Claremont Welcomes Elisha Youngman

We are excited to welcome Elisha Youngman to our Service Team as our newest Broker Service Representative. With a background in medical office administration, Elisha managed patient appointments and insurance verifications before advancing to the billing department of an infertility clinic, where she gained in-depth expertise in insurance processes. Now transitioning into employee benefits, Elisha is eager to expand her knowledge of the market, our carrier partnerships, and strategies to support brokers in growing their business.

Outside of work, she enjoys strength training, cooking, caring for plants, and spending time with friends. Learn more.

Exclusive Tax Credit For Small Businesses

With tax deadlines approaching, eligible small businesses can qualify for federal tax credits of up to 50% on health insurance premiums—available only through Covered California for Small Business (CCSB).

Who Qualifies?
To be eligible, businesses must:

• Have less than 25 full-time equivalent employees (excluding owners and immediate family).
• Pay employees an average annual wage under $65,000 per year (adjusted for inflation).
• Contribute at least 50% of employee health insurance premiums.

How It Works
The tax credit is calculated on a sliding scale—smaller businesses with lower average wages qualify for higher credits. Employers can apply the credit directly to their Federal Tax Return. Learn more.

Help your groups take advantage of the exclusive tax credit and contact us today for a Covered California for Small Business quote.

2025 Broker Rewards Program

Earn additional compensation for selling and retaining eligible groups of 2-99 lives by enrolling in Delta Dental’s Small Business Broker Rewards Program. You must register for this program first to qualify for the rewards, so visit ddsbrewards.com today to get started. Here's how it works:

Retention Bonus
Retain at least 85% of your book of business through 2025 (compared to last year’s 92%) and meet a new sales reward level. If you do both, you’ll earn a bonus for each. If you’re new to Delta Dental, your new sales alone will qualify. Delta Dental has cut the premium thresholds. The lowest threshold is now $50,000, down from $150,000.

• New Sales Bonus Tier 1:
  • 0.5% bonus - retain 85%-89.9% of your existing business.
  • 1% bonus - retain 90%-94.9% of your existing business.
  • 1.5% bonus - retain 95%+ of your existing business.
• New Sales Bonus Tier 2:
  • 1% bonus - retain 85%-89.9% of your existing business.
  • 1.5% bonus - retain 90%-94.9% of your existing business.
  • 2% bonus - retain 95%+ of your existing business.
• New Sales Bonus Tier 3:
  • 1.5% bonus - retain 85%-89.9% of your existing business.
  • 2% bonus - retain 90%-94.9% of your existing business.
  • 3% bonus - retain 95%+ of your existing business.

New Sales Bonus
Once you’ve met your retention goal, there are 3 levels of sales rewards. New sales bonuses are based on the number of new groups or total new premium received for effective dates in 2025. As you sell more and retain your existing business with Delta Dental, your rewards grow. And this program is in addition to your existing standard small business commission.

• Tier 1: 3% bonus - 5-14 new groups or $50,000-$149,999 new premium.
• Tier 2: 4% bonus - 15-29 new groups or $150,000-$299,999 new premium.
• Tier 3: 5% bonus - 30+ new groups or $300,000+ new premium.

Download the flyer for details. Sign up today for Delta’s Broker Rewards Program to start earning.

Life Plan Guides and Dental Cost Estimator

Choosing the right benefits is key to financial security. Humana offers life and disability coverage to protect employees and their families, plus tools like the Dental Cost Estimator to help plan for expenses.

Humana Life Plan Guides
Quickly identify the advantages of Humana’s life and disability coverage with these 3 plan guides:

• Basic Term Life – Covers essential expenses like medical bills, funeral costs, daily living needs, and childcare or education expenses.
• Voluntary Term Life – Employees can increase or add coverage during the initial open enrollment and at renewal each year thereafter, up to $25,000 per year, subject to the plan maximum.
• AD&D – Provides financial support for employees and spouses in cases of accidental death or life-altering injuries.

Dental Cost Estimator
Humana members can estimate dental costs using the Dental Cost Estimator, accessible through the Resources section of the Plan Benefits page in MyHumana. By entering their ZIP code and a procedure keyword, code, or category, they can view a cost range to plan for expenses.

Learn more and contact us today for a Humana quote.

Wishing Beverly Daniel-Patton a Very Happy Retirement

After nearly 6-1/2 years of dedicated service as a Broker Service Representative, Beverly Daniel-Patton is retiring. She has been a valued member of our team, making a positive impact on colleagues, broker customers, and business partners alike. Her contributions will be greatly missed. Please join us in wishing Beverly all the best as she begins her next chapter!

Please email your congratulations and best wishes to Beverly at beverly@claremontcompanies.com.

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Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

As always, we'll keep you informed about healthcare issues and news affecting you and your clients. Our knowledgeable team is here to help you succeed.

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