Building on its 150-year heritage, Aetna is one of the nation’s leading providers of health, dental, group, life, disability, and long-term care benefits. They provide benefits through employers in all 50 states, with products and services targeted specifically to small, midsized, and large multi-site national companies. Aetna also offers a wide array of programs, services, and information that help minimize increases in employee benefits costs, while striving to provide easy access to cost-effective, high-quality health care.
As one of the nation’s leading providers of affordable dental and eye care plans, Ameritas offers fantastic value, unique advantages, and access to a large PPO network. Through CoPower, Ameritas offers four dental plans that all include Dental Rewards that can roll over a portion of an insured’s unused benefits each year, thereby increasing their benefits annually without additional costs.
Ameritas also offers two very affordable vision plans that can enable even the smallest groups to add vision care for their employees at a very low cost. Best of all, Ameritas can combine the dental and vision benefits into one plan called FUSION. All Ameritas dental and eye care plans are available to groups from 3 to 99 lives!
ANTHEM BLUE CROSS
Anthem Blue Cross has been serving the health care needs of California residents since 1937. Together with its branded affiliates, Anthem Blue Cross provides health care services to more than 6.8 million members. Offering a full continuum of product and coverage options, Anthem Blue Cross provides customers with unparalleled choice and flexibility in meeting their health plan needs. With its strong track record for innovation, Anthem Blue Cross focuses on progressive products and services designed to improve the health status of all Californians.
Formed in 2001, Administrative Solutions, Inc. (ASI) is a highly regarded Third Party Administrator specializing in group benefits. As an all inclusive TPA for employers of all sizes, ASI is innovative in providing solutions to employee benefit plans. ASI prides itself on outstanding customer service and its success at implementing administrative strategies to meet the growing demand of employer’s rising cost. What has been most advantageous to their vast client base is ASI’s ability to maintain, reduce and create significant savings through innovative approaches to the employer’s health and benefits.
BENEFLEX HR RESOURCES
BeneFLEX HR Resources makes benefits work, for the employer and the employee. We provide affordable, responsive, leading-edge design and hassle-free administration of employer-sponsored benefit packages including Premium Only Plans (POP), Flexible Spending Accounts (FSA & DCAP), Health Reimbursement Arrangements (HRA), HCSO approved HRA Plans, COBRA administration, and Transit Management Accounts (TMA). BeneFLEX reduces administrative burden, provides an innovative benefit approach, and ultimately helps enhance the bottom line. Brokers look to us because we keep the plan compliant and the clients happy. And we provide English/Spanish assistance and bi-lingual forms.
BLUE SHIELD OF CALIFORNIA
Blue Shield of California, an independent member of the Blue Cross Blue Shield Association, is a not-for-profit health plan with 4 million members, 6,800 employees and more than $13 billion in annual revenue. Founded in 1939 and headquartered in San Francisco, Blue Shield of California and its affiliates provide health, dental, vision, Medicaid and Medicare health care service plans in California. The company’s mission is to ensure all Californians have access to high-quality care at an affordable price. Blue Shield has contributed more than $325 million over the past ten years to the Blue Shield of California Foundation.
The California Society of CPAs Group Insurance Trust, has been dedicated to providing quality health and welfare benefits to CalCPA member firms since 1959. Group plans including CalCPA Health- the Trust’s exclusive healthcare programs, are available to CalCPA member firms of any size – from sole practitioners to large companies – at substantial savings. CalCPA Health brings together the network, discounts and large-group pricing of Anthem Blue Cross in a healthcare program designed exclusively for members of the California Society of CPAs, and their employees and families. Additionally, to provide outstanding member service and plan administration we have contracted with Banyan Administrators – Managers for the CalCPA Health Programs. – a leader in insurance plan administration and service.
CALL A DOCTOR PLUS
Call A Doctor Plus is a leading provider of telehealth services. Call A Doctor Plus has partnered with Teladoc, the nation’s #1 Telemedicine provider, to help save your clients money and improve health and productivity. In addition to telemedicine, their program offers expanded features including medical bill negotiation, employee assistance and more. Call A Doctor Plus work with groups to communicate the value of Telemedicine to their employees on a regular basis, driving education and awareness, resulting in industry leading utilization which leads to employer satisfaction and ROI.
