Archive for the ‘Broker Updates’ Category

BASIC HR Outsourcing Services

HR outsourcing has become increasingly important as employers seek ways to reduce administration time and resources spent, so they can focus on more strategic activities to grow their business.

In addition to saving costs, HR outsourcing can:

• Provide access to HR expertise.
• Reduce the administrative workload.
• Help with regulatory compliance and legal issues.
• Increase response times.
• Free up time to focus on business objectives.

Managing employees today is complex and requires specialized knowledge to avoid legal issues and penalties for noncompliance. Most small business owners without a human resources department don’t have that knowledge, don’t maintain the proper employee paperwork, or don’t have effective policies for managing staff. Not only do these gaps in knowledge create risk for the company and cost money, but they also mean that business owners spend more time than necessary on these tasks.

Mid-size companies that do have a human resources department may also feel the pressure to reduce expenses and hand off administrative and compliance-related functions. In either case, BASIC’s HR Assist Lite service offers one-stop HR outsourcing solutions to help both small and mid-size businesses.

HR Assist Lite

Offers employers access to a full suite of tools to help with managing all things human resources including Unlimited Ask the Pro, a feature of HR On-Demand.

Unlimited Ask the Pro
Allows employers to ask a team of certified HR Advisors unlimited questions, online or over the phone. Topics range from sick leave policies to hiring, terminations, employee relations, and the Affordable Care Act.

Features

• Customized Employee Handbook Builder
• Custom Job Descriptions
• Quarterly Sexual Harassment Training
• Policy Customization
• Unlimited HR Questions
• HR Concierge Live Chat
• Online HR Forms, Checklists, and Templates
• New Hire Kits
• Law Library and Alerts on Time Sensitive Issues (e.g. COVID-19 Regulations)

HR Assist Lite gives small and mid-size businesses the essential expertise, technology, and tools they need to streamline their human resources department, eliminate the stress and time spent on tedious workforce management, stay compliant and protected, and effectively compete in today’s business environment.

Offer your employers, with or without a dedicated HR Department, the invaluable benefit of HR outsourcing.

To learn more, check out the BASIC website and contact us at 800.696.4543 or info@claremontcompanies.com for assistance when you’re ready to enroll a group in a BASIC plan.

Questions?
Contact your Claremont 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.

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Cigna + Oscar Hot Plans, Q4 Rate Pass, Broker Bonus, and More

Quote and renew groups early with Cigna + Oscar’s (C+O) Q4 rate pass and competitive plans, and take advantage of their Broker Bonus Program. 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.

In Northern California, C+O offers competitive Platinum plans with top-tier benefits and affordable Bronze plans with lower member premiums and deductibles. Check out the savings in the chart below.

Savings on Cigna + Oscar Top Selling Regions and Plans

2021 Broker Bonus Program

Earn a $350 bonus for every Cigna + Oscar group with four or more enrolled employees. Effective dates from April 1, 2021 to December 15, 2021 are eligible. Learn more.

Reminders

With Cigna + Oscar, your groups get quality care and all of these (EPO) plan features:

• No referrals required to see a specialist.
• Access to Virtual Urgent Care, available 24/7 with a $0 copay via the Oscar app.
• Personalized Care Teams to help members manage their care.
• Savings on prescriptions with Express Scripts and easy prescription refills via the Oscar app.
• Access to Cigna’s behavioral health network for mental health resources.
• Step-tracking rewards (up to $100 per year).

With rates comparable to Kaiser, and networks that include 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 understands the unique needs of California small businesses and their employees.

To learn more about Cigna + Oscar, download the Northern California and Southern California LocalPlus® network flyers, and view our recorded webinar and web page.

Contact your sales team or quotes@claremontcompanies.com to start quoting Cigna + Oscar today.

Get a Quote

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 your Claremont team at 800.696.4543 or info@claremontcompanies.com.

Blue Shield 2022 Large Group Updates

To meet the evolving needs of employers, Blue Shield of California is broadening its plans to provide more options at lower costs, including medical and behavioral health Teladoc benefits at no charge. They are also updating their Specialty portfolio and pharmacy programs.

