Q1-2025 Top 20 Lowest Cost Medical Plans Report

Help employers control rising health plan costs and offer high-quality coverage options. Get the Q1-2025 Top 20 Lowest Cost Medical Plans Reports.

The Top 20 Reports Will Help You:

• Quickly and easily identify the lowest cost medical plans, in both broad and narrow network options.
• Efficiently compare plans by cost, metal tier, and rating region, statewide.
• Get current on the market without exhaustive quote processes.

Identify savings for clients and increase sales with the Q1-2025 Top 20 Lowest Cost Medical Plans Reports.

New California State Law Impacts 2025 Dental Plans

AB 1048 – a recently passed California state law – impacts dental insurance plans in 2025. AB 1048 prohibits fully insured large group dental plans from imposing a dental waiting period or preexisting condition provision for any plan year beginning on or after January 1, 2025.

Humana

Humana is updating their fully insured Group Benefits dental plans in California to meet new state regulations effective January 1, 2025.

Removed from Humana Group Benefits dental plans:

• Waiting periods for groups with 51+ enrolled employees.
• Missing tooth exclusion.

Details important to you and your clients:

• Changes apply to all fully insured Humana Dental groups, new and existing, starting January 1, 2025.
• New dental plan groups with effective dates starting January 1, 2025, will include these updates.
• The changes will automatically take effect on existing groups' dental plans on January 1, 2025, regardless of renewal dates.
• The updates will not apply to benefits before January 1, 2025; no retroactive changes.
• No action is required from you or your clients.

Claremont will share updates as other carriers respond to the law. For questions, you can reach us at 800.696.4543 or info@claremontcompanies.com.

New Premium Mental Health Benefits Through Headspace Care Partnership

Offer your clients premium mental health benefits with Beam’s new partnership with Headspace.

Combining therapy, psychiatry, coaching, and guided meditations, Headspace Care offers an affordable, accessible system tailored to employees and their families.

Features Include:

• 6 virtual therapy sessions (no in-person sessions).
• Unlimited access to mental health coaching and the content library.
• $8.50 per employee per month, fully employer-paid, with 100% employee participation required.
• Available as a standalone offering.
• 10% broker commission.

Learn more about the new premium mental health benefits, including the key differences compared to the Headspace benefits bundled with some California medical health plans.

Contact us today for Beam Benefits quote. 

Dental Network Expansion, Q4 Broker Support

Humana continues to expand its dental network to offer greater access and value. Brokers can rely on comprehensive tools and expert support to meet their needs and enhance member satisfaction during Q4 and beyond.

Dental Network Expansion

• 18,000+ net-new dentists added in 2024. Over 135,000 nationwide.
• Since 2016 the Humana dental network increased by 86%, far outpacing the competition.
• Over 72% of claims processed in network at an average discount of 40%.

Q4 Broker Support

• For efficient quoting of dental, vision, life, and disability plans, refer to the Group Benefits Quoting Requirements Guide.
• Save time by installing Launch My Group. For an overview and step-by-step instructions, refer to the LMG Member Enrollment Reference Guide.

As always, contact Claremont for details at 800.696.4543.

Reminder, Take Advantage of Humana Broker Bonus Programs

• Disability Plans Bonus – effective dates October 1, 2024 through January 1, 2025.
• 2024 Group Benefits Growth Bonus – through January 31, 2025.
• Dental Bundling Bonus – extended through January 2025

Access the resources and contact us today for a Humana quote.

Claremont's Holiday Office Schedule

Thanksgiving

• Closed on Thursday, November 28, 2024
• Closed on Friday, November 29, 2024

Christmas

• Closed at 3:30 pm on Thursday, December 12, 2024
• Closed at noon on Tuesday, December 24, 2024
• Closed on Wednesday, December 25, 2024
• Open on Thursday, December 26, 2024

New Year's

• Closed at noon on Tuesday, December 31, 2024
• Closed on Wednesday, January 1, 2025
• Open on Thursday, January 2, 2025

We wish you a joyous and festive holiday season with your family and friends!

Get The Latest News with Text Messaging!

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.