Your health, Your life. Decision power.sM

Good health means something different to everyone. How you get there is an individual choice. That’s why Health Net created Decision Power.SM Whether

you’re focused on staying fit, dealing with back pain or facing a serious diagnosis, we’re here to help you work with your doctor and make informed decisions.

In this newsletter, you’ll learn all about Decision Power and the many ways you can use this extra service that comes with your Health Net plan. Plus you’ll get details on many of our quality programs and services, such as preventive health screenings, childhood immunizations, depression care, and care management for members with multiple and/or severe chronic conditions.

Because when it comes to your health, there’s more than one right answer.

New! More

ways to get

and stay

healthy with

Health Net’s

Decision Power.

Winter 2009

2health in balance

6 rate your health

12we speak your language

W ith Health Net, you get more than health care coverage. You get Decision Power.

Decision Power brings together under one roof the information, resources and personal support that fi t you, your health and your life. Whether you’re focused on staying fi t, dealing with back pain or facing a serious diagnosis, we’re here to help you work with your doctor and make informed decisions. Here’s how it works.

Staying healthy is just as important as getting well.

Making the most of your health is what Decision Power is all about. We’re focused on your whole health, not just one concern or disease. So we work with you to identify potential health risks and help prevent minor concerns from becoming big problems. And we’re here should you face serious medical concerns.

Your health, your time. Your choice.

Whether you …have a question,●

want help with a specifi c health goal, ●

need treatment but want to understand all your ●

options, orare living with illness●

… you choose how and when to use the information, resources and support available. You can use Decision Poweronline. Or by calling a Health Coach. Try multiple resources at once, or one at a time. 24 hours a day, seven days a week, Decision Power is here for you.

Log on to www.healthnet.com. Take the health risk questionnaire (HRQ) –● with itsinstant results and interactive features, the HRQ is your gateway to recommendations and resources based on your unique health profi le. Read “How Do You Score” for details.

Decision power: health in Balance Information, resources and support for every person, every stage of health

Whether you …

Information, resources and support for every person, every stage of health

2 HealthNet News

Try a step-by-step plan ● that combines online coaching and self-help tools with phone support so making lasting, healthy changes is easier. Topics include:

tobacco use –weight management (adult and pediatric) –nutrition –stress reduction –high cholesterol –high blood pressure (hypertension) –

Test your knowledge ● about all the pros and cons of specific treatment options with our online questionnaires that also have space for you to document your preferences.Track your health progress ● and build a complete medical snapshot to have whenever you need it. You can set up your Personal Health Record to capture claims data and the self-reported data from your HRQ. You can also enter immunization and test records and results. Plus, you’ll automatically receive next steps and alerts about things to discuss with your doctor.Find support for mental health concerns – ● tools to assess depression, excessive alcohol use and other emotional health concerns.

Keep track of prescriptions in our medication ●

center, where you’ll also find the most up-to-date information about potentially harmful drug interactions, prescription drugs and over-the-counter medications and supplements.Know the numbers ● with our handy tools, including health trackers (cholesterol, diet, fitness), hospital comparison reports and a treatment cost estimator.Be informed – ● Decision Power delivers trusted, easy-to-understand materials right to your fingertips. Beyond our in-depth article library, you’ll find:

Streaming videos that show how others have chosen –different treatment options for a variety of health conditions ranging from lower back pain to breast cancer. After viewing, you can test your knowledge about all the pros and cons of specific treatment options with online questionnaires.Access information resources, such as Healthwise – ® Knowledgebase, an online health encyclopedia; HEAR® Audio Library, which contains information on 355 health topics; and Health Crossroads® Web Modules, which explain the pros and cons of various treatments.

Talk to a Health Coach.With Decision Power, you get the convenience of a single point of contact for any and every health question, goal or situation. The Health Coach you talk to – a trained professional, such as a nurse, respiratory therapist or dietitian – will present choices, explain options and support you based on your individual values, situation and preferences. If English is not your primary language, we’ll be happy to provide a translator.

One-on-one consultations ● and a single point of contact: you can talk to the same Health Coach every time you call. During each call, your Health Coach will make an appointment for the next one. All our Health Coaches have experience and know-how to help you with your primary concern while exploring and addressing the range of issues that may be related to and complicated by it.

