Archive for the ‘CaliforniaChoice’ Category

CaliforniaChoice Q3-2023 Updates

Effective July 1, 2023, CaliforniaChoice has expanded its portfolio to include an Anthem Blue Cross full network Platinum PPO plan. The newly introduced Platinum PPO A plan offers access to the full statewide Prudent Buyer PPO network. The plan is also available to out-of-state employees. For details, download the Q3 Benefit Summaries brochure.

Q3-2023 Rates

Rates are now available for quoting through PRISM, our free and easy online quoting system.

Contact us today for a CaliforniaChoice quote!

Get a Quote

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

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CaliforniaChoice – Designed For Brokers to Sell

With complex provider networks and competing underwriting requirements of the various carriers in California, selling group health insurance isn’t easy. That’s why CaliforniaChoice, the private exchange with the state’s largest portfolio of plans and networks, has spent 26 years simplifying the employee benefits process so you can focus on building your business.

You Get

• Online enrollment and account management resources.
• Competitive commissions.
• Easy renewals. Each year, clients and employees can adjust their contribution and plan selection to meet any budget.

Advantages

• Cost control through Defined Contribution.
  Employers define their budget and lock it in for 12 months. Employees apply their employer’s contribution to the health plan and benefit design they choose. If an employee selects an option that costs more, they simply pay the difference.
• Huge selection of HMO, PPO, FSA, EPO, and high deductible plan options.
  Employees can choose from 70+ options from eight top California carriers and health plans. No minimum participation between health plans. Includes the new Member Marketplace supplemental products.
• Smart Decision technology.
  Tools designed to help your clients enroll and find the right health plan for their individual needs, including online enrollment, online provider and Rx directories, and a plan comparison tool.
• Access to 80,000+ doctors and 400+ hospitals.
• Discount dental, vision, chiropractic/acupuncture, and life plan benefits.
• No-cost extras like Premium Only Plans, COBRA, and Mineral HR.
• Cal Perks Discount Program
  Discounts on movie tickets, theme and water parks, sporting events, hotels, car rentals, vacation packages, tax services, weight management and more.
• California Rx Card
  Savings of up to 75% at more than 68,000 pharmacies nationwide including CVS, Rite Aid, Target, and Walgreens.
• Easy single-source administration.
  One consolidated bill for simple administration.

CaliforniaChoice Plans

Medical Partners
You can offer multiple health plans side-by-side in a single employee benefits package. That means you only have to learn one product and run one quote, while still giving your clients the value of choice.

Optional Benefit Partners
Dental, vision, chiropractic, acupuncture, and life benefits that can be bundled in a single package.

Additional Product and Service Partners
Your clients have access to a range of value-added benefits at no extra cost.

CaliforniaChoice Resources

• CaliforniaChoice Program Highlights
• CaliforniaChoice Optional Benefits for Employers
• CaliforniaChoice Underwriting Guidelines (Partial)
• CaliforniaChoice Fast Facts
• CaliforniaChoice Small Group Solution

Contact us today for a CaliforniaChoice quote!

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

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CaliforniaChoice Launches ‘Member Marketplace’

CaliforniaChoice medical clients can now offer enrolled employees the new Member Marketplace, an employee-friendly portal for purchasing and enrolling in popular, vetted and affordable supplemental products directly from MetLife. Typically these products are only available to large group clients.

Included MetLife Products (with links to PDFs)

• Accident Insurance
  Provides a lump-sum payment to be used as your clients see fit.
• Critical Illness Insurance
  Helps your clients have the financial stability necessary to focus on healing during a difficult time by providing one lump-sum payment.
• Hospital Indemnity Insurance
  Supplements existing health insurance coverage by helping pay for hospital stays.
• Legal Plans
  Offer access to an experienced network of attorneys who will provide consultation and representation on diverse issues.

These products are only available to members enrolled in a CaliforniaChoice medical plan. Employees waiving medical coverage will not have access to the Member Marketplace.

Marketplace Advantages

Broker Advantages

• Earn a 5% commission for the life of the policy.
• No appointment with MetLife necessary.
• CaliforniaChoice members work directly with MetLife.
• Get paid each time a member from any of your CaliforniaChoice groups enrolls in any Member Marketplace product(s).
• Option to opt-out your CaliforniaChoice groups from receiving Member Marketplace marketing. Log in to calchoice.com and go to My Profile and select Preference/Setting to choose which groups you’d like to opt-out.

Member Advantages

• Supplemental products help pay for expenses traditional health insurance may not cover.
• All of the offerings are vetted, cost-effective, and some of the most popular in the country.
• The products are available year-round so there is no need to wait for open enrollment.
• If a member is enrolled in a product and leaves the current employer, the coverage goes with the member.
• Easy to sign up.

Download the Member brochure for details.

