Our Support & Resource Center

Hello!!

Health care is not one size fits all, which is why CaliforniaChoice gives you the freedom to choose from eight 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 each plan in the CaliforniaChoice program, we’re comparing each of them and highlighting what makes them unique. In this comparison we’re looking at Kaiser Permanente and Western Health Advantage.

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

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 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

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 Western Health Advantage 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 eight different health plans in a single program. While everyone loves choices, understanding the options and selecting a health plan that is right for you and your family can be a confusing process.

So, we’re breaking it down and comparing key benefits of each of our participating health plans. The comparison below looks at Anthem Blue Cross and UnitedHealthcare.

Anthem Blue Cross

Anthem Blue Cross is among the state’s top insurers, delivering health insurance coverage to millions of Californians. The insurer offers flexible, innovative benefits, health improvement programs, and simplified administration.

Anthem Benefits Overview

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

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 UnitedHealthcare because of its statewide provider network. Another employee might prefer a PPO plan from Anthem Blue Cross. 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, 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.

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 eight 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 Sutter Health Plus.

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

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 areas. 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

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 plan because of its broad PPO 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 among eight plans and 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 the 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, which is why CaliforniaChoice gives you the freedom to choose from eight different health plans in a single program.

Understanding your options, and their benefits, is just as important as having choices. Our health plan comparison series shed light on the subject. In this comparison, we explore the benefits of Kaiser Permanente and UnitedHealthcare, two popular health plans available through CaliforniaChoice.

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

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 communities across the state. 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

The CaliforniaChoice Advantage

With CaliforniaChoice, you can offer your employees coverage from eight health plans, so they can easily find the one that meets their needs. For example, one employee could choose a plan because it offers treatment through its own facilities, while another employee might select a plan because of its diverse provider network across the state. With CaliforniaChoice, they both get what they want — and the options for others to select plans based on their specific needs.

CaliforniaChoice offers more than great health insurance. There are other advantages, too. Like one monthly bill for all of your employees’ coverage, value-added benefits through the Member Value Suite and Business Solutions Suite, and a single email and toll-free phone number for enrollment, eligibility, and customer care.

Visit our blog page to see other comparisons for CaliforniaChoice plans, including:

For additional information about all of the advantages offered by CaliforniaChoice, talk with your employee benefits agent or insurance broker. If you don’t have one, we can help you find one here.

At CaliforniaChoice, we understand just how important it is to have choices when it comes to health care. That’s why we give you and your employees the freedom to choose from eight different health plans in a single program.

Our health plan comparison series takes a closer look at each of our health plans and they’re unique offerings. This comparison highlights Western Health Advantage, available regionally in Northern California, and Oscar Health, available in Southern California.

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 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

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 a plan because of its regional or 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 six 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.

The Affordable Care Act (ACA) introduced four metal tier levels of coverage based on the actuarial value for each health plan. The categories have nothing to do with the quality of care provided by the health insurance carrier, but instead represent the share of in-network expenses paid by the health insurance carrier and the percentage of costs paid by the member – you, your employees, or dependents.

So What Are The ACA Metal Tiers?

Metal Tier Payment Based on Actuarial Value (Within -4%/+2%) Member Pays
Platinum Insurance carrier pays 90% of the costs of covered in-network benefits 10% of costs of covered in-network benefits
Gold Insurance carrier pays 80% of the costs of covered in-network benefits 20% of costs of covered in-network benefits
Silver Insurance carrier pays 70% of the costs of covered in-network benefits 30% of costs of covered in-network benefits
Bronze Insurance carrier pays 60% of the costs of covered in-network benefits 40% of costs of covered in-network benefits

The amount you pay in premium depends on what percentage of covered benefits are paid for by the health insurance carrier. For example, a Platinum plan is typically more expensive, but pays a higher percentage toward covered in-network services. On the other hand, a Bronze plan typically offers lower premiums, and it pays less toward covered in-network services. Costs could be higher in the long term for individuals with a Bronze plan who need a lot of medical care. For small business, group-sponsored health insurance, you (as the employer) select the metal tier to offer to your employees. Some programs, such as the CaliforniaChoice small group private exchange, give you the option to select more than one metal tier. Contact a CaliforniaChoice broker if you want to know more about the ACA metal tiers.

When it comes to something as important as health insurance, having a choice should be a given. CaliforniaChoice offers it. Our program gives you and your employees the freedom to choose from eight different health plans in a single program.

