To access the carrier product and rate information provided by PRISM, check the box below indicating you have read and agree to the license agreement. A button will then appear to access PRISM.
This site uses cookies to track your agreement option. If the terms of the license agreement change or if you clear the cookies from your browser, this page will appear once again during the PRISM login process.
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 PrismThe Q2-2023 Small Business Index by MetLife and the U.S. Chamber of Commerce shows significantly improved future expectations for small businesses. The increased optimism, especially regarding record high staffing plans and revenue growth, has driven an overall rise in the Index score.
For details about the Small Business Index, download the MetLife flyer and visit the U.S. Chamber of Commerce.
Now, more than ever, it’s crucial for your small business clients to offer a competitive health benefits package to attract and retain employees.
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.
Blue Shield of California continues to offer your small group clients comprehensive, connected coverage that puts employees first. Here’s a summary of the updates to prepare for Q4.
Q4-2023 Rates
Q4 Renewals
Medical and Dental Plans
There are no changes to Blue Shield’s medical and dental plan portfolios from last quarter. For details or for a listing of medical plans offered for 2023, please refer to the 2023 Medical Plans at a Glance. To learn more about specialty plans for 2023, please refer to the Q4 Specialty Sales Guide.
2024 Vision Network Change
EyeMed will be the new vision network provider, replacing MES Vision for groups and members in 2024. Details about the transition will be forthcoming.
Small Business Incentive Program
Renewal Rewards Program
Blue Shield increased the points earned for every new membership in Tandem PPO and Virtual Blue PPO plans. You can earn:
Bundled Saving Program
The 10% specialty discount is a perpetual program that is applied when a dental and/or vision plan is added to a new or existing small business medical group.
Relaxed Participation Promotion
The Relaxed Participation Promotion was extended through December 31, 2023.
More information and plan summaries can be found in Blue Shield’s Q4-2023 Medical Sales Guide and Specialty Sales Guide.
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.
A reliable and extensive dentist network is essential for quality dental care and cost-effective access to in-network services. Delta Dental offers a distinct advantage in this regard, boasting the largest proprietary dentist network in the nation. As of September 2021, Delta Dental’s combined Dental Dental PPO™ and Delta Dental Premier® networks feature over 155,000 unique dentists.
Unlike many competitors, Delta Dental directly contracts with its dentists and does not rely on leased networks from other carriers. Delta advocates that direct contracting mitigates these disadvantages of leased networks:
Delta Dental contracts directly with dentists and see many advantages in cost and quality of care for your clients in this approach. Get the details.
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 more employees returning to the office, the demand for commuter benefits is increasing as commuting to work becomes a regular part of employees’ routines. Offering commuter benefits can provide a valuable incentive for employees, helping them manage the costs associated with their daily commute while promoting their overall well-being.
Commuter benefits provide tax savings of 30% or more, easing the financial burden of daily commuting. By setting aside pre-tax funds, employees can save significantly (as much as $1,500 annually for both mass transit and parking), enhancing their job satisfaction and productivity.
Eligible expenses covered by commuter benefit programs typically include both pre-tax mass transit and pre-tax parking. The Benefit Resource commuter benefit card provides universal access to transit providers throughout the United States ensuring flexibility for employees with extended commutes or multiple modes of transportation.
Flexibility is crucial as commuting patterns change due to staggered work hours, remote work arrangements, or other factors. Programs allowing adjustments based on their schedule and their needs, and rollover of unused balances reduce stress and ensure employees maximize their benefits.
By offering commuter benefits, your clients can help their employees better manage the increasing demands of commuting to work, alleviate financial strain, and enhance their job satisfaction. Learn more.
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.
Tens of thousands of California small businesses have at least some employees enrolled in Medi-Cal. The unwinding of Medi-Cal continuous coverage is not only affecting the disenrolled members. It is also impacting the small businesses that employ many of them. These businesses rely on a healthy and productive workforce to thrive and, in the face of this disruption, they are looking to experts like you for guidance and support.
Here’s the impact on California businesses by the numbers:*
For these employees, enrolling in their company’s health plan may be the best, or indeed the only, affordable option for health coverage following their loss of Medi-Cal benefits.
This disruption presents a unique opportunity for you to deepen your relationships with existing clients, attract new customers, and expand your business. We believe that with proper preparation and resources, you can turn this challenge into a catalyst for growth.
Schedule a 15-minute briefing with us to discuss in more detail the potential impact on your clients, the opportunity this presents for you, and the resources and services that Claremont has developed to assist you during this transition.
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.
*Estimates from the U.S. Department of Health and Human Services and the California Department of Health Care Services.
Effective July 1, 2023, CaliforniaChoice has expanded its portfolio to include an Anthem Blue Cross full network Platinum PPO plan. The newly introduced Platinum PPO A plan offers access to the full statewide Prudent Buyer PPO network. The plan is also available to out-of-state employees. For details, download the Q3 Benefit Summaries brochure.
Rates are now available for quoting through PRISM, our free and easy online quoting system.
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.
Join Beam Benefits, on June 21, 2023 at 11:00 am, for a special one-hour livestream event featuring the latest innovations revolutionizing employee benefits.
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.
Effective July 1, 2023, Covered California for Small Business (CCSB) is adding two of Blue Shield’s most popular high deductible health plans (HDHPs) to its portfolio:
Both plans feature the Full PPO network. The deductible and out-of-pocket maximum are the same in both plans. And, there are no additional costs to the member after the deductible is met.
The recently announced large increases in HSA contribution limits for 2024 are likely to generate even more interest in HDHPs and HSAs. Now is a good time to discuss these new plan options with your clients and prospects.
In addition to California’s most comprehensive access to doctors and hospitals, CCSB health plans offer choice and control, with:
As a trusted CCSB partner since its 2014 launch, we are a 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.
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.
The Internal Revenue Service (IRS) has announced a notable increase in the contribution limits for Health Savings Accounts (HSAs) for 2024, a change that will offer greater flexibility for small businesses, their owners, and their employees.
The annual HSA contribution limit for individuals with self-only High Deductible Health Plan (HDHP) coverage will rise to $4,150, marking a significant increase from the $3,850 limit set in 2023. Similarly, the limit for individuals with family HDHP coverage will increase to $8,300, up from $7,750 in 2023.
In a significant milestone, 2024 marks the first instance where an older married couple, both aged 55 or over, will be allowed to contribute more than $10,000 to their HSAs. This development is made possible by the combination of the increased standard contribution limit and the continuing ability for those aged 55 or older to contribute an extra $1,000 per person. This means that in the last 10 years leading up to retirement, a couple could potentially accumulate more than $100,000 in their HSAs.
The chart below shows a comparison of the 2024 versus the 2023 amounts. Get the details.
Get Help with HSA Administration
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.
To earn a bonus, sell a new Humana dental line of coverage with at least one additional specialty line of coverage with the same employer group and the initial effective date of coverage between July 1 and December 1, 2023.
Specialty Lines of Coverage
To learn more, download the Dental Bundling Bonus flyer.
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, 2024 program end date.
2023 Enhancements
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.