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With over 150 years of experience in the health insurance industry, at Aetna, we know that the true value of any health benefits plan is how it works for you and your family. Aetna also recognizes all families are different, each with their own unique needs. Some families need a plan with lower out-of-pocket costs when they see their doctor and some need lower monthly premiums.

With Aetna, each family can pick the plan that best suits their unique needs. The choice is yours!

Plus, each health plan from Aetna offers a number of valuable member tools and resources to help you and your family make more informed decisions about your health and well-being. Whether it’s finding a doctor online, or finding the lowest-cost prescription for you and your family, Aetna provides you with the tools you need to manage your care.

Members will have access to these services:
  • Aetna Navigator® - our secure member website to view plan information, get an I.D. card, find doctors and more
  • Access to a registered nurse - 24/7 with Informed Health® Line
  • Simple Steps To a Healthier Life® - an interactive online health and wellness program
  • Preventive care covered 100%*
  • Aetna disease management and wellness programs
Find out more about Aetna at

*Your Aetna health benefits plan complies with the federal health care reform law and covers services according to schedules based on age, gender, and health status. Please refer to your brochure for details.

Health benefits plans are offered by Aetna Health of California Inc. (Aetna).
This material is for information only and is not an offer or invitation to contract. An application must be completed to obtain coverage. Rates and benefits vary by location. Health benefits plans contain exclusions and limitations. Health information programs provide general health information and are not a substitute for diagnosis or treatment by a physician or other health care professional. Information is believed to be accurate as of the production date; however, it is subject to change. For more information about Aetna plans, refer to

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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 more than 78 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
  • 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 (for EPO), and Select HMO
  • Access to an extensive retail network of 62,000 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.
  • Case Management - nurse support following major hospitalization or procedure.
  • 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
More than an ID card

Hello! We're Health Net of California, Inc. - one of your choice for health care coverage.

Here at Health Net we provide affordable, quality health coverage. Through our local doctor networks, we help people get the care they need through every stage of their lives and health.

When it comes to health coverage, experience matters. We've been serving Californians for over 35 years. Health Net is health coverage you can trust.

WholeCare HMO
Affordability without compromise

WholeCare HMO plans offer all the advantages of an HMO - set copays, your choice of a primary care physician to coordinate your care, and never any claim forms. WholeCare plans come with our largest tailored network, covering 30 counties. Plus, as an extra convenience, you can use CVS MinuteClinics1 for walk-in medical services and preventive care.

Salud HMO y Más
Coverage for diverse workforces

Designed to fit California's fast-growing Latino market, Salud HMO y Más plans offer predictable copayments and all other advantages of an HMO plan. Salud HMO y Más plans also feature CVS MinuteClinics1 for walk-in medical services and preventive care.

Members use the Salud HMO y Más network in California or may self-refer to a participating provider in Health Net's Mexico service area for covered services. Note that family members residing in Mexico cannot receive plan benefits from California providers, except emergencies or urgently needed care, which care covered worldwide.

PureCare HSP
Our newest tailored network solution

PureCare HSP (health care services plan) works much like an HMO but gives you more flexibility. Like an HMO, you pick a primary care physician. What's different is that you don't need a referral before you get covered services. You can self-refer to doctors and hospitals in the PureCare HSP network. Note! There is no coverage for out-of-network services, except for urgent or emergency care, or if authorized by Health Net.

1MinuteClinics are not located in all California counties. Visit for the most up-to-date locations.

Health Net Salud con Health Net HMO plans, WholeCare HMO plans and PureCare HSP plans are offered by Health Net of California, Inc. Health Net of California, Inc. is a subsidiary of Health Net, Inc. Health Net is a registered service mark of Health Net, Inc. All rights reserved.

Kaiser Permanente

Kaiser Permanente was founded nearly three-quarters of a century ago by Sidney Garfield, MD, and Henry J. Kaiser to provide medical and hospital services to Kaiser shipyard and steel mill workers. It was one of the first health programs to offer such comprehensive healthcare services on a prepaid basis. The same innovative spirit also drives the nation's largest not-for-profit health care organization today - a not-for-profit health plan that is guided by physicians and focused on providing high quality care to our members. 

We're where our members need us to be
  • We provide health care in eight states and the District of Columbia.
  • We serve 11.3 million members nationwide, including 8.2 million members in California.
  • In California, more than 15,000 physicians provide care at over 500 medical offices and 50 medical centers.

You and your medical team manage your care
  • Physicians have the final say on your prescriptions for medically necessary drugs.
  • You can choose or change your primary care physician for any reason.
  • Your Kaiser Permanente physician can easily refer you to a Plan specialist.

Our Health care professionals are dedicated to excellence
  • We're selective about the physicians we hire. In California, only one of every ten applicants is chosen to become a Kaiser Permanente physician.
  • A number of our physicians have national reputations, and some teach at leading universities.
  • Kaiser Permanente's of California Regions earned "Excellent" ratings from the National Committee for Quality Assurance (NCQA), the nation's leading reviewer of health plan quality for consumers and employers. "Excellent" is the top rating granted by NCQA, which reviews satisfaction surveys, preventive measures, physician credentialing, member services, and improvement initiatives.

