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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 to groups with 2 to 19 lives, the RSL SmartChoice® Small Group package offers comprehensive, flexible plan designs and standalone products incorporating STD, LTD, Life/AD&D, Dental/Eye Care, Critical Illness and Accident Insurance.
Learn more about RSL SmartChoice Small Group insurance products.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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New business formation soared during the COVID-19 pandemic. According to US Census Bureau data, new business applications in California increased by 20% over 2019 in 2020 to 437,000. The trend is continuing this year. That’s a lot of small group prospects that need health benefits in order to recruit employees.
The US Census Bureau has a helpful interactive chart where you can drill down to get new business formation data in your local county.
The boom in new business creation is in the news. For more information, this recent US Chamber of Commerce article provides more in-depth coverage.
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.
Cigna + Oscar (C+O) has announced updated plans and rates for 2022.
PPO plans now included in portfolio.
PPO plan options are now available with out-of-network benefits and access to the full Cigna Open Access Plus network. EPO plan options, which utilize the Cigna LocalPlus® network, also continue to be offered. No referrals are required to see a specialist, regardless of plan or network.
Cigna Open Access Plus Network – California
Is Cigna’s broad network offering a discounted national network with 1,000,000+ doctors, specialists, and other professionals; and 17,000+ hospital and clinical facilities. Cigna + Oscar small group PPO plans utilize the Cigna Open Access Plus Network.
Cigna LocalPlus® Network – California
Is a locally curated network of doctors, specialists, and hospitals providing cost-effective medical care without sacrificing the quality your clients expect. Cigna + Oscar small group EPO plans utilize the Cigna LocalPlus® Network.
For details, download the Plan Grid and explore the Open Access Plus and LocalPlus® provider networks.
With both Cigna + Oscar networks, your groups get quality care and all of these plan features:
Several rating regions have very competitive rates with premiums up to 35% less than comparable plans with other carriers.
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: Only licensed and appointed agents who are contracted with Cigna + Oscar are eligible for the bonus. Check out the Cigna + Oscar Appointments Guide for full instructions.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Earn more during Q4 with Cigna + Oscar’s Case Bonus and Early Submission Bonus programs. CaliforniaChoice groups are also eligible.
Earn a $500 bonus for groups with 3 or more enrolled employees. Unlimited number of accounts. Effective dates from October 1, 2021 to December 15, 2021 are eligible for this program. Download the flyer to learn more.
Submit your groups early and earn up to a $700 bonus for groups with 4 or more enrolled employees. Unlimited number of accounts. Effective date of January 1, 2022 is eligible for this program.
Download the flyer to learn more.
Offer your small groups Cigna + Oscar’s quality care and all of these 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: Only licensed and appointed agents who are contracted with Cigna + Oscar are eligible for the bonus. Check out the Cigna + Oscar Appointments Guide for full instructions.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Broker Bonus Program Relaunched for December 1, 2021 – January 1, 2022
With the Covered California for Small Business (CCSB) “A Partnership That Pays” bonus, agents who place new small group business with CCSB December 1, 2021 – January 1, 2022, can earn up to a $5,000 bonus per group, in addition to competitive commissions. You’ll earn $500 for groups with as few as six enrolled employees and up to $5,000 for groups with 51-100 enrolled employees. Best of all, the bonus is per group with no maximum number of groups! For details, download the flyer.
In addition to California’s most comprehensive access to doctors and hospitals, CCSB health plans offer choice and control, with:
Claremont has been a trusted CCSB partner since its 2014 launch, and we are the top producing general agency in our sales territory. From agent certification and quoting to assessing new group eligibility and resolving post-enrollment issues, our CCSB experts will provide guidance and support every step of the way.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
ChoiceBuilder Q1-2022 rates are now live for quoting.
There are no benefits changes for Q1. Dental rates are being reduced by up to 10% across multiple carriers.
Available to small businesses (2-500 employees), ChoiceBuilder is the only place with 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.
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.
You can find more information in the ChoiceBuilder Fast Facts and Program Highlights brochures.
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.
Delta Dental has announced a 4% rate reduction for all new and existing Small Business Program clients. Best of all, the rate reduction will be effective for two years starting in 2022. Existing Small Business Program groups will receive the rate reduction with their scheduled 2022 renewal or upon their 2022 anniversary date. What’s more, rate reductions have also been made to Delta Dental’s voluntary plans.
The Delta Dental Small Business Program offers a wide variety of affordable plans and options, all with comprehensive coverage, easy access to quality care, top-notch customer service, and savings from the nation’s largest network of dentists.
With benefits your clients can trust, cost savings and predictable rates that a small business budget can count on, your clients will be healthy and happy – making it easier to manage renewals and grow your business.
Recommending plan options with the Delta Dental Small Business Program product portfolio structure is simple. No matter what level of plan your groups choose, all plans offer comprehensive coverage, benefits stability at competitive rates, and the 4% rate reduction for two years.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Now is a good time to update your clients about their 2022 obligations under the San Francisco Health Care Security Ordinance (HCSO). The HCSO applies to employers with San Francisco based employees, not just employers based in San Francisco. The COVID-19 pandemic has prompted many employees to change where they live. Employers may want to double-check their HCSO obligations.
Under the HCSO, employers must spend a minimum amount on health care for their San Francisco employees. As of January 1, 2022, the rates are as follows:
Employer reporting under the HCSO is required for the calendar year 2021. (Due to the COVID-19 pandemic, employer HCSO annual reporting requirements were waived for calendar years 2019 and 2020. Employers were still required to comply with all other aspects of the HCSO).
Learn more about employer obligations under the HCSO.
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.
As of October 7, Blue Shield’s Q1-2022 rates are live in PRISM, our free and easy online quoting system. Plus, new enrollment forms, underwriting guidelines, marketing materials, flyers, and other 2022 documents are available online.
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.
Mike joins Claremont with over 25 years of managed healthcare experience as a sales consultant, general agency director, and regional sales manager. He has worked in the small and large group market for John Alden, Universal Care, First Dental Health, Covered California for Small Business, and the national PPO network Private Healthcare Systems, Inc. (PHCS). His healthcare experience also includes working in the self-funded space with TPA Pinnacle Claims Management, Inc.
With a Bachelor of Science degree in both economics and history from the State University of New York (SUNY) Oneonta, Mike is a Bronx, New York born and bred Yankees fan.
When not working, he spends as much time as possible with his wife Tricia, his 5 children, and two labradors – Bruce and Buster.
You can reach Mike at mburke@claremontcompanies.com or 925.296.8827.
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.