Cigna + Oscar Underwriting Advantages

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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.

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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Covered California for Small Business – New Blue Shield Plans

Cigna + Oscar Underwriting Advantages