About CaliforniaChoice

CaliforniaChoice is a private exchange employee benefits program specializing in saving small businesses on healthcare costs while offering more choices than any single health plan option.

What makes CaliforniaChoice different for your clients:

• Employers define what they can afford, and employees use that amount toward the health plan options they like best.
• Easy administration – everyone is on one monthly bill.
• Outstanding A+ rated customer service.
• Free services like HR support, FSA, and COBRA administration.

With CaliforniaChoice, employees get:

• The freedom to choose the health plan they want – it’s their choice!
• A huge selection of HMO, PPO, EPO, and high deductible plan options.
• Access to 80,000+ doctors and 400+ hospitals.
• Big discounts on dental, vision, hearing, Rx, wellness products, entertainment, and more.

Contact us today for a CaliforniaChoice quote.

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

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CaliforniaChoice Q1-2023 Plan and Rate Updates

Did you miss the October 12th webinar?

View the webinar on-demand to learn what’s new and changing for 2023, important health plan updates and reminders, the marketplace, and what you can expect from CaliforniaChoice. Below is a brief summary of what was covered in the webinar.

View The Webinar

Summary of Plans and Rates

CaliforniaChoice Portfolio

2022 New Networks, New Plans

• Cigna + Oscar is available out-of-state.
• 2 new Anthem Priority Select plans.
• 6 new UnitedHealthcare plans with benefit parity across multiple networks in Platinum/Gold.
• UnitedHealthcare Harmony Network expands into Northern California.
• New Health Net Gold plan.
• New Kaiser Permanente Gold plan.

2023 Plan Updates

• 20 new medical plans. New networks from Anthem Blue Cross, Cigna + Oscar, Health Net, and UnitedHealthcare in all four metal tiers.
• 2 new networks. Open Access Plus is a new full network from Cigna + Oscar and SmartCare is a new network from Health Net.
• More choice. Your clients can choose from more networks and plans for January 1, 2023.

4 New Anthem Blue Cross Plans

• Bronze PPO C – Prudent Buyer Small Group
• Bronze PPO D – Select PPO
• Silver PPO D – Prudent Buyer Small Group
• Silver PPO E – Select PPO

8 New Cigna + Oscar Plans

• Bronze EPO E – Open Access Plus (full network)
• Bronze EPO F – LocalPlus
• Silver EPO F – Open Access Plus (full network)
• Silver EPO G – Open Access Plus (full network)
• Gold EPO F – Open Access Plus (full network)
• Gold EPO G – Open Access Plus (full network)
• Platinum EPO F – Open Access Plus (full network)
• Platinum EPO G – Open Access Plus (full network)

5 New Health Net Plans

• Silver HMO D – Full
• Gold HMO H – SmartCare
• Gold HMO I – SmartCare
• Platinum HMO I – SmartCare
• Platinum HMO J – SmartCare

3 New UnitedHealthcare Plans

• Platinum HMO B – Signature Value
• Platinum HMO M – Harmony
• Platinum HMO N – Alliance

Employer-Friendly Budgeting – Defined Contribution

• Set it and forget it.
• Employee health care allowance.
• Fixed budget per employee.

2022 New Business Tiered Choice

The Member Marketplace (Coming Soon)

Features additional products and services from MetLife to enhance your clients’ protection, such as accident, hospital indemnity, and critical illness coverage, and legal plans.

ChoiceBuilder (2-500 Employees) Portfolio

Networks

DeltaDental

• DHMO – DeltaCare HMO Network
• Silver and Gold PPO – Standard PPO Network
• Platinum PPO – Premier PPO Network

Ameritas

• All PPOs – Classic PPO Network

MetLife

• All PPOs – PDP Plus Network
• New employer-sponsored life insurance option is available for coverage effective December 1, 2022 and later. Now your clients can choose from two life carriers.

Anthem Blue Cross

• All PPOs – Anthem Complete Network

VSP

• All Plans – Choice Network

EyeMed

• All Plans – Access Network

Special Enrollment Period (SEP)

For coverage effective January 1, 2023, your clients must enroll between November 15th and December 15th. And they must still meet the small group employer qualifications.

Underwriting Enhancements

CaliforniaChoice

• Start-up groups of 5+ subscribers eligible with 1 week payroll; start-up groups of 1-4 subscribers eligible with 4 weeks of payroll.
• No ID cards for participation/waivers do not require a policy number.
• Submit current prior carrier bill(s) in lieu of a DE9C for groups of 6 or more subscribers.
• PEO split-off and subscriber group friendly.

ChoiceBuilder

• NO DE9C/payroll required.
• No wait for major services on all employer-sponsored benefits.
• Write ChoiceBuilder alongside California Choice for a waived admin fee.
• eSignatures accepted.

