2024 Small Group SEP Carrier Guide

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PRISM - Health Net is Now Available Through Claremont!

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.

Nov 27, 2023, 2 Minute Read

All health insurance carriers have a legal obligation to provide small businesses (1-100 employees) with a Special Enrollment Period (SEP) once per year, from November 15 through December 15, 2023 – for medical coverage starting January 1, 2024. This limited opportunity allows employers to enroll in coverage with no minimum participation requirements or employer premium contributions.

Our easy-to-use Carrier SEP Guide for January 2024 medical coverage can help you and your small groups quickly compare carrier deadlines and details.

Carrier SEP Guide

SEP delivers sales opportunities and solutions for:

Small Business Owners Currently Enrolled in Individual Market Coverage
The SEP permits small business owners to upgrade into group medical insurance, unlocking advantaged rates and plan offerings compared to individual and family policies. We can help you present these to your small business clients.
Dual-Carrier Groups Struggling to Meet Participation Thresholds
Small employers offering coverage from two carriers (aka dual-carrier groups) where meeting enrollment quotas with one carrier is problematic. The SEP waives these requirements – making compliance much easier.
Groups Preferring Lower Employer Premium Contributions Than Are Otherwise Required
Because the SEP eliminates monthly employer premium payment obligations, it empowers budget-conscious small businesses to enroll employees in group health benefits without increasing operating expenses.

Please note: the Special Enrollment Period is different than the relaxed participation promotions. These carrier promotions are usually offered for a specific time period and may be discontinued at any time.

Contact us today to help your clients take advantage of the SEP.

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

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