This company is terrible . Legalized crime . I paid $400 + a month for insurance for my 3 children and was denied benefits for them . They have no pre existing conditions and are very healthy. the first time i tried to take them to the dr. while paying heath net for coverage , i was informed they had not been added to my plan. I had to wait until open enrollment to add them to my plan. o.k. i thought my healthy kids can wait. open enrollment time came , i filled out all the required forms sent it in on time only to find out 4 months later they were not added . I called Health net they said oh it's just a mistake have your employer just resubmit your forms . so my employer and i both resubmit the forms that i had originally submitted with all the dates cause i kept them . and they still denied my children coverage. so thank you health net for collecting $8500 of my dollars and providing NO coverage. you are criminals. I'm not understanding why you can take money and promise a service and then not have to provide any services and not go to jail. You steel from people. I asked others I know about who there providers are and anyone that I have met thats had health net has the same awful story to tell that I do. Your employees must all have nice cars at the rate of witch you are taking advantage of people.