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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.
Login To PrismWith over 50 years in the dental and ancillary benefits market, Cypress Dental is a carrier worth keeping in your toolkit. Here’s a look at what they offer and what’s new this spring.
Why Cypress Dental?
Cypress Dental stands out for its flexibility, minimal paperwork, and broker-friendly approach:
Amazon Gift Card Promotion
Cypress Dental’s Amazon gift card promotion is currently underway. If you’ve recently placed a group with Cypress, be on the lookout for your card. Reward tiers are as follows:
For more information about Cypress Dental or to find out if it’s a good fit for your clients, reach out to your Claremont Answer Team at 800.696.4543 or info@claremontcompanies.com.
Q3 rates for California Choice plans are now live in PRISM.
Starting 7/1, CaliforniaChoice is expanding options for members residing outside of California. Two Anthem Blue Cross plans will be available through the Select PPO network for out-of-state members:
The Select PPO network plans offer a lower-cost alternative to the Prudent Buyer full network plans currently available to out-of-state members, and use the same Blue Card network as the Prudent Buyer network when outside of California — giving employees more flexibility when it comes to cost.
Contact your Claremont Answer Team at 800.696.4543 or info@claremontcompanies.com to quote California Choice on your next group.
CaliforniaChoice is the only small group (1-100 employees) private exchange for employee benefits in California. Partnering with seven top health plans and 18 provider networks, CaliforniaChoice offers a variety of full and limited network HMOs, PPOs, and other benefit options to choose from – all at different price points so you can help your clients control costs and offer their employees choices. Learn more.
With CaliforniaChoice, you can offer multiple health plans side-by-side in a single employee benefits package. That means you only have to learn one product and run one quote, while still giving your clients the value of choice.
If you haven’t written CaliforniaChoice lately, this is the webinar for you. Learn about the benefits of CaliforniaChoice for you and your clients, including:
Set It and Forget It
Employers pick the contribution amount that fits their budget. No second-guessing, no annual plan reshuffling.
Employees Choose from 7 Health Plans
No more employers choosing health plans for their teams. Employees select what works best for them from multiple options. Everyone gets what they actually want.
Great Add-Ons (No Extra Cost)
With Dental, Vision, Chiro, and Life insurance options, employers can offer it all without paying more.
Simple Administration & Service
One streamlined program. One easy experience. Exceptional service behind it.
For your clients: Cost control, less admin strain, and happier employees.
For you: Sell more, retain loyal clients, and no more headaches moving groups year after year. It’s a true win-win.
Save your spot and learn more about the program made by brokers, for brokers. You’ll see why we’re the greatest health insurance exchange in America.
If you can’t attend, just reach out to your Claremont team and we will share why CaliforniaChoice is a great solution for your group clients.
Contact your Claremont Answer Team at 800.696.4543 or info@claremontcompanies.com.
CaliforniaChoice is the only small group (1-100 employees) private exchange for employee benefits in California. Partnering with seven top health plans and 18 provider networks, CaliforniaChoice offers a variety of full and limited network HMOs, PPOs, and other benefit options to choose from – all at different price points so you can help your clients control costs and offer their employees choices. Learn more.
With CaliforniaChoice, you can offer multiple health plans side-by-side in a single employee benefits package. That means you only have to learn one product and run one quote, while still giving your clients the value of choice.
Hear the latest from Health Net’s leadership team, including Q3-2026 small group rate and benefit updates.
Date & Time
Learn more about Health Net’s competitive and stable pricing, value-added programs, flexible guidelines, and other key updates for the quarter.
Get practical insights to stay ahead of market changes, refine your strategy, and better support your clients.
Learn more about Health Net’s versatile health plans, ancillary coverage, wellness programs, and value-added services.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Join the CaliforniaChoice team on Thursday, April 9, at 10:00 a.m., for a quick, info-packed webinar featuring:
If you can’t attend, just reach out to your Claremont team and we will provide a debrief. If you want to learn more about Census Enrollment, here’s a recent article:
New group applications can now use the census enrollment tool when applying for CaliforniaChoice coverage
Download the Census Enrollment Tool Highlights
Video: How To Use the Census Enrollment Tool
When you submit a CaliforniaChoice new group application through Claremont, you’ll receive employee-level confirmation that each employee is enrolled in the correct carrier and plan. Whether you choose a traditional application or census enrollment, our team ensures your group is set up accurately from day one.
Contact your Claremont Answer Team at 800.696.4543 or info@claremontcompanies.com.
CaliforniaChoice is the only small group (1-100 employees) private exchange for employee benefits in California. Partnering with seven top health plans and 18 provider networks, CaliforniaChoice offers a variety of full and limited network HMOs, PPOs, and other benefit options to choose from – all at different price points so you can help your clients control costs and offer their employees choices. Learn more.