Plus, your clients can enjoy rate guarantees and discounts of up to 3% when they add dental, vision, and life coverage with the Benefits Solutions Discount.

Medical Plan Portfolio Expansion for 2022

• PPO Savings Embedded Deductible 6350 100%
  • Available on the Full PPO or Tandem PPO network (plans are not customizable).
  • Plans feature higher deductibles keeping premiums reasonable.
  • Out-of-pocket maximum is equal to the deductible when visiting participating providers. The member contributes until the deductible is met and then Blue Shield covers the remaining costs.

• EPO 25-1500 80
• EPO 25-2500 80
  
  • Available on the Full PPO or Tandem PPO network (plans are customizable).
  • Plans feature lower premiums than existing EPO offerings, with higher deductible thresholds and more benefits subject to the deductible.

• Active Choice Classic & Active Choice Plus
  The plans below are available now and effective for 2021 (plans are not customizable).
  • Active Choice Plus 1000 80/60
  • Active Choice Plus 1000 20 80/60
  • Active Choice Plus 300 80/60
  • Active Choice Plus 300 20 80/60
  • Active Choice Classic 850 80/60
  • Active Choice Classic 600 80/50
  • Active Choice Classic 850 70/50 with 1000 Deductible

Visit Blue Shield of CA to learn about all the available plans.

Existing Plan Updates for 2022

• Maximizing PPO Savings Coverage
  Peak flow meter and glucometer benefits will be available to members prior to meeting their deductible in accordance with IRS Notice 2019-45.
  • Portfolio plan cost shares:
    • For standard PPO savings plans, glucometer and peak flow meter cost shares equal DME.
    • For PPO Savings plans with $0 HDHP preventive drugs, glucometers and peak flow meters are available at no charge.
  • Custom plan fully insured cost-share options:
    • For custom PPO Savings plans without $0 HDHP preventive drugs, glucometers and peak flow meters can be either no charge or have a cost-share matching durable medical equipment (DME).
    • For custom PPO Savings plans with $0 HDHP Preventive Drugs, glucometer and peak flow meter must be no charge.
  • ASO cost-share options:
    • ASO plans may set glucometer and peak flow meter to no charge, equal to DME or not covered regardless of HDHP Preventive Drug cost share.
• Active Choice Benefits Clarified
  Both medical and behavioral health Teladoc benefits will be moved to Category 2 to clarify that those services are available at no charge. Active Choice plans are also reintroducing first dollar allowance rollover and access to family first dollar credit for members on a family plan, with language updates to clarify these plan features. Check out Blue Shield’s Mid/Large group plan documents.
• Physician Visit Cost Shares
  Physician office visit and physician home visit cost shares are now equal for the three portfolio plans:
  • EPO Admit 10-250 (Full PPO/Tandem PPO)
  • Added Advantage POS 300-100/90/70
  • Added Advantage POS 500-100/80/60

To compare year over year plan changes, visit Blue Shield of CA.

Specialty Benefits Updates for 2022

With more emphasis on health and wellbeing as we emerge from COVID-19, there’s never been a better time to bundle dental, vision, and life benefits with Blue Shield medical plans. Your clients can enjoy a streamlined sales process, rate guarantees, discounts of up to 3% with the Benefits Solutions Discount, and some of the largest networks of dental and vision providers. Learn more about Blue Shield’s dental and vision plan options.

Dental Plan Updates

• Core Specialty Duo Dental/Vision
  This plan is being withdrawn from the market.
• Dental HMO: Orthodontic in Progress Takeover
  Available for new groups moving from a prior carrier’s DHMO plan to a new Blue Shield DHMO plan, and available for eligible members receiving “active orthodontic treatment” that will not be finished until after the Blue Shield DHMO plan takes effect.
• Dental PPO/HMO/DINO: Dental Cleaning Frequency Change
  Dental cleaning frequency is covered twice per consecutive 12-month period, updated from once every 6-months.
• Dental HMO: Enhanced Dental Cleaning for Pregnant Women
  Allows a third cleaning for pregnant women.
• Dental PPO – Allow Prior Carrier Deductible Credit
  For an individual with dental PPO coverage with a prior dental carrier, any deductible amount paid for dental benefits during the same calendar year will be applied to the new Blue Shield dental PPO plan.
• Dental PPO – Allow Prior Carrier Calendar Year Maximum Credit
  For groups who transition mid-year to a Blue Shield plan, Blue Shield can provide credit for the deductible already paid but they will also reduce their current annual maximum amount for any claims dollars that were paid out as well under the prior plan. This change will be applied with prior carrier deductible credit noted above.

