Choice Stories

September 1, 2017

With a Multi-Carrier Employee Benefits Exchange You Get Multiple Everything!

If you’re considering health insurance benefits for your employees, you may be wondering about your options and whether you can offer employees a choice of different plans. One option is a single health insurance carrier for all of your employees. Everyone get the same carrier and the same plans to choose from. Another option – and one that offers more choices for your employees – is a multi-carrier, employee-choice health insurance exchange. What’s that? Let us tell you.

A multi-carrier employee benefits exchange is, literally, a program that offers you and your employees access to multiple health insurance carriers. And while having access to “multiple anything” these days is fairly common, when it comes to offering health insurance benefits, more isn’t always simpler . . . except when comes to CaliforniaChoice.

In fact, with CaliforniaChoice, you get multiple everything. Check it out.



The CaliforniaChoice multi-carrier, employee-choice health insurance exchange is sort of like a health insurance shopping mall – or an online website like Expedia or Amazon, where you and your employees can shop different vendors and then choose what you want to buy. CaliforniaChoice offers a variety of Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Health Savings Account (HSA) qualified plans, and other plan choices. Coverage is available from seven different carriers: Anthem Blue Cross, Health Net, Kaiser Permanente, Sharp Health Plan, Sutter Health Plus, UnitedHealthcare, and Western Health Advantage.

One of your employees might pick a PPO because it includes his or her preferred doctor or hospital in the health insurance carrier’s provider network. Another employee, who rarely visits the doctor, might choose an HMO from a different carrier. A third employee might choose an HSA-compatible plan from a third carrier because of the plan cost and tax advantages. Whatever your employees’ needs may be, they can shop, compare, and purchase the coverage that best meets their individual or family health care needs. It’s their choice!



Working with your broker, with CaliforniaChoice you have the ability to set the amount you want to spend on employee benefits using a concept called Defined Contribution. You can choose a fixed dollar amount or a fixed percentage of the costs for your employees’ coverage.

For example, you may choose 50% of the lowest-cost health plan. If you offer multiple health plan options for employees to choose from and the least expensive has a $100 monthly premium, you must contribute $50 per employee per month.

Your Defined Contribution is like a gift card that you give to employees to use toward the premium for their preferred health plan. If their cost exceeds your contribution, they simply pay the difference.

Whatever amount you select, you can take comfort in knowing your premium is locked in for 12 months. And, at renewal, you can adjust your premium contribution – up or down – so you continue to have control over your benefits budget for another 12 months.



CaliforniaChoice makes finding and enrolling in the right health insurance plan easy – for you and your employees. Our technology suite includes an Automated Choice Profiler, which lets employees compare plans not just based on premium, but also on doctor availability, affordability, and how you use your health plan. There are also Online Provider Search and Online Rx Search tools, so you can be sure any plan you’re considering will include the doctors, hospitals, and other providers you want, as well as the prescription drugs you need. We also offer online enrollment to help streamline the process for your employees – and to help you keep track of who has completed their sign-up and whose enrollment is still pending.



The Business Solutions Suite from CaliforniaChoice includes valuable free extras for you and your employees. These include discounted Dental, Vision, and Hearing services plus employee entertainment and other discounts, HR support, HSA resources, a free Flexible Spending Account, COBRA administration, and more.

We also offer voluntary and employer-sponsored options for Dental, Vision, Chiropractic & Acupuncture, and Life Insurance.



Another advantage of the CaliforniaChoice multi-carrier, employee-choice exchange is easy administration. When you hire a new employee, he or she can be quickly on-boarded and offered benefits based on your company’s designated waiting period. If an employee leaves, we make it easy to offer them COBRA coverage.

Plus, you get just one bill each month for all of your employees’ coverage. It doesn’t matter how many different health plans they enroll in, your single monthly invoice shows all coverage, your contribution, and each employee’s contribution to the cost. You can even pay your invoice online, if you wish.

At renewal, it’s easy to changes to your employees’ coverage, while still staying with the CaliforniaChoice program.

Get started right now

If you want to learn more about how CaliforniaChoice can provide your employees with more choice, while helping you control your employee benefits costs, ask your broker about America’s only multi-carrier, employee-choice health exchange for small business. If you don’t already have a broker, we can help you find a CaliforniaChoice broker.

Your Beginner's Guide to Choosing a Small Business Employee Benefits Program

Do you need help choosing the right health benefits for your employees?
This guide can help!