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Covered California for Small Business –
New Blue Shield Plans

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.

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Industry News

Archive for the ‘Industry News’ Category

Ease Innovation Conference EIC20

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Register to attend the exclusive EIC20 two-day digital conference that will feature a combination of live-streamed sessions, virtual trade show booths, one-on-one networking, and access to Genius Hall – where you’ll see new features and learn best practices from Ease experts.

This immersive interactive experience (not a webinar) is free and will include a Q&A and live chat with subject matter experts.

What to Expect

Event Details

Register Now!

 

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

 

HR Resources from Claremont’s Trusted Partners

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For clients that need assistance resolving HR issues, offer the expertise of our trusted HR partners Mammoth HR and HR Service, Inc.

Mammoth HR (with Think HR) has made their Coronavirus materials available free to all employers. Visit their COVID-19 Crisis Response Center for essential employer resources such as their COVID-19 HR Guidance and Best Practices recorded webinar, a summary of the new Families First Coronavirus Response Act, and sample HR policies that employers can adopt.

HR Service, Inc. has created a COVID-19 Employer Toolkit to help employers navigate the Coronavirus challenges. Resources include a Families First Coronavirus Response Act Q&A, advice on remote working and telecommuting, information on all aspects of reductions in force, and more.

Preferred pricing for both Mammoth HR and HR Service, Inc. is available to brokers referred by Claremont. For details, contact us at 800.696.4543 or info@claremontcompanies.com.

 

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

 

 

Carrier Travel Assistance Programs

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Most of your clients’ employees are currently sheltering-in-place. But some employees may still be traveling for work under the “essential business” or “essential service” provisions of the current shelter-in-place orders. To help these clients, advise them about carrier travel assistance programs that may be available, either through their existing lines of coverage or through additional lines of coverage they may want to consider.

Carrier Travel Assistance Programs typically provide emergency assistance to members while traveling and can include:

Carrier Travel Assistance Programs

Allied Benefit Suite
Allied Benefit Suite’s Personal Protection Plan includes Global Emergency Assistance. Even when employees are away, they can have an extra layer of protection. When enrollees are traveling more than 100 miles away from home or in another country, this feature provides services from Assist America that include medical consultation, emergency medical evacuation, medical repatriation, prescription assistance, and more.

Eligibility

Available as a group product (2-99 eligible employees) with either a new or existing Delta Dental plan.

Allied Benefit Suite Personal Protection Plan Product Sheet and Brochure


Blue Shield
Employees and dependents have access to the Travel Assistance Program provided by AXA as part of their Life Insurance Plan with Blue Shield of California. This program offers a broad range of worldwide travel and medical assistance services 24 hours a day, 365 days a year. With one simple phone call to AXA’s response center, members will be connected to a global network of providers to assist them when away from home.

Eligibility

Available as a group product (2-100 eligible employees) with employer-paid Basic Life coverage – included as a value-add feature.

Blue Shield of California/AXA Brochure


MetLife
Included with MetLife insurance coverage is access to Travel Assistance services (administered by AXA Assistance USA, Inc.). A unique program where employees and covered family members can contact AXA representatives to administer emergency medical, travel, and personal assistance services on the member’s behalf wherever they are in the world.

Eligibility

MetLife Travel Assistance Brochure


Principal
Employees, spouses, and children have access to travel, medical, legal and financial assistance, plus emergency medical evacuation benefits provided by AXA Assistance when traveling domestically or internationally more than 100 miles from home for up to 120 consecutive days.

Eligibility

Principal Travel Assistance Brochure


Reliance Standard
When traveling more than 100 miles from home or in a foreign country, Travel Assistance Services provided by On Call International offers employees and dependents pre-trip assistance, emergency medical transportation, emergency personal assistance, and medical assistance 24 hours a day, 365 days a year.

Eligibility

Available as a group product (10+ eligible employees). Included in employer-paid Basic Life coverage and with Long-Term Disability coverage.

Reliance Standard Travel Assistance Brochure


UnitedHealthcare-Logo
When traveling, the UnitedHealthcare Global Assistance Program provides employees and dependents medical and travel assistance services worldwide, 24-hours a day. It includes medical assistance, travel assistance, and worldwide destination intelligence.

Eligibility

UnitedHealthcare Travel Assistance Brochure


Contact Claremont to include Travel Assistance Programs in your next quote.