CaliforniaChoice is a private exchange employee benefits program specializing in saving small businesses on healthcare costs while offering more choices than any single health plan option.

What makes CaliforniaChoice different for your clients:

• Employers define what they can afford, and employees use that amount toward the health plan options they like best.
• Easy administration – everyone is on one monthly bill.
• Outstanding A+ rated customer service.
• Free services like HR support, FSA, and COBRA administration.

With CaliforniaChoice, employees get:

• The freedom to choose the health plan they want – it’s their choice!
• A huge selection of HMO, PPO, EPO, and high deductible plan options.
• Access to 80,000+ doctors and 400+ hospitals.
• Big discounts on dental, vision, hearing, Rx, wellness products, entertainment, and more.

Q1-2023 rates are now available. Contact us today for a CaliforniaChoice quote.

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

Get The Latest News with Text Messaging!

Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

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Kaiser Permanente New Broker Bonus Program

Earn a Kaiser Permanente $100 bonus, per enrolled subscriber, when you sell new small group business through CaliforniaChoice or Covered California for Small Business (CCSB), December 1, 2022 – January 1, 2023 effective dates.

Examples

1. Earn a $5,000 bonus when you sell a new group with 61 employees and enroll 50 subscribers with Kaiser Permanente.
   50 enrolled subscribers x $100 = $5,000
2. Earn a $900 bonus when you sell a new group with 10 employees and enroll 9 subscribers with Kaiser Permanente.
   9 enrolled subscribers x $100 = $900

This bonus is on top of your regular commission and standard broker reward programs such as the Total Replacement and Group Production rewards. Download the flyer to learn more.

Kaiser Permanente Broker Bonus

Start earning more on new small group sales! Contact us today for a quote.

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

Get The Latest News with Text Messaging!

Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

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CaliforniaChoice and ChoiceBuilder Q4-2022 Rates

Healthcare cost-containment and choice are more important than ever to employers and employees. Offer your clients even more value with CaliforniaChoice and ChoiceBuilder.

CaliforniaChoice Q4-2022 Rates

• Q4 rates are now available through PRISM, our free and easy online quoting system.
• Rate adjustments for Q4 are minimal.

With the state’s largest portfolio of plans and networks, CaliforniaChoice (a private exchange for employee benefits) specializes in helping small businesses control healthcare costs while offering more choices than any single health plan option.

What makes CaliforniaChoice different for your clients:

• Employers define what they can afford, and employees use that amount toward the health plan options they like best.
• Easy administration – everyone is on one monthly bill.
• Outstanding A+ rated customer service.
• Free services like HR support, FSA, and COBRA administration.

With CaliforniaChoice, employees get:

• The freedom to choose the health plan they want – it’s their choice!
• A huge selection of HMO, PPO, EPO, and high deductible plan options.
• Access to 80,000+ doctors and 400+ hospitals.
• Big discounts on dental, vision, hearing, Rx, wellness products, entertainment, and more.

Resources

• CaliforniaChoice Program Highlights
• CaliforniaChoice Optional Benefits for Employers
• CaliforniaChoice Underwriting Guidelines (Partial)
• CaliforniaChoice Fast Facts
• CaliforniaChoice Small Group Solution

ChoiceBuilder Q4-2022 Rates

• Q4 rates are now available through PRISM, our free and easy online quoting system.
• There are no portfolio changes.

Advantages

Available to small businesses (2-500 employees), ChoiceBuilder is the best ancillary exchange in California, offering the nation’s premier dental, vision, chiropractic/acupuncture, and life insurance benefits in a single easy-to-manage program – with both employer-sponsored and voluntary coverage options. Plus, ChoiceBuilder can be offered alongside any medical plan, including CaliforniaChoice®.

It’s a great way to enhance your clients’ employee benefits package without the high cost of additional benefits or the difficulties of managing different services. There’s one application, one bill, and one point of contact for administration.

With more than 8,000 employers and 130,000 members across the state, ChoiceBuilder offers freedom, simplicity, and affordability.

Dental, Vision, Chiropractic and Life Carriers

More information is available in the ChoiceBuilder flyer.

Contact us today for CaliforniaChoice and ChoiceBuilder quotes!

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

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Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

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Health Net 2022 Broker Incentive Program

Earn bonus dollars on small group members who enroll in Health Net medical plans (including through CaliforniaChoice) with the Health Net New Member Incentive Program.

• Receive $60 per member for each new small business employer group sold.
• Program is valid for January 1, 2022 through December 1, 2022 effective dates.
• Cases sold through CaliforniaChoice qualify for the incentive.
• Broker must be contracted with Health Net.

Please note that another Health Net program – the New 2022 Broker Incentive Program – ends June 30, 2022. This Program provided an incentive to brokers that had not sold a new Health Net medical plan during the past three years.

Download the Health Net New Member Incentive flyer for details.

