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A division of Ameritas Life Insurance Corp., Ameritas is proud to offer flexible dental plans backed by efficient, informed and accessible customer service.

We offer enhanced online services for employees and dentists, with quick access to dental benefits and coverage information.

Plan Members
With a secure member account , you have benefit summary information for you and your dependents at your fingertips. You can view a benefit summary, certificate of coverage, pending and paid claims, pretreatment estimates and the status of plan maximums and deductibles.

Your secure account lets you quickly verify patient benefits, view dental and/or orthodontic claims, confirm payment amounts and check dates for processed claims.

Find a Dental Provider
Need to find a dentist in your area? Choose one from our Participating Provider Organization (PPO) and you'll be sure to get impeccable service at a great price.

  • Processes more than 2.6 million dental claims each year. The accuracy of processed claims exceeds 99% and we have a claims processing turnaround time of 5-10 working days.
  • Has a high-tech electronic claims system designed specifically for processing dental claims.
  • Consistently earns high ratings from the industry's leading independent insurance analysts for its outstanding financial strength and operating performance.

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Trust Anthem Blue Cross to make a difference
Our plans offer choices and meet Affordable Care Act requirements

Who we are
With local service and the value of the Blue Cross brand, we have been committed to ensuring our members have access to affordable health benefits for nearly 80 years.

Strong product portfolio offers choice to our customers
Our Anthem portfolio of plans, including HMO, PPO, EPO and CDHP/PPO, are designed to be compliant, maintain cost of care, and provide choice in flexibility. This means CaliforniaChoice® customers receive essential health benefits (EHBs) including:

  • medical
  • pharmacy
  • pediatric vision coverage
  • pediatric dental coverage
  • emergency care
  • hospital stays
  • maternity and newborn care
  • prescription drugs
  • preventive care
as well as other features needed to comply with the Affordable Care Act (ACA).

Superior network strength means extra savings and convenience:

  • All Anthem plans provide you with access to one of California's best provider networks: Select PPO, Advantage PPO, Prudent Buyer PPO, Full HMO and Select HMO
  • Access to an extensive retail network of nearly 70,000 pharmacies across the country, including most major chains as well as many independent neighborhood pharmacies.

Online support for members
Get the most out of your health plan! All Anthem Blue Cross members are encouraged to register for our website, You'll be able to:

  • View your benefits and deductibles
  • Use our Find a Doctor search tool
  • Find out the estimated cost for procedures (must be logged in)
  • Request a new ID Card or print a temporary one
  • Download your plan document - COI (PPO) or an EOC (HMO) (must be logged in)
  • Check out our health and wellness support selection
  • Access our glossary to help you understand terminology
  • And so much more!
Don't forget to download our mobile app - available for Androids and Apple phones.

Integrated care management programs and tools - when you need it

  • 24/7 NurseLineSM - speak to a registered nurse for general health questions.
  • Condition Care - personal support and 24/7 access to health professionals for members with chronic conditions.
  • MyHealth Advantage - communicates gap in care and savings opportunities.
  • Behavioral Health support - offers immediate mental health care and information.
  • LiveHealth Online - see a doctor 24/7, 365 days a year from their home or office. Register at and download the mobile app.

Anthem Blue Cross, through CaliforniaChoice, offers you ACA-compliant health plan options, with all of the traditional advantages of Anthem built in!

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Innovative group product marketing, customer service at the highest level and top-notch administrative expertise at reasonable costs are the familiar characteristics of Assurity's Group Insurance Division. As the first carrier to offer an accelerated death benefit on a group life plan and a group critical illness product, we continue to be among the industry leaders in inventive product design.

Assurity's Group Division works with brokers, third-party administrators (TPAs) and managing general underwriters (MGUs) to develop lasting marketing, customer service and administrative relationships. We also provide a level of plan customization not usually possible with the large national carriers.

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Want to save on dental cost?
With Dentegra Smile Club, you can access sweet discounts whenever you visit the dentist.

Ready to save? It's easy. Just visit any Dentegra network dentist from our network of 20,000. Because this is NOT dental insurance, you pay the dentist directly and get your discount on the spot. No waiting, no messy paperwork.