Vision Plan Updates

• Elective Contact Lens Allowance to Match Frame Allowance
  This change will increase the elective contact lens benefit allowances to match the frame allowances for some plans that did not already align with this benefit.

• Add Standard Progressive Lenses on Vision Plans Without Premium Progressive Lenses
  • Applies to marketed and non-marketed (closed) portfolio vision plans with a frame allowance of $120 or lower.
  • Includes vision materials only plan with a $120 frame allowance.
  • Applies to new and renewing groups in 2022.

• Custom Vision Bracketed Filing
  Increase frame allowance option from $300 to $500.

Summary of Benefits (SOBs) documents will be used as both pre-and post-sale materials for 2022.

Pharmacy Updates for 2022

All changes will be effective upon group renewal.

Copay Card Accumulator Program
When a member uses a non-financial needs-based manufacturer copay card at CVS Specialty Pharmacy, only the member’s true out-of-pocket costs will apply to their deductible and/or out-of-pocket maximum. Impacted members using copay cards at CVS Specialty Pharmacy will be notified via mail approximately 60 days in advance of their plan renewal.

90-Day Supplies at Retail Pharmacies

• Up to a 90-day supply of maintenance medications at retail pharmacies in Blue Shield’s Rx90 Retail network.
• Rx90 Retail network includes 99.7% of all pharmacies in Blue Shield’s broad national retail pharmacy network.
• Convenient alternative to Mail Service Pharmacy.

Coverage for infertility-related drugs

• The infertility rider will now have coverage for self-administered infertility drugs through the outpatient pharmacy benefit via a prior authorization process.
• Members can pick-up drugs from the pharmacy at the applicable formulary tier cost share (instead of navigating the current reimbursement process).
• Groups who offer the infertility rider should integrate their pharmacy benefit under Blue Shield to ensure a seamless experience when filling these types of drugs.

Benefits Solutions Discount

Employers (101-1,000 eligible employees) can save up to 3% on medical premiums when they add dental, vision, and life insurance plans to their Blue Shield medical coverage. The more they add, the more they save:

• Save 2% when adding dental plans.
• Save 0.5% when adding vision plans.
• Save 0.5% when adding life insurance.

Download the flyer for details.

COVID-19 Resources

• COVID-19 Resources for brokers and employers.
• COVID-19 Resources Broker Connection
• COVID-19 FAQs
• COVID-19 Member Resource Page
• California Coronavirus Response Website
• California Department of Managed Health Care (DMHC) FAQs
• DMHC COVID-19 Response and Guidelines
• CDC COVID-19 Testing Overview

Blue Shield Resources

• Blue Shield News Center
• Employer Connection Plus (EC+)
• Broker Communications
• Broker Connection
• Plan Comparison Tool and Network Comparison Tool
• Mid/Large Group Health Plan Documents
• Mandates
• Forms and Applications

Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.

BRI – Adapting Benefits to The Changing Workforce

While COVID-19 has pushed many companies to offer greater flexibility around where employees work, more adaptation is required to meet the needs of today’s evolving workforce. Companies must consider not just a hybrid or fully remote work model, but also their benefits package.

With home, health, and work stress mounting, employees want more support from their employers to manage the changes and stress from COVID-19. By providing that support and enhancing benefits packages with Specialty Accounts, employers can better meet the employees’ needs, attract and retain talent, and drive business recovery.

Specialty Accounts

• Can be designed to cover a wide variety of expenses.
• Allow employers to set eligibility limits, how the account is funded, and whether funds roll over, etc.
• Enable a maximum spend per person over a certain period (e.g., one month) to control costs.

