Choice Stories

October 3, 2018

5 Reasons Small Businesses Choose CaliforniaChoice

In 1996, CaliforniaChoice challenged the health care status quo. We created the first multi-carrier, employee-choice private health insurance exchange designed to meet the needs of small businesses in California. Today, CaliforniaChoice serves more than 18,000 employers and 300,000 members, and our membership continues to grow.

If your organization has fewer than 50 employees, CaliforniaChoice can help you deliver valuable health insurance options to your employees. Here are five reasons to choose CaliforniaChoice:

 

1. Employee Choice

The modern workplace has evolved. Offering a single health plan option to your multigenerational workforce is no longer sufficient. Today’s employees have different health care needs. To compete for the most talented workers, you must be able to give your employees a choice.

CaliforniaChoice offers you access to eight different health plans statewide – and the greatest access to doctors, specialists, and hospitals in California – through a single program. You and your employees can choose from dozens of Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Exclusive Provider Organization (EPO), Health Care Service Plan (HSP), and Health Savings Account (HSA) compatible options.

For example, one employee might select a PPO from Anthem Blue Cross because of a specific doctor or hospital in its network. A second employee might choose an HSP from Health Net. Another employee who wants a lower copay plan might select an HMO from Kaiser Permanente or UnitedHealthcare. A fourth employee might want access to a regional option like Oscar, Sharp Health Plan, Sutter Health Plus, or Western Health Advantage. With us, the choice is yours.

 

2. Employer Cost Control

Controlling benefits costs is an important consideration for employers, and CaliforniaChoice makes it easy. Using what we call Defined Contribution, you choose how much you want to contribute to your employees’ health insurance premiums. You can choose a Fixed Percentage Amount (50% to 100%) toward a specific benefit, or a Fixed Dollar Amount, for each employee. (Your contribution must be the same for all employees.)

Each employee then uses your generous contribution toward the cost of the plan he she prefers. (Think of it as a sort of health care voucher.) If employees pick plans that costs more than your contribution, they simply pays the difference.

The amount you choose is locked in for a full year – and you can change it at your group’s renewal.

 

3. Optional Benefits

CaliforniaChoice offers great medical benefits for your employees, and the opportunity to offer additional benefits like Dental, Vision, Chiropractic & Acupuncture, and Life and AD&D. Employees can tailor their coverage to their specific individual or family needs.

CaliforniaChoice gives you the ability to meet nearly all of your employees’ health needs without the hassle of dealing with multiple insurance agents.

 

4. Free Value-Added Extras

When you make CaliforniaChoice coverage available to your employees, you also get no-cost extras.

 
Business Solutions Suite
1-14 Employees 15-19 Employees 20+ Employees
Discount Dental Discount Vision Discount Hearing Program Premium Only Plan (Initial set-up fee covered at no cost) Online HR Cal Perks Employee Discounts Prescription Drug Discount Card HSA Resource Center Cal-COBRA Billing Discount Dental Discount Vision Discount Hearing Program Premium Only Plan (Initial set-up fee covered at no cost) Online HR Cal Perks Employee Discounts Prescription Drug Discount Card HSA Resource Center Cal-COBRA Billing Flexible Spending Account Discount Dental Discount Vision Discount Hearing Program Premium Only Plan (Initial set-up fee covered at no cost) Online HR Cal Perks Employee Discounts Prescription Drug Discount Card HSA Resource Center Flexible Spending Account Federal COBRA Billing
 

5. Easy Enrollment and Single Source Administration

CaliforniaChoice offers Smart Decision Technology to streamline the enrollment process, provide more information about each available plan, and simplify the process of finding the right doctor.

You can choose online or paper enrollment, or a combination, depending on the method that best suits your employees. In addition, throughout the year, your agent or our Customer Service team will help you when you hire a new employee, add coverage for a dependent, or make other changes.

 

Talk to an Agent to Learn More

If you’re ready to find out how CaliforniaChoice can help you offer health insurance to your employees, contact your employee benefits agent. If you don’t have an agent, we can help you find one.

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