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Cal Choice Advantage

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CaliforniaChoice gives you and your employees the freedom to choose coverage from a range of different health plans in a single program. “Choice” is a part of our name – and we have been offering more health plan options to Californians since 1996.

Choice is important, but having information to help you understand the advantages offered by each of your health plan options is essential, too. That’s why we launched this ongoing series of comparisons to break it down for you.

The comparison below looks at the benefits of UnitedHealthcare and Cigna + Oscar, both available statewide through the CaliforniaChoice program.

UnitedHealthcare

UnitedHealthcare of California provides access to quality care and helps you manage your family’s health care costs. The insurer’s large California HMO network includes local physicians and health care professionals in your community. Offering a combination of benefits, quality care, wellness programs to help keep you and your family healthier, and award-winning customer service makes UnitedHealthcare the smart choice for your family’s health care coverage needs.

UnitedHealthcare Benefits Overview

Cigna + Oscar

Partnering in 2020, Cigna + Oscar is designed to work for small businesses. It brings together the power of Cigna’s nationwide and local provider networks and Oscar’s member-focused experience. The companies offer affordable, fully insured health benefits for small businesses and their employees.

Cigna + Oscar Benefits Overview

The CaliforniaChoice Advantage

With CaliforniaChoice, you and your employees have more choice – and the ability to find health insurance that meets your unique needs. One of your employees might choose an EPO plan because of its health network and direct access to in-network specialists. Another employee might select HMO coverage because of its lower out-of-pocket costs. With CaliforniaChoice, they both get what they need – while other employees have the option to choose from dozens of coverage options through other plans.

There are benefits for you, too – like a single monthly bill for all of your employees’ coverage and single-source administration for enrollment, eligibility, and customer care.

Check back to see additional comparisons on other CaliforniaChoice plans, including:

An employee benefits agent can provide you with more information about the advantages of CaliforniaChoice and available coverage options. If you don’t already have an agent, you can search for one here.

Health care is not one size fits all. That’s why CaliforniaChoice gives you the freedom to choose from a variety of different health plans in a single program.

Understanding your health plan options, and their unique benefits, is just as important as having choices. Our health plan comparison series puts a spotlight on the subject. In this comparison, we explore the benefits of Sharp Health Plan and Kaiser Permanente, two popular health plans available through CaliforniaChoice.

Sharp Health Plan

Sharp Health Plan is the only local, commercial health plan serving San Diego since 1992. As a non-profit company, Sharp Health Plan gives back to the community by providing access to affordable health care of the highest quality, serving a variety of organizations ranging from small businesses to large employers to municipalities.

Sharp Health Plan Benefits Overview

Kaiser Permanente

Kaiser Permanente was founded in 1945, and it was one of the nation’s first health programs to offer comprehensive health care services on a prepaid basis.

Headquartered in Oakland, California, Kaiser Permanente’s innovative spirit drives the country’s largest non-profit health care organization – guided by physicians and focused on providing high-quality care to members.

Kaiser Permanente Benefits Overview

The CaliforniaChoice Advantage

With CaliforniaChoice, you and your employees can find a health plan that best meets your individual needs. One of your employees might choose the benefits of a “hometown” health care provider like San Diego-based Sharp Health Plan. Another employee might prefer Kaiser Permanente because of its statewide provider network. With CaliforniaChoice, they both get what they want – plus the option to choose from seven other plans, too.

The advantages of CaliforniaChoice are not just for your employees. There are benefits for you, too — like the ability to manage all of your employees’ health insurance benefits in a single program and pay just one monthly bill. CaliforniaChoice also offers single source administration for enrollment, eligibility, and customer service.

Check back to see additional CaliforniaChoice comparisons for these health plans:

An employee benefits agent can help you learn more about all of the advantages and coverage options from CaliforniaChoice. If you do not have an agent, we can help you can find one here.

CaliforniaChoice recognizes the importance of having choices when it comes to something as important as health care. That’s why we’ve created the most diverse portfolio of health benefits on the market. We give you and your employees the freedom to choose from a roster of different health plans in a single program.

We’re highlighting the key offerings of each available health plan in our plan comparison series. This comparison features Sutter Health Plus and Cigna + Oscar.

Sutter Health Plus

Not-for-profit Sutter Health Plus offers competitively priced HMO health plans in the Greater Central Valley, Sacramento, and San Francisco Bay Area. When you choose Sutter Health Plus, you gain access to a high-quality provider network that includes many of Sutter Health’s nationally respected and recognized hospitals, doctors, and other health care services – all at an affordable price.

