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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 PrismHelp small businesses with their return-to-work plans, protect their employees, and provide guidance and support with answers to their most commonly asked questions. View additional FAQ topics.
California's "Blueprint for a Safer Economy"What is California’s “Blueprint for a Safer Economy”?
On August 28 Governor Newsom announced details of a new color-coded statewide system for businesses reopening called “Blueprint for a Safer Economy.“
Each California county falls into one of four colored tiers, with specific rules for businesses reopening:
The San Francisco Chronicle and Los Angeles Times both have helpful articles explaining the new system.
Helpful Resources
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What types of businesses are currently permitted to reopen?
Both the LA Times and SF Chronicle publish helpful guides on the status of business reopening across the state. Many local Chambers of Commerce also provide up-to-date information. Both the US Chamber of Commerce and California Chamber of Commerce publish directories of local Chambers of Commerce.
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Carrier ResourcesAre carriers providing guidance for reopening and returning employees to work?
Yes. Here are helpful carrier guides for reopening and returning employees to work:
Humana
Kaiser Permanente
UnitedHealthcare
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HR ComplianceWhat resources are available to help employers stay HR compliant?
Claremont partners Mammoth HR (with Think HR) and Paylocity both have very helpful resources to help HR and Payroll teams stay compliant as their business re-open and they return employees to work:
Mammoth HR (with Think HR)
Paylocity
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Health BenefitsAs they return their teams to the workplace, employers want to ensure that employees remain healthy, secure and productive. The health benefits they offer their employees can help. Employers should communicate the value of their benefits to returning employees, and should consider adding these if not part of their current offering:
Each of your client’s needs is situational. Contact us for assistance in evaluating the benefits offerings that best meet their needs.
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Employers should ensure that employees are aware of the enhancements to benefits and coverage that carriers have introduced in response to COVID-19:
Most carriers’ COVID-19 enhanced benefits have expiry dates. Employers should ensure that employees are aware of these. Our COVID-19 Carrier Response Guides provide a helpful summary of each carrier’s actions in these areas.
Employers should also communicate to employees the benefits currently available to them and how best to use them, including:
Most carriers are providing helpful resources for members on coverage and access to care. (e.g. Blue Shield, UnitedHealthcare)
Employers may want to consider additional benefits to help employees, including emergency response benefits such as Section 139 accounts.
Employers will want to ensure any recent and upcoming changes to benefits are made in a compliant manner. For example:
Benefits compliance concerns will largely be situational. Contact Claremont for assistance.
Claremont Insurance Services and its affiliates do not provide tax, legal or accounting advice. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or accounting advice. You should consult your own tax, legal and accounting advisors before engaging in any transaction.
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Returning Employees to WorkWhat return-to-work checklists are available for employers?
Here are some checklists published by credible industry organizations:
COVID-19 Back-to-Work Checklist (Society for HR Management, SHRM)
Return to Work Checklist (Think HR)
Return to Business and Post-Pandemic Planning Checklist (Seyfarth Shaw)
COVID-19: Return-to-Work Checklist (Fenwick & West)
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Which California counties are permitted to reopen at a faster pace than others?
On May 4 Governor Newsom announced the state’s plan to gradually reopen businesses. California is currently in Stage 2 – the limited reopening of lower-risk businesses that began May 8, 2020.
Some California counties have received State approval to move faster into Stage 2. A list of the counties with approval can be found here.
As of May 25, the counties with approval to move faster into Stage 2 are:
Alpine, Amador, Butte, Calaveras, Colusa, Del Norte, El Dorado, Fresno, Glenn, Humboldt, Inyo, Kern, Kings, Lake, Lassen, Madera, Mariposa, Mendocino, Merced, Modoc, Mono, Napa, Nevada, Orange, Placer, Plumas, Riverside, Sacramento, San Benito, San Bernardino, San Diego, San Joaquin, San Luis Obispo, Santa Barbara, Shasta, Sierra, Siskiyou, Solano, Sonoma, Stanislaus, Tehama, Trinity, Tuolumne, Ventura, Yolo, and Yuba-Sutter.
On May 18, Governor Newsom announced relaxed criteria for counties to move more quickly into Phase 2. It’s expected that many more counties will shortly join the above list. Check back for updates.
In addition to the state-wide list of business types that can open in Stage 2, these business types can open in counties that have received approval to move faster into Stage 2:
Helpful Resources
California Coronavirus (COVID-19) Response:
LA Times: Which California counties are reopening. A very informative section on the status of business reopening by county.
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Workplace SafetyWhere can an employer find industry-specific reopening guidance?
The California state government provides guidance for these industries:
The US Occupational Safety and Health Administration (OSHA) provides guidance for specific worker groups and their employers:
The US Centers for Disease Control and Prevention (CDC) has guidance for the following industries:
and Health and Safety Steps for Specific Occupations:
The US Food and Drug Administration (FDA) has published Best Practices for Retail Food Stores, Restaurants, and Food Pick-Up/Delivery Services.
The American Industrial Hygiene Association (AIHA) maintains industry-specific guidance for businesses to safely reopen:
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Where can an employer find a consultant to help them?
The American Industrial Hygiene Association (AIHA) maintains a Consultants Listing where employers can find local industrial hygiene and environmental health consultants.
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Local conditionsWhere can I find the website for a local Chamber of Commerce?
Many local Chambers of Commerce provide up-to-date information on local conditions, and reopening and return to work guidance for local businesses.
Both the US Chamber of Commerce and California Chamber of Commerce publish directories of local Chambers of Commerce.
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Where can I find the website for a particular county’s public health department?
In addition to the California state government’s guidelines for business reopening, individual counties may have additional criteria, guidelines and rules for reopening.
The websites of each county’s public health department can be found here.
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Managing Remote TeamsWhat resources are available to help employers manage teams that are working remotely?
As businesses reopen, some employees will be asking if they can continue to work from home. Below are some helpful resources for employers looking at their remote work policies and practices.
Mammoth HR (with Think HR)
Paylocity
Society for Human Resources Management (SHRM)
HR Morning
Upwork
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The answers provided are a best interpretation of the information available as of the date posted. The answers are for informational purposes and should not be construed as tax or legal advice.