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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.
Login To PrismIn addition to health insurance that’ll save your small groups money and treat their employees like family, Cigna + Oscar (C+O) offers:
Members are supported by a personalized Care Team of Care Guides and nurses who:
Download the Oscar Care Team flyer to learn more.
All C+O plans come with $0 copay and unlimited calls with a provider (24/7) which helps reduce out-of-pocket expenses. Members can skip the doctor’s office and have providers:
Download the Virtual Urgent Care flyer to learn more.
Members can sync the Oscar app with Google Fit or Apple Health and earn $1 every day they hit their step goals – up to $100 per year in Amazon gift cards.
Download the Step Tracking flyer to learn more.
With Cigna + Oscar, your groups get quality care and all of these (EPO) plan features:
With rates comparable to Kaiser, and networks that include Dignity Health, UCSF, Stanford, and Sutter, Cigna + Oscar brings together the power of Cigna’s nationwide and local provider networks, and Oscar’s member-focused tech-driven experience, to deliver small group health insurance that meets the unique needs of California small businesses and their employees. To learn more about Cigna + Oscar, view our web page.
Note: to enroll your groups, you will need to have an appointment with Cigna. Check out the Cigna + Oscar Appointments Guide for full instructions.
Questions?
Contact The Answer Team at 800.696.4543 or info@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.
Founded in 1989 by Sears Optical, National Eye Exam Month was established as a way to educate the public about eye health and safety.
Comprehensive eye exams are one of the most important aspects of preventative health care, namely because many eye diseases and disorders can be detected in the early stages. Even if your vision is perfect and you are without problems, a comprehensive eye exam may say otherwise. An eye exam does more than just test your vision. It can provide insight regarding your overall health and wellness.
Remind your employer groups to celebrate National Eye Exam month by scheduling their eye exams and getting their eyes checked regularly as part of their annual healthcare routine.
Use National Eye Exam Month as an opportunity to discuss the advantages of vision coverage and help your groups save money with MetLife’s flexible and comprehensive benefit options.
With the addition of Davis Vision and Superior to the MetLife portfolio earlier this year, large group members now have access to one of the largest provider networks in the country. Plus, exceptional service and claims experience make it easy for employers and employees to manage and use vision care benefits. Get the details.
Great value and an extensive retail network that delivers lower out-of-pocket costs for members.
To learn more, download the Davis Vision by MetLife flyer.
An extensive network of providers and retailers along with access to some of the latest corrective eyewear and procedures, and valuable savings.
To learn more, download the Superior Vision by MetLife flyer.
Questions?
Contact The Answer Team at 800.696.4543 or info@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.
Effective October 1, 2022, the federal Centers for Medicare and Medicaid Services (CMS), is introducing a new broker mandate. If you or anyone on your staff communicate with Medicare-eligible individuals, read on.
The new rule requires brokers to add a disclaimer to communications related to CMS-regulated Medicare products, including in phone calls.
The required new disclaimer states: “We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.”
In addition, the new rules require that broker phone calls related to CMS-regulated Medicare products be recorded.
This helpful recent Newsweek article provides more detail. The text of the full CMS Final Rule can be found here.
California Agents & Health Insurance Professionals (CAHIP) is urging CMS to remove licensed and certified independent agents and brokers from the new requirement.
Questions?
Contact The Answer Team at 800.696.4543 or info@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.
To ensure your success in Q4, below are the updates announced by Blue Shield of California. Make sure to enroll and take advantage of the Small Business Incentive Program and the Renewal Rewards Program.
There are minimal changes to Blue Shield’s existing medical portfolio due to decreased out-of-pocket maximums in many plans, no actuarial value calculator changes resulting in minimal cost share changes, and Blue Shield’s focus on providing more valuable plan options for members.
For a list of the 2021 Small Business medical plans that changed names for 2022, download the flyer. And view the Blue Shield 2022 plans at a glance.
Questions?
Contact The Answer Team at 800.696.4543 or info@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.
Healthcare cost-containment and choice are more important than ever to employers and employees. Offer your clients even more value with CaliforniaChoice and ChoiceBuilder.
With the state’s largest portfolio of plans and networks, CaliforniaChoice (a private exchange for employee benefits) specializes in helping small businesses control healthcare costs while offering more choices than any single health plan option.
What makes CaliforniaChoice different for your clients:
With CaliforniaChoice, employees get:
Available to small businesses (2-500 employees), ChoiceBuilder is the best ancillary exchange in California, offering the nation’s premier dental, vision, chiropractic/acupuncture, and life insurance benefits in a single easy-to-manage program – with both employer-sponsored and voluntary coverage options. Plus, ChoiceBuilder can be offered alongside any medical plan, including CaliforniaChoice®.
