Step 1: Pick a plan

CalPERS offers Health Net HMO health plan options to Basic members. Our HMO plans use a provider network that connects you to local, trusted, high-quality providers and hospitals. HMO plans are ideal if you prefer a primary doctor to coordinate all your medical care at predictable costs. You simply choose a primary care physician (PCP) from our network of providers. Your PCP will oversee all your health care-related services, including referrals and authorizations to specialists. Our HMO plans offer affordability, predictability and convenience:

  • $0 medical deductibles
  • Fixed copayments for most services
  • Your doctor to direct most of your health care needs
  • You don’t need a referral to see an OB/GYN in the PPG, just make your appointment.
  • No claim form filing (with the exception of emergency out-of-network care)
  • Incentives to help you improve your health and well-being.

SmartCare HMO and Salud HMO y Más Service Area Map

Map of california counties.

Salud HMO y Más – available in 6 counties: Kern,* Los Angeles,* Orange, Riverside,* San Bernardino,* and San Diego*.

SmartCare HMO – available in 20 counties: Alameda, Contra Costa, Fresno,* Kern,* Kings, Los Angeles, Marin, Napa, Orange, Riverside,* San Bernardino,* San Diego,* San Francisco, San Joaquin, San Mateo, Santa Clara, Santa Cruz, Solano, Sonoma, and Tulare.

*Partial county.

SmartCare HMO is right for you if you want:

Salud HMO y Mãs is right for you if you want:

Step 2: Choose a doctor

When enrolling in an HMO plan, please make sure your primary care physician (PCP) or participating physician group (PPG) is part of your plan's provider network. Each eligible member of your family can choose a different PCP and a different PPG to meet their personal needs. A PPG is sometimes referred to as a "medical group".

ProviderSearch tips

  • Before using our ProviderSearch tool, log in to your Health Net member account.
  • Make sure your location is within the Health Net CalPERS contracted area.
  • Select a plan – Salud HMO y Mãs (CalPERS members only) or HMO - SmartCare Network Large Group (with walk-in clinics) – from the drop down filter to narrow your results to CalPERS contracted providers.
  • Write down your doctor's name, medical group name, plus the 6-digit Provider ID number. (You'll need to put this information in the "Notes" section of the my|CalPERS site).

Visit my|CalPERS website

Step 3: Enroll in Health Net today!

Once you've compared the various health care coverage options that are available to you during Open Enrollment, contact your health benefits officer or personnel office for required forms and documentation.

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