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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 PrismEffective June 1, 2024, Humana is now offering short-term and long-term disability plans for California-based groups. These plans are currently available for quoting and provide comprehensive financial protection for employees who may be unable to work due to illness, injury, or disability.
Recognizing that most people cannot afford a prolonged loss of income, these disability plans are designed to help cover daily expenses, allowing employees to maintain financial stability and focus on their recovery.
Humana’s disability plans prioritize employee well-being, are easy to use, and provide comprehensive income protection, making them a valuable addition for employers looking to enhance their employee benefits.
To learn more, download these Humana guides:
And take advantage of Humana’s 2024 Group Benefits Growth Bonus to earn more in 2024.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Delta Dental’s recent expansion of the pediatric dental coverage age limit under DeltaCare® USA plans represents a significant opportunity for you and your employer groups. By extending pediatric dental coverage to children through the age of 13—up from the previous limit of 7—Delta Dental not only demonstrates its commitment to family health that goes beyond the industry standard but also gives you a stronger benefits package to offer employers. And it allows employers to provide comprehensive dental care for their employees’ children fostering a healthier workforce and attracting top talent.
Why the Higher Age Limit Matters
Having dental care from a young age is crucial as kids’ baby and permanent teeth develop. Most children lose their last baby tooth around 12 years old. Allowing kids to see the same dentist through age 13 gives them consistent, comfortable care during this important time.
By embracing these enhanced plans, you can differentiate your offerings, while employers can improve their benefits packages, leading to happier, healthier employees and families. To learn more, visit Delta Dental.
Plus, now you can earn more with the Delta Dental Broker Rewards Program.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Recognizing the direct correlation between financial well-being and health, Delta Dental has introduced the Healthcare Spending Card, a new approach to managing dental and healthcare expenses. This card offers employees a more accessible and convenient way to finance their healthcare needs with:
An excellent tool to make employee benefits more attractive, the Healthcare Spending Card is easy to use, and employers can add it to their benefits package at any time of the year with no contract, ongoing file sharing or integration (and no credit risk).
Despite the availability of dental insurance, financial barriers often deter individuals from seeking necessary dental care. The Healthcare Spending Card aims to remove these barriers, making it easier for people to get the dental care they need. By incorporating the Healthcare Spending Card into their offerings, your clients can play a pivotal role in promoting a healthier, financially secure workforce. Learn more.
Plus, now you can earn more with the Delta Dental Broker Rewards Program.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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With Beam’s short-term disability plans, powered by The Hartford, you can easily offer employers flexible, best-in-class comprehensive disability coverage. Available for California groups of 10+ eligible employees, these guaranteed issue plans offer members financial support with payments starting as soon as the first day of disability for up to 26 weeks.
To learn more, visit Beam Benefits and download these flyers:
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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As one of the few Employee Assistance Programs (EAPs) that serve small employers, The Holman Group provides comprehensive and cost-effective behavioral health and substance use services to enhance employee well-being and performance.
Check out their orientation and regular webinars and videos for employees on parenting, nutrition, finances, and more.
By incorporating The Holman Group EAP into their benefits package, employers can facilitate early intervention for personal and work issues, reduce healthcare costs and absenteeism, minimize turnover, and boost work satisfaction. The EAP can be offered as a standalone benefit or seamlessly integrated with other mental health and substance abuse programs, ensuring a holistic approach to addressing employee needs. Learn more.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Article last updated: March 19, 2024.
Most of your clients likely have upcoming deadlines under the federal prescription drug benefits reporting (RxDC) requirements. Here’s a summary of the requirements, how carriers are helping, and the deadlines.
Under Section 204 of the 2021 Consolidated Appropriations Act (CAA), insurance companies and employer-based health plans must submit information regarding prescription drug benefits and health care spending. The information must be submitted to the Centers for Medicare and Medicaid Services (CMS) by June 1st of each year for the prior year’s coverage.
According to the CMS, the information that is required to be submitted by insurance companies and employers are:
Blue Shield will collect D1 Premium information from groups between February 5, 2024 and April 19, 2024. Blue Shield will also submit D2 for all groups and D3-D8 for groups with prescription drug benefits under a Blue Shield health benefit plan, and P2 accordingly. If a group does not have prescription drug benefits with Blue Shield, they should coordinate submission of D3-D8 with their pharmacy/prescription drug benefits carrier, and P2 accordingly.
Key Details
Other Details:
Information Requested
Due to technical issues on their end and updated guidance from CMS about the 2024 submission, below are revised dates:
UnitedHealthcare will complete the CAA Prescription Drug (RxDC) reporting for its fully insured and self-funded/level funded groups, including those with OptumRx as the integrated PBM. However, groups with these will need to complete the Request for Information (RFI) tool for RxDC reporting between February 1, 2024, and March 31, 2024. The March 31, 2024, deadline is firm.