Information, resources and support for every person, every stage of health

Continued on page 4

www.healthnet.com 3

Continued from page 3

Steps to avoid cardio-metabolic risk –● the combination of three or more of the six risk factors (e.g., waist size, blood pressure, HDL cholesterol level) that predict diabetes, heart disease and colon, uterine and prostate cancers.24-hour answers● to health questions or concerns. Always call 911 or go straight to the emergency room in a life-threatening situation.Techniques● for talking to your doctor and evaluating treatment options.Pointers● for setting achievable health goals on topics such as weight management, smoking cessation, stress reduction, cholesterol management, blood pressure control and more. Guidance and support● for living with an ongoing illness such as asthma, diabetes, heart disease, and depression, among others.

Specialized support for end-stage diseases, severe ●

trauma – expert nurse case managers work one-on-one with patients and families, facilitating any and all services that may be helpful, including home care, hospice, skilled nursing, and behavioral health.

Doctor-patient connection.Doctors know medicine. You know your body. With Decision Power, it’s easy to learn what questions to ask, how to explain your

preferences and to get the support you need from your doctor. The more you know, the easier it is to navigate complicated health choices and make the ones that are right for you. Decision Power – use it whenever and as much as you like. Because when it comes to your health, there’s more than one right answer.

Try it today! Log on to www.healthnet.com or call us toll-free at 1-800-893-5597 (TDD/TTY:

1-800-276-3821). Translation services are available 24 hours a day.

focus on QualitYReports to help you choose doctors and hospitals

Health Net’s focus on quality monitoring helps ensure that the care you receive is the right care for

you. Plus, you can assess network quality for yourself with the provider and hospital comparison reports that we make available online at www.healthnet.com. The majority of our network hospitals and providers participate in these reports in the effort to make health care more transparent for you.

Quality and patient safetyHealth Net’s Hospital Comparison Report has easy-to-understand details about hospital treatment outcomes, the number of patients treated for a particular illness or procedure, and the average number of hospital days needed to treat that illness or procedure. To access the report, log on at www.healthnet.com, choose Decision Power Health & Wellness > Compare Hospitals.

Decision power: health in Balance

4 HealthNet News

To ensure that the report data is thorough and valid, Health Net:

Supports ● California Hospital Assessment Reporting Taskforce (CHART). A California-wide collaboration, CHART was established to standardize hospital quality measurement and provide hospitals with benchmarked, risk-adjusted data for quality improvement purposes through www.calhospitalcompare.org. Encourages ● the hospitals in our network to complete the Leapfrog Hospital Quality and Safety Survey, a national rating system that gives consumers reliable information about a hospital’s quality and safety based on the following patient safety measures.

Computer physician order entry (CPOE): – An online prescribing system linked to error-prevention software. Intensive Care Unit (ICU) physician staffing: – Assesses hospital staffing of ICUs with physicians who have credentials in critical care medicine. Evidence-based hospital referral: – Assesses hospital experience and performance with high-risk and complex medical procedures.

Leapfrog safe practices score: – Based on the National Quality Forum’s Healthcare Safe Practices to reduce the risk of harm in certain processes, systems or environments of care.

Research commissioned by Leapfrog has shown that if the first three measures listed above were implemented in every nonrural hospital in the U.S., we could save up to 65,341 lives and prevent up to 907,600 medication errors each year.

Physician group qualityUse Health Net’s online Medical Group Comparison Report to compare the quality of care and service of network physician groups (HMO, ELECT® Open Access and POS plans). You can see comparative information in four areas: access to care, member satisfaction, managing chronic illness, and prescribing practices.

The report communicates provider group results as reported for the California Pay for Performance Program (P4P). Health Net participates in the Integrated Healthcare Association (IHA) Pay for Performance initiative, which allows us to provide bonus payments to physician groups using the IHA’s defined set of performance measures.

To access the Medical Group Comparison Report, log on at www.healthnet.com, select Decision Power Health & Wellness > Compare Medicare Groups.

To view results for all participating provider groups in California and read more about the IHA data collection and verification methodology, go to the IHA Report Card at www.iha.org.

FeedbackIf you’d like to share feedback about our online reports or request information about our feedback process, email us at cqi-dsm@healthnet.com. We review member feedback on a regular basis and use your input to fine-tune our reports to make sure that they are useful for you.

For more information, call the toll-free Customer Contact Center number on the back of your Health Net ID card.

www.healthnet.com 5

how Do You score?