Sutter Health Plus Benefits Overview

Cigna + Oscar

Partnering in 2020, Cigna + Oscar is designed to work for small businesses. It brings together the power of Cigna’s nationwide and local provider networks and Oscar’s member-focused experience. The companies offer affordable, fully insured health benefits for small businesses and their employees.

Cigna + Oscar Benefits Overview

The CaliforniaChoice Advantage

With CaliforniaChoice, you and your employees have more choice – and the ability to find health insurance that meets your unique needs. One of your employees might choose an EPO plan because of its health network. Another employee might select HMO coverage from a regional or statewide plan. With CaliforniaChoice, they both get what they need – while other employees have the option to choose from dozens of coverage options.

There are benefits for you, too – like a single monthly bill for all of your employees’ coverage and single-source administration for enrollment, eligibility, and customer care.

Check back to see additional comparisons on other CaliforniaChoice plans, including:

An employee benefits agent can provide you with more information about the advantages of CaliforniaChoice and available coverage options. If you don’t already have an agent, you can search for one here.

You and your employees know that having choices is important. We do, too – “choice” is part of our name. CaliforniaChoice gives you the freedom to choose from a roster of health plans in a single employee benefits program.

However, having choices is not enough if you don’t understand how each health plan we offer differs. You need to understand the advantages offered by each. Our ongoing series of plan comparisons breaks it down for you.

The comparison below looks at Anthem Blue Cross, available statewide, and Sharp Health Plan, available regionally in the San Diego area.

Anthem Blue Cross

Among the top insurers in the state, Anthem Blue Cross delivers health insurance coverage to millions of Californians. The insurer offers health improvement programs, simplified administration, and flexible, innovative benefits. 

Anthem Benefits Overview

Sharp Health Plan

Sharp Health Plan is the only local, commercial health plan serving San Diego since 1992. As a non-profit company, Sharp Health Plan gives back to the community by providing access to affordable health care of the highest quality, serving a variety of organizations ranging from small businesses to large employers to municipalities.

Sharp Health Plan Benefits Overview

The CaliforniaChoice Advantage

You can offer your employees coverage from nine health plans through CaliforniaChoice – so it’s easy to find one that best meets their unique health care needs. For example, one employee might select Anthem Blue Cross because it includes a preferred doctor, while another employee might choose Sharp Health Plan because of its premier regional provider network. With CaiforniaChoice, they both get what they prefer, while other employees have access to additional regional and statewide health plan options.

CaliforniaChoice offers other advantages, too. Like one monthly bill for all employees’ coverage, a Member Value Suite with discounts on gym memberships and fitness gear, a Business Solutions Suite that includes a no-cost Premium Only Plan, and a single email and toll-free phone number for customer care.

Visit our website again to see other CaliforniaChoice plan comparisons, including:

For additional information about CaliforniaChoice and its Member Value Suite and Business Solutions Suite, talk with your employee benefits agent or health insurance broker. If you don’t already have one, we can help you find one here.

We all love choices, but the reality is navigating the complexities of health insurance can be overwhelming — for both you and your employees. Each of you is different; you have different health care needs, budgets, and preferences. The truth is, there is no single health plan that works for everyone. That’s what’s why we do things differently at CaliforniaChoice.

CaliforniaChoice offers HMO, PPO, and EPO coverage options from the state’s top health plans in a single program. We’re proud to announce the newest addition to the CaliforniaChoice program: Cigna + Oscar. In this series, we break down your options and compare key benefits of each of our participating health plans. The comparison below looks at how Cigna + Oscar compares to Sharp Health Plan.

Cigna + Oscar

Partnering in 2020, Cigna + Oscar is designed to work for small businesses. It brings together the power of Cigna’s nationwide and local provider networks and Oscar’s member-focused experience. The companies offer affordable, seamless, fully insured health benefits for small businesses and their employees.

Cigna + Oscar Benefits Overview

Sharp Health Plan

Sharp Health Plan is the only local, commercial health plan serving San Diego since 1992. As a non-profit company, Sharp Health Plan gives back to the community by providing access to affordable health care of the highest quality, serving a variety of organizations ranging from small businesses to large employers to municipalities.

Sharp Health Plan Benefits Overview

The CaliforniaChoice Advantage

With CaliforniaChoice, you and your employees can find a health plan that best meets your individual needs. One of your employees might choose an EPO from Cigna + Oscar. Another employee might prefer a HMO plan from Sharp Health Plan. With CaliforniaChoice, they both get what they want – plus others have the option to choose from additional plans, too.

The advantages of CaliforniaChoice are not just for your employees. There are benefits for you — like the ability to manage all of your employees’ health insurance benefits in a single program and pay just one monthly bill. CaliforniaChoice also offers single source administration for enrollment, eligibility, and customer service.

