Beam Two-Year Rate Guarantee

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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.

For assistance, please contact our Quotes team at quotes@claremontcompanies.com or 800.696.4543.

Mar 7, 2022, 2 Minute Read

To give your clients stability, Beam has announced a two-year rate guarantee and rate cap promotion for small and large groups. It applies to all new dental and vision quotes received on or before May 31, 2022.

Small Group Two-Year Rate Guarantee

Includes a 3% rate cap in year 3 for 10-99 eligible employee groups. (Most increases fall in the 4.9% to 6.0% range.)

Download the flyer to learn more.

Large Group Two-Year Rate Guarantee

Includes a 7% rate cap in year 3 for 100-499 eligible employee groups.

Download the flyer to learn more.

Reminders

Beam dental and vision plans are available for 2+ enrolled employees.

Beam’s Standard Provisions

Annual open enrollment on all plans.
No waiting periods unless requested.
No missing tooth clause.
Implants are covered on all dental plans.
Posterior composites and porcelain crowns are covered with no downgrades.
Occlusal (night) guards are covered.
Rollover feature offered to match or add as new.
Beam Perks for every member that enrolls with an email address.

Dental Provider Networks

Beam has over 400,000 dental access points nationwide.
Access points are comprised of these dental networks: Dental Benefit Providers (DBP owned by UHC), Careington, DenteMax Plus, Connection Dental, and First Dental Health.
Find an in-network dentist.

Vision: VSP® Vision Care Plans & VSP® Choice Network

Frame allowances – $150, $175, $200.
Frequency limits – 12/12/12 and 12/12/24.
Available for 2+ enrolled employees.
Nationwide provider network and retail locations with over 57,000 vision access points and more than 31,000 providers.
Find a VSP Network eye doctor.

Start quoting Beam today and help your groups take advantage of the promotion!

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

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Cigna + Oscar Withdraws from The Small Group Market

Beam Two-Year Rate Guarantee