California Group Health Insurance

Groups of 1 to 50

We have a variety of group coverage options for small businesses in California.

To view medical plans and receive a health insurance quote, visit smallbusiness.uhc.com.

Groups of 100 to 5,000

For group sizes 100 to 5,000 requestOpens a new window a customized health insurance quote.

Choice Plus PPO/Choice EPO

UnitedHealthcare provides network and out-of-network benefits, plans for single-site, multi-site and multistate businesses and variable options for deductibles, coinsurance and pharmacy plans that help meet employers’ needs. The new Minimum Value plans offer low premium options and comply with the new Health Care Reform standards for employers to provide minimum coverage.

Select Plus PPO/Select EPO

UnitedHealthcare provides network and out-of-network benefits, plans for single-site, multi-site and multi-state businesses and variable options for deductibles, coinsurance and pharmacy plans that help meet employers’ needs.

Select Plus plans help give members the freedom to see any doctor in or outside the Select Plus network without a referral.

Benefits of the Select Plus plan include:

  • Members visit any participating network physician or facility (including specialist) without a referral.
  • When members visit participating network physicians and hospitals, there aren’t any claim forms or bills to worry about.
  • Range of plan designs with different deductible levels, copayments, coinsurance and out-of-pocket amounts.

Core PPO/Core Essential EPO

UnitedHealthcare Core plan is designed to give members the freedom to choose from any health care professional in the UnitedHealthcare Core network, including specialists, without a referral or choosing a primary care physician (PCP). Since Core is an open-access product, members can seek care from any provider, but they may pay more out-of-pocket costs when they do not receive care from network providers or facilities.

Navigate Plus PPO/Navigate EPO

The UnitedHealthcare Navigate product is built on the fundamentals of patient-centered care, with the goal of enhancing the patient-doctor relationship and promoting better health and lower costs. Upon enrollment in any Navigate plan, members must select a primary care physician (PCP) from the Navigate network. PCPs can be general practitioners, family practitioners, internists, OBGYNs or pediatricians. Each family member can choose a different PCP to manage their health care needs.

Options PPO

The Options PPO plan is a traditional health plan with copayments, coinsurance and deductibles. Members have access to a broad network of physicians and hospitals nationwide. The plan design offers two levels of coverage – a higher level of benefits apply for network services, and a lower level of benefits is available for non-network services with higher deductibles. The plan includes a full spectrum of covered services and direct access to specialists without the need to gain approval from a primary care doctor.

Members have the freedom to see any health care professional or visit any facility in our nationwide network, including specialists, without a referral and without choosing a primary physician. Members can choose services outside of our network, which are normally at a higher coinsurance, and/or deductible level.

Added Features

  • Access to UnitedHealthcare Care CoordinationSM services

  • Access to UnitedHealthcare’s Web site myuhc.com®

  • The freedom to choose any doctor for health care needs. No referrals needed.

  • Cost savings by using a network physician

    Notification required for a number of network and non-network services (e.g., hospital stays).

    It is the member’s responsibility to obtain approvals for both network and non-Network services.

  • No referral to see a specialist

    If a non-network physician is chosen, out-of-pocket costs may be higher and it is the member’s responsibility to obtain approvals and submit claims.

Options Non-Differential PPO

UnitedHealthcare’s Non-Differential PPO product provides maximum freedom for dealing with any health care situation. This flexible product provides a broader-based coverage to include more doctors and specialists to visit without referrals. With this version of health insurance, benefits are provided for covered health services received from any physician or other licensed health care professional.

Signature Value HMO

The Signature plan includes our full network of contracted providers. With this HMO plan, members simply choose a primary care physician (PCP) from our full network of contracted providers to coordinate all their medical care. They can then visit their PCP for routine checkups, and when they need to see a specialist, their PCP provides a referral. Members are charged only a copayment for each doctor’s visit. Preventive care, including checkups, is covered. 

Signature Value Advantage HMO

The Advantage plan offers the same level of benefit coverage as a traditional HMO plan at a lower premium. The difference is in the network. The Advantage plan offers a narrower network of contracted providers. Members must choose a PCP from the Advantage network to coordinate all their medical care. 

Signature Value Alliance HMO

Designed with affordability and quality in mind, the Alliance plan puts members at the center of a “patient-centered care” experience to promote better outcomes and lower costs. In just three years, Alliance has reduced medical costs by more than $19 million, compared to a traditional HMO plan.* Upon enrollment, members select a PCP to coordinate their care throughout a network of well-recognized physicians and facilities selected based on a track record of practicing evidence-based medicine and keeping costs in check. Alliance physicians are committed to using and sharing de-identified health data to advance best practices and help deliver better care, every step of the way.