Check back to see additional CaliforniaChoice comparisons for these health plans:

An employee benefits agent can help you learn more about all of the advantages and coverage options from CaliforniaChoice. If you do not already have an agent, we can help you can find one here.

Everyone’s health care needs are different. That’s the idea on which CaliforniaChoice was built 25+ years ago. CaliforniaChoice gives people the freedom to choose the health plan that fits their unique needs. That’s because we offer access to nine premier health plans in a single health insurance program.

Knowing the key benefits of each of our plans helps members determine which health plan is right for them. Our CaliforniaChoice plan comparison series takes a closer look at what you can expect from each. This comparison highlights Health Net and Oscar Health.

Health Net

Established in 1977, Health Net of California is among the state’s largest health insurers. It offers a range of coverage options to millions of California residents. Within the CaliforniaChoice program, you and your employees can choose from 12 different HMO options.

Health Net Benefits Overview

Oscar Health

Oscar is the country’s first technology-driven health insurer focused on improving the member experience through easy, personalized service.

Oscar for Business was launched to bring the same Oscar experience that individuals already love to the employer market.

 Oscar Benefits Overview

The CaliforniaChoice Advantage

With CaliforniaChoice, you and your employees can find a health plan that best meets your needs. For example, one of your employees might choose an HMO from Health Net because of its statewide provider network. Another employee might prefer the technology focus of a plan like Oscar. With CaliforniaChoice, they both get what they want – plus the option to choose from other plans, too.

The advantages of CaliforniaChoice are not just for your employees. There are benefits for you — like the ability to manage all of your employees’ health insurance benefits in a single program and pay just one monthly bill. CaliforniaChoice also offers single source administration for enrollment, eligibility, and customer service.

Check back to see additional CaliforniaChoice comparisons for these health plans:

An employee benefits agent can help you learn more about all of the advantages and coverage options from CaliforniaChoice. If you do not have an agent, we can help you can find one here.

If you’re interested in giving your employees the freedom to choose from nine different health plans in a single program, CaliforniaChoice is for you. Choice is a part of our name – and we have been offering more of it to Californians since 1996.

Having a variety of PPO, HMO, EPO, and other health plan options is important, because it gives you the opportunity to match a plan to your specific health care needs. We launched our health plan comparison series in 2020 to help you understand the advantages offered by each of the nine health plans that are part of CaliforniaChoice.

The comparison below looks at Kaiser Permanente and Anthem Blue Cross, both available statewide.

Kaiser Permanente

Kaiser Permanente was founded in 1945 and was one of the nation’s first health programs to offer comprehensive health care services on a prepaid basis.

Headquartered in Oakland, California, Kaiser Permanente’s innovative spirit drives the country’s largest non-profit health care organization – guided by physicians and focused on providing high-quality care to members.

Kaiser Permanente Benefits Overview

Anthem Blue Cross

One of the state’s largest insurers, Anthem Blue Cross delivers coverage to millions of Californians. The insurer offers flexible, innovative benefits, health improvement programs, and simplified administration.

Anthem Benefits Overview

The CaliforniaChoice Advantage

CaliforniaChoice gives you and your employees the ability to choose the health plan that meets your unique needs. For example, one of your employees could choose Anthem Blue Cross because of its statewide network. Another employee could select Kaiser Permanente because of its 24/7 accessibility to nurses and doctors.

However, the advantages of CaliforniaChoice go beyond great health insurance options. There are extras for employers, too. CaliforniaChoice offers single source administration for enrollment, billing, eligibility, and customer service. You can manage all of your employees’ health insurance benefits in a single program – and pay just one monthly bill.

Check back to see additional plan comparisons, including:

Your employee benefits agent or insurance broker can help you learn more about all of the coverage options from CaliforniaChoice. If you don’t already have an agent, you can find one here.

Health care is not one size fits all, which is why CaliforniaChoice gives you the freedom to choose from nine different health plans in a single program. With so many options, CaliforniaChoice fits the diverse health care needs of your employees – there’s a plan for everyone.

To help you understand the key benefits of plans offered through the CaliforniaChoice program, we’re comparing each of them and highlighting what makes them unique. In this comparison we’re looking at Cigna + Oscar and Kaiser Permanente.

Cigna + Oscar

Partnering in 2020, Cigna + Oscar is designed to work for small businesses. It brings together the power of Cigna’s nationwide and local provider networks and Oscar’s member-focused experience. The companies offer affordable, seamless, fully insured health benefits for small businesses and their employees.

Cigna + Oscar Benefits Overview

Kaiser Permanente

Kaiser Permanente was founded in 1945 and was one of the nation’s first health programs to offer comprehensive health care services on a prepaid basis.