It’s a great way to enhance your clients’ employee benefits package without the high cost of additional benefits or the difficulties of managing different services. There’s one application, one bill, and one point of contact for administration.
With more than 8,000 employers and 130,000 members across the state, ChoiceBuilder offers freedom, simplicity, and affordability.
Dental, Vision, Chiropractic and Life Carriers
More information is available in the ChoiceBuilder flyer.
Questions?
Contact The Answer Team at 800.696.4543 or info@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.
Launched July 16, 2022, the new National Suicide Prevention Lifeline (known as the 988 Suicide and Crisis Lifeline) is accessed by calling or texting the three-digit code 988. It’s available 24/7 for anyone who is suicidal or experiencing any type of mental health-related distress, including individuals who are worried about a loved one and need crisis support.
The National Suicide Prevention Lifeline – 800.273.8255 – will remain active, but calls will be routed to 988.
When people call or text the 988 lifeline, or chat via the Lifeline’s website, they’ll be connected to the existing network of more than 200 local crisis call centers around the country. Trained counselors will answer the phone, listen to the caller, understand how their problem is affecting them, provide support, and connect them to resources as needed.
Phone services are available in English and Spanish. Translation services are available for more than 250 additional languages.
The goal of the 988 Suicide and Crisis Lifeline is to make it easier for people to call for help, instead of dialing 911 and ending up in an emergency room waiting for hours, or interacting with law enforcement, which can lead to tragedy or trauma.
“Close to 90% of people who call get what they need from the phone call,” says Chuck Ingoglia, CEO of the National Council for Mental Wellbeing.
Questions?
Contact The Answer Team at 800.696.4543 or info@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.
Pregnancy termination services are now restricted or banned in several states as a result of the U.S. Supreme Court overturning Roe v. Wade.
In California, access to pregnancy termination services is protected by state law. However, Blue Shield of California members living in some other states may be negatively impacted by the change.
In response, Blue Shield is introducing a Travel Reimbursement Program for Pregnancy Termination Services. The program assists Blue Shield members living in states that implement restrictions or bans on pregnancy termination services with access to these services in other states where they remain legally available.
The program is available to members in all fully-insured and self-funded groups, except for those groups without pregnancy termination benefits or those groups that elect to opt out of the program. Get the details.
Questions?
Contact The Answer Team at 800.696.4543 or info@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.
Quote and renew groups early with Cigna + Oscar’s (C+O) Q4 rate pass and competitive plans. Rates in all rating areas and on all plans will remain the same as they were in Q3.
When groups switch to C+O, they can easily move carriers (even off-cycle) with deductible and out-of-pocket maximum credits. Plus C+O can be written alongside any carrier and plan type with 3+ enrolled.
With Cigna + Oscar, your groups get quality care and all of these (EPO) plan features:
With rates comparable to Kaiser, and networks that include Dignity Health, UCSF, Stanford, and Sutter, Cigna + Oscar brings together the power of Cigna’s nationwide and local provider networks, and Oscar’s member-focused tech-driven experience, to deliver small group health insurance that meets the unique needs of California small businesses and their employees. To learn more about Cigna + Oscar, view our web page.
Note: to enroll your groups, you will need to have an appointment with Cigna. Check out the Cigna + Oscar Appointments Guide for full instructions.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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.
Beam has added voluntary life, accident, and hospital indemnity products to its benefits portfolio. With the addition of these new products, Beam has rebranded to Beam Benefits.
The new products are available with an August 1, 2022 effective date in CA, IL, OH, and TX.
Beam Benefits will continue to launch additional benefits products and will add critical illness to its portfolio later this year.
Beam Benefits provides brokers with a simpler process from start to finish:
With its intuitive online platform, self-service tools, AI-powered underwriting, and thoughtful coverage for improved overall wellness, Beam Benefits simplifies and modernizes the ancillary benefits industry.
Questions?
Contact The Answer Team at 800.696.4543 or info@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.
Anthem, Inc., the parent company of Anthem Blue Cross of California, has rebranded to Elevance Health, Inc.
Anthem Blue Cross of California and the other Elevance Health affiliated health plans are not changing their names. There is no impact to health plan member benefits, enrollment, or ID cards.
Elevance Health is also introducing a new Carelon brand to consolidate some other lines of business and will use its Wellpoint brand for its non-Blue Medicare, Medicaid, and commercial health plans. Learn more.
Questions?
Contact The Answer Team at 800.696.4543 or info@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.