CALIFORNIA DENTAL NETWORK
California Dental Network (CDN) is a Dental Health Plan that offers a variety of comprehensive dental benefit plans designed to meet the needs and budget of the groups, individuals and families living or working in the State of California. CDN is committed to offering the best value for the member’s premium dollar with some of the most comprehensive schedule of covered benefits, the lowest copayments, the largest selection of dental providers, and our Member Service Representatives are committed to be second to none in the industry. CDN is licensed by the California Department of Managed Health Care under the Knox-Keene Health Care Service Plan Act, which is one of the most comprehensive regulatory programs in the United States.
CaliforniaChoice is a unique program that allows employers with 2 to 50 employees to set a monthly budget for employee health benefits, offering each of their employees the ability to choose from a selection of multiple health plans, optional ancillary benefits, and a payroll solution that makes the administration side of their business easy—all in one package with one consolidated monthly bill.
CHINESE COMMUNITY HEALTH PLAN
Founded over 25 years ago, CCHP is part of a unique Integrated Delivery System united in the mission to make quality, affordable health care accessible to the community. Originally conceived out of needs of San Francisco’s Chinese-American community, they have evolved to meet the healthcare needs of everyone in the community. CCHP was founded in 1986 by the non-profits, Chinese Hospital and Chinese Community Health Care Association (CCHCA), now third largest Independent Physicians Association in San Francisco. Since then, CCHP has grown to cover 17,000 direct members and provide care for an additional 16,000 lives. They offer health plans for small and large employer groups, individuals, and Medicare Advantage for those over 65 years of age.
Choice Builder® gives employers with 2-199 employees access to some of the nation’s premier dental, vision, chiropractic and life carriers – all in ONE program. Whether you’re already offering optional benefits, or looking to add them for the first time, with Choice Builder you can pick and choose the benefits you like best and build a program that makes sense for your business, your budget and your employees. And, Choice Builder offers both voluntary and employer sponsored benefits so it fits into any budget.
CIGNA is one of the largest national providers of health care benefits and health services. CIGNA’s broad portfolio of group medical and specialty health care products and services are all designed with your clients’ health care needs in mind—to provide quality service and reduce costs.
CoPower was founded in 1995 to bring big company benefits to small group employers. One of the product lines that CoPower offers is CoPower ONE. It is an easy way to offer ancillary benefits to the employer—the group fills out one application, gets one bill, and the package is available at one fixed price per employee! CoPower ONE features three comprehensive packages of dental, vision, and life coverages that cover a range of deductibles, provider networks, and services offered to fit any budget. And, the products are underwritten by Delta Dental of California, VSP, and Unum, so employees receive top-quality coverage from trusted carriers.
COPOWER SELECT: ANTHEM BLUE CROSS
CoPower Simple. Anthem Strong. The addition of Anthem Blue Cross (Anthem) products to CoPower’s portfolio means you’ll be able to offer your clients a complete line of dental, vision, and life coverages from Anthem, one of the most trusted carriers in the nation. Combine that with the simplicity, superior service, and “one-stop shopping” that CoPower has become renowned for, and it’s a win-win situation for you and your clients.
COPOWER SELECT: DELTA DENTAL
With more than 92% of California dentists and 143,000 dentist locations nationwide, Delta Dental offers the industry’s largest dental network. Delta’s contracts with dentists allow them to keep tight control over treatment costs and quality of care provided to enrollees, making their HMO, PPO, and traditional fee-for-service programs the best managed care values on the market. With their variety of plans and direct payments to dentists, 98% of Delta enrollees renew every year. In addition, CoPower provides a full range of administrative services for Delta Dental.