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Eye exams are an important part of any health and wellness program. Comprehensive eye exams allow your eye care professional to view the interior of the eye and can lead to the early detection of serious illnesses like diabetes, heart disease and high blood pressure.

EyeMed Vision Care is a leading vision benefits company providing vision wellness programs to more than 140 million members. Ensuring vision wellness is easy with EyeMed. Members have the choice of thousands of private practitioners and leading optical retailers including LensCrafters® , Sears Optical® , JCPenney Optical® and most Pearle Vision® locations. EyeMed's unique approach to vision care offers substantial savings on eye care and eyewear purchases.

Our program makes it easy to protect your vision and your health by providing:
  • No claim forms for in-network services.
  • Customer service representatives available seven days a week.
  • Freedom to choose from a wide selection of providers in California and across the country.
  • Additional discounts on non-covered items, laser vision correction surgery and replacement contact lenses by mail.

Health Net

Find your fit with the coverage choice that works best for you.

When it comes to health, experience matters. For 40 years, we’ve been part of the local California community, helping individuals and families get the health care they need through every stage of their lives. We’re here for you, helping you stay healthy and get well with health plan choices that are comprehensive, affordable and easy to use.

Why Health Net?

HMO Plans: you choose a primary care physician, who coordinates all your care
Plan Name
Where available
Why choose this plan?

Full Network HMO

30 counties Statewide

Find your right-fit coverage within our range of HMO plans designed to be paired with our Full Network HMO network with over 70,000 physicians (PCPs & Specialists) and over 250 hospitals across the service area.

WholeCare HMO

30 counties Statewide

Find your right-fit coverage within our range of HMO plans designed to be paired with our WholeCare HMO network. The WholeCare Network is simply a select subset of our regular HMO network to include the most cost-efficient providers without compromise in quality or benefits with over 37,500 physicians (PCPs/ Specialists) and over 200 hospitals across the WholeCare service area.

Salud HMO y Más

Southern CA and
parts of Mexico

You and your covered dependents can use services in California through our Salud HMO y Más network, or in Mexico with our SIMNSA network. With access to over 8,500 physicians (PCPs/Specialists) and over 50 hospitals across the Salud service area.

CommunityCare HMO

Los Angeles,
Orange, and
San Diego

Your primary care physician can refer you to any specialist within the entire CommunityCare HMO network, not just specialists within your physician group. With access to over 12,000 physicians (PCPs/Specialists) and over 75 hospitals across the CommunityCare service area.

Wellness programs and discounts

  • Decision Power® Health & Wellness: We've included Decision Power with all our plans at no additional cost, helping you to achieve improved wellness, and get the support and confidence to take action. Our programs under Decision Power help you track diet and exercise, learn about health risks, manage back pain, explore treatment options, and more.
  • Healthy Discounts: Receive discounts on lifestyle improvement products and services such as weight loss programs, contact lenses, and hearing aids.

No-cost health coaching: talk to a nurse anytime

We're here for your health with licensed nurses available 24/7 by phone or online chat to answer your questions in situations such as these:
  • Caring for minor injuries and illnesses like fevers and the flu
  • Urgent health situations
  • Preparing for doctor visits

Convenient services that help keep your costs low

  • Health Net Mobile app and Health Net at your fingertips! Print or view your ID card, see your plan details, change your doctor, manage your prescriptions, and more.
  • Visit convenient MinuteClinics locations, typically found in CVS pharmacies.
  • Our pharmacy mail order program helps you get a 3-month supply of your maintenance medications, usually at a lower copayment.
  • Access Teladoc telehealth services 24 hours a day, 7 days a week, with board-certified doctors available by phone, mobile app or web for a $0 copayment.
  • Active&Fit Direct program offers fitness center memberships to 9,000+ fitness centers nationwide for just $25/month.
  • Access Heal on-demand doctor house calls for Sick/Urgent care services only with any of our HMO plans (respiratory, ear, throat infections; sprains, strains, muscle/joint injury, vomiting, and UTI). Available in select urban areas.

