Did you know there are over three million construction businesses in the U.S., according to IBISWorld? That’s a 2.2% jump in just one year. California leads the way with more than 80,650 construction firms — making it a primary employment driver in the Golden State.

If you’re a construction business owner or manager in California, offering health insurance to your team doesn’t have to be complicated. Whether you have 2, 10, 50, or even 100 full-time employees, CaliforniaChoice has you covered.

With 100+ plan options, CaliforniaChoice gives your employees the flexibility they want while helping you keep costs under control. It’s the only program in the state offering this level of choice. If you’re ready to build a better future for your business and your team, read on for more details about CaliforniaChoice.

Health Insurance for Construction Businesses

1: More Choices, Better Coverage

At CaliforniaChoice, we know your team is made up of individuals — each with unique needs and preferences. That’s why we offer a “California Different” approach to employee benefits, giving everyone the freedom to choose what works best for them.

With CaliforniaChoice, your employees get access to a wide range of health plans, including HMO and PPO options, plus High Deductible Health Plans (HDHPs) that are compatible with Health Savings Accounts.

One employee might go with a PPO from Anthem Blue Cross to stick with a preferred doctor or hospital. Another might pick an HMO for its simplicity and lower cost. We’ve got options from top providers like Kaiser Permanente, Health Net, UnitedHealthcare, and regional favorites like Sharp Health Plan in San Diego or Sutter Health Plus and Western Health Advantage in Northern and Central California.

No matter your employees’ health care needs, they have the power to choose their perfect plan with CaliforniaChoice.

2: Take Control of Your Business Costs

Managing employee benefits doesn’t have to be complicated — or expensive. With CaliforniaChoice, you get the flexibility to control your costs while still offering great health benefits. Thanks to Defined Contribution, you decide how much to contribute to your employees’ premiums. Choose a Fixed Percentage (50% to 100%) of a specific plan or benefit, or set a Fixed Dollar Amount for each employee. Your team can then use your contribution toward the health plan of their choice. If they pick a plan that costs more, they simply cover the difference.

Renewing is just as easy. When it’s time to renew your plan with CaliforniaChoice, you can adjust your contribution to fit your budget — up or down. Plus, employees can switch their coverage while staying in the program, giving everyone the flexibility they need.

3: Options for Dental, Vision, and Chiropractic

CaliforniaChoice goes beyond health coverage, offering a variety of additional benefits to suit your team’s needs. Choose from employer-sponsored options or voluntary plans that employees can easily pay themselves:

• Dental: Keep smiles healthy with multiple options, including two MetLife DHMO plans, two SmileSaver DHMO plans, and a Dental PPO from Ameritas.
• Vision: Enjoy clear benefits with two voluntary plans, plus access to the Vision One Eyecare Discount Program.
• Chiropractic & Acupuncture: Stay aligned and stress-free with Landmark Healthplan’s Chiro-only plan or a combined Chiropractic and Acupuncture plan.
• Life and AD&D: Plan for the unexpected with Assurity Life, offering coverage from $10,000 to $100,000, complete with AD&D and a living benefit provision.

With CaliforniaChoice, you can customize a benefits package that truly supports your employees’ well-being.

4: Extra Perks, Too

With the CaliforniaChoice Business Solutions Suite and Member Value Suite, you and your employees gain access to a variety of no-cost perks and benefits designed to make life easier and more affordable.

• Save on taxes with a Premium Only Plan (POP): Employees can pay insurance premiums pre-tax, and you’ll reduce your tax liability as an employer.
• Simplify COBRA administration: We handle state or federal COBRA invoicing, premium collection, and remittance for you. (Cal-COBRA or COBRA services depend on your group size.)
• Flexible Spending Account (FSA): Employees can save money by setting aside pre-tax funds to cover eligible medical expenses like copays and prescriptions. (Available for groups with 15+ employees.)
• Affordable Dental care: Enjoy reduced fees for services through Dentegra® Smile Club providers.
• Hearing care savings: Access discounts on hearing tests, hearing aids, batteries, ear protection, swim-plugs, and more.
• Prescription drug discounts: Save up to 80% on prescriptions with the California Rx Card — which could bring costs below your health plan copay.
• Exclusive Cal Perks membership: Unlock discounts on theme parks, sporting events, museums, movies, travel, and more. (Explore Cal Perks here)
• Wellness and fitness discounts: Score savings on gym memberships, wellness programs, and more to help you and your employees stay healthy and energized.

Let a Broker Help You

CaliforniaChoice is the perfect benefits solution for construction firms — and businesses of industries. It gives employees more options while helping you keep costs in check. With streamlined administration, you get one simple bill and one easy-to-use website to manage all employee coverage. More choice, less hassle. What’s not to love?

Ask your broker for a CaliforniaChoice quote. If you don’t have a broker, you can connect with one MyCalChoice.com.