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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 PrismAvailable with April 1, 2022 effective dates, Humana has introduced two new plan options to their dental portfolio: Dental PPO 2 and Dental Traditional Preferred (TRP) 2.
With these new plans, your employer clients have additional budget-friendly dental options and an easy way to offer employees dental coverage for the first time. Both plans are available as employer-sponsored or voluntary. A range of annual maximums are available starting from $500 to unlimited, providing great flexibility for employers.
An everyday dental plan that helps save on out-of-pocket costs. Features include:
A dental plan with the freedom to choose any dentist. Features include:
To learn more, download the Dental PPO 2 Plan and Dental Traditional Preferred 2 Plan flyers.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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To give your clients stability, Beam has announced a two-year rate guarantee and rate cap promotion for small and large groups. It applies to all new dental and vision quotes received on or before May 31, 2022.
Download the flyer to learn more.
Download the flyer to learn more.
Beam dental and vision plans are available for 2+ enrolled employees.
Beam’s Standard Provisions
Dental Provider Networks
Vision: VSP® Vision Care Plans & VSP® Choice Network
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.
Present your clients with the most effective quotes and proposals by using Claremont’s new PRISM quoting educational videos.
Whether you need help onboarding new staff or learning how to use the advanced features like the multi-output option or ancillary quoting, these nine short on-demand videos will quickly get you the training you need when you need it.
Check out these short video tutorials featuring our very own Broker Service Representative Lea Torres!
To take advantage of our free online quoting system, sign in to PRISM. Or request a quote by contacting us at 800.696.4543 or quotes@claremontcompanies.com.
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.
People lose teeth for many reasons and it’s a common problem. It can happen as a result of an accident, gum disease or other oral health problems. In fact, 69% of adults ages 35 to 44 have lost at least one permanent tooth, and by age 74 more than a quarter of adults have lost all their permanent teeth. When a tooth is lost, simple tasks like eating and talking are affected, in addition to the impact on self-image. Until recently, there have not been many good options.
Unlike dentures that can be costly, uncomfortable and inconvenient, and become stained, chipped, or broken when worn for many years, dental implants can be less expensive in the long-run because of their permanent nature. In addition to being more more attractive, once implanted, they are treated like natural teeth – which means only regular maintenance is required.
What is a Dental Implant?
Made from high-grade, durable titanium, a dental implant is a cylinder-shaped post that is surgically inserted into the jawbone. Over a period of usually three to six months, the implant will fuse with the bone structure. After this is done and the gum tissue heals, a titanium abutment can be added to anchor a porcelain restoration to the implant.
Dental Implant Advantages
About 3 million people in the U.S. have dental implants, and another 500,000 implants are placed each year, according to the American Academy of Implant Dentistry. With the aging U.S. population (by 2030, people aged 65 and older will outnumber those aged 18 and under) and tooth loss more prevalent in older populations, demand for implants is rising.
With an increasing number of dentists performing dental implant procedures and the growth of group practices and dental service organizations, implant costs are expected to go down while their popularity goes up. As a result, the US market for implants is expected to grow to exceed $1.5 billion in 2027.
Initial implant costs can range from $3,000 to $5,000 each. To address the growing demand for dental implants and help mitigate the costs, Dental Dental offers affordable and highly rated implant coverage for both groups and individuals:
Delta Dental implant coverage was named Best Overall Dental Insurance for Implants for 2022 by Investopedia.
Benefits Typically Include
Implants, abutments, implant crowns, retainers (either abutment-supported or implant-supported), removal of implant, maintenance procedures, recement and repairs. Parts of an implant may be covered under prosthodontic coverage, such as the crown, bridge or denture supported by the dental implant itself. Some plans may include waiting periods, maximums and deductibles for implants, and not all plans cover pre-existing conditions such as missing teeth.
With the growing demand for implants and the competitive job market, offering dental implant coverage can give your clients the edge to attract and retain top talent.
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.
Earn points for every sale that qualifies for Blue Shield’s Small Business Incentive Program (February 2022 to June 30, 2023 effective dates). Then redeem your points for rewards from hundreds of great options, such as gift cards, electronics, products for your home, and more. Or convert your points to cash with a Visa gift card. Best of all, there are no complicated tiers or calculations required!
You Can Earn
With the Producer Rewards points-based bonus program, each point is equal to one dollar. Plus it’s easy to keep track of your point status and what you’ve earned.
Learn more about the Small Business Incentive Program and Producer Rewards Program. Enroll in the Blue Shield Producer Rewards Program today.
