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Plan Details - Northern California

Plans and Networks - ProviderSearch

Important: Reference the plan grid to find a doctor, hospital or other provider in your plan. Select Find a Doctor or Hospital to get started.

Want to know more before making your choice? Connect here to learn the ratings of medical groups and hospitals:

LocationCoverage levelPlan name
(Select during search for Doctors and Services)
Northern CaliforniaGold II and Platinum HMOHMO – CanopyCare
CaliforniaBronze, Bronze Plus, Silver PPOAON California PPO (Bronze, Bronze Plus, Silver)
CaliforniaPlatinum PPOCalifornia PPO (Platinum PPO)

Call 888-926-1692 to confirm provider availability
California out-of-state travel/dependentsBronze, Bronze Plus, Silver, and Platinum PPOVisit the National PPO Network website

CanopyCare HMO

Northern California in-network only plan

Health Net's CanopyCare HMO uses the Canopy Health provider network that connects you to local, trusted, high-quality providers and hospitals. You simply choose a primary care physician (PCP) from our CanopyCare HMO provider networks. Your PCP will oversee all your health care-related services, including referrals and authorizations to specialists.

With CanopyCare HMO you have access to the entire Canopy Health network made up of 6 prominent medical groups with over 5,500 physicians, 30+ contracted hospitals/medical centers, and 70+ urgent care centers.* Your doctor can refer you to any specialist in the Canopy Health network even if that doctor isn't part of your medical group.

CanopyCare HMO brochure (PDF)


Available in Northern California Bronze, Bronze Plus, Silver, and Platinum levels

Health Net's PPO plans give members the flexibility to go directly to any doctor of their choosing – without having to select a PCP for care or referrals. Our PPO plans offer a large network of local medical providers and cover a wide range of medical services. For even more convenience, no claims need to be filed when members visit an in-network provider. And the Cigna Healthcare PPO Network1 that's available to members in Health Net's PPO plans provides access to participating providers when they live or travel outside of California.

Remember, to keep your costs as low as possible, go to doctors and specialists in your plan's PPO network. Doctors who aren't in your network may charge more than Health Net will pay. You may have to pay the difference between what the out-of-network doctor charges and what Health Net pays. This is called balance billing. You pay these costs in addition to your deductible, copays, coinsurance and your monthly premium. Balance billing amounts are not covered by your plan and won't apply to your annual deductible or your out-of- pocket maximum. You cannot be balanced billed for emergency services, including hospital or emergency room charges, emergency physician treatment and ground or air ambulance transportation.

Get cost estimates

Log in to your Health Net member account to get estimates of your costs for medical procedures and services ahead of time. Compare these costs at different providers to make more informed choices.


MinuteClinic is a convenient health care service, staffed by board certified nurse practitioners and physician assistants.

You can find MinuteClinics inside select CVS Pharmacy™ and Target stores. It's an ideal solution when you can't see your doctor and need nonemergency treatment.

Visit MinuteClinic to:

  • schedule an in-person appointment
  • find a current list of locations and services

Reference Guides

Urgent Care Centers

Urgent care is for a situation that is urgent but not life-threatening. Urgent care centers are convenient and economical and staffed by physicians. They are especially useful when you are out of your usual service area.*

* Refer to your Evidence of Coverage (EOC) document for benefit and coverage information pertaining to urgent care services.

1 The Cigna HealthcareSM PPO Network refers to the health care providers (doctors, hospitals, specialists) contracted as part of the Cigna Healthcare PPO for Shared Administration.

Cigna Healthcare is an independent company and not affiliated with Health Net of California. Access to the Cigna Healthcare PPO Network is available through Cigna Healthcare’s contractual relationship with Health Net of California. All Cigna Healthcare products are provided exclusively by or through operating subsidiaries of Cigna Corporation, including Cigna Health and Life Insurance Company. The Cigna name, logo, and other marks are owned by Cigna Intellectual Property, Inc.