Now Available Through Claremont

Claremont Insurance is excited to welcome Health Net of California to our portfolio of carrier partners. With over 3 million members across California and more than 45 years of experience, Health Net offers comprehensive affordable medical, dental, vision, and life coverage for small businesses.

Advantages

• Lowest rates in the market – Affordable plans without sacrificing quality.
• Robust PPO network – Competes directly with major carriers like Anthem and Blue Shield.
• Flexible HMO options – Broad statewide access tailored to fit any group or budget.
• Simplified underwriting – Works alongside other carriers, with only 25% participation required for groups with 5+ enrolling. No DE9C or prior carrier bill needed.
• Easy-to-sell benefits – $0 deductible HMO plans and 4 years of rate stability.
• Nationwide coverage – Cigna network access for out-of-state employees and state plurality rules for group qualification.

Learn more about Health Net's versatile health plans, ancillary coverage, wellness programs, and value-added services.

Contact us today for a Health Net quote and learn how this new partnership will benefit your clients.

2025 Producer Partnership Plan

The Humana 2025 Producer Partnership Plan offers significant earning potential through the Group Benefits Growth Bonus. This comprehensive bonus program rewards you with enhanced earnings for both acquiring new business and maintaining existing clients.

Key Features

• Tiered structure lets you earn more as you advance through qualification levels.
• Rewards both new sales and retention of existing business across all case sizes.
• Year-over-year rewards for multi-line sales, no annual reset.
• Earn up to 7% on your book of business revenue.

How It Works
Intended for all case sizes, the Group Benefits Growth Bonus is calculated based on three primary components:

• Points are earned from new and in-force business.
• Premium persistency (with higher rates earning greater rewards).
• Line of coverage case size and premium levels.

Eligible Products
Life, supplemental life (including AD&D), vision, dental, long-term disability, and short-term disability (including voluntary options).

Get the details and contact us today for a Humana quote to take advantage of the Group Benefit Growth Bonus.

SmartChoice® Small Group Insurance Products

Specifically designed for groups with 2-19 employees, Reliance Matrix's SmartChoice program offers comprehensive coverage that combines flexibility, simplicity, and affordability.

Coverage Options

• STD: Weekly maximum benefits up to $1,500, multiple benefit percentage options, and pre-existing condition benefit.
• LTD: Monthly maximum benefits up to $10,000 for select industries. 60% benefit percentage, 60, 90, and 180-day elimination periods, pre-existing condition benefit, and more.
• Life/AD&D: Guaranteed issue from $50,000-$100,000 and maximum benefits of $200,000.
• Dental/Eye Care: 3 dental plans with PPO options, adult/child orthodontia coverage, and eye care option.
• Critical Illness & Accident: 3 coverage levels each.

Key Features

• No employee age restrictions or minimum premiums.
• Husband/wife and 100% family groups are eligible.
• 100% employer or employee paid at same rates.
• Class carve-outs on all products.
• All products guaranteed issue with no applications.
• Products sold on a standalone basis.

Exceptional Dental Network
The Ameritas Classic PPO network features 134,000+ providers, freedom to visit any dentist, 25-50% discounts, paperless claims processing for in-network visits, and coverage that extends to dental providers in Mexico.

Broker Bonus Program
Boost earnings with the 2025 SmartChoice Premier Producer Program tiered bonuses:

• New Business: Earn 2.5% to 4.0% of new earned premium based on coverage volume.
• Renewals: Earn 1.5% to 3.0% of earned premium based on case persistency.

Bonuses are in addition to standard commissions of 10-15% first-year and 10% renewal commissions across all product lines, creating significant earning potential for brokers who grow and maintain their SmartChoice book of business. 

Get the details and contact us today for a Reliance Matrix quote.

CAHIP-Golden Gate: 2025 CE Symposium

Join CAHIP-GG for an insightful exploration of how technology is transforming healthcare and extending human longevity at the Annual CE Symposium. Connect with industry professionals while earning valuable continuing education credits.

Details

• Date: April 24, 2025
• Time: 10:00 am to 4:00 pm
• Place: RCU Napa Community Room, 480 Devlin Rd., Napa 94558
• Price: $59 Members ($49 Before April 2), $89 Non-Members ($75 Before April 2)

Don't miss this opportunity to stay ahead of industry trends and enhance your professional knowledge. Register today to secure your spot!

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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.