 

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

 

10 Answers for Employers Navigating the Coronavirus

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To answer a growing number of employer questions about the Coronavirus, manage the unprecedented challenges, and adapt to the circumstances ahead, Mammoth HR (a Claremont HR partner) has put together a FAQ based on employer’s questions.

Get the Coronavirus employer FAQs and learn more about Mammoth HR, including preferential pricing available through Claremont.

 

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


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How Small Businesses Can Leverage Benefits to Recruit Top Talent

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With today’s tight labor market and record-low unemployment numbers, job candidates have a lot of attractive work opportunities to choose from. This means employers of all sizes are often battling to attract the best talent, making it extremely challenging for small and medium-sized businesses (SMBs) to compete.

In a workers’ market, salaries rise and larger companies get creative in offering employee benefits most smaller companies can’t compete with, such as working remotely, office lunches and on-site chefs, reimbursed mobile devices and more. However, SMBs can also get creative by strategically adjusting their benefits to remain competitive.

To differentiate themselves and attract top talent, SMBs need to understand what candidates are looking for and rethink their benefits offerings. Instead of prioritizing lavish “fun” perks, they need to evaluate the needs of their staff to make sure they’re providing the benefits employees find most valuable.

Average Number of Benefits Offered, by Business Size

According to data from the Society for Human Resource Management’s (SHRM’s) 2019 Employee Benefits survey, companies are conducting extensive research on their specific employee demographic to find a unique benefits package that resonates with the majority of their employees’ needs and life stages.

For most employees, healthcare and financial benefits such as medical and dental insurance, 401k contributions, vision care, life insurance, etc., are must-haves. However, only 49% of the US population receives employer-paid dental insurance, according to the Kaiser Family Foundation. That leaves roughly 155 million+ people to pay full price for their dental care.

Finding gaps in priority benefits, such as dental insurance, and diversifying benefits offerings present an opportunity for SMB employers to stand out and have the greatest appeal to candidates and employees with a variety of needs. And, with new technology providing alternative benefits offerings to employers of all sizes, SMBs now have tools available to them to start providing these benefits to fulfill the needs of their current employees and attract new talent in the process.

Win more sales by helping your small businesses strategically leverage benefits to attract and retain top talent.

 

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

 

Broker Commission Schedules by Carrier

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Click on the carriers below to view their commission schedule for 2017:


Blue Shield Broker Commissions 2017

Blue Shield Specialty Products: 10%
Download the Blue Shield Commission Schedule.


Commission Schedule Chinese Community Health Plan

*When annualized premium for a single group reaches $500,001 or more in a contract year, the commission is reduced to 1.0% for amounts over $500,001 for that group.


Covered California for Small Business

CCSB Commission 2018

The sole factor to determine the applicable commission schedule for all groups is the number of enrolled employees in the employer group at the time the employer group enrolls in coverage through Covered California for Small Business.


UHC commission schedule 2017

For Specialty Benefits Commissions download the Schedule.

Please Note:
• The enrolled employee count is re-evaluated at each renewal.
• Existing cases that have effective dates before January 1, 2016, will remain on the commission schedule that is in effect as of their original effective date.


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

 

PRISM Enhancements

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You will find several new features that improve and simplify the quoting process the next time you log into PRISM (our no-cost) quote service, or work with our expert quoting team. These enhancements will expedite the quoting process, and provide more options to illustrate benefit and price comparisons for your clients. Contact our quoting team with any questions or for help taking advantage of these new features.

Now You Can Easily

New Features*

Proposal Options Page
Under Group Information, you can select Census or Census Including Dependents.

Proposal Page - Group Information

Then easily verify the subscriber and dependent information.

Group Medical Proposal

Use the new filters to quickly view and select medical, dental and vision plans.

PRISM Medical Filters

PRISM Dental Filters

PRISM Vision Filtrers

Employee Worksheet ACA Section
Under Benefit Details, choose Include as part of Employee Worksheet to view a comparison of selected plans by price and benefits (a snapshot instead of a full list of benefits will be provided).

Worksheet with ACA

New Employee Worksheet(s)

EE Worksheets

Check out the new features* in PRISM and start quoting your groups today!
To get a PRISM account login and password, contact us at 800.696.4543 or quotes@claremontcompanies.com.


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

 

*New features are outlined in red on each image.

 

In our library, you’ll find carrier forms, applications, enrollment kits, broker bonuses, marketing resources, and more (video tutorial). However, not all carrier forms are available online.

If you don’t find what you are looking for, contact our team for help at 800.696.4543 or materialsrequest@claremontcompanies.com.