How ChoiceBuilder Ancillary Complements CalChoice Medical
If you’re among the groups offering your employees more health care choices using the CaliforniaChoice small group private health insurance exchange – or, if you’re considering employee benefits for the first time – you should know about the ChoiceBuilder ancillary benefits exchange.
ChoiceBuilder is a great complement to CaliforniaChoice, because ChoiceBuilder offers Dental, Vision, Chiropractic & Acupuncture, and Life Insurance through a single program. Coverage is available on either an employer-sponsored or voluntary basis, or a combination of the two. All employees’ coverage is billed together each month, so you don’t have the burden of dealing with multiple carriers’ invoices. There’s also just one employer application and one employee worksheet, plus one website to manage your ChoiceBuilder account.
It’s an ideal way to give employees access to more insurance without driving up costs for your business. That’s because ChoiceBuilder lets you select between Employer-sponsored coverage, which you decide how much you want to contribute to employee coverage, and Voluntary coverage, which lets employees enroll voluntarily at no cost to the business.
ChoiceBuilder is expanding in 2021 to offer coverage to groups of up to 500 employees (effective March 1, 2021, or later).
With ChoiceBuilder, you can choose from the following options for your employees:
- Employer-sponsored Dental (for group of 2-500 employees)
- Voluntary Dental (for 10-500 employees)
- Employer-sponsored Vision (for 2-500 employees)
- Voluntary Vision (for 2-500 employees)
- Employer-sponsored Chiropractic & Acupuncture (for 2-500 employees)
- Voluntary Chiropractic & Acupuncture (for 2-500 employees)
- Employer-sponsored Life Insurance (for 2-500 employees)
Or, as previously noted, you can mix and match employer-sponsored and voluntary coverage, and share the costs on some insurance with your employees. If you choose, you can even offer ChoiceBuilder coverage to employees working less than 40 hours per week, as long as they work 20 or more hours weekly. Currently, ChoiceBuilder serves more than 8,000 California groups and 130,000+ members.
Diverse Carrier Roster
ChoiceBuilder offers a roster of insurers and administrators, as shown below:
- Dental: Ameritas, Anthem Blue Cross, Delta Dental, and MetLife
- Vision: EyeMed and VSP
- Chiropractic & Acupuncture: Landmark Healthplan
- Life Insurance: Assurity Life
Ask your broker about how you can make ChoiceBuilder your “go to” for ancillary benefits and your new full-service hub for Dental, Vision, Chiro & Acupuncture, and Life. ChoiceBuilder simplifies ancillary for you, so you can focus on your business and your customers.
Talk With a Broker to Learn More
You can offer ChoiceBuilder as a complement to health coverage through CaliforniaChoice, or as an add-on to health coverage available directly through a different program. ChoiceBuilder does not have to be added during your group’s traditional open enrollment period. In fact, some employees may appreciate the availability of ancillary apart from health coverage. ChoiceBuilder is available at any time. To get a quote for your business, ask your broker. If you don’t currently have an insurance agent or employee benefits broker, you can search for one here.