Stamp out super bugs: Antibiotics aren’t always the answer

Rate your health and learn how to improve it – all in 15 minutes

Retake the

enhanced

HRQ

every six

months to

monitor your

score and

track your

progress.

In the next 15 minutes, you could check email or return phone calls. Or you could

take the enhanced Health Risk Questionnaire (HRQ) and get an instant snapshot of your overall health and potential health risks, along with ways to take control of your health.

Part of Health Net’s Decision Power program and powered by WebMD®, the enhanced HRQ is the fast and convenient way to:

Identify potential health risks – new ●

questions help pinpoint risk factors that are strong predictors of diabetes, heart disease and colon cancer. Get an action plan for boosting your health – ●

complete with details about any gaps in care, reminders for tests and vaccinations, alerts about drug interactions, etc.See how lifestyle changes will impact your ●

overall health score and reduce health risks. The HRQ has health “risk tabs” with

sliders that make it interactive and fun. Share the results with your doctor, so you ●

can work together on health improvement.

It’s easy to take advantage of everything the HRQ has to offer:

1Gather a few medical facts. The more details you provide, the more valuable

your HRQ results will be. Gather as much of this information as possible: current height, weight, blood pressure level, blood sugar level, cholesterol and triglyceride values, and dates of your last medical exams.

2 Take the HRQ online:

Go to ● www.healthnet.comSelect ● Decision Power Health & Wellness, then Complete the Health Risk Assessment. You’ll be prompted to log in or you can click Register now

Did you know that taking antibiotics for colds and the flu does more harm than good? That’s because antibiotics only fight bacteria. They can’t fight colds or the flu because they are caused by viruses.

Taking antibiotics for colds and flu actually helps drug-resistant bacteria, or “super bugs,” develop in your system. These bugs build defenses that allow them to become resistant to antibiotics, which can prevent antibiotics from working when you need them.

That’s why it is important to take the right drug for the right bug.

Colds, the flu, most coughs, and most sore throats are viral infections.

Bacteria are usually localized at a single point of the body. Strep throat, urinary tract infections, and some sinus infections are common bacterial illnesses.

When you have a bacterial infection, an antibiotic may be

6 HealthNet News

How we make coverage decisionsAt Health Net of California, we’re committed to helping you and your family be healthy, secure and comfortable. There should be no barriers between you and the care you need to get – and stay – healthy.

We believe that all decisions about your care should be based on medical necessity, medical appropriateness, safety, and existing coverage. Health Net in no way encourages or offers financial incentives to its contracting physicians to deny any type of care or treatment to our members. Any doctor who fails to provide appropriate services to Health Net’s patients will be investigated and may have his or her contract terminated.

If you have any questions about coverage decisions, we invite you to speak with a Utilization Management staff member. Just call the toll-free Customer Contact Center number on your Health Net ID card and ask for the Utilization Management Department.

Stamp out super bugs: Antibiotics aren’t always the answer

the right treatment. If you have a virus, it’s usually best to let the body’s own defenses fight the illness, so that it can build natural immunity to germs. You can relieve viral symptoms with over- the-counter medications. Check with your doctor or pharmacist for recommendations based on your symptoms, overall health and medication history.

There are also a few simple things to do and not do to protect yourself against antibiotic resistance.

DoTake antibiotics exactly as ●

prescribed by your doctor.Finish prescriptions even if ●

you feel better before all the medication is gone.Wash your hands frequently. ●

Maintain good health through ●

exercise, a proper diet and plenty of sleep.

Don’tTake antibiotics for viral infections. ●

Insist on a prescription for an ●

antibiotic when your doctor says no.

Stop taking your prescribed ●

antibiotic before the full course of treatment is complete.Save medication to treat yourself ●

or others later.

And remember, the next time you get a bad cold, drink a lot of liquids and rest … don’t ask your doctor for antibiotics! For more information about antibiotic resistance, visit www.cdc.gov/ drug resistance/community/ know-and-do.htm.

to get a username and password.All information provided is ●

strictly confidential.

3Use the other Decision Power resources to boost your score and manage your

health. See the Decision Power article on page 2 for details.