Headquartered in Oakland, California, Kaiser Permanente’s innovative spirit drives the country’s largest non-profit health care organization – guided by physicians and focused on providing high-quality care to members.

Kaiser Permanente Benefits Overview

The CaliforniaChoice Advantage

CaliforniaChoice gives you and your employees the ability to choose the health plan that meets your unique needs. For example, one of your employees could choose Kaiser Permanente because of its statewide HMO network. Another employee could select Cigna + Oscar  because of its 24/7 accessibility to nurses and doctors.

However, the advantages of CaliforniaChoice go beyond great health insurance options. There are extras for employers, too. CaliforniaChoice offers single source administration for enrollment, billing, eligibility, and customer service. You can manage all of your employees’ health insurance benefits in a single program – and pay just one monthly bill.

Check back to see additional plan comparisons, including:

Your employee benefits agent or insurance broker can help you learn more about all of the coverage options from CaliforniaChoice. If you don’t already have an agent, you can find one here.

People want choices in life – from where the live to what they wear to the car they drive. When it comes to something as important as health care, everyone deserves the freedom to find the option that meets their individual needs. That’s why we offer access to nine premier health plans in a single program.

Knowing the key benefits of each of our plans can help members decide which plan is right for them. Our CaliforniaChoice plan comparison series takes a closer look at what you can expect from each. This comparison highlights Health Net and Cigna + Oscar.

Health Net

Established in 1977, Health Net of California is among the state’s largest health insurers. It offers a range of coverage options to millions of California residents. Within the CaliforniaChoice program, you and your employees can choose from 12 different HMO options.

Health Net Benefits Overview

Cigna + Oscar

Partnering in 2020, Cigna + Oscar is designed to work for small businesses. It brings together the power of Cigna’s nationwide and local provider networks and Oscar’s member-focused experience. The companies offer affordable, fully insured health benefits for small businesses and their employees.

Cigna + Oscar Benefits Overview

The CaliforniaChoice Advantage

With CaliforniaChoice, you and your employees have more choice – and the ability to find health insurance that meets your unique needs. One of your employees might choose a PPO plan because of its broad health network. Another employee might select HMO coverage from a regional or statewide plan. With CaliforniaChoice, they both get what they need – while other employees have the option to choose from dozens of coverage options.

There are benefits for you, too – like a single monthly bill for all of your employees’ coverage and single-source administration for enrollment, eligibility, and customer care.

Check back to see additional comparisons on other CaliforniaChoice plans, including:

An employee benefits agent can provide you with more information about the advantages of CaliforniaChoice and available coverage options. If you don’t already have an agent, you can search for one here.

CaliforniaChoice recognizes the importance of having choices when it comes to something as important as health care. That’s why we’ve created the most diverse portfolio of health benefits on the market. We give you and your employees the freedom to choose from nine different health plans in a single program.

We’re highlighting the key offerings of each available health plan in our plan comparison series. This comparison features Sutter Health Plus and Western Health Advantage, both available regionally in Northern California.

Sutter Health Plus

Not-for-profit Sutter Health Plus offers competitively priced HMO health plans in the Greater Central Valley, Sacramento, and San Francisco Bay Area. When you choose Sutter Health Plus, you gain access to a high-quality provider network that includes many of Sutter Health’s nationally respected and recognized hospitals, doctors, and other health care services – all at an affordable price.

Sutter Health Plus Benefits Overview

Western Health Advantage

Since 1996, Western Health Advantage (WHA) has been a reliable health care partner to Northern Californians. Through its HMO network, WHA serves employers (and their employees) and individuals in Sacramento, Yolo, Solano, Napa, Sonoma, and Marin counties as well as parts of Placer and El Dorado counties. Supporting communities is one of WHA’s core values.

Western Health Advantage Benefits Overview

The CaliforniaChoice Advantage

You can offer your employees coverage from nine health plans through CaliforniaChoice – so it’s easy to find one that best meets their unique needs. For example, one employee might select Sutter Health Plus because it includes a preferred doctor, while another employee might choose Western Health Advantage because of its strong regional provider network. With CaliforniaChoice, they both get what they prefer, while other employees have access to seven additional regional and statewide health plan options.

CaliforniaChoice offers other advantages, too. Like one monthly bill for all employees’ coverage, a Member Value Suite with discounts on gym memberships and fitness gear, a Business Solutions Suite that includes a no-cost Premium Only Plan, and a single email and toll-free phone number for customer care.

Visit our website again to see other CaliforniaChoice plan comparisons, including:

For additional information about CaliforniaChoice and its Member Value Suite and Business Solutions Suite, talk with your employee benefits agent or health insurance broker. If you don’t already have one, we can help you find one here.