COPOWER SELECT: LANDMARK
Stand out from the crowd by choosing to offer Landmark chiropractic or a Landmark chiropractic/acupuncture benefit plan from CoPower. Since 1985, Landmark has been providing affordable access to a high quality network of providers. Landmark works directly with over 1500 chiropractors and acupuncturists to offer benefit plans that can meet the physical medicine needs of Californians. Chiropractic and acupuncture are effective low cost alternatives to drugs and surgery, mitigating the high cost of healthcare for their employers.
COPOWER SELECT: METLIFE
With more than 140 years of experience in the insurance business and 90 years in the group benefits business, MetLife is positioned to meet its obligations to your clients and their employees both today and in the future. MetLife is the largest administrator of dental benefit plans among all single commercial carriers, providing dental plan coverage for nearly 21 million people. MetLife, through CoPower, is offering access to great employer paid and voluntary plan options
COPOWER SELECT: UNITEDHEALTHCARE
UnitedHealthcare through CoPower allows you to offer your clients access to great care at very competitive rates with simple plan choices and easy enrollment through Health Connect (up to 100). United Healthcare owns their dental and vision networks, some of the largest in the state, which keeps rates low. Simplified plan offerings are available from CoPower for Voluntary and employee sponsored options with special features at competitive rates.
COPOWER SELECT: UNUM
Unum’s life, disability, long term care, and voluntary insurance products are backed by 10,000 employees with an unwavering commitment to meeting the needs of customers. Unum is a partner in helping companies deliver better benefits through unique plan designs, effective benefits education, claims expertise, flexible funding options and administrative support. A leading provider of employee benefits, Unum has a 160-year history of not only helping protect employees from the unexpected, but also helping companies recruit and retain a talented workforce. Unum knows that companies that care about their employees and value the time and passion they put into their work offer great benefits packages, including Unum.
COPOWER SELECT: VSP
For nearly half a century, VSP has been a trusted advisor in eye care wellness benefits. As the nation’s largest provider of eye care coverage, more than one in 10 Americans is a VSP member. As a VSP member, your clients have access to the largest eye care doctor network and all plans provide a thorough eye examination. VSP was one of the first eye care health plans to use stringent National Committee for Quality Assurance guidelines to credential all VSP doctors. VSP’s doctor network is so comprehensive, that over 90 percent of members have access to a VSP doctor within 10 miles of work and home.
CoPower and MetLife have partnered to deliver an employee benefits solution for your clients. By leveraging our strengths and expertise, they are able to offer competitive group rates and plan designs to help meet and exceed your clients’ needs. With more than 140 years of experience in the insurance business and 90 years in the group benefits business, MetLife is positioned to meet its obligations to your clients and their employees both today and in the future. CoPower Suite has different fits for different group sizes. Groups with 5-50 employees can buy an ancillary package with dental, vision and life that includes single, dual or triple option for dental, depending upon group size. Groups with 2-4 employees can purchase a comprehensive dental PPO with basic term life. Either way, it’s all in the package.
In 2010, California was the first state in the nation to enact legislation to implement the provisions of the federal Affordable Care Act by creating a health care marketplace — Covered California. The Covered California™ mission is to increase the number of Californians with health insurance, improve the quality of health care for all of us, reduce health care coverage costs and make sure California’s diverse population has fair and equal access to quality health care.
Emplicity, a broker-friendly Professional Employer Organization (PEO) is an all-in-one human resources service for small to mid-sized companies that more efficiently administers the payroll, employee benefits and human resources burdens that inhibit growth and prosperity. Emplicity offers a simple and affordable alternative to the challenges of employee management, with a full range of HR outsourcing services designed to simplify your business. All custom-tailored to meet your unique requirements, while providing just as much, or as little, help as you need – along with a level of personal service that sets a new standard for the industry. Since 1995, Emplicity has made employee management simple for thousands of employees and businesses looking to focus on what they do best.
