The healthcare needs of each individual are personal and varied; a plan that works well for one member of the family might not address the needs of others. Specific doctors, prescriptions and financial limitations drive these considerations, however the system for healthcare benefits is not always well equipped to address them.

In 1996, CHOICE Administrators^® introduced a new and effective way to meet the changing needs of employees at small California companies; while offering an effective program that would enable business owners to continue subsidizing benefits in the face of rising healthcare premiums.

The concept, known as a Defined Contribution Exchange, offers a solution that gives employers the advantage of cost control while achieving a higher level of employee retention through satisfaction. Employees can choose the health plan attributes that specifically fit their needs.

• Carrier selection
• Premium/benefit level
• Doctor network
• Formulary
• Voluntary vs. buy-up options

CHOICE Administrators^® offers medical HMO, HSA and PPO plans; dental HMO, PPO and EPO; Rx; voluntary vision and multi-choice dental coverage; term life; chiropractic/acupuncture options. Our list of premier carriers include:

Health Plans

• Blue Shield of California (HMO and PPO)
• Health Net, Elect Open Access, Salud HMO y mas and Salud Mexico
• Kaiser Permanente
• Sharp Health Plan
• Western Health Advantage

Ancillary Plans

• Ameritas Group - Dental
• EyeMed – Vision
• Landmark Healthcare – Chiro/Acupuncture
• Assurity Life Insurance – Term Life
• SmileSaver – Dental

Employer Advantages

• Exceptional cost control
• Guaranteed rates for 12 months
• Full choice program offering 8 benefit levels, multiple carriers and formulary options, and an extensive provider network
• Simple and efficient online administration
• Single source billing
• Full team support from enrollment through renewal
• Highly effective recruitment and retention tool

Broker/Consultant Advantages

• Best selling healthcare benefits program available to small groups in California
• Level 7% commissions on medical and chiropractic; Level 12% commissions on dental and vision
• Improved client retention
• Complete sales, marketing and implementation support like none other in the business

Employee Advantages

• The freedom to choose the healthcare that suits their individual needs
• Larger doctor network
• Enhanced formulary options
• The ability to access and update plan information, conduct doctor/hospital search and order forms 24/7 via our secure website

Carrier Advantages

• Increase brand awareness
• Reduced administrative tasks and costs through automation and customer support
• Additional marketing channel

Please contact your CPS Group Benefits Representatives for additional information.