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Starting July 1, Covered California for Small Business (CCSB) is offering new Blue Shield plans, providing more options for enrollees. These plans include the Access+ HMO Network with Platinum, Gold, and Silver metal tier options, as well as the Bronze Trio HMO 7000/70. The two most popular Blue Shield High Deductible Health Plans (HDHP), Silver Full PPO Savings 2300/25% and Bronze Full PPO Savings 7000 plans, are also now available.
All of these plans offer benefits such as Wellvolution, Teladoc Mental Health, Nurse Help 24/7, LifeReferrals 24/7, and the Blue Card program for when members are outside of California.
For assistance, please contact our Quotes team at quotes@claremontcompanies.com or 800.696.4543.
Login To PrismWith the Covered California for Small Busines (CCSB) bonus program, agents who place new small group business from July 1, 2024 – January 1, 2025, can earn up to a $12,000 bonus per group, in addition to competitive commissions. To qualify for the first bonus tier of $1,000, agencies must submit a minimum of three groups with four enrolled employees. Best of all, the bonus is per group with no maximum number of groups! Download the flyer for details.
In addition to California’s most comprehensive access to doctors and hospitals, CCSB health plans offer choice and control, with:
As a trusted CCSB partner since its 2014 launch, we are a top-producing general agency in our sales territory. From agent certification and quoting to assessing new group eligibility and resolving post-enrollment issues, our CCSB experts will provide guidance and support every step of the way.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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The latest MetLife study highlights the importance of maintaining a caring and supportive work environment during times of macroeconomic uncertainty, geopolitical conflicts, and election year tensions. Offering a robust benefits package and a welcoming culture can establish a foundation for mutually beneficial employment relationships, providing stability and helping employees prepare for unexpected events and challenging times.
Organizations that prioritize employee care are better positioned to achieve their talent management objectives, even in turbulent times. Investing in such initiatives not only supports financially stressed employees but also enhances productivity and retention, positively impacting the bottom line. The study demonstrates that the benefits of investing in employee well-being extend to both the workforce and the organization, emphasizing that the cost of neglecting employee care could be far greater than the investment in it.
MetLife’s 2024 U.S. Employee Benefit Trends Study, Maximizing Employee Care: Opportunities for Enhancing Care Delivery Across the Employee Experience, not only tracks shifts in employee expectations and workplace dynamics but also offers insights into how a well-structured employee care strategy can significantly enhance both employee well-being and organizational outcomes. By addressing the holistic needs of employees across various life and work scenarios, employers can develop a more engaged, loyal, and productive workforce.
To learn more, check out this video:
As a benefits advisor, the data-driven insights and valuable strategies from the MetLife Study can help you play a pivotal role in guiding employer groups to create a workplace environment that truly supports their employees. Contact us today to develop benefits solutions tailored to your clients’ needs.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Blue Shield of California continues to deliver comprehensive health benefits tailored to the needs of small businesses and their employees. Here’s a summary of the third quarter changes.
The 10% specialty discount is a perpetual program that is applied when a dental and/or vision plan is added to a new or existing small business medical group.
The Relaxed Participation Promotion has been extended through December 31, 2024.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Effective June 1, 2024, Humana is now offering short-term and long-term disability plans for California-based groups. These plans are currently available for quoting and provide comprehensive financial protection for employees who may be unable to work due to illness, injury, or disability.
Recognizing that most people cannot afford a prolonged loss of income, these disability plans are designed to help cover daily expenses, allowing employees to maintain financial stability and focus on their recovery.
Humana’s disability plans prioritize employee well-being, are easy to use, and provide comprehensive income protection, making them a valuable addition for employers looking to enhance their employee benefits.
To learn more, download these Humana guides:
And take advantage of Humana’s 2024 Group Benefits Growth Bonus to earn more in 2024.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Delta Dental’s recent expansion of the pediatric dental coverage age limit under DeltaCare® USA plans represents a significant opportunity for you and your employer groups. By extending pediatric dental coverage to children through the age of 13—up from the previous limit of 7—Delta Dental not only demonstrates its commitment to family health that goes beyond the industry standard but also gives you a stronger benefits package to offer employers. And it allows employers to provide comprehensive dental care for their employees’ children fostering a healthier workforce and attracting top talent.
Why the Higher Age Limit Matters
Having dental care from a young age is crucial as kids’ baby and permanent teeth develop. Most children lose their last baby tooth around 12 years old. Allowing kids to see the same dentist through age 13 gives them consistent, comfortable care during this important time.
By embracing these enhanced plans, you can differentiate your offerings, while employers can improve their benefits packages, leading to happier, healthier employees and families. To learn more, visit Delta Dental.
Plus, now you can earn more with the Delta Dental Broker Rewards Program.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Recognizing the direct correlation between financial well-being and health, Delta Dental has introduced the Healthcare Spending Card, a new approach to managing dental and healthcare expenses. This card offers employees a more accessible and convenient way to finance their healthcare needs with:
An excellent tool to make employee benefits more attractive, the Healthcare Spending Card is easy to use, and employers can add it to their benefits package at any time of the year with no contract, ongoing file sharing or integration (and no credit risk).
Despite the availability of dental insurance, financial barriers often deter individuals from seeking necessary dental care. The Healthcare Spending Card aims to remove these barriers, making it easier for people to get the dental care they need. By incorporating the Healthcare Spending Card into their offerings, your clients can play a pivotal role in promoting a healthier, financially secure workforce. Learn more.
