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Big News! Health Net is Now Available Through Claremont Insurance!

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

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Does an employer with Medicare-eligible individuals have a creditable coverage disclosure obligation?

Yes, there are two reporting obligations:

  • The employer must annually (or when a plan’s prescription drug benefit changes) notify Medicare-eligible individuals as to whether the prescription drug benefit in the plans it offers are creditable or non-creditable.
  • The employer must annually disclose to the Centers for Medicare and Medicaid Services (CMS) the creditable status of the plans offered to Medicare-eligible individuals.

There is a potential financial cost to Medicare-eligible individuals covered by non-creditable plans for longer than 63 days, so it is important for employers to disclose the creditable status to affected individuals.

Resources – This CMS Creditable Coverage web page provides information on the employer’s requirement, describes who is considered a Medicare-eligible individual, and includes links to forms and disclosure model notices that can be used by employers.

The Society of Human Resource Management (SHRM) provides an excellent summary of an employer’s responsibility for disclosing their creditable/non-creditable coverage to CMS and to Medicare-eligible individuals.

There may be a more recent answer to this question. Contact Claremont for an update.