Workplace Ideas Employees Will Love

Cover Employee Work Essentials

• Reimburse employees’ internet expenses. Reimburse the full bill regardless of price or set the maximum reimbursement amount to the standard cost in their area for a basic plan (e.g., $50).
• Reimburse other essential job-related expenses such as electricity and office supplies.

Design an Alternate Commuter Benefit Program 

With fewer employees commuting every day, switching to a flexible benefits provider can be beneficial with a hybrid work model. Or use a Specialty Account to cover other commuting-related expenses.

Specialty Account plan options outside the scope of a pre-tax commuter benefits plan:

• Reimburse for the cost of gas to/from work.
• Create a generalized micro-commute/last-mile program.
• Design a walk/bike to work incentive program.
• Reimburse for bicycle sharing programs.

Wellness/Well-Being

Wellness Accounts are one of the most popular Specialty Account programs, and for a good reason: a healthy workforce = reduced medical costs and higher productivity. Consider expanding beyond the standard gym/fitness reimbursement. Create a general well-being account and cover:

• Subscriptions to fitness apps (Apple Fitness, Headspace, MyFitnessPal, etc.).
• Mental health services, including mental health/therapy apps.
• Weight-loss meal delivery kits (e.g., Nutrisystem).

Meal Services

Having everyone in the office makes it easy to treat employees to something delicious. Whether it’s early-morning breakfast, sweet treats, or a full catered lunch, it’s a great way to show employees you care.

With meal delivery services, employees can choose what they want to eat and from whom. Here are some options:

• Reimburse for meal-kit services (HelloFresh, Blue Apron, etc.).
• Cover the costs of one or more food delivery platforms (DoorDash, Grubhub, Uber Eats, etc.).
• Create a small business food plan to encourage employees to shop local.
• Provide a general meal-delivery credit each month for all the above.

Adapting to the changing workforce can be easy with Specialty Accounts. To learn more, visit Benefit Resource Inc.

Contact us at 800.696.4543 or info@claremontcompanies.com for assistance when you’re ready to enroll a group in a BRI Specialty Account.

Questions?
Contact your Claremont 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.

Sign Up for Text Messaging

CaliforniaChoice July 2021 Updates

Below are the CaliforniaChoice benefit changes effective July 1, 2021:

Updates

UnitedHealthcare Silver HMO G

• Durable Medical Equipment $50 copay (deductible waived) is updated to 70% (deductible now applies).
• Hospice 100% (deductible waived) is updated to 70% (deductible now applies).
• The above updates have been reflected in the Benefit Summaries and Member Enrollment Guide July 1, 2021 – September 1, 2021, Rev. 6/8/21.

Anthem Blue Cross

• Benefit changes for the Gold PPO E, Silver PPO C, and Bronze PPO A and PPO B plans were inadvertently omitted from the Summary of Changes section of the Exciting News and Summary of Changes document.
• The above changes have been added to pages 13-16 of the Exciting News and Summary of Changes, Groups Renewing July 1 – September 1, 2021, Rev. 5/7/21.

Forms and Documents

• Updated materials are available on calchoice.com.

Note: the above changes do not affect the initial or enrollment quote, renewal quote, or employee renewal enrollment worksheet. This information will also be sent to all July through August 2021 new and renewing groups.

Start quoting CaliforniaChoice today!

Questions?
Contact your Claremont 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.

Sign Up for Text Messaging

Blue Shield – New 2021 Value-Based Medical Plan

Available on both the Tandem PPO and Full PPO networks, the new Silver PPO 2225/50 medical plan provides added support and reduced costs.

Q3-2021 Rates

• Now available through PRISM, our free and easy online quoting system.

