Broker products to meet your diverse client needs.

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


Rating

NR

Not Rated
A. M. Best

  • Medical

    • Small Group

      • California

      * Online quoting available

    • Large Group

      • None
    • Self-Funded

      • None
    • Individual

      • None
    • Senior

      • None
  • Dental

    • Small Group

      • California

      * Online quoting available

    • Large Group

      • None
    • Self-Funded

      • None
    • Individual

      • None
    • Senior

      • None
  • Vision

    • Small Group

      • California

      * Online quoting available

    • Large Group

      • None
    • Self-Funded

      • None
    • Individual

      • None
    • Senior

      • None
  • Life

    • Small Group

      • California

      * Online quoting available

    • Large Group

      • None
    • Self-Funded

      • None
    • Individual

      • None
    • Senior

      • None

Small Group

Large Group

Self-Funded

Individual

Senior

  • Medical

    • California

    * Online quoting available

    • None
    • None
    • None
    • None
  • Dental

    • California

    * Online quoting available

    • None
    • None
    • None
    • None
  • Vision

    • California

    * Online quoting available

    • None
    • None
    • None
    • None
  • Life

    • California

    * Online quoting available

    • None
    • None
    • None
    • None