WebMD® is not part of Health Net’s medical benefit plans nor affiliated with Health Net’s provider network. WebMD is an additional resource that Health Net of California, Inc., and Health Net Life Insurance Company makes available to enrollees but may be revised or withdrawn without notice.

www.healthnet.com 7

We’ve all heard the news. Americans are getting bigger, and the resulting health issues are growing. In fact, more than 45 million Americans have cardio-metabolic risk, a combination of three or more of the following six risk factors for diabetes, heart disease and stroke:

waist measurement greater than 40 inches for men or ●

greater than 35 inches for women,blood pressure greater than 130/85 mm Hg, ●

fasting blood sugar greater than 100, ●

triglyceride levels greater than 150, ●

HDL (good) cholesterol less than 40 for men or ●

less than 50 for women, andsmoking. ●

If unchecked, these factors lead to serious diseases. And yet most people don’t know if they are at risk. Decision Power can help you reduce your risk. Call anytime to talk with a Health Coach and find out what steps you can take to avoid cardio-metabolic risk.

Decision Power targets cardio-metabolic risk

Reduce breast cancer riskBreast cancer affects millions of women and their families every year. While the search for a cure continues, there have been many advances in breast cancer detection and treatment. Scientists have also identified many risk factors. Some of the risks, such as family history, are out of your control. However, you can decrease your odds of developing or dying from breast cancer by reducing the risks you can control.

Every woman should get regular mammograms, limit alcohol intake, maintain a healthy weight, exercise for 45 to 60 minutes five or more days a week, eat a healthy diet, perform monthly self-breast exams, and get regular clinical breast exams.

As a Health Net member, you also can use Decision Power

to help minimize your risks. We have step-by-step plans for weight loss, nutrition and quitting smoking, as well as Health Coaches to support you. To use Decision Power, log on to www.healthnet.com or call 1-800-893-5597 to speak with a Health Coach. Language assistance is also available.

8 HealthNet News

C lear and complete communication between health care practitioners

is one of the easiest ways to improve the quality of care you receive. When the health care practitioners you see know about each other and have a complete picture of your health information, they have the facts they need to select the best treatment options for you.

Here are a couple of easy things you can do:

Provide each of your doctors ●

with the names and numbers of all of the practitioners you see, including your primary care doctor, all specialists and behavioral health practitioners.

working together for Your healthCommunication improves care

Navigating the health care system can be a challenge, especially when dealing with serious illness. Health Net has a team of nurses and health care professionals, called case managers, who can help. They work with you and your doctors to develop a plan to help you manage your illness and maximize your health. Case managers can:

Locate community resources. ●

Facilitate communication and coordination with all ●

professionals involved in your care. Help you use your health care benefits wisely. ●

Help you fully understand your health condition, ●

treatment options and the actions you can take to improve your health.

Participation in case management is voluntary, and your choice about participation will not affect your health care benefits. You or a loved one might benefit from case management if you:

Have a long-term illness. ●

Have been hospitalized frequently. ●

Need high-tech or extensive home care. ●

Have sustained a traumatic injury. ●

Have a terminal illness. ●

If you would like to request an evaluation to determine whether case management can help you, call the toll-free Customer Contact Center number on your Health Net ID card.

Case management

Tell all your doctors what ●

medications you take, so they can make sure they prescribe safe and effective medication for you.

Creating and sharing your medical information doesn’t have to take a lot of time. Health Net’s online Personal Health Record (PHR) – part of our Decision Power program – makes it easy to build and share your complete medical history.

The flexible PHR design lets you:Choose to have your claims ●

data included.Enter your immunization records ●

and test results.

Track your prescription drug ●

history and learn about drug interactions.

Get your PHR in three easy steps:

1Log onto www.healthnet.com (or click the Register Now button to get

a Health Net username and password).

2Select Decision Power Health & Wellness > Living Healthy >

Health Record.

3Click Take Action on the right side of the page, then choose Health

Record from the My Records menu.

Create your PHR today!

GuIdaNCe aNd support for serIous IllNesses

www.healthnet.com 9

depression is more common than most people think. According

to the U.S. Centers for Disease Control and Prevention, about 20 million Americans have experienced depression.

The good news is that depression is a treatable condition. 70 to 80 percent of people with depression improve when treated appropriately with antidepressant medication, therapy or both. If untreated, however, depression can lead to poor health and impaired functioning both at work and home.1

If you have behavioral health coverage with your Health Net plan, you can see one of the behavioral health practitioners that are part of the MHN network.2 MHN is Health Net’s behavioral health subsidiary.

You can find a practitioner at www.healthnet.com or by calling MHN for a referral at 1-800-400-8987, option 3.

Feeling down but not sure if it’s depression? Log on to www.healthnet.com > Decision Power Health & Wellness > Health Improvement Centers > Emotional Health to take a self-screening for depression.