Plus, now you can earn more with the Delta Dental Broker Rewards Program.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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With Beam’s short-term disability plans, powered by The Hartford, you can easily offer employers flexible, best-in-class comprehensive disability coverage. Available for California groups of 10+ eligible employees, these guaranteed issue plans offer members financial support with payments starting as soon as the first day of disability for up to 26 weeks.
To learn more, visit Beam Benefits and download these flyers:
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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As one of the few Employee Assistance Programs (EAPs) that serve small employers, The Holman Group provides comprehensive and cost-effective behavioral health and substance use services to enhance employee well-being and performance.
Check out their orientation and regular webinars and videos for employees on parenting, nutrition, finances, and more.
By incorporating The Holman Group EAP into their benefits package, employers can facilitate early intervention for personal and work issues, reduce healthcare costs and absenteeism, minimize turnover, and boost work satisfaction. The EAP can be offered as a standalone benefit or seamlessly integrated with other mental health and substance abuse programs, ensuring a holistic approach to addressing employee needs. Learn more.
Questions?
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Article last updated: March 19, 2024.
Most of your clients likely have upcoming deadlines under the federal prescription drug benefits reporting (RxDC) requirements. Here’s a summary of the requirements, how carriers are helping, and the deadlines.
Under Section 204 of the 2021 Consolidated Appropriations Act (CAA), insurance companies and employer-based health plans must submit information regarding prescription drug benefits and health care spending. The information must be submitted to the Centers for Medicare and Medicaid Services (CMS) by June 1st of each year for the prior year’s coverage.
According to the CMS, the information that is required to be submitted by insurance companies and employers are:
Blue Shield will collect D1 Premium information from groups between February 5, 2024 and April 19, 2024. Blue Shield will also submit D2 for all groups and D3-D8 for groups with prescription drug benefits under a Blue Shield health benefit plan, and P2 accordingly. If a group does not have prescription drug benefits with Blue Shield, they should coordinate submission of D3-D8 with their pharmacy/prescription drug benefits carrier, and P2 accordingly.
Key Details
Other Details:
Information Requested
Due to technical issues on their end and updated guidance from CMS about the 2024 submission, below are revised dates:
UnitedHealthcare will complete the CAA Prescription Drug (RxDC) reporting for its fully insured and self-funded/level funded groups, including those with OptumRx as the integrated PBM. However, groups with these will need to complete the Request for Information (RFI) tool for RxDC reporting between February 1, 2024, and March 31, 2024. The March 31, 2024, deadline is firm.
To support its customers with this important filing, UnitedHealthcare will be submitting the P2 (Group Health Plan), D1 (Premium and Life Years) and D2 (Spending by Category) files for all employers who had active coverage during the reference year (2023). However, completion of the submission requires gathering some information not currently maintained in their system.
UnitedHealthcare will also submit the D3-D8 data files for customers with OptumRx as an integrated PBM. UnitedHealthcare has access to all data required to complete the submission of the D3-D8 data files. Customers who use any other PBM, including OptumRx Direct, must work with that PBM to submit the D3-D8 files.
Resources
Kaiser Permanente is required to submit information on prescription drugs and healthcare spending to CMS. On February 1, 2024 Kaiser Permanente began to send out a survey form from Kaiser-Permanente-RxDC@kp.org to all contract signers to request this information. The form must be completed by March 15, 2024.
Information Requested
Kaiser Permanente plans to submit all applicable reports and required responses for all employer groups to CMS by the June 1, 2024 deadline.
Employer groups must submit information to Sutter Health Plus regarding the average monthly premiums paid on behalf of enrollees and the amount paid by enrollees each year.
For calendar year 2023 reporting, employers or brokers are to submit the required information through the online Premium Reporting Form.
Submissions are due no later than March 1, 2024.
Cigna is reporting on behalf of Cigna + Oscar groups, so no action is required by employer groups or brokers.
Covered California for Small Business (CCSB) serves as an administrator of their participating Health Plan Issuers and is not an insurance company nor an employer-based health plan. Therefore, CCSB is not subject to RxDC data collection requirements on behalf of their employer groups. Claremont recommends that the employer follow the reporting guidelines for the enrolled carrier(s).
CCSB Resources – CCSB’s Small Business Service Center is available to help with questions at 855.777.6782.
CaliforniaChoice serves as an administrator of their participating Health Plan Issuers and is not an insurance company nor an employer-based health plan. Therefore, CaliforniaChoice is not subject to RxDC data collection requirements on behalf of their employer groups. Claremont recommends that the employer follow the reporting guidelines for the enrolled carrier(s).
The carriers are taking action to support your clients with the federal reporting requirements. In order to do so, they require information from each employer group. Look out for emails directly from the carriers, and follow their instructions. If you or your clients have questions, we can help direct you to the right contacts at the carriers.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Earn additional compensation for selling and retaining eligible groups of 2-99 lives by enrolling in Delta Dental’s Small Business Broker Rewards Program at ddsbrewards.com.
Retain at least 92% of your book of business through 2024 and meet a new sales reward level. If you do both, you’ll earn a bonus for each. If you’re new to Delta Dental, your new sales alone will qualify.
Once you’ve met your retention goal, there are three levels of sales rewards. New sales bonuses are based on the number of new groups or total new premium received for effective dates in 2024. As you sell more and retain your existing business with Delta Dental, your rewards grow. And this program is in addition to your existing standard small business commission.
Sign up for the rewards program and access the small business broker rewards dashboard to easily track your reward earnings. Brokers who have joined in previous years just need to log in to be eligible for additional compensation in 2024. To learn more, download the flyer.
Delta Dental Broker Rewards Program
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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