* Data is based on UnitedHealthcare’s actual medical expenses by county and by HMO network product (Q2, 2016). The data has been normalized based on each member’s age, sex and plan factors. 

SignatureValue Focus HMO

Introducing Focus, an HMO plan that provides the same level of coverage as our traditional HMO plan, but at a lower price. A refined local, narrower network is designed to help improve cost controls. Members must select a PCP from the Focus network who coordinates care with other physicians and specialists in the network. The plan includes preventive care checkups and wellness programs at no additional cost. Focus offers employers a number of favorable premium and benefit design options, and provides members with the health coverage they want and need at a more predictable and lower cost. 

 

Groups larger than 5,000

For group sizes larger than 5,000 requestOpens a new window a customized health insurance quote.

UnitedHealthcare Choice

You can use any doctor, clinic, hospital or health care facility in the national network, which saves you money. But you won’t have any coverage if you go out of the network.

The Choice Plan highlights

Use our national network to save money.

  • Save money by staying in our network. A network is a group of health care providers and facilities that have a contract with UnitedHealthcare. You can receive care and services from anyone in our network. If you don’t use the network, you’ll have to pay for all of the costs.
  • There's no need to select a primary care physician (PCP) or get referrals to see a specialist. Consider choosing a PCP. Your PCP can be your partner in managing your care.
  • Preventive care is covered 100 percent in our network.

The network can help lower your costs.

The doctors and facilities in our network have agreed to provide you services at a discount. We have:

  • 895,000+ physicians and health care professionals
  • 5,600+ hospitals

How paying for network care works

  • You pay a copayment for doctor visits and prescriptions. You will pay a lower copay when you use Tier 1 providers.
  • You pay a deductible before your plan will pay for covered services.
  • Your pay coinsurance, where you share a percentage of the cost with your plan. You may pay a lower percentage when you use Tier 1 providers.
  • You reach an out-of-pocket limit. You'll never pay more than your out-of-pocket limit during the plan year. The out-of-pocket limit includes all of your network payments. 

You may be required to receive approval for some services before they can be covered.

Summary of covered services

This plan covers the following health care services and more, including:

  • Doctor office visits
  • Emergency services
  • Hospital care
  • Lab services
  • Mental health and substance use disorder services
  • Outpatient care services
  • Pregnancy and newborn care
  • Prescription drugs
  • Preventive care services
  • Rehabilitation services and devices
  • Wellness services

This may not be a complete list of the services covered under this plan. See your health plan documents for coverage details.

UnitedHealthcare Choice Plus

With this plan, you can use any doctor, clinic, hospital or health care facility you want. You save money when you use the national network. You also have coverage if you use out-of-network providers.

The Choice Plus Plan highlights

Get a plan with access to a national network and the choice of out-of-network coverage.

  • Save money by staying in our network. A network is a group of health care providers and facilities that have a contract with UnitedHealthcare. You can receive care and services from anyone in our network.
  • There’s coverage if you need to go out of the network. You can receive care and services from anyone in or out of our network. Out-of-network means that a provider does not have a contract with us. It’s important to remember, out-of-network providers will likely charge you more than network providers.
  • There's no need to select a primary care physician (PCP) or get referrals to see a specialist. Consider choosing a PCP. Your PCP can be your partner in managing your care. They can help you avoid duplicating tests and services and connect you to a specialist.
  • Preventive care is covered 100 percent in our network.

Look for care in our network first.

The doctors and facilities in our network have agreed to provide you services at a discount. We have:

  • 895,000+ physicians and health care professionals
  • 5,600+ hospitals

How paying for network care works

  • You pay a copayment for doctor visits and prescriptions.
  • You pay a deductible before your plan will pay for covered services.
  • You pay coinsurance, where you share a percentage of the cost with your plan.
  • You are protected with an out-of-pocket limit. You'll never pay more than your out-of-pocket limit during the plan year. The out-of-pocket limit includes all of your network payments.

You may be required to receive approval for some services before they can be covered.

Summary of covered services

This plan covers the following health care services and more, including:

  • Doctor office visits
  • Emergency services
  • Hospital care
  • Lab services
  • Mental health and substance use disorder services
  • Outpatient care services
  • Pregnancy and newborn care
  • Prescription drugs
  • Preventive care services
  • Rehabilitation services and devices
  • Wellness services

This may not be a complete list of the services covered under this plan. See your health plan documents for coverage details.

Health Reimbursement Account (HRA)

Which is more effective in changing consumer health behavior – a CDHP or traditional plan? How does each affect health outcomes and cost?  We've spoken to many employers, of all sizes, and this is one of their main inquiries.

Through our research of large employers, we've found that a HRA delivers demonstrated savings over traditional PPO plans – with those enrolled in the CDHP being 12 - 20 percent healthier than their peers in traditional plans.