A leader in the commercial property and casualty insurance industry specializing in workers’ compensation products and services. Employers was founded in 1913 as the Nevada State Workers’ Compensation Fund and privatized in 2000 – becoming Employers Insurance Company of Nevada. It entered the California market in July 2002 and is now the 9th largest private writer of workers compensation policies in California. Employer is Rated A- (Excellent) from A.M. Best Company and operates in 30 states with 900 employees. Their Integrated MediComp product, a partnership with Anthem Blue Cross since 2002, provides savings for employers on workers’ compensation insurance premiums and potential savings for employees on medical premiums. Integrated MediComp also consolidates medical and workers’ compensation payments into one bill, and provides for efficient case management.
ERISA COMPLIANCE SERVICES, INC.
ERISA Compliance Services, Inc. (ECS.) is a Fresno-based third party administrator of Qualified Health & Welfare Plans. Our current level of experienced personnel allows us to provide personal, quality, response-oriented service to all our clients throughout California. ECS’s strengths are based on our ability to provide rapid turnaround on administrative functions, ready access to administrative personnel, competitive fee schedules, and exceptional employee/employer communication techniques.
Offering travel medical and international health insurance, GeoBlue can assist brokers in providing health plans and services to their clients that travel all around the globe. Members can travel with confidence, knowing an experienced GeoBlue global health coordinator will schedule doctor appointments, guarantee payments for cashless access to care and arrange for any necessary follow up treatment.
Health Net is among the most respected health care companies in California, with an extensive network of more than 48,000 physicians, 750 physician group locations, and 4,600 pharmacies serving more than 2.5 million members. The company’s HMO, insured PPO, and government contracts subsidiaries provide health benefits to approximately 5.3 million individuals in 15 states through group, individual, Medicare, Medicaid, and TRICARE programs.
HR360 provides brokers and their clients with a new, award-winning online library that delivers comprehensive, easy-to-navigate human resources and benefits news, content, tools and forms to companies nationwide.
Their online HR library also features dynamic interactive HR tools such as a job description builder and a salary benchmarking tool. You’ll also find easy, step-by-step guidance on how to comply with major laws including Health Care reform, COBRA and FMLA as well as key HR functions such as hiring and terminating employees. Whether you have five employees or 500 — our comprehensive, easy-to-use site makes it easy to stay compliant.
Online HR Library Features include an interactive compliance guides that provide step-by-step direction on how to properly conduct performance reviews, interview, hire and terminate employees; A Benefits Compliance Calendar; Step-by-step interactive guide for implementing COBRA and FMLA ; Fast, efficient online HR tools for developing job descriptions and salary benchmarking; Over 700 downloadable forms, posters and model notices; Federal and state employment law information; Monthly HR and benefits newsletter and more.
Founded in 2001, HRAnswerLink is the nation’s premier provider of on-demand human resource products and services. Their SaaS modules have been developed so they can be offered as a cohesive or standalone product – whatever best suits the needs of your clients.
Their current affiliate base includes Payroll Service Bureaus, Insurance Brokers and Agents and a wide variety of other business groups and organizations across the United States. They offer BRANDED, CONFIDENTIAL and DEPENDABLE HR services to nearly 50,000 small and medium size businesses.
Founded in 1945, Kaiser Permanente is the nation’s largest not-for-profit health plan, serving more than 8.6 million members, with headquarters in Oakland, California. At Kaiser Permanente, physicians are responsible for medical decisions. The Permanente Medical Groups, which provide care for Kaiser Permanente members, continuously develop and refine medical practices to help ensure that care is delivered in the most efficient and effective manner possible.
Kaiser Permanente’s creation resulted from the challenge of providing Americans medical care during the Great Depression and World War II, when most people could not afford to go to a doctor. Among the innovations it has brought to U.S. health care are: prepaid health plans, which spread the cost to make it more affordable; physician group practice to maximize their abilities to care for patients; a focus on preventing illness as much as on caring for the sick; and an organized delivery system, putting as many services as possible under one roof.
LifeMap Assurance Company is a life and disability insurance carrier offering additional benefits such as dental, vision, accident and illness coverage. Our products deliver financial security, access to care, and confidence to live life to its fullest. LifeMap has a long history of helping people choose the right insurance coverage for every stage of their lives. We’ve been a trusted provider of comprehensive group life and disability insurance products and services since 1984. People do business with us because of our high value products, our easy-to-understand language and our local, personalized service. Our thoughtful guidance helps people choose the coverage they truly need through life’s transitions.
