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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.

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Cypress Dental

For over 50 years, Cypress Dental has been providing exceptional dental, vision, and life insurance products to thousands of individuals and their families. Veteran-owned and located in California’s Central Valley, Cypress Dental prioritizes ensuring clients receive the best care and service possible.

Prepare your small group renewals with our helpful resources. And check out the broker bonuses and commissions.

New Business Submission Deadlines
Effective DatesDeadlines

New Group Submission Instructions

New Group Submissions

Claremont Insurance is here to assist you by providing carrier and product information, plan quotes and comparisons, employer presentations, open enrollment assistance and more for a variety of products offered by California’s premier insurance carriers.

Plan summaries, enrollment and change forms, and information about Cypress Dental and our other carriers are always available through Claremont. You can request materials online at materials@claremontcompanies.com or call our broker service representatives Monday through Friday 8:00 am to 5:00 pm at 800.696.4543.

If you are ready to enroll your group in a Cypress Dental plan, please visit the Forms and Documents page for the required paperwork.

Please note that the submission of all required paperwork, each filled out completely, aids in expediting the underwriting process. We look forward to receiving your enrollment forms and working with you to see your small group business placed.

Thank you for choosing Claremont Insurance Services.

Please submit your new group enrollment information to Claremont:

  • Electronically with our secure online service OR
  • By mail: 1000 Burnett Avenue, Suite 330, Concord, CA 94520.

Business Hours: 8:00 am to 5:00 pm, Monday – Friday

Need more information or assistance?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

 

Overview

For over 50 years, Cypress Dental has been providing exceptional dental, vision, and life insurance products. Their driving focus is to be flexible and responsive to brokers and your clients. From tailored plans to meet any budget to a robust nationwide dental network and rapid claims payments to dentists, Cypress Dental strives to make it easy for employers to provide excellent benefits to their employees. Cypress Dental is proud to be veteran-owned and based in the Central Valley of Northern California.

Cypress Dental Plans Feature:

  • Competitive rates and customizable plans.
  • Flexible underwriting and application requirements.
  • Excellent new group and startup coverage with no waiting periods!
  • Rapid claims response times. Providers are paid on average within 3.5 business days.
  • Robust national dental network. Groups must be based on California, but employees can reside in any state.
  • Cypress Dental Hybrid plan allows PPO/DHMO switching at the member level.
  • Up to $3,000 calendar year maximum.
  • Unlimited plans and ASO options available.
  • Bundle dental with VSP vision to access the vision and dental benefits through the same online portal and get one monthly bill.

To learn more, download the flyer.

Cypress Dental Hybrid Plan

The exclusive Cypress Hybrid plan offers members the advantages of both a PPO and DHMO. While PPO plans provide flexibility in choosing where to receive care, DHMO plans keep out-of-pocket costs low without requiring members to reach a calendar year maximum. To maximize savings, members can switch between plans each month, depending on their dental care needs.

Dual Option Dental Plans

Dual Option plans offer members the choice between a high or low plan. This flexibility allows employees to select the plan that best meets their dental care needs and out-of-pocket expenses. These plans appeal to employers who wish to provide employees with an upgrade option featuring richer benefits and lower out-of-pocket costs for a slightly higher premium, with the employee covering the difference.

Dual Option plans are offered in these formats: High/Low PPO, DHMO/PPO, DHMO/MAC, and High/Low MAC.

Voluntary Dental Plans

Many Cypress Dental plans are available on a voluntary basis, allowing employers to offer valuable benefits to their employees at no direct cost to the company. The cost of the plan is deducted from enrolled employees’ paychecks each month. Employees with dental needs can take advantage of lower group rates compared to purchasing an individual plan.

VSP Vision Plans

Add VSP vision coverage to any new Cypress Dental plan to access the vision and dental benefits through the same online portal and get one monthly bill.

Group Life and Disability Plans

The Hartford’s Group Life, Long-Term Disability, Short-Term Disability, Travel Business Life, and Critical Illness

Group Life Insurance Includes:

  • Enhanced Continuity of Coverage Clause that prevents employees from being stranded without coverage on the policy transfer date, even if they’re not actively at work on that day.
  • Living Benefit Option that accelerates the benefits of terminally ill employees or dependents up to $500,000.
  • No Interruption in Premium Waiver Elimination Period for employees who attempt to return to work for up to five days.
  • Portability Option and Conversion is offered with the life insurance product. Employees who leave their company, or are under other qualifying conditions, can take all or a portion of their coverage with them.
  • A variety of programs that give employees access to online tools and services that can help guide them through major life decisions, such as creating a will and funeral planning.

Accidental Death & Dismemberment Insurance (AD&D) Includes:

  • Protection for children, spouses, and employees against losses from unforeseen covered accidents.
  • Twenty-four-hour accident coverage can be combined with group life coverage offered or purchased as a stand-alone product.
  • A valuable package of riders offering important additional coverages.
  • An array of optional benefits that allow for a customized experience.

Group Accident Lines Include:

  • Business travel accident insurance that can help cover employees traveling for business only, or for business and pleasure. Plans have no mileage limits or travel duration restrictions. Travel options include in-town, out-of-town, out-of-state, and international travel.
  • Blanket accident insurance for specialty groups such as campers, private and public school students, church groups, and more. Coverage includes Accidental Death and Dismemberment, Accidental Medical Expenses and other benefits ranging from emergency room expenses to coverage for paralysis and comas.

Care, Compassion, Service Includes:

  • Funeral Planning and Concierge Services (Group Life)
  • EstateGuidance® Will Preparation Services (Group Life)
  • Beneficiary Counseling Services2 (Group Life, AD&D)
  • Travel Assistance and ID Theft Protection Services (Group Life, AD&D)

Please visit the Forms and Documents Library for carrier forms, applications, enrollment kits, broker bonuses, marketing resources, and more.

More information is available. Contact Claremont Insurance Services at 800.696.4543 or info@claremontcompanies.com.

In our library, you’ll find carrier forms, applications, enrollment kits, broker bonuses, marketing resources, and more (video tutorial). However, not all carrier forms are available online.

If you don’t find what you are looking for, contact our team for help at 800.696.4543 or materials@claremontcompanies.com.

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