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Covered California for Small Business – New Blue Shield Plans
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.
To earn additional compensation for selling and retaining eligible groups of 2-99 lives, enroll in Delta Dental’s Broker Rewards Program for small groups at ddsbrewards.com. This rewards program is for brokers who sell Delta Dental’s small group plans, including plans from their new Small Business Program portfolio – effective dates from January 1, 2022 to December 1, 2022.
How It Works
Retention Sales Bonus
Retain at least 92% of your book of business through 2022 and earn a bonus on your existing business and qualify for new sales rewards. The more you retain, the more you earn.
3% bonus when you retain 92%-96.9% of your existing business.
4% bonus when you retain 97%-100% of your existing business.
New Sales Bonus
Once you’ve met your retention goal, there are three levels of sales rewards. New sales bonuses are based on the number of new groups or total new premium received for effective dates in 2022. As you sell more and retain your existing business with Delta Dental, your rewards grow. And this rewards program is in addition to your existing standard small business commission.
Level 1: 3% bonus – 5-14 new groups or $150,000-$499,999 new premium.
Level 2: 4% bonus – 15-24 new groups or $500,000-$999,999 new premium.
Level 3: 5% bonus – 25+ new groups or $1,000,000+ new premium.
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.
Moving coverage from one carrier to another can be difficult for members with accrued deductibles and out-of-pocket maximum balances. Cigna + Oscar (C+O) makes it easier for employer groups and their employees by providing the most welcoming Deductible Credit and Max Out-of-Pocket Credit policy in the market. C+O credits both the prior carrier deductible and the maximum out-of-pocket credit.
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.
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 earn a bonus, sell new specialty lines of coverage with the same employer group and initial effective date of coverage between August 1 and December 31, 2022.
Place stand-alone specialty lines of coverage or add specialty lines of coverage to a new or existing Humana group medical customer and earn:
Groups with 5-99 eligible enrolled employees (must be at least 5 enrolled): – $500 bonus when you sell dental and vision coverage. – $1,000 bonus when you sell dental, vision, and life coverage.
Groups with 100+ eligible enrolled employees:
– $3,000 bonus when you sell dental and vision coverage.
Intended for specialty lines of coverage of all sizes, the Humana Specialty Growth Bonus is paid once annually, within 60 days after the January 31, 2023 program end date.
Bonus Program Highlights
Three-tiered bonus structure (Base, Summit, and Peak) allows you to earn more as you climb to the next level.
Opportunities for selling new and retaining existing business – and for case sizes big and small.
Rewarded for multi-line sales year-over-year so you don’t have to start fresh each year.
Earn up to 7% book of business revenue.
Eligible Products
Group Term Life (Including AD&D)
Group Term Voluntary/Supplemental Life (Including AD&D)
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.
The pandemic has changed the workforce with many employers electing to go remote permanently. How well employers meet remote worker benefit needs will impact their ability to succeed in attracting and retaining top talent.
Presented by Carolyn McNairy, This Webinar Will Cover:
Remote work trends impacting businesses.
How employers can satisfy State mandates on reimbursing home office expenses.
The top 10 benefits and why for attracting and retaining a remote workforce.
Why benefit plan customization is critical in the “new normal” work ecosystem.
Details:
Date: July 14, 2022
Time: 11:00 am to 12:30 pm PDT
The first 60 minutes will focus on the above topics with the remaining time devoted to Q&A. This course is not eligible for SHRM or HRCI credits. Register to attend now. Space is limited.
About Carolyn McNairy, Vice-President of Strategic Partnerships
With TASC since 2008, Carolyn has been in the employee benefits and administration since 1978, specializing in employer compliance. She has serviced as TASC Vice-President of Compliance Services and is currently a member of TASC Legislative Compliance Team.
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.
Earn bonus dollars on small group members who enroll in Health Net medical plans (including through CaliforniaChoice) with the Health Net New Member Incentive Program.
Receive $60 per member for each new small business employer group sold.
Program is valid for January 1, 2022 through December 1, 2022 effective dates.
Cases sold through CaliforniaChoice qualify for the incentive.
Broker must be contracted with Health Net.
Please note that another Health Net program – the New 2022 Broker Incentive Program – ends June 30, 2022. This Program provided an incentive to brokers that had not sold a new Health Net medical plan during the past three years.
Download the Health Net New Member Incentive flyer for details.
With the annual inflation rate at 8.6% for the 12 months ending May 2022, businesses of every size are feeling squeezed. Thankfully, Delta Dental’s Small Business Program (SBP) plans make it easy for your clients to help protect employees’ smiles and save money.
The Delta Dental Small Business Program
For groups with two to 99 employees, the SBP offers a wide variety of plans and options, all with comprehensive coverage and easy access to quality care at competitive rates. These plans are designed to be flexible so that your clients can choose the options that make the most sense for their business and budget.
Coverage Options
SBP dental plans feature a three-tier structure (Deluxe, Advantage, and Core) to meet your clients’ needs regardless of budget. Delta Dental PPO™ and DeltaCare® USA plans are available at each tier. And employers can stretch their dollars even further while increasing employee satisfaction with Dual Choice and Core/Buy-Up plans.
If your clients are looking for more, they can pair their Delta Dental plan with a DeltaVision plan (only plans administered by Allied Administrators are eligible for DeltaVision pairings). There are also options with Delta Dental PPO plans for voluntary benefits, where employees pay anywhere from 50% to all of the premiums.