To help guide your decision, we’re highlighting the unique offerings for each of our eight plans. In this comparison, we look at Sharp Health Plan and Western Health Advantage, two regional health plan options 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

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 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

With CaliforniaChoice, you and your employees have more choice – and the ability to find insurance that meets your unique needs. One of your employees might choose a plan because of its broad PPO 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 six 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 the coverage options available. If you don’t already have an agent, you can search for one here.

Born and raised in California, CaliforniaChoice embraces the unique needs of our members. That’s why our employee benefits program includes eight different health plans in a single program – plus options for Dental, Vision, Chiropractic & Acupuncture, and Life and AD&D. We know what’s important to one person may not be important to another. So, we give employees the ability to choose what’s right for their individual or family health care needs.

The CaliforniaChoice plan comparison series takes a closer look at each of the plans in our program and the added options. This comparison snapshot highlights the key benefits of our Dental offerings, specifically SmileSaver Dental HMO and Ameritas Dental PPO.

The tables below show the Dental plans available from SmileSaver and Ameritas.

Your SmileSaver HMO options:

Notes: Copays listed are for services performed by general dentists. Please review the Explanation of Coverage (EOC) for specialist copays. For crowns, the extra cost of high noble metal (gold, etc.) may be charged when used, not to exceed actual laboratory costs of metal.

These are two of your four Ameritas PPO options:

Notes: Please refer to the plan Certificate for specific plan details. Orthodontia (with a 12-month wait and a Lifetime Maximum of $1,000) is included for children starting treatment before their 19th birthday for the PPO 3500. A 12-month Waiting Period applies to Endo/Perio; Waiting Period waived for groups with 10+ employees and 12 months of continuous, uninterrupted Dental coverage on previous plan. For PPO 3500, submit one covered Dental claim each year and the Basic Procedures will advance to the 90% level the following year and 100% on the third year. The Annual Maximum is a Dental/Vision combined benefit; a maximum of which $100 can be applied toward eye care expenses. The Fusion Vision Reimbursement benefit is an added feature of PPO 3500; it offers a $100 annual maximum per calendar year to spend at any eye care provider.

These are the other two Ameritas PPO options:

Notes: Please refer to the plan Certificate for specific plan details. Orthodontia (with a 12-month wait and a Lifetime Maximum of $1,000) is included for children starting treatment before their 19th birthday for the PPO 4000 and 5000 plans. A 12-month Waiting Period applies to Endo/Perio; Waiting Period waived for groups with 10+ employees and 12 months of continuous, uninterrupted Dental coverage on previous plan. For PPO 4000 and 5000, submit one covered Dental claim each year and the Basic Procedures will advance to the 90% level the following year and 100% on the third year. The Annual Maximum is a Dental/Vision combined benefit; a maximum of which $100 can be applied toward eye care expenses. The Fusion Vision Reimbursement benefit is an added feature of PPO 4000 and 5000; it offers a $100 annual maximum per calendar year to spend at any eye care provider.

Dental Rewards® by Ameritas are available to members enrolled in PPO 3500, 4000, and 5000 plans who visit the dentist and use only a portion of their annual maximum benefit in a year. Members can earn additional money toward their next year’s annual maximum benefit. For PPO 4000 and 5000 members, Ameritas Extras include LASIK and Hearing Care coverage. Refer to the plan enrollment materials for details.

For additional information about CaliforniaChoice and available Dental options, talk with your employee benefits agent or health insurance broker. If you don’t already have one, we can help you find one here.

At CaliforniaChoice we offer flexible health care solutions. Our program includes eight top California health plans in a single package, giving your employees the freedom to select the option that fits their unique needs.

Our health plan comparison series explores the benefits of each of our offerings. This comparison spotlights Oscar Health, which offers group coverage in Los Angeles and Orange counties, and UnitedHealthcare, available statewide.

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

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 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

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 UnitedHealthcare because of its statewide provider network. Another employee might prefer the technology focus of a regional plan like Oscar. With CaliforniaChoice, they both get what they want – plus the option to choose from six 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 eight different health plans in a single program.

We’re highlighting the key offerings of each of our health plans in our plan comparison series. This comparison features Western Health Advantage, available regionally in Northern California, and Anthem Blue Cross, available statewide.

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 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

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

The CaliforniaChoice Advantage

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