How Does the Health Net SmartCare Plan Work?

We are proud to include Health Net as one of our carrier partners. Click here to learn more about their affordable, high-quality SmartCare plans.

At Canopy Health, we’re proud of the plans our carrier partners offer. Health Net’s SmartCare offers large group employers an impressive combination of easy-to-understand plan options, affordable price points, and access to our alliance of over 5,000 physicians and 18 hospitals across 8 Bay Area counties.

Picking the Right Health Plan Is an Important Decision

Healthcare benefits are an important part of an employers’ compensation offerings. 73% of the workforce believes employers have a responsibility to look out for their employees’ health and wellness. 58% of employees prefer benefit packages that reflect their personal needs, rather than one-size-fits-all offerings. 

Thankfully, most employers now realize healthcare benefits can improve productivity, employee retention, morale, and help attract high-performing job applicants. It’s important that your clients weigh more than cost when they select an employer-funded health plan or portfolio. 

Employers should weigh the potential risks and benefits of their healthcare offerings by asking:

  • Am I getting a high-quality plan at a fair price?
  • Do I understand the plan’s offerings?
  • Am I offering the type of healthcare services my employees want and need? 
  • Am I experiencing attrition or decreased productivity related to healthcare issues?
  • Does my current carrier see itself as a partner in my employees’ health?

At Canopy Health, we believe Health Net’s SmartCare plans offer the ideal balance of choice, high-quality care, ease of use, and commitment to wellness.

Health Net SmartCare: A Tailored Plan That Offers Comprehensive Healthcare

Health Net’s SmartCare HMO plan is available to large group employers in Alameda, Contra Costa, Marin, San Francisco, San Mateo, Santa Clara, Solano, Sonoma, and 15 other California counties. Health Net prides itself on its:

  • Simplified, easy-to-understand plan options
  • Two built-in prescription medication plan options
  • Flexibility (you can offer multiple Health Net plans alongside SmartCare)
  • Fair pricing models
  • Focus on preventive care (preventive office visits typically have a $0 co-pay)
  • A recognized commitment to multicultural healthcare

All SmartCare plans offer behavioral health, chiropractic, and acupuncture services.

As an HMO, SmartCare members work closely with the primary care physician (PCP) of their choice. This doctor oversees all their care: monitoring chronic medical conditions, making referrals, and educating them about their healthcare options. Ideally, their PCP will focus on long-term health and wellness and might reduce the member’s healthcare costs and time off with proactive, preventive care. Rather than focus on an individual date of service, your PCP should consider himself or herself a partner in your healthcare.

Lower Healthcare Costs for Everyone

Because SmartCare is a tailored plan with a focused network, its costs are lower than many other health plan options. This gives employers the ability to offer local, high-quality healthcare at a reasonable price. Employees also can receive gift cards when they invest in their health care by completing and sharing a risk assessment. They also can get help making informed health decisions through Health Net’s Decision Power® program.

How Do SmartCare Members Select Canopy Health?

Choosing Canopy Health is easy. Once an employee enrolls in a Health Net SmartCare plan, he or she will select a primary care physician. When a member chooses a PCP within our alliance, they automatically become part of Canopy Health. Currently, our alliance includes PCPs at:

  • Hill Physicians Medical Group
  • John Muir Physician Network
  • Meritage Medical Network
  • Santa Clara County IPA (SCCIPA)

As part of Canopy Health, members have access to our robust network of physicians, hospitals, outpatient care centers, and other providers. To find Canopy Health physicians near you and your workplace, search our provider database.


MetLife 15th annual U.S. employee benefit trends study (2017). MetLife. Retrieved from