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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 PrismCelebrate the holiday season with friends and colleagues at the festive CAHIP Silicon Valley holiday party and toy drive. This event is the perfect chance to take a break from the busy season to socialize and get into the holiday spirit while supporting children in need by donating a new toy for Santa Clara County Sheriff’s Office gift distribution.
To learn more, contact SVAHU at 877.748.0815 or info@svahu.org. Limited seating is available. Register now.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Patricia has decades of experience in healthcare and benefits administration. Her varied roles include provider, medical group and hospital contracting, multistate network development, national recruitment/contracting of mental health providers, and creating the state’s first network of complementary/alternative healthcare providers.
Her superior bilingual skills and firsthand knowledge of the cultural issues in the Hispanic community support her understanding of underserved community groups and the brokers who serve them.
As a member of the Claremont Insurance general agency family, she is focused on bringing education, advocacy and differentiation to the agent and broker community throughout California.
Patricia and her family enjoy the beautiful surroundings throughout the state. Big Sur and Mendocino coasts are among her favorite locations to explore with beach walks and hikes in the mountains and trails on her weekends. She also enjoys serving her local community by volunteering through local agencies and her community of faith.
You can reach Patricia at patricia@claremontcompanies.com or 925.296.8817.
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The 2024 Small Group Special Enrollment Period (SEP) starts November 15, 2023.
The Small Group SEP is the opportunity for employers to enroll in coverage with a $0 contribution requirement and no minimum participation requirement (at least 1 employee must enroll). The limited application period is from November 15 to December 15, 2023, for coverage effective January 1, 2024. Learn more.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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By law, all carriers are required to offer the small group Special Enrollment Period (SEP) one time per year to allow employers to enroll in coverage with a $0 contribution requirement and no minimum participation requirement. The application period is from November 15 to December 15, 2023, for coverage effective January 1, 2024. Carrier administration of the SEP may vary slightly, including recertification at renewal.
Please note: the Special Enrollment Period is different than the relaxed participation promotions. These carrier promotions are usually offered for a specific time period and may be discontinued at any time.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Claremont is excited to welcome Rebecca Hernandez as the newest member of the Service Team. Rebecca brings with her 6 years of industry experience. Most recently she held the position of Small Business Senior Renewal Specialist with eHealth Insurance, where she provided service in all 50 states, to over 9,000 groups. “Rebecca is the perfect addition to help round out our team,” says Laura Hogsed, Service Manager. “Her experience in renewal analyzation is a great asset which will take our ability to provide wholistic service to our brokers to a higher level.”
In her spare time, Rebecca enjoys taking Zumba classes, gem collecting or listening to self-improvement books.
You can reach Rebecca at rhernandez@claremontcompanies.com or 925.296.8822.
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Employee Navigator has announced new training sessions for the Early Adopter Program. This voluntary program allows brokers to gain familiarity with Employee Navigator (EN) and will not affect your Ease subscription. Multiple brokers from your agency are encouraged to participate.
For details, visit the Employee Navigator Knowledge Base.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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We are pleased to welcome Pauline Gonzales to our Service Team as our newest Broker Service Representative. In this role, Pauline will provide invaluable support and guidance to our clients in a variety of areas such as eligibility, enrollment, support, quoting, carrier knowledge, Ease, and more.
With over six years of experience in the small business health insurance sector, Pauline brings a wealth of knowledge and expertise. She most recently served as an Employee Benefits Account Manager at AssuredPartners, where she honed her skills in cultivating long-term broker and client relationships. Pauline is fluent in Spanish and brings exceptional communication skills in supporting brokers throughout the application process.
Pauline holds a Bachelor of Science in Business Administration with an emphasis in Finance. This background gives her a holistic understanding of how to build successful, collaborative partnerships. In her spare time, Pauline enjoys cooking new recipes and spending time with her three children.
You can reach Pauline at pauline@claremontcompanies.com or 925.296.8819.
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The Internal Revenue Service (IRS) has announced the Affordable Care Act’s (ACA) health plan affordability threshold for 2024 at 8.39%, a significant decrease from the 2023 figure of 9.12%.
The threshold is used in determining if Applicable Large Employers (ALE’s) health plans are considered affordable under the ACA employer mandate. This requirement does not apply to non-ALE businesses.
This is a significant reduction in the affordability threshold. Your ALE clients should be aware of the change, and may need to make changes to their health plan’s 2024 employee contribution in order to remain compliant.
For details, visit SHRM and Woodruff Sawyer, and the IRS website.
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.
Employee Navigator (EN) is excited to announce early availability of their platform for Ease brokers interested in using EN for the open enrollment season this fall, before the full migration in 2024. While most brokers will continue to add new customers to Ease and will plan to migrate existing customers to the EN platform next summer, Employee Navigator wants to accommodate brokers who would like to begin using the EN platform now.
The training sessions will help you get a firsthand look at some basic highlights of the licensing program. All users will be required to attend an online or in-person training and complete the independent, self-paced lessons prior to these trainings. Additional training sessions will be added as needed. Remote training is anticipated to take approximately 10 hours.
Online Training Dates and Times
In-Person Training Dates and Times
Onsite 2 days (9 classroom hours + optional 4-hour lab). In-person training is limited to 100 attendees. There is a $25 processing fee for each participant. Register.
*Optional time available for individual coaching while building a group.
Employee Navigator has not begun adding Ease features to the EN platform, so some familiar features will not be available to early adopters until 2024. Therefore, it’s recommended that EN be primarily used for new groups. Key features to be added to EN include:
Additional features to be added by next summer include:
Employee Navigator’s robust infrastructure supports over 75,000+ companies and 10+ million members. They are focused on providing training to smoothly onboard brokers. Attending training and completing self-paced lessons is required prior to access.
The Employee Navigator Knowledge Base is available to post questions and view responses.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Grab your clubs and join SVAHU for a delightful day filled with excitement and philanthropy. The SVAHU Board of Directors proudly presents the 5th annual golf tournament dedicated to honoring the memory and spirit of John Bobincheck.
John Bobincheck was a vibrant member of our insurance community, known for his outstanding work at BenefitMall and Claremont Insurance Services. He also served as President of the Silicon Valley Association of Health Underwriters from 2016 to 2017.
Come be a part of this amazing event as we celebrate John’s legacy while enjoying a day of fun on the greens. Your participation not only promises an exciting experience but also contributes to a meaningful cause.
To learn more, contact SVAHU at 877.748.0815 or info@svahu.org. Register now.
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.