To support its customers with this important filing, UnitedHealthcare will be submitting the P2 (Group Health Plan), D1 (Premium and Life Years) and D2 (Spending by Category) files for all employers who had active coverage during the reference year (2023). However, completion of the submission requires gathering some information not currently maintained in their system.
UnitedHealthcare will also submit the D3-D8 data files for customers with OptumRx as an integrated PBM. UnitedHealthcare has access to all data required to complete the submission of the D3-D8 data files. Customers who use any other PBM, including OptumRx Direct, must work with that PBM to submit the D3-D8 files.
Resources
Kaiser Permanente is required to submit information on prescription drugs and healthcare spending to CMS. On February 1, 2024 Kaiser Permanente began to send out a survey form from Kaiser-Permanente-RxDC@kp.org to all contract signers to request this information. The form must be completed by March 15, 2024.
Information Requested
Kaiser Permanente plans to submit all applicable reports and required responses for all employer groups to CMS by the June 1, 2024 deadline.
Employer groups must submit information to Sutter Health Plus regarding the average monthly premiums paid on behalf of enrollees and the amount paid by enrollees each year.
For calendar year 2023 reporting, employers or brokers are to submit the required information through the online Premium Reporting Form.
Submissions are due no later than March 1, 2024.
Cigna is reporting on behalf of Cigna + Oscar groups, so no action is required by employer groups or brokers.
Covered California for Small Business (CCSB) serves as an administrator of their participating Health Plan Issuers and is not an insurance company nor an employer-based health plan. Therefore, CCSB is not subject to RxDC data collection requirements on behalf of their employer groups. Claremont recommends that the employer follow the reporting guidelines for the enrolled carrier(s).
CCSB Resources – CCSB’s Small Business Service Center is available to help with questions at 855.777.6782.
CaliforniaChoice serves as an administrator of their participating Health Plan Issuers and is not an insurance company nor an employer-based health plan. Therefore, CaliforniaChoice is not subject to RxDC data collection requirements on behalf of their employer groups. Claremont recommends that the employer follow the reporting guidelines for the enrolled carrier(s).
The carriers are taking action to support your clients with the federal reporting requirements. In order to do so, they require information from each employer group. Look out for emails directly from the carriers, and follow their instructions. If you or your clients have questions, we can help direct you to the right contacts at the carriers.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Earn additional compensation for selling and retaining eligible groups of 2-99 lives by enrolling in Delta Dental’s Small Business Broker Rewards Program at ddsbrewards.com.
Retain at least 92% of your book of business through 2024 and meet a new sales reward level. If you do both, you’ll earn a bonus for each. If you’re new to Delta Dental, your new sales alone will qualify.
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 2024. As you sell more and retain your existing business with Delta Dental, your rewards grow. And this program is in addition to your existing standard small business commission.
Sign up for the rewards program and access the small business broker rewards dashboard to easily track your reward earnings. Brokers who have joined in previous years just need to log in to be eligible for additional compensation in 2024. To learn more, download the flyer.
Delta Dental Broker Rewards Program
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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We’re proud to sponsor the CAHIP-GG Symposium focusing on “Transforming Organizations and Culture.” This year’s event combines insightful presentations, invaluable continuing education opportunities, and vendor showcases.
Don’t miss this opportunity to meet the Claremont team in-person at our exhibition booth. To learn more, visit cahip-gg.org or contact CAHIP-GG at 800.488.2506, nathan@camgmt.com or info@ggahu.org. Register today.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Earn more in 2024 with Humana’s broker bonus programs.
Intended for specialty lines of coverage of all sizes, the Humana 2024 Group Benefits Growth Bonus (formerly known as the Specialty Growth Bonus) is paid once annually, within 60 days after the January 31, 2025 program end date.
Bonus Program Highlights
Eligible Products
The 2024 Group Benefits Growth Bonus qualifications remain the same as the 2023 Specialty Growth Bonus. To learn more, download the Group Benefits Bonus flyer.
Sell a Bundle, Earn a Bundle! To earn a bonus, sell a new Humana dental line of coverage with at least one additional Group Benefits line of coverage with the same employer group with an initial effective date of coverage between April 1 and September 1, 2024.
Group Benefits Lines of Coverage
To learn more, download the Dental Bundling Bonus flyer.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Effective January 1, 2024, and announced last year, Blue Shield of California transitioned its vision plan administration from MES to EyeMed following EyeMed’s 2020 acquisition of MES. This change was seamless for members, who were automatically moved to EyeMed’s network regardless of renewal date.
With EyeMed, members have the same vision benefits and access to an extensive network of independent eyecare professionals, popular retail chains like LensCrafters and Target Optical, plus online options. Check out the Blue Shield FAQs and Blue Shield Access Vision Network flyer for details on accessing EyeMed’s exceptional vision care and products.
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.