New Silver PPO 2225/50 Medical Plan

• Added to the 2021 medical portfolio, the plan includes Value Based Benefits (VBB), and provides $0 office visits and lab tests for members with diabetes, asthma, chronic obstructive pulmonary disease (COPD), and coronary artery disease (CAD).
• Available on both Full PPO and Tandem PPO networks.
  Compare the Tandem PPO vs Full PPO network plan options.
• No deductible on Tier 1 and Tier 2 drugs.
• Any eligible member can enroll in this plan. An eligible condition diagnosis is not required.
• Download the Silver PPO 2225/50 Summary of Benefits.
• Learn about all the 2021 Small Business Plans.

Reminders

• Relaxed Participation Requirements for small businesses have been extended to December 31, 2021.
• Earn points for qualified sales with the Small Business Incentive Program (June 2021 to January 2022 effective dates). Groups written through Claremont are eligible for this program.
• Keep track of your bonus points and what you’ve earned by enrolling in the Blue Shield Producer Rewards Program.
• Blue Shield Health and Wellness programs, available to all Blue Shield members, include discounts on Fitness Your Way™ gym membership, weight management programs, health and wellness products, hearing program, vision programs, and more.

COVID-19 Resources

• COVID-19 Resources for brokers and employers.
• COVID-19 Resources Broker Connection
• COVID-19 FAQs
• COVID-19 Member Resource Page
• California Coronavirus Response Website
• California Department of Managed Health Care (DMHC) FAQs
• DMHC COVID-19 Response and Guidelines
• CDC COVID-19 Testing Overview

Blue Shield Resources

• Small Business Service Support
• Q3-2021 Sales Guide
• Blue Shield News Center
• Product Cycle Updates
• Employer Connection Plus (EC+)
• Broker Communications
• Broker Connection
• Plan Comparison Tool and Network Comparison Tool
• Small Business Plan Documents
• Mandates
• Renewal Center
• Forms and Applications

Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.

US Supreme Court Ruling Upholds The Affordable Care Act

On June 17, 2021, the US Supreme Court declined to overturn the Affordable Care Act by a 7-2 vote, rejecting a lawsuit filed by a group of Republican state attorneys general claiming that a change made by Congress in 2017 had rendered the entire law unconstitutional.

It’s the third time since 2010 that the Affordable Care Act (ACA), known as Obamacare, has survived a challenge, allowing millions to keep their insurance coverage amid the coronavirus pandemic.

This decision reversed a lower court ruling finding the individual mandate unconstitutional. However, the court did not address the question of whether a key provision in the law was unconstitutional and whether the bulk of the law could stand without a provision that initially required most Americans to obtain insurance or pay a penalty. Instead, the court held the plaintiffs do not have standing in the case, or a legal right to bring the suit.

President Joe Biden tweeted that the decision is “a big win for the American people.” Health and Human Services Secretary Xavier Becerra, who helped write the law as a member of Congress and now is responsible for implementing it, said the decision “means that all Americans continue to have a right to access affordable care, free of discrimination. More than 133 million people with preexisting conditions, like cancer, asthma or diabetes, can have peace of mind knowing that the health protections they rely on are safe.”

Millions of Americans (including nearly 6 million Californians) gained health insurance coverage as a result of the ACA, President Barack Obama’s landmark law passed in 2010. Hundreds of millions more have had their health care and coverage affected by provisions as wide-ranging as changes in Medicare drug copayments, requirements for calorie counts on menus, a pathway for approval of generic copies of expensive biologic drugs, protections for people with preexisting conditions, and a ban on lifetime caps on coverage.

The ACA, has been the subject of unrelenting Republican opposition. But Congressional attempts to repeal it have failed as well. The latest challenge threatened to undo coverage gains under the law that helped drive down the uninsured rate to a record low. Since enacted 11 years ago, the law has gained popularity and reshaped virtually every corner of American healthcare.

Former President Barack Obama tweeted “This ruling reaffirms what we have long known to be true: the Affordable Care Act is here to stay.”

Additional Resources

• The New York Times
• The Washington Post
• Society for Human Resource Management
• National Association of Health Underwriters (NAHU) Podcast
• Covered California

Questions?
Contact your Claremont 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.