Delta Dental PPO
With Delta Dental’s PPO plans, enrollees get the most choice. They can visit any dentist, but they’ll save the most with a PPO network dentist. Your groups can choose from a range of plan designs with different coinsurance levels and available options to fit their needs. PPO plans offer industry-leading network savings for enrollees backed by the nation’s largest dentist network.
DeltaCare USA
The copay HMO-type plans offer comprehensive coverage including orthodontics, teeth whitening, and more, but with a lower monthly price. These plans have set all-inclusive co-payments, no waiting period, no annual deductibles and no maximums for covered benefits. Enrollees have no surprise out-of-pocket costs or unexpected fees when they visit their selected primary care network dentist.
Dual Choice and Core/Buy-Up Plans
Delta Dental offers several choices to help both employers and employees manage their costs and control their expenses while increasing employee satisfaction. Each plan allows your clients to offer their employees a choice of two plan designs. Your clients can choose the plan design that best suits their needs and decide their level of contribution. Their employees can choose the plan that best meets their family’s dental needs. Groups can offer side-by-side:
Dual choice:Build your own plan. Choose any one PPO plan and any one DeltaCare USA plan.
Dual choice 2:Matching premiums. Offer two same-priced plans with differing coverage, so employees can decide what works best for them; a PPO plan with higher coverage or a PPO Plus Premier plan with greater dentist choice.
Dual choice 3:Differing premiums. Offer both a high and a low PPO plan with different prices and coverage amounts, so employees can decide what works best for them: more coverage at a higher price or less coverage for a lower price.
Core/Buy-Up. Your clients have a way to control costs with a set contribution, while still giving their employees the option to purchase more coverage.
Why employers should offer dental coverage when budgets are tight:
Dental benefits can help your clients save money over the long run.
Providing dental coverage can improve employees’ overall wellness. Poor oral health has been linked to severe health conditions such as diabetes, heart disease, and certain cancers.
Employees without coverage may avoid going to the dentist or delay care because of the cost, which can result in more severe dental issues, costly care, and more time off work. In contrast, employees with dental coverage are more likely to visit the dentist and maintain a higher level of health and wellness.
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.
The COVID-19 pandemic has produced a huge increase in the demand for the treatment of mental health and substance use disorders. A new law – SB 221 – coming into effect July 1, 2022 aims to strengthen access to mental health services. Your clients may be interested in knowing the details.
Under existing law, California health plans must ensure their network of providers, including doctors, can provide enrollees with an appointment within a specific number of days or hours. Under the new law effective July 1, 2022, this requirement now extends to treatment for mental health and substance use disorders. You can find more background to the new law in a recent CaliforniaHealthline article. The California Department of Managed Health Care (DMHC) has also produced a Timely Access to Care fact sheet.
All of the major California carriers provide emotional, behavioral, and mental health benefits programs for members. For an easy-to-use summary of the programs provided by each carrier, download our Carrier Resources Guide
Join the Covered California for Small Business (CCSB) sales team as they discuss updates in the marketplace, the ‘Partnership that Pays’ Bonus Program, MyCCSB Portal capabilities, and more!
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.
Earn even more with the latest addition to Blue Shield’s producer incentive program. Now earn rewards points for new Trio HMO Bronze 7000/70 members and/or specialty plan upsells in renewing groups. All point distributions are in addition to standard commissions.
How to Qualify
Applicable for small groups (1-100 employees) with renewal dates from June 2022 through December 2022.
The bonus program applies to off-exchange and mirror plan renewals only.
Brokers must opt-in by submitting a 1099 form. If brokers are a part of an agency, the parent agency must opt-in first.
Renewal submission must be submitted through SGOR using the opted-in broker profile. New Blue Shield group members must be enrolled through E-enroll.
You Can Earn
150 points per new enrolled member to Trio HMO Bronze plan.
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.
Due to the recent rise in inflation, the IRS announced considerable increases in the 2023 Health Savings Account (HSAs) contribution limits and catch-up contributions; and High Deductible Health Plan (HDHP) minimum deductibles and out-of-pocket amounts.
This early announcement will give employers ample time to plan ahead and communicate with employees about making health care choices before for open enrollment season.
The chart below shows a comparison of the 2023 versus the 2022 amounts. Learn more.
HSA Administration Service Partners
BASIC
As a technology-driven human resource compliance company, BASIC specializes in administering a full-circle suite of solutions that are offered independently or as an integrated platform. Learn more.
Benefits Resource Inc (BRI)
BRI’s experienced team will provide guidance through implementation. They’ll look at how the HSA fits into your clients’ entire benefits package and provide recommendations for transition strategies and plan changes that maximize HSA compatibility. To learn more, watch the video, download the flyer, and visit BRI.
Sterling Administration
An independent, privately held company that specializes in administering health savings accounts (HSAs), health reimbursement arrangements (HRAs), flexible benefit plans (FSAs and transportation benefits), premium only plans (POPs), and COBRA. Learn more.
TASC
As the nation’s largest privately-held TPA (Third-Party Administrator), TASC offers comprehensive, competitive, and dependable employee benefits and administrative services to companies of all sizes. With over 8,000 field representatives and more than 900 associates in Madison, Wisconsin, TASC’s team of dedicated professionals provide outstanding account management and support. Learn more.
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.
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.