Testaments to our quality

  • Our HMO plans have Accredited status with the National Committee for Quality Assurance (NCQA), demonstrating that we have achieved a level of quality performance that benefits the members we serve.
  • Our Salud coverage plans have been awarded the NCQA Multicultural Health Care Distinction multiple years running.

We've got your back, 24/7

Your health and satisfaction are our priorities. When you become a Health Net member, our customer service center representatives, and our robust website, are here to provide you with the support you need.

Visit us today at

Members have access to Decision Power through current enrollment with Health Net of California, Inc. Decision Power is not part of Health Net’s commercial medical benefit plans. It is not affiliated with Health Net’s provider network, and it may be revised or withdrawn without notice. Decision Power services, including clinicians, are additional resources that Health Net makes available to enrollees. The Active&Fit Direct program is provided through American Specialty Health Fitness, Inc. (ASH Fitness), a subsidiary of American Specialty Health Incorporated (ASH). Active&Fit Direct is a trademark of ASH. Health Net HSP, HMO and Salud con Health Net HMO y Más plans are offered by Health Net of California, Inc. Health Net of California, Inc. is a subsidiary of Health Net, Inc. Health Net and Salud con Health Net are registered service marks of Health Net, Inc. All other identified trademarks/service marks remain the property of their respective companies. All rights reserved.

Kaiser Permanente

What began 70 years ago as an innovative health care program for shipyard and steel mill workers has become the model for health care in the 21st century. Serving 11.8 million members in 8 states and the District of Columbia, Kaiser Permanente is the convenient, affordable health plan you can rely on to keep your employees and their families healthy and engaged. From preventive care that catches health problems early to specialty care for illnesses and injuries, we’ve got your employees covered.

Here for you in California

Founded in California in 1945, and now headquartered in Oakland, Kaiser Permanente currently serves 8.5 million members in the state — with nearly 16,000 doctors at over 450 medical offices and 36 hospitals.

Affordable options to meet your needs

Our plans are priced with your business in mind. In fact, Kaiser Permanente was rated the most cost-efficient plan in California.1 And you have 14 group plans to choose from, including:
  • Copayment HMO plans
  • Deductible HMO plans
  • HRA and HSA-qualified plans

Dedicated to excellence

We’re known for the quality and expertise of our Permanente Medical Group physicians and for our personalized, team-based approach to care. The results of this combination are evident in the consistently high marks we receive for both member satisfaction and clinical quality:
  • 38 top rankings in NCQA quality measures for California health plans — including those for diabetes, cardiovascular, and respiratory care2
  • 14 California facilities rated among the nation’s top-performing hospitals by The Joint Commission’s Top Performer on Key Quality Measures® program3
  • 9 consecutive years rated 4 stars (the highest rating) by the California Office of the Patient Advocate4

Superior member tools and support

As new members, your employees can browse our online doctor profiles to choose a personal doctor based on factors that are important to them — and they can change doctors anytime. And when members register on, they can enjoy easy-to-use, customized features like being able to:
  • Email their doctor’s office with questions
  • Order most prescription refills for delivery at no cost
  • Schedule and cancel appointments
  • View their medical history and lab results
  • Get cost estimates and pay bills online

Members also have 24/7 access to care by phone, including help determining what level of care they may need.

Shaping the future of health care

We’re continually advancing patient services through innovation and technology. For example, more than half of member visits now take place through email, phone, and video — which removes barriers like distance, traffic, and busy schedules that may keep your employees from getting the care they need.

Kaiser Permanente was also an early adopter of electronic health records, and now operates one of the nation’s largest private electronic health record systems. This allows us to gather patient data that identifies trends and gaps in care, which can translate into better health outcomes for your employees.

Choose Kaiser Permanente and experience the difference. Learn more at

1Aon Hewitt Health Value Initiative™ benchmarking study — Kaiser Foundation Health Plan, Inc., Aon Hewitt, October 12, 2016.

2Kaiser Permanente 2016 HEDIS® scores. Benchmarks provided by the National Committee for Quality Assurance (NCQA) Quality Compass® and represent all lines of business.

3America’s Hospitals: Improving Quality and Safety, The Joint Commission’s Annual Report 2015, The Joint Commission.