MANAGED HEALTH NETWORK (MHN)
MHN has provided Employee Assistance Program (EAP) services since 1974 to over 700 organizations including Fortune 500 companies, government agencies, health plan carriers, insurers and Taft-Hartley Trust Funds. Their comprehensive suite of EAP services and their extensive network of clinicians, consultants and trainers can help make your clients’ bottom lines stay profitable by helping their employees manage emotional health and family- and work-related challenges.
MEDIEXCEL HEALTH PLAN
MediExcel Health Plan is a cross-border HMO offering covered health benefits to employer groups in San Diego and Imperial County, with care delivery in Mexico. Our all-inclusive, 22-story, state-of-the-art healthcare campus in Tijuana is staffed with 300+ highly-trained bilingual physicians and medical personnel, and includes Primary & Specialty Care, Pharmacy, Laboratory, Imaging, Dental, and 24-hour access to Physicians.
MediExcel Health Plan features:
- ACA compliant.
- All-inclusive Healthcare Campus in Tijuana and Medical Network in Mexicali.
- Worldwide Emergency & Urgent Care Coverage, including 58 MinuteClinic locations throughout California.
- Standalone dental plans.
- Will accept a minimum of 1 enrolled employee.
MediExcel…The Next Generation of Cross-Border Healthcare.
MetLife, Inc. is a leading provider of insurance and other financial services to millions of individual and institutional customers throughout the United States and around the world. The MetLife companies offer life, accident and health insurance, retirement and savings, and reinsurance products through agents, third-party distributors such as banks and brokers, and direct marketing channels. MetLife works with families, corporations and governments to provide them with solutions that offer financial guarantees in their lives. Their name is recognized and trusted by more than 70 million customers worldwide and over 90 of top 100 FORTUNE 500 companies in the United States. MetLife has the experience, global resources and vision to provide financial certainties for an uncertain world.
Premier Access, one of the largest PPO networks in California, offers a wide range of dental benefits with options to meet even the most challenging needs. Their Premier Choice Network (PCN) is available to members with minimal or no out-of-pocket expenses. They even offer pure indemnity products without any association with their provider network and provide self-insured products with all the services needed to administer any dental benefit arrangements. Their products are offered with a wide range of deductibles, co-payment levels, orthodontic options, and maximum annual dollar coverage. This flexibility provides the dental benefits solutions to meet your clients’ specific needs.
PrimePay is a workforce management solutions provider, offering a full range of personalized payroll solutions and integrated HR consulting services. PrimePay is a privately owned, national company, serving all 50 states from over 30 office locations. With over 27 years in the business, and a 90% client retention rate, they’ve developed a reputation for delivering some of the best and most personal client service available. Their dedicated PrimePROSM representatives act as a single point of contact for each of their clients, making PrimePay more responsive, more proactive and more effective in helping clients manage their staff at every stage of the employee lifecycle.
PRINCIPAL LIFE INSURANCE COMPANY
Principal Life Insurance Company (The Principal®) has over 120 years in the insurance business, over 55 years as a leader in employee benefits, and more than 120,000 group insurance, and retirement plan customers of all sizes. They are one of the largest employee benefit providers in the nation. Principal Life offers dental, life, vision, and disability insurance through LISI.
Reliance Standard Life Insurance Company (Reliance Standard) is a leading insurance carrier specializing in innovative and flexible employee benefits solutions including disability income, and group term life insurance and a suite of voluntary (employee paid) coverage options and fully integrated absence management. Reliance Standard markets these solutions through independent brokers and agents to employers of all sizes. Rated A (Excellent) by A.M. Best, Reliance Standard began its centennial year in 2006. RSL SmartChoice for small groups incorporates Short Term Disability, Long Term Disability, Life/AD&D and Dental/Eye Care benefits.
