HMO
Best when cost predictability matters most. You'll have fixed copays, no deductible, and preventive care at 100% — as long as you stay in network and work through a primary care physician.
Benefits that work
as hard as you do.
CalVEBA exists to deliver accessible, high-quality benefits at the lowest possible cost for the members we serve.
Benefits
What your plan covers
We partner with leading carriers to design plans that balance access, quality, and affordability.
PPO
Best when flexibility matters most. You can see any doctor, skip the referrals, and get coverage in and out of network — but expect higher premiums and variable out-of-pocket costs.
Important contact information
To further research your benefit options, find a provider, or ask detailed questions about your benefit coverage, please contact the carrier or provider directly. Important Note: These are all the options available through CalVEBA. Your employer may not offer all the options listed.
Health Coverage (HMO & PPO)
Cigna Healthcare HMO
Health care plan offering a local network of doctors and hospitals for you to choose from.
Kaiser Permanente HMO
Predictable costs with no deductibles and integrated care with easy access to your PCP, prescriptions, and services in one place.
SIMNSA HMO
Comprehensive, cross-border health plan provides quality care with three convenient locations within walking distance of the US-Mexico border.
Surest PPO
A copay-only, digital-first plan with no deductibles or coinsurance. See prices upfront so you can choose highly rated providers that deliver better patient experiences at lower cost.
UMR PPO
Simple, personalized health plans with worldwide emergency coverage, strong prescription and preventive benefits, and the flexibility to see any doctor — plus added in-network savings.
United Healthcare (UHC) HMO
Choose from a variety of plans to find quality care when and where you need it with one of the largest networks in the U.S.
VEBA Direct HMO
VEBA Direct brings together trusted provider partners, coordinated care, and personalized support to create a more connected health care experience. VEBA Direct partners with leading provider medical groups throughout the region to deliver high-quality care.
Western Health Advantage HMO
A provider network including major hospitals and medical centers, and thousands of local, trusted doctors and specialists from leading medical groups.
Benefits Beyond Core Coverage
Carrum Health
Medical and surgical benefit offering access to top-tier doctors at world-class hospitals for non-emergency surgical procedures, covering both surgery costs and travel expenses.
Gallagher
Free, expert health-coverage guidance for employees and families — licensed nationwide, fast, and personalized — supporting you beyond your CalVEBA membership.
HealthInvest HRA
A CalVEBA-funded health reimbursement arrangement with tax-free growth and reimbursements, funds that roll over year after year, and full portability — yours to keep even if you change jobs.
Kindbody
End-to-end fertility services and more, including KindMan, KindDoula, fertility preservation, and menopause support.
Omada
A diabetes and weight-management program paired with Express Scripts (ESI) benefits, offering personalized coaching, smart monitoring tools, and specialist guidance.
Optum Emotional Wellbeing Solutions
Virtual and onsite expert consultations and support for legal, financial, and work-related issues, relationships, and more.
Optum Health
Chiropractic and acupuncture for UHC & Kaiser HMO members and dependents — unlimited visits with Optum providers, PCP-aligned copays, and X-rays included.
Teladoc
Access to more than 50,000 world-renowned doctors who can provide a second opinion on a diagnosis or help review a treatment plan.
Delta Dental HMO
Comprehensive dental care with predictable costs, no maximums, and no waiting periods.
Delta Dental PPO
Choose any dentist — save the most by choosing a dentist in the Delta Dental PPO network.
United Concordia Dental
One of the largest national networks, members have access to quality dentists near where they live, work, and go to school.
United Healthcare (UHC) Dental PPO
Offers the freedom to choose any dentist in the UHC network, with no waiting periods, no maximums, and teledentistry virtual visits for $0 out-of-pocket.
Western Dental
Dental office network providing a full range of affordable dental services for the entire family, including general dentistry, orthodontia, and oral surgery.
EyeMed
Affordable vision coverage for eye exams, eyeglasses, and contact lenses through America's largest vision network.
United Healthcare (UHC) Vision
Vision plan offering eye exams, eyewear, and discounts on lens options and laser correction, with access to a national network of ophthalmologists and optometrists in private and retail settings.
VSP Vision Care
Exclusive member savings and a network of independently certified eye doctors, making it easy to choose the optometrist or ophthalmologist right for you.
EnGuide Pharmacy
The Express Scripts program now features EnGuide Pharmacy, a new home delivery pharmacy focused on only dispensing GLP-1 drugs. This new pharmacy is staffed by clinicians with specialized knowledge in GLP-1 drugs.
EnReachRx
Offered through Express Scripts, this high-touch patient solution facilitated through retail pharmacies ensures reliable access to GLP-1 medications while providing clinical support, dose optimization, and side effect management.
Express Scripts
This pharmacy benefits manager helps improve prescription care and manage health care costs for GLP-1 Diabetes & weight management medications.
160,000+
30+ Years
80+
Benefits
Benefits that go further
We partner with employers to provide affordable, high-quality benefits and added programs designed to support members across every stage of life.
Prevention
Routine & preventive care
Taking action early helps protect your long‑term health. Every CalVEBA plan covers your annual exams, vaccines, and screenings at 100%. No cost, no excuses.
Learn more
Mental health & stress
Confidential mental health support is available to CalVEBA members, including therapy, counseling, and group programs. No extra cost or waiting for a referral.
Learn more
Healthy aging & menopause support
Resources and programs designed to support healthy aging, including menopause care and other life transitions, with expanded services through partners like Kindbody.
Learn moreEverything available to you
*Some benefits may be dependent on plan selection.
Medical plans
Dental
Vision
Mental health
Fertility
Prescriptions
HRA savings
Chiropractic
Wellness coaching
Teladoc Medical Experts
Surgery access
Supplemental
Benefits beyond your core coverage.
As a CalVEBA member your core coverage includes integrated offerings, providing meaningful support for your health, every step of the way.
CalVEBA Benefits
Additional benefits available to all CalVEBA members that help achieve health goals.
Explore benefits
"Whether I need acupuncture, or I'm in desperate need of therapy because of a loss in the family, or I want to make sure I have a doctor who understands my body, I've always had access to that with [Cal]VEBA."
Kristen LoPrell
CalVEBA member since 2011
Accessible health care starts here
Our team is ready to answer your questions and discuss your needs.
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Get care now
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Have questions?
Find answers to common questions about your coverage, care, and more.
VEBA Direct
Explore helpful insights on standard queries about the VEBA Direct plan.