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Cigna + Oscar Withdraws from
The Small Group Market
New Cigna + Oscar (C+O) small group sales and renewals will not be offered in 2025. At C+O’s request, all plans and rates have been removed from the quote engine. However, you can still quote or renew your C+O groups through December 15, 2024 by contacting us at quotes@claremontcompanies.com or 800.696.4543. Please note: the last day of coverage will be December 14, 2025.
Below are the Cigna + Oscar (C+O) Q1-2023 plan and rate changes. To learn more about the first quarter updates, join the C+O October 20th webinar.
C+O 2022 California Top Rating Regions
Northern CA
San Francisco
Santa Clara
Alameda
Southern CA
Los Angeles (largest membership in CA)
San Diego (second largest membership in CA)
Santa Barbara
Orange County
C+O 2022 California Top Selling Plans
Bronze $6,000
Gold $0
Platinum $0/$10
Gold $250
Bronze $5,750 HSA
Approximately two-thirds of the membership are enrolled on an Open Access Plus Network offering.
Network Updates
LocalPlus® Updates
National Network Enhancements
Effective July 1, 2022 for new and existing business (effective April 1, 2022 with CaliforniaChoice).
LocalPlus can now be offered to out of area members as long as they reside in a LocalPlus service area.
Provides lower cost options for out-of-state members.
Provides more competitive option for renewals.
Expanding PPO Products with LocalPlus – Effective January 1, 2023
LocalPlus and Open Access Plus networks will be available as a PPO product within Cigna + Oscar direct.
CaliforniaChoice offers LocalPlus and Open Access Plus networks as an EPO product only.
Underwriting
51% eligible in California.
– One enrolling employee living in California service area.
No DE9C down to 3 enrolled.
4 plans allowed.
– Any 4 plans, any tier, and any network combination.
Most flexible for startups/virgin groups.
– If 3+ enrolled, no tax documents needed.
– <3 employees, 2 weeks of payroll.
Slicing Requirements
C+O can be paired alongside any other carrier and any other plan type.
60% overall participation, but only 3+ needed to enroll with C+O.
Rates
3.6% average increase from Q4 to Q1.
The premium difference when offering LocalPlus vs Open Access Plus networks averages approximately 10-12% savings (depending on the plan and region). Employer groups can offer both networks to employees.
Double-Digit Savings Across The State
2023 California Small Group Plans
2023 Product Portfolio Enhancements
Two new Bronze plans added: Bronze $3,000 and Bronze $7,250.
Flexible Plans That Fit Everyone’s Needs
All plans offer employees the freedom to choose between the LocalPlus and Open Access Plus networks.
Groups can offer up to four plans with no restrictions.
20 plans across all metal tiers, including 2 HSA plans.
Member satisfaction is twice the industry average.
C+O members are supported by a Care Team of Care Guides and nurses who can help answer questions and save members money by finding the most affordable, highest quality care in their area.
2023 Bonus Program
This Q4, earn a bonus for writing multiple groups with December 1, 2022, December 15, 2022, and January 1, 2023 effective dates.
Tier 1: Earn $250 when you sell 1 group with 4 or more enrolled employees.
Tier 2: Earn $500 when you sell 3 groups with 4 or more enrolled employees.
Tier 3: Earn $1,000 when you sell 5 groups with 4 or more enrolled employees.
Maximum payout: $1,750 for hitting all three tiers.
With rates comparable to Kaiser, and networks that include Dignity Health, UCSF, Stanford, and Sutter, Cigna + Oscar brings together the power of Cigna’s nationwide and local provider networks, and Oscar’s member-focused tech-driven experience, to deliver small group health insurance that meets the unique needs of California small businesses and their employees. To learn more about Cigna + Oscar, view our web page.
Note: Only licensed and appointed agents who are contracted with Cigna + Oscar are eligible for the bonus. Check out the Cigna + Oscar Appointments Guide for full instructions.
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