SHARP HEALTH PLAN
Sharp Health Plan is the only commercial health plan based in San Diego. Their health plan options provide coverage for employers throughout San Diego and Riverside Counties, combining affordability, flexibility and choice, while ensuring high quality health care and customer service. In addition, plans include valuable enhancements, such as interactive wellness resources, dental discounts, and an exclusive global emergency services program.
Sharp Health Plan is a subsidiary of Sharp HealthCare, San Diego’s largest private employer and the largest provider of comprehensive health care services in the County. In 2007, Sharp was one of only five organizations to receive the Malcolm Baldrige National Quality Award—the nation’s highest Presidential honor for quality and organizational performance excellence. Sharp is the first health care provider in California to receive this recognition.
STERLING HEALTH SERVICES ADMINISTRATION
With more than 10 years of experience serving employer groups of all sizes, Sterling Health Services Administration reduces the administrative burden for clients so they can focus on running their businesses. We offer worry-free administration for health savings accounts, flexible spending accounts, health reimbursement arrangements, premium only plans and COBRA. Our products integrate well with carriers for auto claims payment or reimbursement through HSA, FSA and HRA accounts. And we understand how critically important it is for healthcare benefits programs to be in full compliance with increasingly complex regulations. Our dedicated and certified compliance team offers peace of mind with expert ERISA wrap, form 5500 filing, nondiscrimination testing, and a myriad of PPACA related compliance services. We’re so sure that clients will be satisfied with our service that we offer a money back guarantee.
SUTTER HEALTH PLUS
Not-for-profit Sutter Health Plus offers competitively priced HMO health plans in the greater Sacramento, Central Valley and Bay Area communities. When you choose Sutter Health Plus, you gain access to a high-quality provider network that 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. The HMO’s network includes 25 hospitals and campuses and 5,600 physicians in 14 Northern California counties.
Sutter Health Plus offers a variety of health plan options to help consumers meet their needs and budgets. Plan designs include traditional, deductible and HSA-compatible high-deductible health plans. Services include: a mail order pharmacy program and conveniently located retail pharmacies; preventive care covered at no additional out-of-pocket cost; a 24/7 nurse advice triage line; and My Health Online (not offered by all providers) to schedule appointments, renew prescriptions and email doctors.
TASC (Total Administrative Services Corporation) provides complete third-party administrative services for employers of all sizes with a specialty in small businesses. Starting out as an insurance agency in Wisconsin’s farmlands, TASC has grown to a total business solutions company with 220 employees and clients in all 50 states.
TASC’s group division provides employee benefits administration offering products such as COBRAToday (full COBRA administration), FlexSystem (Section 125 FSA administration), ERISAEdge (ERISA compliance services), FMLAMatters (FMLA administration and compliance services), and DirectPay (HRA administration).
TriNet provides small and midsize businesses with an HR solution so they can free themselves from the complexities of HR and focus on their goals. As their trusted HR business partner, TriNet assumes many of the responsibilities ofbeing an employer and helps these companies contain HR costs, minimize employer-related risk, and relieve the administrative burden of HR. TriNet offers bundled HR products, along with additional cloud products and strategic services, resulting in a comprehensive and empowering solution.
UnitedHealthcare is a division of UnitedHealth Group, a Fortune 50 company and the single largest health coverage carrier in the country, offering a wide range of health care plans to fit small business needs. As a recognized leader in the industry, UnitedHealthcare works to enhance the health care experience for the 75 million members they serve. This includes working with providers and physicians to improve the quality and efficiency of health care services, providing greater access to health care for their members and the underserved, developing and implementing products and programs that help their members manage health care costs, and using technology to help their members better navigate the health care system. Their nationwide network includes more than 660,000 physicians and health care professionals, 5,100 hospitals and 64,000 pharmacies.
Unum is identified as one of Forbes most reputable companies, and is the number one provider of individual and group disability benefits in America. They have over 165 years of experiences in providing financial protection benefits to individuals and their families with the financial security they need because of the inability to work due to illness or injury. Unum offers a full array of benefits: STD, LTD, Individual Disability, Accident, Critical Illness, Hospital Indemnity, Term Life, Whole Life, and Dental.