Cigna + Oscar Underwriting Advantages

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PRISM - Health Net is Now Available Through Claremont!

Why Choose Health Net?
✔ Lowest rates in the market – Affordable options without compromising quality.
✔ Robust PPO network – Competes with major carriers like Anthem and Blue Shield.
✔ Flexible HMO options – Networks to fit nearly every group statewide and every budget.
✔ Simplified underwriting – Only 25% participation required for groups with 5+ enrolling. No DE9C or prior carrier bill needed.
✔ Easy-to-sell benefits – $0 deductible HMO plans + four years of rate stability.
✔ Nationwide coverage – Cigna network access for out-of-state employees + state plurality rules for group qualification.

Start Including Health Net in Your Quotes Today!
Need guidance on networks, plan designs, or have questions? We’re here to help!

Call us at 800.696.4543 | Email us at info@claremontcompanies.com.

Aug 22, 2022, 2 Minute Read

With simple and clear underwriting rules, Cigna + Oscar (C+O) makes it easy for you to understand which of your clients are eligible for their plans. And the C+O rules are designed to make it easy for employers and employees to choose the coverage that best meets their needs.

C+O Underwriting Advantages Include:

No DE 9C for 3+ enrolled.
Only one enrolling employee must live within the C+O service area.
Best slicing rules written alongside other carriers – three employees must enroll with C+O (only one must be in the California service area).
Flexible payroll requirements for startups.
Employers can select up to four plans to offer employees. Plus, there are no restrictions on a combination of plan options including metal tiers.

Reminders

With Cigna + Oscar, your groups get quality care and all of these (EPO) plan features:

No referrals required to see a specialist.
Access to Virtual Urgent Care, available 24/7 with a $0 copay via the Oscar app.
Personalized Care Teams to help members manage their care.
Savings on prescriptions with Express Scripts and easy prescription refills via the Oscar app.
Access to Cigna’s behavioral health network for mental health resources.
Step-tracking rewards (up to $100 per year).

With rates comparable to Kaiser, and networks that include Dignity Health, UCSF, Stanford, and Sutter, Cigna + Oscar brings together the power of Cigna’s nationwide and local provider networks, and Oscar’s member-focused tech-driven experience, to deliver small group health insurance that meets the unique needs of California small businesses and their employees. To learn more about Cigna + Oscar, view our web page.

Contact us today for a Cigna + Oscar quote.

Get a Quote

Note: to enroll your groups, you will need to have an appointment with Cigna. Check out the Cigna + Oscar Appointments Guide for full instructions.

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

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