How to Submit a Superbill to Health Net

Health Net is a California-focused health insurer now part of Centene Corporation, serving members in California, Oregon, and Washington. California's strong mental health parity laws give Health Net members particularly robust OON therapy protections.

Overview: Health Net and Out-of-Network Mental Health Benefits

Health Net was acquired by Centene Corporation and continues to operate under its own brand in the Western US. Health Net offers commercial (employer-sponsored), individual Marketplace, and Medi-Cal (California Medicaid) plans. Commercial and individual PPO plans typically include OON mental health benefits; HMO plans have limited OON coverage.

California's AB 218 (mental health parity law) requires health plans to cover mental health services at parity with medical/surgical benefits. This gives California Health Net members stronger leverage when seeking OON mental health reimbursement — and stronger appeal rights if a claim is denied. For more context on the general process, see our step-by-step superbill submission guide. For a full overview of Health Net coverage, visit our Health Net insurance guide.

Health Net processes OON behavioral health claims through its standard claims department at healthnet.com. Most PPO plans do not require a referral for OON mental health services, but confirm your plan's requirements before beginning treatment.

Step-by-Step Process for Submitting to Health Net

1. Get your superbill from your therapist. Request a superbill covering all sessions you want to submit. Health Net accepts batch submissions covering multiple dates of service on one claim.
2. Log in to your Health Net member account. Go to healthnet.com and sign in with your member credentials. Navigate to the claims section and select Submit a Claim. This is the fastest and most reliable method.
3. Complete the online claim form. Health Net will ask for provider name, dates of service, CPT codes, and amounts charged. Upload the superbill PDF as supporting documentation.
4. Alternative: mail your claim. Download the Health Net OON claim form from healthnet.com and mail it with your superbill to the claims address on your ID card. Use certified mail for your records.
5. Note your confirmation number. After online submission, screenshot the confirmation page. After mailing, retain the certified mail receipt.

What to Include With Your Health Net Claim

Health Net requires the superbill to contain all required superbill fields. Specifically for Health Net, confirm your superbill includes:

• Provider full name, NPI (Type 1), and practice address
• Provider Tax ID (EIN or SSN) and professional license number
• Your name, date of birth, and Health Net member ID number
• Date(s) of service
• CPT procedure code (e.g., 90837 for 60-minute therapy) and description
• ICD-10 diagnosis code (e.g., F41.1 for generalized anxiety)
• Place of service code (11 for office; 10 for telehealth)
• Fee charged per session and amount you have already paid

Health Net's Processing Timeline

Health Net typically processes OON mental health claims within 30–45 days of receipt. Online submissions are received immediately; mailed claims add several days for postal transit. You will receive an Explanation of Benefits (EOB) in your healthnet.com portal before any payment is issued. Payment arrives by check or direct deposit if configured.

Health Net's filing deadline for most commercial plans is 365 days from the date of service in California, consistent with California insurance regulations.

Common Issues When Submitting to Health Net

• HMO plan limitations: Health Net HMO members generally cannot receive OON reimbursement for routine outpatient therapy. Verify your plan type (PPO vs. HMO) before submitting.
• Medi-Cal plan limitations: Health Net Medi-Cal members have no OON mental health benefits for routine outpatient therapy.
• Centene integration changes: Since the Centene acquisition, Health Net has updated some portal features. If you have trouble navigating healthnet.com, call Member Services for guided assistance.
• Missing NPI: Health Net will reject claims without a valid provider NPI. Confirm your therapist's NPI is Type 1 (individual) and matches the NPI Registry.

Tips for a Smooth Health Net Claim

• Call Member Services before your first claim to verify OON deductible, coinsurance rate, and California-specific plan requirements.
• Use the healthnet.com portal to track claim status after submission.
• California's AB 218 and mental health parity protections give you strong appeal rights if your claim is denied. The California Department of Managed Health Care (DMHC) can assist with independent medical reviews if internal appeals fail.
• Submit monthly in batches rather than after every session to reduce administrative overhead and keep submission dates easy to track.

Superbilled makes it easy to generate Health Net-ready superbills with all required fields pre-filled. Once your therapist sends you the superbill, you can submit directly to Health Net through the healthnet.com portal or by mail using the steps above.