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About PacifiCare Health Insurance
Many employers look to PacifiCare California health insurance as being the best choice to provide medical coverage to their employees and with good reason. There are many benefits from contracting with this well-known company and your workers will rest assured that they are receiving premium coverage from a trusted source.
Contact us to learn about our PacifiCare California Health Insurance
About the Company
PacifiCare Health Systems is over 25 years established, marking an important milestone in one of the country’s largest consumer health organizations. The company is headquartered right here in California but provides a nationwide network of providers. Currently, PacifiCare claims over four million members in their health plans and nearly ten million members enrolled in specialty plans.
PacifiCare’s specialty plans include dental and vision coverage, life insurance, prescription drug and behavioral health plans, in addition to medical coverage. Prescription Solutions is the company’s wholly-owned subsidiary. In 2004, PacifiCare added the American Medical Security Group to its portfolio.
The mission statement of PacifiCare is clear: “to create long-term shareholder value as a leading consumer health organization committed to making people's lives healthier and more secure”. Their motto is “We are a health and consumer services company making people's lives better.”
PacifiCare Products
PacifiCare California health insurance products include their SignatureValue HMO, Signature Point of Service, SignatureOptions, Signature Independence Indemnity, and SignatureFreedom Self-Directed Health Plans. All plans utilize a network of primary care physicians and this aspect is flexible through the HMO plan.
For employers with a strict budget, the HMO-based Signature Value Plan is a good option. Members of this plan choose a primary care physician to manage their health and make referrals if necessary.
A step up from this plan is the PacifiCare SignatureOptions PPO plan. With this option there are no restrictions on choice of doctor or specialist, giving employees greater leeway in their selection. Group members can also see out-of-network doctors for an additional cost.
At the top of the PacifiCare California health insurance plans for freedom of choice is the SignatureFreedom plan. This self-directed account allows members to contribute specific sums to a fund for medical expenses. Unused funds roll over quarterly. There are several different plan levels to choose from with varying price points.
Prescription drug plans through PacifiCare’s Prescription Solutions also offer several options: Saver, Select, and Comprehensive. The one you choose will be based on what needs are best for you and your employees. A great feature of all the plans, however, is that there is no annual deductible imposed.
Another unique offering for groups from PacifiCare is Health Credits, a credit-based incentive program to get, and stay, healthy. Group members can sign up for customized fitness programs and meal plans with credits awarded for completion of specific goals. Credits can be redeemed for a variety of goods and services. What a great way to incentivize your employees to stay healthy!
For companies either large or small, PacifiCare California health insurance group plans are a fine choice. Offering a group health insurance plan to your workers is the best way to attract, and retain, the best talent in your industry. Your California insurance agent can make recommendations for the best plans to suit your needs and number of employees.
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