he was going to give me an injection of collagen into my paralyzed vocal cord so that my vocal cords will meet mid line and help me to talk, prevent things aspirating into my trachea, and stop the coughing as well as continual throat clearing. He was just about to give me the shot when he took another look at my chart and said, "Oh, you need another referral in order to have this procedure done." You can imagine how I must have felt--completely discouraged!

Even though the nurse, Angelica, put an "urgent" note on the request, it has now been a full week and I am still suffering. I have chronic pains in my back, rib cage, chest, and under my arms from coughing spasms. Nothing helps! I have to live on cough drops to keep my throat moist, but I still cough. My complaint is, that if I get a referral to a specialist, why should I need yet another referral for what the specialist decides that I need for my treatment? That seems like the Insurance Company is overstepping the wisdom and expertise of the doctor! It causes a lot of grief and hardship for the patient. I am very depressed, discouraged and upset over this. If I could have had the injection when I was there on April 25th, I could be talking in time for CST testing. As it stands, I will probably be coughing and chocking through the entire test with a whisper voice. Please do something to correct such a poor policy!

The samples brought my glucose levels down to an acceptable range of 100-150. I appealed the denial and attended 2 Diabetic Classed that were requested by the doctors and medical group with no recommended changes to my diet or limited exercise procedures. When the sample medications ran out, my glucose level elevated back again and possibly higher than what it was originally.

I then received a packet on Tuesday this week regarding the denial of appeal. I read through the report and it said that this drug cannot be used for Type 1 Diabetes. It went on to say I had until the next day to add anything to the report. The next morning, I called the number given and spoke with Dana **, the Health Nets Appeals Case Coordinator. I explained to her that I would like to have two days extension to complete my glucose history log and to correct the errors within the report. She informed me that she had already closed my case and that she didn't have time to allow me any rebuttal. I pointed out the error with the denial being based on me having type 1 diabetes instead of having type 2.

She informed me that my doctors would have to correct this since Health Net got this information from them, and then hung up on me. I read every doctors report submitted in the packet from both doctors and not one of them had listed me as type 1. I wrote out a rebuttal and faxed it to the number listed on the cover letter even though Ms.Haydel had told me that my case was closed. I have not heard from them since. I believe this is nothing more than a stall tactic to see if I will die and they will not have to pay the cost of this medication.

I mean if an insurance company holds your health in their hands, then surely they have to be accountable for evidence of just systems, correct? Nope. Turns out according to Deborah at the Department of Insurance, there is no insurance law that hold these companies accountable for holding real evidence and proof of their actions. They just have to have some poor pawn in their company type, "Letter sent. Letter returned," and that's enough for the Department of Insurance and America. I then asked Deborah, "What if 100,000 people like me called today and said, 'hey this company didn't tell me of my rate increase and just took an extra $150 of my money without warning me ahead of time -- money I was going to eat with. '"Deborah's response, "Well then if we notice a trend (Ex. 100 - 100,000 claims of this), we do a Market Conduct Exam.

Meanwhile, the robbers have already spent your money and your happiness while you wait to see of the other people like you speak up. And if enough do, then they file a Market Conduct Exam. Which, as a pointed out to Deborah would probably be invalid for action considering her statement that there is currently no insurance law to outlaw such processes. What is there to stop insurance companies from this kind of fraud? Because I must say, if they can factor our ages, liability factors and all the other numbers to deny people their rights, what makes us really think they may not just use mathematical equations to figure out what number of people they can safely ** over within a given span of time? Got a story of your own? Tell it now. The more people who speak up, the sooner this kind of behavior will be stopped.

My case worker Queenie **** has been ineffective in helping me. Meanwhile, I searched for a doctor within network. I located a Dr. **** from UC Davis Health Net provider who looked at my MRI. He informed me that he could do the surgery. He is in Sacramento. I called Health Net and they said they would approve a 2nd opinion and then denied the referral on April 30, 2010. I am paying myself for the consultation until August 10, 2010. I am asking Health Net to pay for this consultation and they initially said they would.

Problem 1. Overcharge of Postage. I called to inform them of the 5 postage charges and requested my order be cancelled. The agent said it would be taken care of and that I was no longer subscribed.

I then called Ace. She confirmed the Cleanse order was cancelled but that the agent from 1/15/10 left no notes concerning my call. She said she was unable to identify the man but gave me a cancellation number dated on the 15th. I then emailed the refund dept.

Problem 3. Failure to comply with their own Terms and Conditions. My comments are in parenthesis.1. When you enroll on the order checkout page (never received) 2. We refund all cases unauthorized transactions (their stand is to deny refund) 3.If you cancel before the end of the fourteen day trial period, you will not be charged the one time Membership Fee. (I was charged 2 fees ofF $169.95, 2 fees of $54.95 and I cancelled on Day 1).

Had I gone with his plan, I would be paying 20% of my radiation, chemo, and MRI’s. That would have run me in the $1,000's every month! With Health Net, I pay $75 for each MRI, radiation is covered and would chemo be at 100% if done through clinic. I pay a $25 co pay for my chemo pills and they run almost $3,000 a month. To the poster that said she shouldn't be paying a co pay for medications because she's double insured is wrong. My kids are double insured and the pharmacy files on the insurance that has the cheaper co pay, not no pay!

