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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 PrismThere is a new law going into effect that will impact small employers with more than 5 California-based employees. The law is already in effect for groups with 50+ employees and will go into effect June 30, 2022 for employers with 5-49 employees.
Summary
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Present your clients with the most effective quotes and proposals by using Claremont’s new PRISM quoting educational videos.
Whether you need help onboarding new staff or learning how to use the advanced features like the multi-output option or ancillary quoting, these nine short on-demand videos will quickly get you the training you need when you need it.
Check out these short video tutorials featuring our very own Broker Service Representative Lea Torres!
To take advantage of our free online quoting system, sign in to PRISM. Or request a quote by contacting us at 800.696.4543 or quotes@claremontcompanies.com.
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We’re excited to support the CAHU Women’s Leadership Summit on March 14-16, 2022, at the Green Valley Ranch Resort & Spa in Las Vegas.
In addition to attending the Summit, we’re also sponsoring ‘Ladies Night.’ We encourage you to join us at this unforgettable and transformative event focused on empowering women leaders and look forward to seeing you there!
To learn more, visit www.Cahu.org. Register now.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Carriers are implementing the federal government’s recent mandate of at-home COVID testing. Your employer clients are likely getting questions from employees.
The details of the mandate – which we summarized previously – mean that each carrier is implementing it differently. And implementation challenges mean that the situation next week will likely be different than the situation this week.
Given this, here’s how we recommend your clients respond to questions from employees:
We’ll keep you apprised of any major updates to the mandate and carrier implementation.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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The federal government recently introduced two initiatives regarding the cost and availability of at-home COVID-19 tests. You may be getting questions from your clients. To help you, we’ve put together a summary of the impact on employers and employees:
Firstly, the federal government has launched a website – covidtests.gov – where at-home COVID-19 tests can be ordered. These tests are provided free of charge by the federal government. There’s a limit of four tests per household. Tests are expected to ship 7-10 days from the order date. Health insurance companies and group health plans are not involved or impacted in this program. More details can be found in the site’s FAQs.
Secondly, the Biden Administration has mandated, effective January 15, that health insurance companies and group health plans reimburse members for the cost of at-home over-the-counter diagnostic COVID-19 tests authorized by the U.S. Food and Drug Administration (FDA). The public announcement has been widely misinterpreted as meaning that tests would be “free.”
The reality is more complicated. The details of the mandate provide two compliance options for carriers. The cost to members of at-home COVID-19 tests will depend on the compliance option that their carrier chooses to implement. Essentially:
The number of tests covered is limited to no less than eight tests per 30-day period (or calendar month) per member.
The mandate does not apply to tests required for employment purposes. In the situation where an employer requires employees to submit COVID-19 test results as a condition of employment, the mandate does not require health plans to reimburse the cost of those tests.
As you can see, the result of the mandate is that at-home COVID-19 tests – with no out-of-pocket cost to the member – are indeed becoming more widely available. But it does not mean that all tests are provided with no copay nor does it mean that all purchases are a 100% covered benefit.
This article by law firm Morgan Lewis provides a good summary of the mandate.
Carriers are now implementing the new mandate. The challenges of implementation are well-summarized in this SHRM article. Journalists covering healthcare are also beginning to provide information to the public such as in this KQED article.
(These sources are provided for information purpose only. Health plan members should not make decisions based solely on what they read in the news.)
Currently, here are the best ways for individuals and families to obtain at-home COVID-19 tests:
We will update you with more information as the carriers announce their implementations of the mandate.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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By law you must now disclose your compensation to nearly all your business clients. The Broker Compensation Transparency Rule became effective December 27, 2021.
To help you confidently navigate the new Rule, we’ve created a Broker Compensation Transparency Rule (BCTR) Guide.
With our Guide you’ll learn:
Along with our BCTR Guide, you’ll receive a Compensation Schedule that you can use when disclosing compensation to your clients. Together the Guide and Compensation Schedule will give you a great head start on the road to complying with the BCTR.
BCTR Guide and Compensation Schedule
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Christmas
New Year’s
Allied Benefit Suite (ABS)
BASIC
Beam
Blue Shield
BRI
CaliforniaChoice
ChoiceBuilder
Cigna + Oscar
Covered California
Delta Dental
Humana
LandMark
MetLife
Principal
They may close a couple of hours early prior to the holiday time off depending on the workload.
Reliance Standard
Sterling Administration
Not confirmed.
TASC
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Be prepared for the new broker compensation disclosure requirements coming into effect next month. NAHU has created an excellent Resource Center to help.
The Resource Center Includes:
Access the NAHU resources.
Not a NAHU member yet? Join today.
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.
NAHU will be hosting another Compliance Corner webinar covering the impending Broker Compensation Transparency Rule. If you’re not sure what this is or have questions, this is the webinar for you. It is scheduled for Thursday, November 18th at 10:00 am PT. It will address your questions and concerns, along with other timely compliance topics like vaccine requirements. Register here.
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.
Many of your small business clients and prospects are struggling to retain their employees. It’s a trend being called the “Great Resignation.” Workers are quitting their jobs in record numbers: 2.9% of private sector workers quit in August, the highest rate on record. There are many contributing factors, but the trend is impacting most employers.
Now more than ever, your clients need your help in implementing benefits packages crucial to retaining talent. Provide them with the resources that help them understand the “Great Resignation” trend, cut through the noise, and prepare a response.
US Bureau of Labor Statistics
Industry Surveys and Reports
Recent News Articles
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.