CHAMBER OF COMMERCE EMPLOYEE HEALTH BENEFIT PLAN

The Winters Chamber of Commerce is proud to offer chamber members and their employees a Healthcare Benefit plan with Western Health Advantage, a local nonprofit company that keeps costs low without sacrificing service so Chamber members can offer quality healthcare to their employees without breaking their budget.

Benefits to Employers

• Comprehensive employee benefits at a lower cost;
• Predictability in health care expenses due to WHA's not-for-profit status;
• Streamlined administration to enhance employer cost savings;
• Stability and support of our highly regarded health care systems, including:
• UC Davis Health System
• Woodland HealthCare
• NorthBay HealthCare
• Mercy HealthCare Sacramento / MedClinic Medical Group
• Golden State Physicians Medical Group.
• Sutter Regional Medical Foundation (Solano County)

Member Benefits

• Comprehensive high quality coverage, including a full range of preventive care services.
• Freedom to see specialists in the whole network, not just those affiliated with your primary care physician's medical group.
• Guaranteed access to primary care.

Three Healthcare Plans for Chamber Members and their Employees
Each plan is tailored to small businesses and each offers a wide range of benefit options.

• Premier 20E
  $20 office visit / 100% hospitalization / $10/20/30 prescriptions
  
• Advantage 420E
  $20 office visit / $500 per day hospitalization (days 1-5) / $10/20/30 prescriptions
• Western 4010
  $40 office visit / $500 per day hospitalization after $1,000 deductible.
  / $10/30/50 prescriptions with $150 brand name drug deductible
• more option details

Save 5% or 10% on standard rates.

• Employers with two to five participating employees
  Receive a .95 risk adjustment factor (RAF) - a savings of 5% below WHA’s standard rates.
  
• Employers with six or more participating employees will receive a .90 RAF - a savings of 10% below WHA’s standard rates.

The WHA rates offered through the Winters Chamber are re-evaluated every August 1st. Therefore, any group that enrolls mid-term will have a short plan until the Chamber’s next 8/1 renewal date. 

Employer groups must be in good standing with the Chamber. Employers are required to complete a WHA Employer Group Application, provide a DE6, and contribute a minimum of 50% of the employee-only premium.   Employer groups must be located within WHA’s licensed service area.
Employers who currently have an agreement with WHA are not eligible for the Winters Chamber of Commerce program.

*Benefits listed are a brief summary only. Please review the Copayment Summary and/or consult the Evidence of Coverage booklet for further plan details.