What began as an innovation in health care nearly 72 years ago has become the model for health care for the twenty-first century. The innovative health plan that's convenient, affordable, and totally dedicated to your health and well-being, that's Kaiser Permanente.

Sharp Health Plan

Sharp Health Plan is San Diego's only locally-based commercial health plan. Our provider networks include over 2,500 high quality primary care and specialty care physicians. We are not-for-profit, so more of our resources are devoted to ensuring high quality care for our members. Sharp Health Plan achieved the highest level "Excellent" Accreditation status from the National Committee for Quality Assurance (NCQA). As a provider-owned health plan, we are uniquely attuned to the physician's perspective. We keep decision-making in the hands of doctors and strive to make it as easy as possible for them to treat their patients.

Our goal is to keep our members healthy. We encourage regular doctor visits for routine and preventive care. In addition, we offer a comprehensive wellness program, Best Health. Access Best Health, the only wellness program in California that is NCQA accredited that features robust online wellness tools, interactive workshops, one-on-one health coaching and more.  Best Health provides you with all the resources to reach your own unique wellness goals.  We also offer an after-hours nurse advice line, Sharp Nurse Connection®.  If you do get sick, we work with your doctor to help you get access to medically needed care.  When it comes to your health, you need a health plan you can count on.  In San Diego, there is really only one choice: Sharp Health Plan.  For more information, visit or call Customer Care toll-free at (800) 359-2002.


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 is a not-for-profit HMO health plan affiliated with Sutter Health. We offer affordably priced health plans in the greater Sacramento, Central Valley and Bay Area communities. Our provider network includes many of Sutter Health's nationally respected and recognized hospitals, physician organizations, surgery centers, outpatient lab sites, urgent care centers and other health care services.

Take a moment to read about the Sutter Health Plus difference:

  • Competitively priced products that give members access to a network of providers
  • Convenient locations within our service area for primary care, specialty care, X-ray and diagnostic imaging, lab, hospital services, etc.
  • Mail-order pharmacy program as well as conveniently located retail pharmacies
  • My Health Online (not offered by all providers) to schedule appointments, email doctors, view test results and access your records
  • Coverage for emergency and urgent care anywhere in the world
  • Welcome calls to help new and returning members better understand medical benefits and coverage and assist in facilitating initial appointments
  • A 24/7 nurse advice triage line

Affordable Options for Individuals and Employers
We offer a variety of health plan options to help meet our clients' unique needs and budgets. Plan designs include:

  • Copayment plans that feature a set dollar amount for most medical services
  • Deductible plans that include a set amount deductible for specific (in some cases, all) services that must be paid before the plan pays for any services, and affordable monthly premiums
  • High-deductible plans that can be paired with employer-offered Health Savings Accounts to offer possible tax opportunities and affordable monthly premiums

To learn more about Sutter Health Plus, visit us online at or call

UnitedHealthcare of California is comitted 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.
  • NurseLineSM - telephone and online access to experienced registered nurses to help you make more informed health care decisions.
  •® - 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
With access to our six medical groups, we give you the freedom and flexibility you are looking for in a health plan.
Western Health Advantage (WHA) is a regional Health Maintenance Organization serving eight Northern California counties: Sacramento, Yolo, Solano, Placer, El Dorado, Marin, Napa and Sonoma.

Why choose Western Health Advantage?
WHA is affiliated with the leading hospitals and doctors throughout Northern California. Our network of more than 3,200 doctors and 14 hospitals has no limits - regardless of your plan. WHA's provider network gives you access to the doctors and hospitals you know and trust.

We emphasize access to care.
Membership with WHA means choices and flexibility for specialty care. WHA's unique Advantage Referral program allows your doctor to refer you to almost any specialist within any of our medical groups, not just within your particular medical group. Take advantage of "centers of excellence" within the WHA network.

The doctor you want is with WHA.
Coverage with Western Health Advantage means access to the doctors and hospitals that you trust. That's why we're proud to partner with these hospitals and medical centers, giving you access to care close to home.

Sacramento Area Locations
NorthBay Medical Center
NorthBay Vaca Valley Hospital
UC Davis Medical Center

Dignity Health Facilities
Mercy General Hospital
Mercy Hospital of Folsom
Mercy San Juan Medical Center
Methodist Hospital of Sacramento
Woodland Memorial Hospital

North Bay Area Locations
Healdsburg District Hospital
Marin General Hospital
Sonoma Valley Hospital

St. Joseph Health Facilities
Petaluma Valley Hospital
Queen of the Valley Medical Center
Santa Rosa Memorial Hospital

WHA strives to provide exceptional health care services to our members, employer groups and brokers. Our dedicated, local representatives are happy to provide answers and explain how WHA can meet your personal needs.
Western Health Advantage
(888) 227-5942
Monday-Friday 8:00a.m. to 5:00 p.m.

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