With our flexible plan designs and affordable cost options, the HRA maximizes the value of your health care dollars, all while encouraging your employees to become more engaged in managing health care spending

As the employer:

  • You determine fund management guidelines, including contribution amounts and carry-over opportunities.
  • You define when funds in the HRA are available for reimbursement, and what types of medical expenses qualify for reimbursement.
  • We offer a variety of HRA administration options to choose from. The types of HRA's provide of range of member cost sharing levels that can be designed to move members in their level of engagement.
    • First Dollar HRA's allows immediate access of funds for employees.
    • Split Deductible HRA's allow the funds in the HRA to be used only after the employee has paid a portion of their initial medical costs out of their own pocket
    • Shared HRA allows the HRA to pay 50% of each claim submitted and the member shares the remaining 50% of each claim
    • HRA with Retiree Savings is a packaged offering that incents members to spend their HRA wisely so remaining balances can be saved for future retirement medical expenses.

HRA lets your employees:

  • Benefit from an employer-funded, employer-tax-advantaged health reimbursement account (HRA)
  • Access coverage on services outside the scope of preventive care
  • Share health coverage costs with the plan
  • Get 100% coverage for in-network preventive care
  • Choose from a variety of cost-effective health and wellness services
  • Use our innovative phone- and web-based health management tools

In addition to a broad array of tools, knowledge and support, we proactively reach out to employees with valuable, personalized information. Our focused communications include:

  • Targeted messages on health statements and our member Web site, highlighting opportunities to improve and maintain health, and information to manage the health care experience more easily.
  • Health Coach outreach via Web or telephone to assist with chronic condition management for diabetes, asthma, and other diseases.

Sample Health Statement targeted message:

Health Statement Sample

How the Plan Works

HRA plans help maximize the value of your health care dollar because they recognize the crucial fact that members who are required to "manage their own accounting" for health care services are likely to manage it more effectively.

But HRA plans are also user-friendly in ways that others often aren't. Members can see any network doctor without a referral and have access to a rich array of tools and resources designed to support healthier lifestyles. Plus, preventive care is covered up to 100%.

Employers and Employees will find that the HRA places a greater emphasis on personal responsibility and more informed decision making. Employees are in control with access to personalized health care plus decision support tools that help them use health care wisely.

Employers fund their employees' HRAs

Employees then use their HRA to pay for their health care expenses, including deductibles and coinsurance. Unused HRA funds can be carried over to the following plan year.

Definity HRA Diagram

Health Savings Account (HSA)

The HSA combines the flexibility of a medical insurance plan with the cost effectiveness of a tax-advantaged savings account.

HSAs help your employees play a larger role in their own health care by letting them:

  • Access health coverage in the form of an Annual Deductible Health Plan1
  • Enjoy 100 percent coverage for in-network preventive care services
  • Choose from a variety of cost-effective health and wellness services
  • Opt for a tax-advantaged health savings account with multiple trustee and investment choices
  • Use our innovative phone- and web-based health management tools

We also provide the personal support to our members that allow them to get the most out of their account. All of the following are available via myuhc.com.

  • Use online calculators to calculate future savings and contribution amounts
  • View account balance, monthly statements, and more
  • Set up contributions and transfer funds
  • Pay bills
  • Check deposits or withdrawals
  • Activate Health Savings Account MasterCardSM
  • Set or reset phone or Web password
  • Learn about investment options and more

View and print a description of this product (PDF)

An Integrated Banking Experience

At UnitedHealthcare, you not only have a partner with extensive experience in the health care industry, but a nationwide leader in HSA administration, Optum Bank, Member FDIC, ensuring the security of your account.

We offer you:

  • A single point of contact
  • Simpler enrollment and contribution process
  • Integrated employee communications and enrollment

We offer your employees:

  • Access to health and bank information, any time
  • Use of online calculators to estimate out-of-pocket costs
  • Time and money savings through more informed decision-making about medical treatments and overall wellness.

As a UnitedHealth Group company with more than $1 billion in deposits, Optum Bank is one of the few banks dedicated to health care. Combine that dedication and experience with a HSA from UnitedHealthcare, and you have a single relationship that you, and your employees, can count on.

Learn more about what Optum Bank can do for you.

How the Plan Works

Employees fund their individual HSAs with pre-tax dollars and employers can also contribute to this account.

Employees then use their HSA to pay for their health care expenses, including deductibles and coinsurance. Unused HSA funds belong to the employee.

Navigate Plus PPO/Navigate EPO

The UnitedHealthcare Navigate® product is built on the fundamentals of patient-centered care, with the goal of enhancing the patient-doctor relationship and promoting better health and lower costs. Upon enrollment in any Navigate plan, members must select a primary care physician (PCP) from the Navigate network. PCPs can be general practitioners, family practitioners, internists, OBGYNs or pediatricians. Each family member can choose a different PCP to manage their health care needs.

