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California health plans for your small business

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CALIFORNIA

Care by the numbers

2,761,382total members¹

414network hospitals¹

133,176network physicians and health care professionals¹

21,625full-time California UnitedHealthcare employees²

Find a California plan that fits³

Choose from a variety of provider networks available in California to provide you with access and cost options to help meet your business needs.

$Pricing$$$

15,910

SignatureValue®
Harmony
HMO plan

26,284

SignatureValue®
Alliance
HMO plan

45,148

SignatureValue®
HMO plan

43,065

Navigate®

37,661

Core®

65,236

Select®

#Access###

Number of physicians and health care professionals*

NetworkSignatureValue Harmony HMO planSignatureValue Alliance HMO planSignatureValue HMO planNavigateCoreSelect
TypeHMOHMOHMOPPOPPOPPO
DescriptionNetwork based in major metro areas leveraging the Optum and Canopy physician groups and medical centersCustomized CA network of highly effective medical groups focused on providing patient-centered careLargest CA HMO networkStatewide network with managed careCA-wide network of physicians and hospitalsAccess to a national network with out-of-network flexibility
AccessReferralsReferralsReferralsReferralsOpen AccessOpen Access
CoverageNetwork onlyNetwork onlyNetwork onlyNetwork onlyNetwork and out-of-network coverage optionsNetwork and out-of-network coverage options
ProviderChoose primary care providerChoose primary care providerChoose primary care providerChoose primary care providerIncentives to use preferred providersIncentives to use preferred providers
Number of Providers*15,91026,28445,14843,06537,66165,236

The more you bundle, the more you may save

Enhance your employee benefits package with dental, vision and financial protection plans. You may lower your medical plan costs when you bundle one or more UnitedHealthcare specialty plans with your UnitedHealthcare medical plan.

Dental

Our national dental network provides quality access to care with more than 118K PPO providers and more than 85K exclusive network access points.⁴ With so many network providers, it's easy for your employees to help keep costs down for the services they need.

Vision

Includes coverage for a comprehensive eye exam, potential discounts on eyewear and discounted laser vision correction procedure through our collaborations with the Laser Vision Network of America and LasikPlus® Vision Centers.

Financial protection

Plans are designed to help pay for covered unexpected events that may impact financial security, health and well-being. Guaranteed-issue plans are available for life and disability coverage.

Ask to include dental, vision and financial protection in your medical quote

UnitedHealth Group was the top-ranking company in the Health Care: Insurance and Managed Care sector on Fortune’s 2023 “World’s Most Admired Companies” list for the 13th year in a row.⁵
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Access to the nation’s largest proprietary network⁶

With UnitedHealthcare, your employees have greater access to doctors and hospitals in California — and throughout the country:

  • 1,737,273 physicians and health care professionals⁷
  • 5,593 hospitals⁷

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Time-saving digital tools

  • Employer uhceservices® helps you manage enrollment, eligibility, and billing in real time.
  • myuhc.com® gives your employees easy access to their plan — they can find and price network care, view claims, and more. 
  • The UnitedHealthcare® app, the mobile version of myuhc.com, is designed to keep employees connected to their health plan while on the go.
  • 24/7 Virtual Visits connects employees to a provider by phone or video* through myuhc.com or the UnitedHealthcare app.

*Data rates may apply

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More ways to healthier through incentive and wellness programs

  • UnitedHealthcare Rewards (UHC Rewards) is a program where employees and their spouses may earn rewards for reaching certain program goals and completing one-time activities.
  • Care Cash® helps employees pay toward cost sharing of certain eligible network health care expenses and encourages them to use quality care. This preloaded debit card can be used for UnitedHealth Premium® provider visits as well as network primary care provider visits, 24/7 Virtual Visits, urgent care visits and outpatient behavioral health visits.
  • Real Appeal® takes an evidence-based approach to support weight loss to help people make small changes necessary for larger long-term health results. Real Appeal uses highly interactive videos and live online coaching to help drive small behavior changes.
  • One Pass Select™ is designed to help employees meet their fitness goals by offering greater flexibility of payment and access to a nationwide network of fitness locations. Employees may choose from 4 membership tiers based on their price and gym/fitness facility preferences.

Frequently asked questions

How many employees do I need to have in order to qualify for small group insurance?

Generally, you must have between 2 and 50 full-time equivalent employees, which is defined as one who is working 30 or more hours per week on average. Your part-time employees’ hours will contribute to the required full time equivalent. This could change depending on specific state regulations, so please contact one of our representatives to discuss this in further detail.

Do you offer coverage in my area?

As a small business with fewer than 50 employees, am I required by law to offer health insurance?

What is a network provider?

How do members find out if their doctor is in-network for their plan?

Learn more about small business health insurance

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