Groups written through Claremont are eligible for this program.
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.
Carriers are implementing the federal government’s recent mandate of at-home COVID testing. Your employer clients are likely getting questions from employees.
The details of the mandate – which we summarized previously – mean that each carrier is implementing it differently. And implementation challenges mean that the situation next week will likely be different than the situation this week.
Given this, here’s how we recommend your clients respond to questions from employees:
We’ll keep you apprised of any major updates to the mandate and carrier implementation.
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.
Starting January 1, 2022, three new Blue Shield of California programs are available to small business groups:
As the leading virtual clinic for individuals planning, growing and raising families, the Maven Maternity Program offers on-demand coaching and educational telehealth appointments with specialists and coaches 24/7/365, along with personalized clinical content and community forums. With Maven, members get access to virtual care for pregnancy, postpartum, and returning to work after parental leave – which delivers better outcomes and reduced costs for employers.
Key Features Include:
Download the Maven Maternity Program flyer to learn more.
Offered at no cost to small business clients on the Wellvolution platform, Ginger provides on-demand, confidential mental health support, coaching via text-based chats, and self-care activities from the privacy of a smartphone.
Key Features Include:
For more information, check out this article and visit the Wellvolution mental health homepage to get started.
Available for both new and renewing groups, Blue Shield’s LifeReferrals 24/7 program provides access to confidential and professional assistance to help members better manage their personal, family, and work issues 24/7/365 for no copayment or extra cost.
Key Features Include:
Critical Incident Response services (CIR)*, are one facet of the program, offering onsite behavioral health clinical support for scenarios such as an employee death, company re-organization, and natural or manmade disasters. Additionally, employee training and development programs are designed to help employees stay productive, healthy, and engaged. Training topics include emotional well-being, leadership, and many more.
Download the LifeReferrals 24/7 flyer to learn more.
*Qualifies as a buy-up service where, for an additional cost, employers have access to customized services to support special circumstances and specific workforce needs.
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.
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
Eligible Products
To learn more, download the Specialty Growth Bonus flyer.
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.
With Reliance Standard’s Premier Producer Program, earn more as you write more when you sell RSL SmartChoice® small group insurance products.
You must first qualify for at least Tier I of the New Business Incentive to qualify for a renewal incentive.
All licensed producers appointed with Reliance Standard are eligible to participate in the two-part three-tier program. Get the RSL SmartChoice® Premier Producer Program details.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
The federal government recently introduced two initiatives regarding the cost and availability of at-home COVID-19 tests. You may be getting questions from your clients. To help you, we’ve put together a summary of the impact on employers and employees:
Firstly, the federal government has launched a website – covidtests.gov – where at-home COVID-19 tests can be ordered. These tests are provided free of charge by the federal government. There’s a limit of four tests per household. Tests are expected to ship 7-10 days from the order date. Health insurance companies and group health plans are not involved or impacted in this program. More details can be found in the site’s FAQs.
Secondly, the Biden Administration has mandated, effective January 15, that health insurance companies and group health plans reimburse members for the cost of at-home over-the-counter diagnostic COVID-19 tests authorized by the U.S. Food and Drug Administration (FDA). The public announcement has been widely misinterpreted as meaning that tests would be “free.”
The reality is more complicated. The details of the mandate provide two compliance options for carriers. The cost to members of at-home COVID-19 tests will depend on the compliance option that their carrier chooses to implement. Essentially:
The number of tests covered is limited to no less than eight tests per 30-day period (or calendar month) per member.
The mandate does not apply to tests required for employment purposes. In the situation where an employer requires employees to submit COVID-19 test results as a condition of employment, the mandate does not require health plans to reimburse the cost of those tests.
As you can see, the result of the mandate is that at-home COVID-19 tests – with no out-of-pocket cost to the member – are indeed becoming more widely available. But it does not mean that all tests are provided with no copay nor does it mean that all purchases are a 100% covered benefit.
This article by law firm Morgan Lewis provides a good summary of the mandate.
Carriers are now implementing the new mandate. The challenges of implementation are well-summarized in this SHRM article. Journalists covering healthcare are also beginning to provide information to the public such as in this KQED article.
(These sources are provided for information purpose only. Health plan members should not make decisions based solely on what they read in the news.)
Currently, here are the best ways for individuals and families to obtain at-home COVID-19 tests:
We will update you with more information as the carriers announce their implementations of the mandate.
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.