Choice Stories

October 2, 2019

5 Advantages That Make California Choice Different

It's no secret that Californians identify as being unique. From what we wear to what we drive, we take pride in standing out from the crowd. So, why should choosing health care be any different?

At CaliforniaChoice we celebrate your differences because we're different, too. We believe there are five distinct advantages that make the CaliforniaChoice health insurance exchange unique among other companies in the market.

Greater employee choice

In the past, businesses have been limited to a single option for all employees. With CaliforniaChoice, you can offer coverage options from eight different health plans: Anthem Blue Cross, Health Net, Kaiser Permanente, Oscar Health, Sharp Health Plan, Sutter Health Plus, and Western Health Advantage.

More importantly, employees can choose their coverage option based on the 84,355 unique individual health care providers and 389 unique hospitals across the state. With so many choices, you and your employees have the ability to find a plan that best fits your individual or family health care needs.

How does this work in practice? One of your employees might select a PPO because of its doctor and hospital network. Another employee, who is looking for a lower copay, might select an HMO. A third employee might select an Exclusive Provider Organization (EPO) plan, because it offers a lower premium, but still includes access to specialists without a Primary Care Physician referral. A fourth employee might like the tax advantages of a Health Saving Account-compatible plan.

With CaliforniaChoice, it’s their choice – and you get a single bill for all employees’ coverage.

Cost control

Being able to offer more choices to your employees is great, but what about cost? We have you covered there, too. Working with your broker and using Defined Contribution, you decide the amount you want to spend on your employees’ health insurance benefits. You can choose a Fixed Dollar Amount or a Fixed Percentage Amount toward a specific plan or benefit level.

Your employees use your contribution as a voucher toward the cost of the coverage they like best. If an employee chooses a plan that costs more than your contribution, he or she simply pays the difference.

Plus, your contribution is locked-in for 12 months, and you have the option to adjust it – up or down – at your renewal.

Decision-support tools

One crucial feature of CaliforniaChoice is the Smart Decision Technology that makes choosing health plans as easy as an Amazon search. There are several tools to help you and your employees find the health plan that best matches your individual or family health care needs.

  • Automated Choice Profiler: Users can compare premiums, deductibles, and other out-of-pocket expenses to get an estimated total cost of coverage. You can view side-by-side plan comparisons based on costs and quality.
  • Online Provider Search: We make it simple to find your preferred doctor. Just search by location, doctor’s name, hospital affiliation, or language(s) spoken. Now you can know in advance whether your doctor is part of the health plans you’re considering
  • Online Rx Search: You can match your prescription drug needs to available CaliforniaChoice plans. It’s easy to look up medications alphabetically, by brand or generic drug name, therapeutic classification, or health condition.

Online enrollment

Online enrollment is the easiest and most efficient way for your employees to enroll in their health plans. Transitioning to online enrollment will drastically improve the enrollment and renewal process for you and your employees.

Online enrollment speeds up plan comparisons, minimizes pending items, and reduces your overall case approval time. It also helps you track employee responses and identify those who have not yet enrolled. Because it includes built-in safeguards, online enrollment reduces errors and legibility issues, too, as well as the risk of personal information theft or loss.

Since benefits information is shared in the same way with all enrollees, there is reduced confusion – so you are likely to receive fewer questions. Online enrollment simplifies enrollment and makes the process more convenient for your entire organization.

Value-added perks

CaliforniaChoice offers great health coverage for you and your employees, but it also delivers value-added benefits you won’t find elsewhere.

For eligible groups, our Business Solutions Suite offers additional perks at no cost:

  • Premium Only Plan that allows employees to pay their share of premiums with pre-tax dollars – as well as a Flexible Spending Account that lets them put aside a portion of their earnings on a pre-tax basis to pay for eligible health care expenses.
  • HR support powered by Mammoth HR, with alerts on regulatory changes affecting your business, training on topics like benefits and Workers’ Compensation, and customizable forms, job descriptions, and an employee handbook.
  • COBRA participant invoicing, premium collection and remittance, payment tracking and processing of eligibility changes for non-payment, too.

You and your employees will both appreciate the steep discounts available through the Member Value Suite:

  • Savings on movie tickets, theme parks, sporting events, travel, retail, and more through a free Cal Perks membership.
  • Discounts up to 57% on Garmin® , Vitamix® , and Fitbit® products as well as a fitness center membership for just $25 a month through the ChooseHealthyTM program.
  • EyeMed Vision One Eyecare discounts on frames, lenses, and eye exams at participating LensCrafters, Pearle Vision, Sears, and Target locations.
  • Up to 80% off brand name and generic prescription drugs with the California Rx Card.
  • Savings of up to 50% on hearing aids, tests, batteries and other devices through the EPIC Hearing Service Plan.

Get Help from an Agent

To learn more about what makes CaliforniaChoice the right choice – for your business and your employees – talk with your health insurance agent. If you do not already have an agent, you can search for one here.

Your Beginner's Guide to Choosing a Small Business Employee Benefits Program

Do you need help choosing the right health benefits for your employees?
This guide can help!