If an employee is enrolled in medical and ancillary coverage under a family plan, do the employee's dependents have to enroll in the same coverages?

PRISM Login

To access the carrier product and rate information provided by PRISM, check the box below indicating you have read and agree to the license agreement. A button will then appear to access PRISM.

This site uses cookies to track your agreement option. If the terms of the license agreement change or if you clear the cookies from your browser, this page will appear once again during the PRISM login process.

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

Home »Frequently Asked Questions »If an employee is enrolled in medical and ancillary coverage under a family plan, do the employee’s dependents have to enroll in the same coverages?

If an employee is enrolled in medical and ancillary coverage under a family plan, do the employee’s dependents have to enroll in the same coverages?

At Claremont Insurance Services the three carriers that we represent which offer both medical and ancillary plans differ as to what they will permit as follows:

Blue Shield of California – Does not require dependents to have the same coverage as the subscriber.
Covered California for Small Business – Requires dependents to have the same coverage as the subscriber.
UnitedHealthcare – Requires dependents to have the same coverage as the subscriber.

It is our understanding that a carrier’s decision in this matter is driven more by system capabilities than legal or regulatory interpretation. In other words, the carriers don’t know of any legal or regulatory reason why a dependent would be barred from choosing to enroll or waive regardless of what the subscriber decides.

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