UnitedHealthcare Options PPO

The Options PPO plan is a traditional health plan with copayments, coinsurance and deductibles. Members have access to a broad network of physicians and hospitals nationwide. The plan design offers two levels of coverage – a higher level of benefits apply for network services, and a lower level of benefits is available for non-network services with higher deductibles. The plan includes a full spectrum of covered services and direct access to specialists without the need to gain approval from a primary care doctor.

Members have the freedom to see any health care professional or visit any facility in our nationwide network, including specialists, without a referral and without choosing a primary physician. Members can choose services outside of our network, which are normally at a higher coinsurance, and/or deductible level.

Added Features

  • Access to UnitedHealthcare Care CoordinationSM services
  • Access to UnitedHealthcare’s Web site myuhc.com®
  • The freedom to choose any doctor for health care needs. No referrals needed. 
  • Cost savings by using a network physician
  • Notification required for a number of network and non-network services (e.g., hospital stays).
  • It is the member’s responsibility to obtain approvals for both network and non-Network services.
  • No referral to see a specialist
  • If a non-network physician is chosen, out-of-pocket costs may be higher and it is the member’s responsibility to obtain approvals and submit claims.

UnitedHealthcare Options Non-Differential PPO

UnitedHealthcare Non-Differential PPO provides coverage for members who do not have standard access to the UnitedHealthcare PPO network service area. All care is reimbursed at a single coinsurance level. Members are not required to use a network provider. However, cost savings are available if members do receive care from a UnitedHealthcare PPO network provider. The member is responsible to obtain all approvals and submit claims.

View and print a description of this product (PDF)

Added Features

  • Access to UnitedHealthcare Care CoordinationSM services
  • Access to UnitedHealthcare's Web site myuhc.com®
  • The freedom to choose any doctor for your health care needs. No referrals needed
  • Cost savings by going to a network physician

Note: UnitedHealthcare's national benefits portfolio supports a broad range of products and plan designs including Traditional plans, Consumer-Driven Heath plans with HRA and HSA accounts, Premium Network Tiered benefit plans and Value-based Activity and Outcomes Incentive programs.

SignatureValue

The UnitedHealthcare SignatureValue Plan is a Health Maintenance/Managed Care Organization, or HMO/MCO plan. You select a contracting/participating Primary Care Physician (PCP) from UnitedHealthcare's broad contracting/participating network. Your contracting/participating PCP helps you manage your health care, referring you to specialists and other services when you may need them. The low option HMO/MCO may provide you with a lower monthly premium but higher out-of-pocket costs through your copayment amounts. You choose a physician from a broad network of contracting/participating providers. Your contracting/participating Primary Care Physician is your main source of contact for your health care needs.

You do not have to meet an annual deductible on most plans. You pay a copayment when you visit a doctor. After your copayment, many health care expenses are 100% covered for that visit. Preventive health care, including checkups, is covered.

SignatureValue Advantage

The SignatureValue Advantage plans offer the same level of coverage as a traditional UnitedHealthcare HMO plan at a lower premium. The difference is in the network. The SignatureValue Advantage plan offers a select network of contract providers. This select medical group network has nearly 18,000 contracted physicians and specialists evaluated on many cost and quality factors, including 11 measurements, such as provider scores on preventive health screenings, childhood immunizations and member satisfaction. Members enrolled in a UnitedHealthcare SignatureValue Advantage plan select a Primary Care Physician (PCP) to manage their general health care needs and obtain a referral to a specialist.

SignatureValue Alliance HMO

UnitedHealthcare SignatureValueTM Alliance (HMO) an innovative health plan offering select physicians who collaborate on their patients' treatment plans. As a distinct high performing sub-network of the UnitedHealthcare SignatureValue full HMO network, the new Alliance plan provides access to a local network of physicians and specialists. These physicians coordinate care and work with their patients to manage their health and health care costs.

The focus of these plans is on "patient-centered care." The primary care physician coordinates the member's care with other physicians and specialists in their chosen medical group's network to ensure that the member will receive outstanding care. As with our other plans, members get the tools they need to do their own evaluations, so they can select the right physician to meet their unique needs and preferences.

Learn more about UnitedHealthcare SignatureValue Alliance.

SignatureValue Focus HMO

Introducing Focus, an HMO plan that provides the same level of coverage as our traditional HMO plan, but at a lower price. A refined local, narrower network is designed to help improve cost controls. Members must select a PCP from the Focus network who coordinates care with other physicians and specialists in the network. The plan includes preventive care checkups and wellness programs at no additional cost. Focus offers employers a number of favorable premium and benefit design options, and provides members with the health coverage they want and need at a more predictable and lower cost.