• Processes more than 2.6 million dental claims each year. The accuracy of processed claims exceeds 99% and we have a claims processing turnaround time of 5-10 working days.
• Has a high-tech electronic claims system designed specifically for processing dental claims.
• Consistently earns high ratings from the industry's leading independent insurance analysts for its outstanding financial strength and operating performance.

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Anthem Blue Cross has been serving the health care needs of Californians since 1937. Anthem, together with its branded affiliates, provides health care services to more than 8.3 million members. You may think of us primarily as a health benefits company. At Anthem Blue Cross, we are committed to being so much more.

Serving the People of California:

We serve 8.3 million members in California, including:

More than 646,074 seniors

More than 840,000 individuals

More than 800,000 members in small businesses and groups

Our provider network includes:

390 Hospitals

55,000 Primary Care Physicians and Specialists

We process more than 62 million claims each year

We receive more than 40 million inquiries each year, averaging 52,000 calls per day from members and providers.

For our California small group customers, we are proud to offer solutions that are as unique as the small business customers we serve. We offer a wide range of plans from low cost, high deductible plans to premium plans with rich benefits. These options are continually fine-tuned to enhance access to affordable, quality health care. The company, with its strong track record for innovation, focuses on progressive products and services designed to improve the health status of all Californians.

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Assurity's Group Division works with brokers, third-party administrators (TPAs) and managing general underwriters (MGUs) to develop lasting marketing, customer service and administrative relationships. We also provide a level of plan customization not usually possible with the large national carriers.

• No claim forms for in-network services
• Customer service representatives available seven days a week
• Freedom to choose from a wide selection of providers in California and across the country
• Additional discounts on non-covered items, laser vision correction surgery and replacement contact lenses by mail

• Committed to empowering member choice through delivering informational tools that allow members to be active players in receiving quality health care, including:
  • Evidence-Based Medicine Online: up-to-date information on medical terms, treatment and options, searchable by condition.
  • Hospital Comparison Report: interactive hospital comparisons to evaluate and determine which hospital scores highest, in key categories, for a particular condition or surgery.
  • Medical Group Comparison Report: this online tool allows Health Net members to compare HMO medical groups based on the quality of care and service the groups provide members.
• Committed to bringing simplicity to the delivery of health care.
• Award-winning website, www.HealthNet.com , provides a portal for members and other stakeholders to perform administrative functions, gather information and learn about Health Net wellness initiatives.
• Delivers simple, affordable and comprehensive products that provide our members with access to high quality health care services.
• Provides employers with options that provide comprehensive benefits - at appropriate costs - while giving consumers a greater voice in their health care decisions.
• Our customer service is designed to offer members, physicians and providers the highest quality of support and information. On an average day, our Customer Service representatives answer more than 35,000 calls from members and providers throughout the country.
• In 2002, our Claims representatives processed approximately 20 million physician and hospital claims - 97 percent in less than 30 days.
• Within Health Net's National Health Plan Operations team, initiatives to improve our ability to resolve customer issues on the first call are beginning to take hold. Our goal is resolving 85 percent of our customers' inquiries on the first call.
• We devote significant resources every year to programs that help members with specific chronic conditions such as diabetes, heart disease, asthma and depression. Through intense member education, telephone counseling and medication compliance monitoring, we've also seen significant improvements in the treatment and health of our members who suffer from rare diseases such as multiple sclerosis and cystic fibrosis. In addition to elevating their health status, we have seen 25 percent fewer hospital admissions for members enrolled in these programs.
• Health Net has been a wellness pioneer for many years. By offering reminders and information on the importance of getting preventive health screenings, our prevention programs help members maintain better health.
• Nearly quarter-century history of health coverage.
• Network of nearly 49,000 contracted physicians, 570 physician group locations and 4,400 pharmacies.
• Solid base of 2.5 million members
• A.M. Best Rating of A- (Excellent).

• Elect Open Access is a good in between plan that is priced like an HMO but gives you access to PPO doctors.
• You first select a PCP (your doctor).
• Self referrals to the Health Net PPO network are for doctor and specialist office visits only
• You have unlimited self-referral to any physician in the Health Net PPO network (over 44,000 doctors) for a $40 per visit copay
• All major services (such as hospitalization and surgery) are managed by your PCP

• We provide health care in  nine states and the District of Columbia.
• We serve 8.7 million members nationwide, including 6.5 million members in California.
• In California, more than 9,000 physicians provide care at over 300 medical offices and 50 medical centers.

• Physicians have the final say on your prescriptions for medically necessary drugs.
• You can choose or change your personal physician for any reason.
• Your Kaiser Permanente physician can easily refer you to a Plan specialist.

• We're selective about the physicians we hire. In California, only one of every ten applicants is chosen to become a Kaiser Permanente physician.
• A number of our physicians have national reputations, and some teach at leading universities.
• Kaiser Permanente's of California Regions earned "Excellent" ratings from the National Committee for Quality Assurance (NCQA), the nation's leading reviewer of health plan quality for consumers and employers. "Excellent" is the top rating granted by NCQA, which reviews satisfaction surveys, preventive measures, physician credentialing, member services, and improvement initiatives.*

• A special Los Angeles County doctor and hospital network through Health Net
• A $25 co-pay HMO plan with lower premiums
• Rates starting at $144
• Dependents living in Baja can enroll in the SIMNSA network which features a $5 copay in Mexico

Western Health Advantage
1-888-563-2250
Monday-Friday 8:00 a.m.-5:00 p.m.
English/Spanish/Hmong
www.WesternHealth.com