As a Health Net member, you also have access to Decision Power information, resources and support. To use Decision Power, log on to www.healthnet.com or call 1-800-893-5597 to speak with a Health Coach. You can use Decision Power resources any time of the day, every day of the week. Language assistance is also available.

To help treat depression, your doctor might prescribe an antidepressant medication. Exercise can also help by improving your mood and your overall health.

If you feel desperate or hopeless or are thinking about hurting yourself, tell your doctor or someone who cares about you right away or go directly to an emergency room.

Remember that depression affects a lot of people, and seeking help is not a sign of personal weakness. Getting help for your depression can help you be healthier and happier.

1 Pratt, L. and Brody, D. “Depression In the United States Household Population, 2005-2006, CDC, NCHS Data Brief, #7, Sept. 2008.

2 MHN provides behavioral health care and substance abuse care to Health Net members whose plans include these benefits. Not all members have behavioral health coverage. To check your coverage, refer to your plan documents or call the toll-free Customer Contact Center number on your Health Net ID card.

Signs of depressionCommon warning signs of depression include:

A lack of interest ●

in activities previously enjoyedAppetite and ●

weight changesSleep problems ●

(insomnia, oversleeping or early-morning waking)

Irritability ●

Withdrawing from ●

friends and familyA lack of energy or ●

sense of fatigueRecurring aches and ●

pains that seem to have no physical causeFeelings of ●

worthlessness and helplessness

Difficulty ●

concentrating, remembering and making decisionsThinking or talking ●

about death or suicideIf you or someone you know is experiencing several of these symptoms for two weeks or longer, get professional help.

Depression: Detection, treatMent anD support

10 HealthNet News

Health Net is committed to treating you in a manner that respects your rights, recognizes your specific needs and maintains a mutually respectful relationship. To demonstrate our commitment, Health Net has adopted a set of member rights and responsibilities.

You have the right to:Receive information about ●

Health Net, its services, its practitioners and providers, and members’ rights and responsibilities.Be treated with respect and ●

recognition of your dignity and right to privacy.

Participate with practitioners ●

in making decisions about your health care. Have a candid discussion about ●

appropriate or medically necessary treatment options for your condition(s), regardless of cost or benefit coverage. Voice complaints or appeals ●

about the organization or the care it provides.Make recommendations regarding ●

Health Net’s member rights and responsibilities policies.

You have the responsibility to:Supply information (to the extent ●

possible) that Health Net and its practitioners and providers need to provide care. Follow plans and instructions for ●

care that you have agreed on with your practitioners.Understand your health problems ●

and participate in developing mutually agreed upon treatment goals to the degree possible.

These rights and responsibilities apply to your relationship with Health Net, our contracting practitioners and providers, and all other health care professionals.

p rotecting your privacy is a top priority at Health Net. We have strict policies about how

we may collect, use or disclose your protected health information. In addition, you have certain rights regarding the information we maintain about you.

Protected health information includes information about:

You, including demographic information, that can ●

reasonably be used to identify you. Your past, present or future physical or mental health ●

or condition. The provision of health care to you. ●

The payment for that care. ●

Health Net is required by federal and state laws to provide you with notice about your rights and our legal duties and privacy practices with respect to your

protected health information. Health Net’s Notice of Privacy Practices explains:

How your protected health information may be used ●

or disclosed.Your rights as a member to access protected ●

information and to request amendments, restrictions or an accounting of disclosures of protected health information. The procedures for filing a complaint. ●

For a copy of Health Net’s privacy policies, please log on to www.healthnet.com, scroll down to the bottom of the page and click Privacy > Notice of Privacy Practices. You may also request a copy by calling the toll-free Customer Contact Center number on your Health Net ID card.

For questions about the Notice of Privacy Practices, please email Privacy@healthnet.com.

how we protect Your privacY

Know your rights and responsibilities

www.healthnet.com 11

new! language assistance prog raM I s it easier for you to read and speak

in a language other than English? Is English your second language? Health Net has developed a Language Assistance Program (LAP) to help us communicate with each other.

LAP began in January 2009. The program:

Provides language assistance ●

services at no cost to you as a Health Net member.

Reflects recently enacted ●

California legislation (SB 853). LAP includes interpretation and translation services to help you when receiving health care services. For example: Interpreter assistance – ● to help you communicate with your doctor, health care provider and health plan staff. You do not need to use family, friends or children as interpreters for you.

