CaliforniaChoice

The healthcare needs of each individual are personal and varied; a plan that works well for one member of the family might not address the needs of others. Specific doctors, prescriptions and financial limitations drive these considerations; however the system for healthcare benefits is not always well equipped to address them.

In 1996, CaliforniaChoice® introduced a new and effective way to meet the changing needs of employees at small California companies; while offering an effective program that would enable business owners to continue subsidizing benefits in the face of rising healthcare premiums.

The concept, known as a Defined Contribution Exchange, offers a solution that gives employers the advantage of cost control while achieving a higher level of employee retention through satisfaction. Employees can choose the health plan attributes that specifically fit their needs.

• Carrier selection
• Premium/benefit level
• Doctor network
• Formulary
• Voluntary vs. buy-up options

Our Core Offerings

CaliforniaChoice offers medical HMO, HSA and PPO plans; dental HMO, PPO and EPO; Rx; voluntary vision and multi-choice dental coverage; term life; chiropractic/acupuncture options. Our list of premier carriers include:

Health Plans

• Anthem Blue Cross (HMO and PPO)
• Health Net, Elect Open Access, Salud HMO y mas and Salud Mexico
• Kaiser Permanente
• Sharp Health Plan
• Western Health Advantage

Ancillary Plans

• Ameritas Group - Dental
• EyeMed – Vision
• Landmark Healthcare – Chiro/Acupuncture
• Assurity Life Insurance – Term Life
• SmileSaver – Dental

Advantages for Our Partners and Customers

EmployerAdvantages

• Exceptional cost control
• Guaranteed rates for 12 months
• Full choice program offering 5 health plans and formulary options, and extensive provider networks
• Simple and efficient online administration
• Single source billing
• Full team support from enrollment through renewal
• Highly effective recruitment and retention tool

Broker/Consultant Advantages

• Best selling healthcare benefits program available to small groups in California
• Level 7% commissions on medical and chiropractic; Level 12% commissions on dental and vision
• Improved client retention
• Complete sales, marketing and implementation support like none other in the business

Employee Advantages

• The freedom to choose the healthcare that suits their individual needs
• Larger doctor network
• Enhanced formulary options
• The ability to access and update plan information, conduct doctor/hospital search and order forms 24/7 via our secure website

Carrier Advantages

• Increase brand awareness
• Reduced administrative tasks and costs through automation and customer support
• Additional marketing channel