Choice is important to employees. Offering them a wide range of benefit options leads to higher employee job satisfaction. One survey found 72% of employees saying increasing their work benefits increases their job satisfaction. CaliforniaChoice offers you and your employees access to 130+ coverage options from eight of California’s leading health plans. Plus, there are options for Dental, Vision, Chiropractic, and Life Insurance — and value-added extras, too.
How Does It Work?
CaliforniaChoice has been serving small businesses in California since 1996. Our uniquely flexible program lets employers set their own premium contribution to employees’ coverage, while providing vital health care and and other benefits for their employees.
Here’s why it works for thousands of California employers — and it can work for you, too. You can choose a Fixed Percentage (50% to 100% of a specific plan and/or benefit. Or you can select a Fixed Dollar Amount for each employee. (All employees get the same amount.)
Your employees then apply your contribution to the health plans they like best. With so many plan options, employees have the freedom to select the coverage that best meets their unique needs. If the cost of the plans they prefer exceeds your contribution, they pay the difference.
Once you set your contribution, you’re locked in for a year. At renewal, you can change your contribution – up or down. Then you can lock in your cost for another full year. So, you’re controlling benefit expenses for your business, while offering more choice to employees. It’s a win-win.
So what does that look like in action? You might select PPO coverage from Anthem Blue Cross. Your HR manager might select an Exclusive Provider Organization (EPO) plan from Cigna + Oscar or Anthem. A third employee who rarely visits the doctor might choose an HMO. CaliforniaChoice includes HMO options from Health Net, Kaiser Permanente, Sharp Health Plan, Sutter Health Plus, UnitedHealthcare, and Western Health Advantage.
With CaliforniaChoice, you have greater access to doctors, specialists, and hospitals than any other health care program in California. But the benefits don’t end there. You also have the ability to add Dental, Vision, Chiropractic & Acupuncture, and Life Insurance options. Beyond that, you get one, easy-to-manage monthly bill for all employees’ coverage. Our program proves more choices doesn’t mean complex administration.
Why Choice Matters
Employee expectations are different than they’ve been in the past. People want to be fairly compensated. They also want purposeful work, a social and supportive culture, flexibility, professional growth, and wellness programs and benefits. That’s according to MetLife’s 21st Annual U.S. Employee Benefit Trends Study (2023).
CaliforniaChoice meets these evolving expectations and delivers quality health care and more. Even better, through our Member Marketplace, we offer employees additional ways to tailor their coverage.
Fostering an Environment for Happy Employees
As we mentioned before, offering the right employee benefits leads to happier employees. It also helps you attract and retain your top talent. CaliforniaChoice delivers more, but it doesn’t cost your business more.
Talk with your insurance broker about a custom quote for your business. CaliforniaChoice is only available through brokers. Don’t worry, though. Using a broker doesn’t cost more. It can actually save you money, because a broker will know which health plans offer the doctors and hospitals you and your employee may prefer.
If you don’t already have a broker, you can search for one here.