Oral translation – ● allows you to have the documents you receive from Health Net or our contracted providers be read to you in your own language. Written translations – ● allow you to receive some of the documents in Spanish or Chinese (traditional characters).

LAP services are available:Whenever you receive covered ●

health care services.

¿e s más fácil para usted leer y hablar en otro

idioma diferente al inglés? ¿Es el inglés su segundo idioma? Health Net ha desarrollado un programa de asistencia de idiomas (LAP, por sus siglas en inglés) para ayudarnos a comunicarnos con usted.

El LAP se inició en enero del 2009.El programa:

Proporciona servicios de asistencia ●

de idiomas sin costo alguno

para usted como afiliado de Health Net.Refleja la legislación de California ●

decretada recientemente (SB 853).

El LAP incluye servicios de interpretación y traducción para ayudarle cuando reciba servicios médicos. Por ejemplo:Asistencia de intérprete – ● para ayudarle a comunicarse con el médico, el proveedor de atención médica y el personal del plan de salud. No necesita recurrir a su

familia, amigos o hijos para que le sirvan de intérpretes.Traducción oral – ● permite que alguien le lea en su propio idioma los documentos que recibe de Health Net o de los proveedores que tienen contrato con nosotros.Traducciones escritas – ● le permiten recibir algunos de los documentos en español o chino (caracteres tradicionales).

Los servicios del LAP están disponibles:

¡Nuevo! proGrama de asIsteNCIa de IdIomas

12 HealthNet News

From Health Net during our normal ●

business hours.By calling the phone number on your ●

member identification card.

Call us at 1-800-522-0088 to let us know what spoken

and written language you prefer. By providing us with this information, you will be able to receive information in your preferred language.

new! language assistance prog raM

Cada vez que reciba servicios médicos ●

cubiertos por el plan.Por parte de Health Net durante las ●

horas hábiles normales.Al llamar al número de teléfono ●

que se encuentra en su tarjeta de identificación como miembro.

Llámenos al 1-800-522-0088

¡Nuevo! proGrama de asIsteNCIa de IdIomas

para que nos diga qué idioma hablado y escrito prefiere. Al proporcionarnos esta información podrá recibir la información que desea en su idioma preferido.

www.healthnet.com 13

no-cost language services

14 HealthNet News

no-cost language services

Khmer

Russian

www.healthnet.com 15

take steps to keep Your health on track seeing your doctor for regular health screenings and

immunizations is important for staying healthy. Vaccines work to protect infants, children and adults from illness and death caused by infectious diseases. It is always better to prevent a disease than to treat it.

Use the Screening and Immunizations Guide tear-out cards included in this newsletter as a reminder to schedule immunizations and health maintenance exams for you and your children.

For more information about preventive health screenings, log on to www.healthnet.com > Decision Power Health & Wellness > Preventive Guidelines.

We want your

feedback! Just

call the toll-free

Customer

Contact Center

number on your

Health Net ID

card with your

suggestions.

Return service requested Presorted Standard

U.S. Postage

PAIDMerced, CA

Permit No. 1186P.O. Box 9103Van Nuys, CA 91409-9103

MSC: CA-904-01-03-NCQA

Decision PowerSM is not part of Health Net’s commercial medical benefit plans nor is it affiliated with Health Net’s provider network, and may be revised or withdrawn without notice. Decision Power is part of Health Net’s Medicare Advantage benefit plans but is not affiliated with Health Net’s provider network. Decision Power services, including Health Coaches, are additional resources that Health Net makes available to enrollees of Health Net of California and Health Net Life Insurance Company.

HMO, EOA, POS, and Salud con Health Net HMO plans are offered by Health Net of California, Inc. PPO, Flex Net, and Salud con Health Net PPO and EPO insurance plans are underwritten by Health Net Life Insurance Company. Health Net of California, Inc., and Health Net Life Insurance Company are subsidiaries of Health Net, Inc.

© 2009 Health Net of California, Inc. Health Net® is a registered service mark of Health Net, Inc. All rights reserved.

A Better DecisionSM and Decision PowerSM are service marks of Health Net, Inc. Managed Health Network is a subsidiary of Health Net, Inc. WebMD is a registered trademark/service mark of its owner. Used with permission.Copyright © 2009 Coffey Communications, Inc. CUN22944c NCQA-Q1-2009