4Kaiser Permanente 2016 Annual Report.


Hi, we're Oscar.
Oscar Health is the country’s first technology-driven health insurer focused on improving the member experience through easy, personalized service. Oscar for Business was launched to bring the same Oscar experience that individuals already love to the employer market.

We offer health coverage to small businesses located in Los Angeles and Orange County. Our small group portfolio of 11 EPO plans range across metal tiers, and feature varying balances of copay-based and coinsurance-based benefits to meet all employee needs.

Our EPO plans combine the flexibility of a PPO with the affordability of an HMO.
  • We save you money on premiums: our pricing is on par with comparable HMO plans, and on average 20% less expensive than comparable PPO plans.
  • We give you control over your health care: all of our plans are EPOs, which means you do not need to choose a primary care physician (PCP) as a gatekeeper to your network. You can see any in-network specialist directly—no referrals required!

All Oscar members get full access to our network of top-tier providers.
  • Our network includes top health systems like UCLA, USC Keck, Hoag, Huntington, and others—in fact, we have 4 of LA’s top 5 hospitals (as ranked by US News & Reports 2018) in-network!
  • It’s easy to find doctors and drugs in-network by using our Doctors and Drugs tool.

Our customer satisfaction score is 3x the industry average. We deliver high-value health care, along with an unmatched experience for our members.
Here are just a few of our cool features:
  • Our unique Concierge service model reinvents customer service with a personalized team of care guides and a nurse. Each member is assigned to one Concierge team (that means you talk to the same folks every time!). See a video demo here.
  • Doctor on Call: Our telemedicine offering is unlimited across all plans. You can speak to a board-certified physician within 15 minutes—24/7. All plans offer telemedicine at no to low-cost ($15) Copay. See a video demo here.
  • The Oscar app: Members can manage virtually every part of their health care in our industry-leading Oscar app. You can find doctors, use Doctor on Call, access your digital Member ID card, message your Concierge team, see prescriptions and lab results, track your deductible, and more. See it for yourself here.

Want to learn more about what sets Oscar apart? Visit us at

Sharp Health Plan

Sharp Health Plan is a not-for-profit, locally-based health plan serving San Diegans of all ages for over 25 years. Sharp Health Plan continues to be recognized in California and nationally for their high-quality care and service. They are the highest member-rated health plan in California for the fifth year in a row — in 2019, they achieved the highest member ratings for health care, personal doctor and specialist among reporting California health plans, and they were once again awarded an “Excellent” accreditation status by the National Committee for Quality Assurance.1 As part of Sharp HealthCare’s integrated delivery system, Sharp Health Plan directly connects members to an expansive network of nationally recognized doctors, elite-rated medical groups and hospitals.

Sharp Health Plan delivers The Sharp Experience from health insurance to health care, making it easy for members to access the care they need, when they need it. Members enjoy the added benefit of their after-hours nurse advice line, Sharp Nurse Connection®, their Emergency Travel Services for assistance with emergency services nationally or abroad, and access to MinuteClinic®, the walk-in clinics inside select CVS Pharmacy® stores. Members also enjoy free access to Sharp Health Plan’s nationally accredited Best Health® wellness program, which allows members to become and stay their healthiest through personal health assessments, one-on-one health coaching, educational classes and much more. For more information please visit or call Customer Care toll-free at (800) 359-2002.

1The source for this data is Quality Compass® 2019 and is used with the permission of the National Committee for Quality Assurance (NCQA). Quality Compass® 2019 includes certain CAHPS® data. Any data display, analysis, interpretation, or conclusion based on these data is solely that of the authors, and NCQA specifically disclaims responsibility for any such display, analysis, interpretation, or conclusion. Quality Compass® is a registered trademark of NCQA. CAHPS® is a registered trademark of the Agency for Healthcare Research and Quality (AHRQ). Sharp Health Plan achieved the following summary ratings (9+10): 57.30 for Rating of the Health Plan compared to the California all LOBs average (excluding PPOs & EPOs) of 47.23; 65.25 for Rating of Health Care compared to the California all LOBs average (excluding PPOs & EPOs) of 51.87; 74.47 for Rating of Personal Doctor compared to the California all LOBs average (excluding PPOs & EPOs) of 65.60 and 75.68 for Rating of Specialist compared to the California all LOBs average (excluding PPOs & EPOs) of 63.50.