Health Net Member Incentive Program

Contact us today for a CaliforniaChoice quote.

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

CaliforniaChoice – Total Choice

Total Choice lets employers offer health plans and benefits available in all four ACA metal tiers: bronze, silver, gold and platinum. This means your clients and their employees have more options when it comes to coverage to fit their individual healthcare needs.

Popular with Employers and Employees, Total Choice:

• Provides employees with the most benefit choices and price points to satisfy their needs.
• Allows employees to buy up or down, enabling employers to keep costs low without limiting choice for employees.
• Encourages increased participation by offering the lowest-cost options for employees who want to enroll dependents, and options providing the highest level of coverage.
• Offers more to discuss at renewal! Total Choice is a great way to offer all options to your clients without disrupting current plan availability.
• There’s no employer cost to offer Total Choice, and there’s no participation requirement for any tier.

With the state’s largest portfolio of plans and networks, CaliforniaChoice (a private exchange for employee benefits) specializes in helping small businesses control healthcare costs while offering more choices than any single health plan option.

What makes CaliforniaChoice different for your clients:

• Employers define what they can afford, and employees use that amount toward the health plan options they like best.
• Easy administration – everyone is on one monthly bill.
• Outstanding A+ rated customer service.
• Free services like HR support, FSA, and COBRA administration.

With CaliforniaChoice, employees get:

• The freedom to choose the health plan they want – it’s their choice!
• A huge selection of HMO, PPO, EPO, and high deductible plan options.
• Access to 80,000+ doctors and 400+ hospitals.
• Big discounts on dental, vision, hearing, Rx, wellness products, entertainment, and more.

CaliforniaChoice Resources

• CaliforniaChoice Program Highlights
• CaliforniaChoice Optional Benefits for Employers
• CaliforniaChoice Underwriting Guidelines (Partial)
• CaliforniaChoice Fast Facts
• CaliforniaChoice Small Group Solution

Contact us today for a CaliforniaChoice quote!

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

Get The Latest News with Text Messaging!

Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

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Cigna + Oscar | CaliforniaChoice Webinar: Cigna LocalPlus® Expansion

Join this week’s short 30-minute webinar on Tuesday, January 25th at 10:00 am or Thursday, January, 27th at 2:00 pm, to learn about an important expansion of the Cigna LocalPlus® Network within the CaliforniaChoice portfolio.

Topics Include:

• Overview of LocalPlus®.
• What is LocalPlus® Enhanced (exclusive to CaliforniaChoice).
• Where does this apply geographically.
• Example of “current state” vs. what’s changing.
• Brief overview of plans with rate position.

Register for the Tuesday, January 25th or Thursday, January 27th webinar now!

Register Now!

With rates comparable to Kaiser, and networks that include Dignity Health, UCSF, Stanford, and Sutter, Cigna + Oscar brings together the power of Cigna’s nationwide and local provider networks, and Oscar’s member-focused tech-driven experience, to deliver small group health insurance that meets the unique needs of California small businesses and their employees. Learn more about Cigna + Oscar.

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

Get The Latest News with Text Messaging!

Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

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CaliforniaChoice Q2-2022 Updates

Healthcare cost-containment and choice are more important than ever to employers and employees. To offer your clients even more value, CaliforniaChoice has announced the following updates.

Q2-2022 Rates

• Rates for April – June 2022 effective dates are available through PRISM, our free and easy online quoting system.
• Rate adjustments are minimal.

Cigna + Oscar Plans Through CaliforniaChoice

• LocalPlus® network now has out-of-state availability.

For more information, contact us at 800.696.4543 or info@claremontcompanies.com.

With the state’s largest portfolio of plans and networks, CaliforniaChoice (a private exchange for employee benefits) specializes in helping small businesses control healthcare costs while offering more choices than any single health plan option.

What makes CaliforniaChoice different for your clients:

• Employers define what they can afford, and employees use that amount toward the health plan options they like best.
• Easy administration – everyone is on one monthly bill.
• Outstanding A+ rated customer service.
• Free services like HR support, FSA, and COBRA administration.

With CaliforniaChoice, employees get:

• The freedom to choose the health plan they want – it’s their choice!
• A huge selection of HMO, PPO, EPO, and high deductible plan options.
• Access to 80,000+ doctors and 400+ hospitals.
• Big discounts on dental, vision, hearing, Rx, wellness products, entertainment, and more.

CaliforniaChoice Resources

• CaliforniaChoice Program Highlights
• CaliforniaChoice Optional Benefits for Employers
• CaliforniaChoice Underwriting Guidelines (Partial)
• CaliforniaChoice Fast Facts
• CaliforniaChoice Small Group Solution

Contact us today for a CaliforniaChoice quote!

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

Get The Latest News with Text Messaging!

Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

Sign Up for Text Messaging