COVID-19 – How CalCPA Health is helping firms and members, click here to learn more.
Plan Offerings
CalCPA Health is excited to launch new Alternative Health Plans (AHP) in 2026. These plans use the full Anthem PPO network and feature a simple tiered copay structure, so members know their costs upfront. No referrals, no gatekeepers—and they come at a lower cost than our traditional plans, with easy access to quality care nationwide. Learn more about our new plans and search for in-network healthcare providers.
Preferred Provider Organization (PPO) plans allow you to see any physician or eligible provider without a referral. The Standard Prudent Buyer Network is Anthem's largest network, featuring over 100,000 participating physicians and almost 400 hospitals in California. Using medical providers in the PPO network reduces deductibles, coinsurance, and total out-of-pocket costs compared to providers outside the PPO network. Learn more about our medical plan offerings.
Preferred Provider Organization (PPO) plans allow you to see any physician or eligible provider without a referral. The Select Network is smaller and offers premium savings with a typical range of 2% to 12% depending on the selected rating region and or/plan.
Exclusive Provider Organization (EPO) plans offer overall savings on premiums and provide the same benefits as PPO plans, with one key difference: you must stay within the network, as out-of-network visits are not covered (except in an emergency). CalCPA Health does not use a gatekeeper/primary care physician (PCP), which some EPO plans in the market require.
Health Savings Account (HSA) plans offer tax advantages and can be paired with high-deductible health plans to provide a cost-effective way to manage healthcare expenses - both now and for the future.
Health Maintenance Organization (HMO) plans are available to firms with two or more plan participants. The HMO plans are offered in both the standard and select networks. The HMO network includes over 60,000 physicians and almost 400 hospitals in California. In an HMO, the member selects a doctor from the Anthem HMO network to serve as their Primary Care Physician (PCP), and this physician is responsible for managing your medical needs, including referrals to other doctors and specialty care. There are no claim forms to fill out when you use an in-network provider.
Solo practitioners (no W-2 employees) have access to CalCPA Health's PPO, EPO, and HSA plans. Solos are not eligible for HMO plans.
All medical plans provide the following:
- Access to quality healthcare through the Anthem Blue Cross network of healthcare providers
- Coverage for mental health and substance abuse services
- Comprehensive coverage for a wide range of healthcare services
- Emergency care coverage worldwide, 24 hours a day
- LiveHealth Online: Medical, Allergy, Dermatology, Therapy, Psychology, and Psychiatry visits online 24/7
Delta Dental PPO Plan options provide members access to the nation's largest dental PPO network. Enjoy discounts when visiting a Delta Dental PPO dentist. When visiting a participating provider, all claims processing is handled by the provider on behalf of the member. Learn More.
Vision Service Plan (VSP) - the largest vision provider in the nation - offers members access to quality eye care, eyewear, and low out-of-pocket costs. CalCPA Health offers a special discount program, VSP Vision Savings Pass, which offers savings on eye care and eyewear. Learn more.
CalCPA Health offers a Group Life Policy through Lincoln Financial Group for groups of two or more employees. Group Long-Term Disability (LTD) is also provided through Lincoln Financial Group and is available to groups of two or more employees. LTD plans are offered at discounted rates for CalCPA members. Learn about our Life Plans and our LTD Plans.
News and Information
CalCPA Health + GoodRx: Helping Lower Your Pharmacy Costs Automatically
CalCPA Health PPO and HSA medical plan enrollees now benefit from built-in GoodRx prescription pricing (when available) as part of their pharmacy coverage through Express Scripts Rx.
You Can‘t Use What You Don’t Understand: Get to Know Your Health Plan
What is the name of your health plan? Who’s your insurance carrier? If you had to look it up right now to check, you’re not alone; many people are not sure. If you don’t know the basics, you won’t be able to take full advantage of your benefits.
CalCPA Health Announces New Plan Offerings for 2026: Alternative Health Plans
To help employers manage rising costs and expand plan options, CalCPA Health is introducing a suite of Alternative Health Plans (AHPs) through Anthem Blue Cross, powered by Coupe Health™. These tiered, copay-only PPO designs emphasize clarity, quality, and cost control, with no gatekeeper required. Members can view provider tiers and their out-of-pocket costs before scheduling care, which enables smarter, value-driven decisions that can lead to savings for both employers and employees.
Experience health coverage that is simple and predictable.
Mental Health Podcast Series
The topic of mental health is in the headlines just about every day. The amount of stress, anxiety, depression, loneliness, and overall sadness people are dealing with seems to be more prevalent than ever. Having some podcasts on the conversation around mental health could benefit those visiting our site. This second podcast, “Living in Uncertain Times,” helps us adapt to uncertainty and teaches us some tools to switch our thought processes to positive channels.
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Pay Online now with CalCPA Health online billing. Grab your last paper bill and follow our easy instructions.