Choice insurance, currently offered to employer groups of 50 or more, is unlike traditional PPOs. It utilizes a "first dollar benefit" in which 100% of each member's yearly eligible medical expenses, up to a predetermined ceiling, are paid before the member becomes responsible for paying their yearly deductible. With traditional PPOs, members pay their deductibles before plan coverage begins, not after.
For example, with the choice insurance standard plan members' first $500 of medical costs are fully covered. 

Then, after satisfying a $1,000 deductible, members pay 20% for medical care that is obtained from within its vast network of contracted physicians. In addition, the premium is usually very affordable. Some who have signed up for the choice insurance plan have reported that their savings in monthly premiums have dropped by nearly 80%. For most, the money saved in monthly premiums more than covers the $1,000 deductible.

California Choice Insurance members have two options when choosing their doctors. Members can pay a discounted rate for their care by using any of choice insurance 's 49,000 contracted health care providers, or they may pay regular rates by visiting physicians outside the network. One of the challenges that employees face when considers whether to sign up for the choice insurance plan is estimating potential medical expenses. 

In California, the average doctor's office visit costs $60, lab fees average approximately $30, an X-ray in a doctor's office is approximately $135, and an emergency room visit is approximately $475. When utilizing the "first dollar benefit" of $500, it is possible that choice insurance members may have a wide range of services covered at no out-of-pocket cost. And, because members pay the choice insurance contracted rate, their health care dollar goes even further!

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