Dental HMO Plan Benefits are Provided By: Safeguard Health Plans, Inc., a California Corporation in California, Part of the MetLife family of companies.

SmileSaver Dental Plan was licensed as a Knox-Keene prepaid health plan in 1981 and provides dental benefits to members throughout California. SmileSaver is committed to ensuring that its members receives a high level of care. As part of this commitment, all Quality Management Activities are designed to meet or exceed NCQA standards. These standards are applied to plan design through the credentialing of network providers, member services standards and on-going peer review and facility audits.

Sutter Health Plus

Sutter Health Plus, a local not-for-profit HMO, offers health plans that give you access to a network of high-quality health care providers, including many of Sutter Health's affiliated hospitals, doctors and health care services. Here, providers work together to offer you easily accessible and personalized care.

We offer traditional and deductible plan designs, including high-deductible health plans that are compatible with HSA.

Our affordably priced health plans give you and your family access to:
  • A high-quality network of local providers and hospitals
  • Comprehensive medical benefits
  • A 24/7 nurse advice line
  • Health coaching and disease management programs
  • Preventive care services at no additional out-of-pocket cost
  • Coverage for urgent and emergency care anywhere in the world
  • A secure member portal to access eligibility, benefits, copays, claims, member identification cards, and more
  • Health and Wellness site, including a personal health assessment
  • My Health Online (offered by select providers) to schedule appointments, email doctors, view test results and access your records

UnitedHealthcare of California is committed to providing quality coverage and affordable benefits to help keep you and your family healthy. Our plans offer more than just doctor visits; preventive care services are also provided for every member of the family.

Plans designed to be cost-effective

  • UnitedHealthcare Signature1 - A traditional HMO offering for those who want benefits that help to control costs and access to a large network. You'll choose a primary care physician (PCP) to coordinate your care and guide you through the network.
  • UnitedHealthcare Advantage1 - This plan offers the same level of coverage as a traditional HMO plan but at a lower premium. The difference is in the streamlined network.
  • UnitedHealthcare Alliance1 - One of our lowest-cost offerings, members choose a PCP from a specially selected network of providers who have proven track records for keeping costs down.
  • UnitedHealthcare Focus1 -An HMO plan that provides the same level of coverage as our traditional HMO plans but at a lower cost. The difference is in the refined local network, which is a narrower network that helps keep costs in check.

Choose from a large California HMO network.

Our Signature plan offers access to a full network of contracted providers with more than 52,000 physicians and health care professionals, and 220 hospitals. The Advantage, Alliance and Focus plans offer the same level of benefit coverage as our Signature plan but has a narrower network of contracted providers. You can find listings for physicians and hospitals in our provider directories.

Extra programs and services at no additional cost.
You'll get access to programs and services that help you get and stay healthy - at no extra cost.

  • Rally - a website and app found on® that offers personalized recommendations to help you move more, eat better and feel great.
  • Advocate4Me® - Delivering a proactive, highly personalized experience. UnitedHealthcare makes it easier for individuals to make informed health care choices and get the most out of their benefits. And, for employers, we help you better manage costs. Our advocacy is built on a foundation of robust data and insights that:
    • Offers proactive, personal guidance.
    • Simplifies the benefits experience.
    • Provides access to quality care.
  • Virtual Visits - Let employees and their covered family members see and speak to a doctor 24 hours a day, 7 days a week using a mobile device* or computer, wherever they are. If needed, a prescription** can be sent to their local pharmacy. No appointment is necessary—and usually takes less than 20 minutes. Costs are similar to a typical copay and much less than the usual cost of urgent care. Virtual Visits are fully integrated with the benefit plan administered by UnitedHealthcare and provided at no additional administrative cost to the employer.
  •® - our member website is your one-stop shop for health information. You'll find help with anything from managing claims to learning about treatment options and finding a doctor.