Sign Up for Text Messaging

Blue Shield – Small Business Incentive Program

Earn points for every sale that qualifies for Blue Shield’s new Small Business Incentive Program (June 2021 to January 2022 effective dates) and other broker bonus programs. 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

• 100 points per member who enrolls in a Trio HMO or Tandem PPO plan as part of the initial sale.
• 50 points per enrolled medical member on all plans excluding Trio HMO and Tandem PPO plans as part of the initial sale.
• 10 points per enrolled new member in a small business dental plan.
• 5 points per enrolled new member in a small business vision plan.
• 5 points per enrolled new member in a small business life insurance plan.
• 40 points (2X bonus) per new member who enrolls in all three – dental, vision, and life.

With the just-launched 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.

Start quoting Blue Shield plans and start earning rewards!

COVID-19 Resources

• COVID-19 Resources for brokers and employers.
• COVID-19 Resources Broker Connection
• COVID-19 FAQs
• COVID-19 Member Resource Page
• California Coronavirus Response Website
• California Department of Managed Health Care (DMHC) FAQs
• DMHC COVID-19 Response and Guidelines
• CDC COVID-19 Testing Overview

Blue Shield Resources

• Small Business Service Support
• Q3-2021 Sales Guide
• Blue Shield News Center
• Product Cycle Updates
• Employer Connection Plus (EC+)
• Broker Communications
• Broker Connection
• Plan Comparison Tool and Network Comparison Tool
• Small Business Plan Documents
• Mandates
• Renewal Center
• Forms and Applications

Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.

MetLife – Unlocking Growth with Legal Benefits

In today’s benefits environment, employers are looking for ways to support their employees’ financial and emotional well-being. MetLife Legal Plans can help your clients address this challenge.

With MetLife Legal Plans Your Groups Will Get:

• Unique differentiators such as:
  – No partial coverage for most matters.
  – No time limits on how long a legal matter can take.
  – No requirements to work with certain attorneys.
• The largest network of experienced attorneys available in person, by phone, or through digital tools.
• Access to:
  – Attorney reviews to make informed choices.
  – Digital estate planning.
  – Legal advice on the go with an e-panel of attorneys to answer questions.
• Competitive and flexible plan options:
  – Divorce and reproductive assistance.
  – Credit monitoring.
  – Coverage for employees’ parents.
  – Full coverage for most matters. From the initial consultation to trial there are no additional fees.
• Easy-to-use benefits with no copays, deductibles, or claim forms, including:
  – Estate planning to real estate.
  – Identity theft.
  – Family law.

MetLife Legal Plans provide affordable and convenient legal services that add value — enhancing the competitiveness of the group’s benefits program, help recruit and retain talent, support employees’ financial and emotional well-being, and increase productivity.

When you place the MetLife application (for groups with 10-99 employees) through Claremont, your group can get a 5% discount on dental rates with just one employee enrolling in MetLaw. Some employers even pay for the MetLaw subscription for key employees in order to gain the 5% dental savings.

Learn more about the unique features offered by MetLife Legal Plans and how they’ll benefit you and your clients.

Questions? 
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.

Reliance Standard – RSL SmartChoice® Benefits

Available 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.

Key Features

• All products can be sold on a standalone basis.
• Class carve-outs are allowed on all products. You can have a different eligible class by product on the same group.
• No minimum premium requirements.
• Husband/wife and 100% family groups are eligible.
• 100% employer or employee paid at the same rates.
• No employee age restrictions or applications required (list enrollment).
• Home-based businesses on an exception basis.
• All products are guaranteed issue.

Learn more about RSL SmartChoice Small Group insurance products.

2022 MGA Leader’s Conference

Join Reliance Standard at the luxurious La Fonda on The Plaza in Santa Fe, New Mexico on May 10-13, 2022. To qualify for an invitation, write enough SmartChoice business from January 1, 2021 through December 31, 2021 to generate 70 points per the Production Qualification Point System.

For each additional 40 points your team generates, an additional invitation will be granted. Learn more about the conference and Production Qualification Point System.

Offer employers the value of RSL SmartChoice coverage and qualify for the MGA Leader’s Conference.

Questions?
Contact the small group experts at 800.696.4543 or info@claremontcompanies.com.