Gender Descrimination... taking advantage of woman when they are sick with chemo and radiation and taking advantage of them. Woman have to fight Breast Cancer and Health Net

I have requested my refund once again and this time asked for interest - probably won't see it.

All claims have been denied because of non payment by me even though the mistakes are theirs. So basically, I have paid for 4 months of supplement and are actually uninsured by them. All calls ended in dead ends with the company as they will not correct the accounting and their mistakes.

My son was diagnosed with speech and sensory problems (Aphasia and Spensory Porcessing Disorder)at age two. My state mandates that children receive early intervention from Birth to Three and that insurance also pay for those services. We paid on a sliding scale and Healthnet paid for the services my son received for speech and occupational therapy.

Healthnet paid this until the day my son turned three (when the state mandate expires) and refused all speech claims from the point he turned three. My son was seen by a Yale pediatric neurologist and diagnosed with Aphasia and was given a prescription for intensive speech therapy

Healthnet has refused to pay for any speech, using a fallout that my son would have had to acquire and then lose speech (for instance by having a stroke) in order to get speech therapy. My son never got the chance to acquire proper speech, hence the speech delay and the need for therapy.

I initiated an internal and an external appeal. I made numerous calls and was told everything from they only paid it when he was two because they had to by law, to just keep submitting claims and see what happens - a veritible dice roll with my son's claims.

My appeals were denied for the same clause that he had to have a stoke or accident in order to get the 30 promised speech therapy sessions in my handbook from Healthnet.

I started an appeal with the State Insurance Commissioner and was told that Healthnet was not consistent in their reasoning for the denial but that the Insurance commissioner was not optimistic about Healthnet coming through for my three year old.

Healthnet discriminates against children with disabilites - how else could we explain the fact they paid the claims for the year they had to as governed by the State and now refuses to honor their policy of paying for 30 speech sessions per year.

We are forced to pay 13k for insurance and 150 per hour for private speech. We are unable to do this. We are unable to help our child get the help he needs and we are completely let down by our insurance company who has no caring or concern what their loose interpretation of their policy does to the health and well being of a three year old child who needs speech therapy and occupational therapy as a medical necessity.

We are considering moving, refinancing or anything in order to get our child what the doctors say that he needs.

I sent a complaint to Kay Smith stating my disappointment with Preferred Home Care to supply me with a loaner chair while they took my chair to replace these batteries. The response letter from Kay Smith apologized for the misinformation I received from Preferred Home Care and stated that a reimbursement check in the amount of $247.00 would be issued in 4-6 weeks. It is now over 10 weeks and I still haven't received this check after numerous phone calls to Kay Smith, I was told to expect it by the end of October, 2007. This is the end of October now and the check still isn't here.

Health Net, also does not have any specialists or primary care doctors in Peoria and I must depend on AAA to take me to my doctor's appointments. They have caused me to miss at least 3 of these appointments by showing up long after my appointment time, eventhough they schedule my pick up time at least 2 hours prior to when they arrive. I have asked for an out of network specialist, since the first one they sent me to was extremely offensive and I didnt want to see him again. I was denied. I, then, called the appeal board to get a 72 hour decision, since my illness is life threatening and I needed a specialist (endocrinologist) immediately for a mass (thyroid) that is grossly large and causing breathing and swallowing problems. Rosie told me that I had to write to the appeals board, even though I explained the urgency of having an over the phone appeal. I received a letter from this appeals board which stated that they would respond within 30 days. Health Net's endocrinologist specialists are all in the same group or clinic, therefore, when I called to see another specialist at that group I was told, their policy is that if I don't want to see the original specialist I had seen, they would not allow me to see another specialist in their group. I reported this to Health Net and was told, perhaps, you should find another health plan. I plan on doing this, but, unfortunately, I cannot change my plan until November 15th, which is the date anyone can change their plans. So, I am left with this life threatening illness until then.

The very real possibility of choking to death.

I was told that even though I have PPO insurance I still had to wait for an authorization. I received a letter in the mail on August 6th stating that they were denying the authorization because they feel that it is not necessary for me to have this scan done because my cancer has not come back in 4 years. I called Health Net on August 7th to file an appeal and I stated to this woman who didn't tell me her name that this was part of my treatments even though my cancer is currently gone. She stated to me that she would give the appeals department my information and it could take up to 30 days to get any response.

In the meantime I contacted my Oncologist and he called my insurance company to get it appealed also. My Oncologist was told Health Net will not cover this test because it is just for surveillance it is not for a reason which is absolutely untrue. Just because my cancer is currently gone does not mean these tests are unnecessary at this time.

If I have to pay for this PET Scan out of my pocket completely it will be at least $2,000.00 if not more and me being a single woman living on my own that is not financially possible.

This has caused me unneeded stress and grief and it is totally and completely wrong. How dare an insurance company that I am paying out the nose for tell me that my life or health does not matter just because cancer is not present at this time. I assumed that because I pay for PPO insurance that I woul dbe treated a little better, I guess not.