With a mix of benefits that deliver patient-centered care, health and wellness programs and award-winning customer service, UnitedHealthcare is a smart choice for your family's health care coverage needs.

1 Formal HMO product names:
Signature = UnitedHealthcare SignatureValueTM
Advantage = UnitedHealthcare SignatureValue Advantage
Alliance = UnitedHealthcare SignatureValue Alliance
Focus = UnitedHealthcare SignatureValue Focus

Health plan coverage provided by or through UnitedHealthcare Insurance Company and UnitedHealthcare of California. Administrative services provided by United Healthcare Services, Inc., OptumRx or OptumHealth Care Solutions, Inc. Behavioral health products are provided by U.S. Behavioral Health Plan, California (USBHPC) or United Behavioral Health (UBH).


VSP (provided by Ameritas)
VSP (provided by Ameritas) is dedicated to offering affordable, high-quality eye care plans that promote visual wellness and improve their member's quality of life. As the nation's largest provider of eye care coverage, thousands of companies rely on VSP to provide a range of vision plans.

VSP provides coverage to more than 70 million members nationwide. Their provider network includes more than 25,000 doctors in 19,000 offices around the country. Whether their members live in cities, suburbs or rural areas, their doctors are nearby - an average of only four miles from where our members live and work.

Western Health Advantage
Western Health Advantage Benefits Overview
  • Affordable coverage with many choices
  • A network of thousands of local, trusted doctors and specialists
  • Responsive customer service staffed by local, real people
  • MyWHA Wellness program with online health and wellness tools
  • Discounts on gym memberships
  • Nurse24 advice line with registered nurses 24/7
  • Worldwide urgent and emergency coverage with Assist America

we care about you
We have a passion for health care. WHA is all about helping people obtain quality health care. We also support medical innovation and promote whole-person health to suit the various needs of the communities we serve. WHA offers affordable coverage to employer groups, individuals and families, for every stage of life. We are here to help you stay healthy and facilitate the care you need when you need it.

we're proud of our reputation
For 23 years and counting, we’ve been a reliable partner in your community. We are known for acting with integrity and for interacting honestly with our partners, while building a relationship of trust. We support the doctor-patient relationship and offer access to quality doctors and hospitals.

we love being local
WHA prides itself in being the choice of thousands. Your community is our community. We strengthen our neighborhoods and enrich the lives of community members by supporting local organizations. We affect positive change in our community through charitable outreach and volunteer efforts. Supporting the communities where we live and work is one of WHA’s core values.

we're always here for you
We build long-term, personal relationships because we’re easy to work with, reliable and innovative. The mission of our local service team is to provide exceptional service to our members, providers and partners. You can easily reach us in person or on the phone. We’re responsive and make decisions without delay.

As a 501(c)(4) community benefit, non-profit health plan created by local doctors and hospitals, Western Health Advantage’s HMO network includes major hospitals and medical centers and thousands of local, trusted doctors and specialists from Mercy/Dignity Health, NorthBay Healthcare, Hill Physicians, Meritage Medical Network, St. Joseph Health Medical Network and Woodland Clinic Medical Group. WHA offers affordable, quality health care to its neighbors in Sacramento, El Dorado, Placer, Yolo, Colusa, Solano, Napa, Sonoma and Marin counties.


Marin County
  • Marin Health Medical Center

Napa County
  • Queen of the Valley Medical Center

Solano County
  • NorthBay Medical Center
  • NorthBay VacaValley Hospital

Sonoma County
  • Healdsburg District Hospital
  • Petaluma Valley Hospital
  • Santa Rosa Memorial Hospital
  • Sonoma Valley Hospital

Yolo County
  • Woodland Memorial Hospital

  • Hill Physicians
  • Mercy Medical Group
  • Meritage Medical Network
  • NorthBay Healthcare
  • St. Joseph Medical Network
  • Woodland Clinic

Serves employers and individuals in Napa, Placer, Sacramento, Solano, Sonoma, Marin and Yolo counties and parts of Colusa and El Dorado counties.

©2003-2020 CaliforniaChoice
 License # 0B42994 – CaliforniaChoice Benefit Administrators, Inc.