At CaliforniaChoice, our goal is to meet the unique health care needs of small business owners and their employees. Our members have access to the largest selection of health plans and benefits in California. But that’s not all. They can also take advantage of supplemental benefits through the CaliforniaChoice Member Marketplace, including Critical Illness Insurance through MetLife.

Handling the emotions that come up when experiencing serious illnesses is difficult enough. Worrying about financial stability during that time can be overwhelming. Critical Illness Insurance can help.

How Critical Illness Insurance Works

* This example is for illustrative purposes only. The MetLife Critical Illness Insurance Policy and Certificate are the governing documents with respect to all matters of insurance, including coverage for specific illnesses. The specific facts of each claim must be evaluated in conjunction with the provisions of the applicable Policy and Certificate to determine coverage in each individual case.

This example shows three $30,000 payments – and a total payout of $90,000. It is just one illustration of how the plan could work.

MetLife Critical Illness Insurance provides a lump-sum payment. It pays when you or a covered family member has a verified diagnosis of a critical illness covered under the plan. Covered conditions include cancer, kidney failure, stroke, heart attack, and dozens of other conditions.

Critical Illness Insurance can help safeguard your finances. It provides you with one convenient payment— when you or your family may need the funds most. The extra cash can help you focus on getting back on track — without worrying about finding the money to cover some of your expenses.

Best of all, the MetLife payment is made directly to you, regardless of any other insurance you may have. It’s yours to spend however you like, including for your or your family’s everyday living expenses. While recovering, Critical Illness Insurance is there to help make life a little easier.

It’s Easy to Sign Up!

If you and your employees are already insured under a CaliforniaChoice Medical plan, just log in as a member at calchoice.com. Select Member Marketplace from the “Employee” drop-down menu. Then select your desired coverage. You can also access a Critical Care Illness brochure, which outlines all of the coverage limitations and exclusions.

The MetLife Critical Illness Insurance (CII) is a limited benefit group insurance policy. It contains certain exclusions, limitations, and terms for keeping coverage in force. Product features and availability vary by state. There may be a preexisting condition exclusion. There may be a Benefit Reduction Due to Age provision. There may be a Benefit Suspension Period between recurrences of the same Covered Condition or different covered conditions. Attained Age rates will increase when a Covered Person reaches a new age band. Rates are subject to change.

For details of coverage and availability, please refer to the group policy form (GPNP07 CI, GPNP09 CI, GPNP10 CI, GPNP14 CI, GPNP19 CI), or contact MetLife for more information.

MetLife’s Critical Illness Insurance is not a substitute for Medical coverage. The policy does not provide reimbursement.

Talk to a Broker to Learn More

If you are not already offering CaliforniaChoice Medical coverage to your employees, talk with your employee benefits broker to learn more and get a custom quote for your business. Your broker can also provide additional information on supplemental options like Critical Illness Insurance. If you don’t already have a broker, you can search for one at here.