With CaliforniaChoice, you can offer multiple health plans side-by-side in a single employee benefits package. That means you only have to learn one product and run one quote, while still giving your clients the value of choice.
Effective February 1, 2026, Community Medical Centers (CMC) facilities are no longer part of Blue Shield of California’s network. CMC’s affiliated PPO group, Community Health Partners (CHP), continues to serve a limited number of PPO members; however, some CHP providers may no longer accept Blue Shield members due to their out-of-network status.
Members enrolled in a Blue Shield PPO plan may choose to receive care from non-contracted providers, but out-of-pocket costs could be higher depending on plan design and any required prior authorization. Benefit details and cost-sharing responsibilities can be found in the member’s Evidence of Coverage (EOC).
Members who were in an active course of treatment with a CHP provider prior to February 1, 2026, may be eligible to continue receiving care at in-network benefit levels. Eligibility is determined through Blue Shield’s established Continuity of Care policy, and members must submit a request for consideration.
Members needing emergency services should call 911 or go to the nearest emergency room immediately, even if the hospital is out of network. Emergency services are covered according to the member’s plan benefits.
Members with questions should contact Blue Shield Customer Service using the number on the back of their member ID card.
With more than 150 years of industry experience, MetLife delivers a comprehensive and competitive employee benefits package that can be tailored to meet the needs of today’s diverse workforce.
True one-stop benefits strategy
MetLife provides Dental, Vision, Life, Disability, Accident, Critical Illness, Hospital Indemnity, Legal Plans, and Pet Insurance — helping employers simplify administration while enhancing employee value.
Flexible plan design
Customizable coverage options allow brokers to match benefits to employer budgets, workforce demographics, and recruitment strategies.
Strong employee-focused value adds
Innovative dental enhancements
MetLife PPO dental plans include access to 24/7 virtual dental and emergency visits, helping employees address issues early and stay engaged in preventive care.
Built-in well-being support
MetLife’s Employee Assistance Program provides confidential counseling and everyday life support services through TELUS Health — reinforcing employer commitment to workforce wellness.
MetLife’s combination of breadth, flexibility, and employee-focused services makes it a strong solution for brokers looking to help clients build a more complete and competitive benefits program.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Please join us in welcoming Connor Gray to our Claremont team as a Broker Service Representative.
Connor brings a background in computer science and a strong analytical mindset to his new role. Though new to the insurance industry, he has embraced the learning curve, jumped right in, and is quickly building the knowledge needed to support our broker partners.
“Connor has approached this new role with curiosity and focus,” shares Laura Hogsed, Service Manager. “He’s eager to learn, asks thoughtful questions, and is already demonstrating the problem-solving skills that are so important in serving our brokers well.”
As Claremont continues to grow, we remain committed to investing in talented professionals who strengthen our service team and enhance the support we provide to our broker community.
You can reach Connor at connor@claremontcompanies.com or 925.296.8824.
Employers want competitive ancillary benefits, and you want to simplify the complexity of quoting and managing multiple carriers across dental, vision, life, and wellness products. ChoiceBuilder solves this challenge by combining leading ancillary carriers into one streamlined platform for groups with 2–500 employees.
ChoiceBuilder allows employers to build a customized ancillary package anchored by dental and expanded with additional benefits:
Employers can mix employer-sponsored and voluntary plans to balance cost and employee choice. Download Choice Builder At A Glance flyer.
ChoiceBuilder brings together nationally recognized ancillary carriers into a single program, simplifying administration for brokers and employers. Participating carrier networks include:
All plans align with each carrier’s largest available provider networks, delivering broad access and strong in-network coverage. Download Network Guide.
ChoiceBuilder supports groups from 2–500 employees, including husband-and-wife businesses, with both employer-paid and voluntary options. Programs can be built in a simple step approach: select dental, then add vision, wellness, and life benefits as needed. Download Group Program Guidelines.
ChoiceBuilder makes it easy to deliver a complete ancillary benefits package with trusted carrier brands and strong networks—without the complexity of managing multiple vendors.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Blue Shield is requesting employer participation in its annual Medical Loss Ratio (MLR) survey for groups under 150 employees.
The Affordable Care Act requires health plans to spend a minimum percentage of premium dollars on medical care and quality improvement. To meet this requirement, carriers must confirm accurate group size data each year.
What brokers should do
Please encourage your Blue Shield small-group clients (under 150 employees) to submit their group size information by March 31, 2026.
How employers can submit
Online: Access the online survey, and use Group ID with web key #44n50c
Fax: Complete the print survey and fax to (855) 895-3497
Why it matters
Accurate group size reporting helps Blue Shield meet federal MLR requirements and ensures proper regulatory reporting.
Questions:
Access the MLR FAQs, or contact the Blue Shield MLR team: MLRassist@blueshieldca.com or (800) 352-5166