Our Support & Resource Center


In these challenging times, we have some good news.

Congress approved, and President Trump has signed, a $2 trillion Coronavirus stimulus bill to help small businesses and others coping with the COVID-19 pandemic.

The new legislation includes the “Keeping American Workers Paid and Employed Act,” which provides $350 billion in Small Business Administration (SBA) loans to assist employers who keep employees on payroll and pay rent and insurance premiums.

For more information, or to apply for a loan, please visit the SBA website.

If you decide to pursue an SBA loan, we encourage you to speak with a tax professional to better understand the implications for your business. Be well and stay safe.

The U.S. Senate passed a $2 trillion Coronavirus stimulus bill last night designed to provide economic relief to all Americans.

The bill is with the U.S. House of Representatives and will route to President Trump for his signature; the bill is expected to get approved tomorrow.

Included in the bill is the “Keeping American Workers Paid and Employed Act,” which provides $350 billion in loans for small businesses to cover salary, wages, and benefits worth 250% of an employer’s monthly payroll, with a maximum loan of $10 million.

Businesses with fewer than 500 employees will be able to work with the Small Business Administration to get more information and apply for a loan. Loans will be forgiven for qualifying groups who use their loan to keep employees on payroll, pay rent and insurance premiums, and other guidelines in the law. Please consult your tax professional with questions.

For a copy of the details before the House of Representatives, click here. We encourage you to review the information on the Small Business Administration website and we will share more information as it becomes available.

As concerns regarding COVID-19 grow, we are committed to keeping our employees and customers safe, and continuing to service you and your employees. Therefore, while we are open for business, we are mobilizing our operation, where possible, and restricting visitors to our office effective immediately.


How This Temporary Change Affects Your Monthly Payment

At this time, we ask that you pay your monthly bill online rather than mailing it or dropping off a check at our office. This ensures your payment will be processed quickly and prevents possible delays resulting from any business impact due to the current public health crisis.

If you have not already, please go to calchoice.com and register. Once you have registered, you can:

If you have questions about your account or need help setting up automatic payments, please call our Customer Care Team at 800.558.8003, Monday through Friday, 8:00 a.m. to 5:00 p.m.

We wish you good health and thank you for placing your business with us.



Stay Updated with Our Carrier Partners

You may have employees wondering how their health plan is responding to COVID-19. The links below provide you with information, by carrier. Please feel free to share with your employees.

If employees prefer to contact their carrier directly, they can use the number on the back of their member ID card.

If you’re a small business owner and you’ve spent some time shopping for health insurance for your employees, you’ve likely encountered the terms “Group Health” and “Blanket Health.” Here’s an overview to help you understand how each type of coverage works and how they apply to your business.


What is a Group Health Insurance Policy?

A Group Health Insurance policy offers health benefits to your employees as well as spouses or other eligible dependents. It provides employees with medical benefits when they visit a health care provider like a doctor, urgent care facility, or hospital. A Group Health Insurance policy may also include coverage for prescription drugs and other health and wellness benefits – like discounts on Vision, Dental, or the option to purchase Life Insurance.


What is a Blanket Health Insurance Policy?

Despite its name, a Blanket Health insurance policy is less comprehensive than a Group Health policy. In fact, it is most often an accident-only policy issued to cover a group of individuals engaged in a specific activity. For example, school districts, colleges and universities, and sports teams can purchase Blanket Health coverage to provide health benefits to athletes and cheerleaders. These policies may also be issued to civic, non-profit, or religious organizations for participants in (or employees of) ongoing or one-time events or camps. Volunteer firefighters may be covered by a Blanket Health policy for medical treatment in connection with accidental injury related to their fire-fighting roles.


Most importantly, a Blanket Health insurance policy typically has limits on the types of covered tests, procedures, and services. There may also be a maximum covered benefit – ranging from $5,000 to $50,000 of eligible expenses – for treatment of individuals under this type of policy.


More on How the Policies Differ

In contrast to a Blanket Health insurance policy, a Group Health insurance policy – particularly one that includes the Essential Health Benefits (EHBs) mandated by the Affordable Care Act (ACA) – does not have a dollar limit on what it will pay for care received by you and your employees while you are insured. The ACA actually prohibits health insurers from limiting your annual or lifetime coverage expenses for EHBs under a Group Health plan.


In addition, a Group Health policy typically covers you for a full plan year (12 months). If you want coverage long-term, a Group Health policy may be a better choice for you, since a Blanket Health policy may have a limited term duration.


Choosing What’s Right for You

Taking the time to educate yourself on the differences between Group Health insurance and Blanket Health insurance policies is an important step in choosing coverage that’s right for you. To find out if your business qualifies for Group Health insurance, click here or talk with your employee benefits agent. To explore this subject further, consider reading 7 Things to Know About Offering Group Health Insurance.


Your employee benefits agent can also provide you with a quote for health insurance for your employees. If you’re not currently working with an agent, go here to find a licensed expert in your area.

In the midst of the COVID-19 virus outbreak, many companies, both large and small, have begun implementing work-from-home policies.

Among them are Google, Microsoft, Spotify, Apple, Twitter, the list goes on. Many companies even took a step further step by closing their brick-and-mortar stores, like Apple and Nike.

If you’re thinking about having your employees work from home in an effort to help prevent the spread of the virus, you need to figure out how to keep them on track.

Here are a few tips:


Keep their environment in mind

With many school districts shutting down, it is important for managers to be mindful of their employees’ home environment. Parents, for example, might have more difficulty working from home when kids are present, while others might have pets that are often a distraction. Some employees might not have a designated office area in their homes from which to work, so being understanding of their situation is crucial.



It is crucial you and your team keep an open line of communication to keep everyone updated on projects and deadlines. Use email, Skype, Slack, Hangouts, or whatever app your company prefers.


Avoiding loneliness

Working from home is not a reason you shouldn’t hold meetings with your team. Help keep them motivated and push their productivity button by making them feel as if they were in the office. Holding meetings with video calls is a good way to keep employees engaged.


Team unity!

At every stage of the process, inform your employees about company updates regarding work policies, including information shared from their health care providers, to reassure them of your business unity.


Healthcare updates

If you offer health insurance to your employees, learn about the updates they put out that might affect your employees.

If you are a CaliforniaChoice member, please check this post with updates from our carriers:


Do your research

Below are a few links to other articles and posts about implementing work-from-home policies; we encourage you to review and share the information:

My boss says I have to work from home because of coronavirus pandemic. Do I have to?

Suddenly working at home? We’ve done it for 22 years—and have advice

Use these 6 tips for better video calls while working at home

8 Tips To Make Working From Home Work For You

As concern grows regarding the Coronavirus (COVID-19), please know the team at CHOICE Administrators is committed to providing a safe environment for our employees and visitors to our office, and ensuring business continues as usual.

However, in the event of a serious disruption to the market, we have a Business Continuity Plan in place. Our business operations supporting CaliforniaChoice and ChoiceBuilder will continue and your employees will have access to the health care they need.

For details on what our health plan partners are sharing with members, please see below:

Stay safe – steps to protect you and your employees

Keeping your business healthy is key. In alignment with the Centers for Disease Control and Prevention, be sure to remind your employees to:

We wish you good health and thank you for placing your business with us.

Remember, you can manage your account at www.calchoice.com or www.choicebuilder.com: