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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 PrismThe small group Special Enrollment Period (SEP) is a valuable opportunity to grow your book and help small businesses that are typically ineligible for group coverage.
During the small group SEP, November 15 to December 15, insurance carriers are required by law to accept applications from small groups (1-100 employees) without participation or employer contribution requirements. This limited time opportunity is the perfect chance to offer coverage solutions, even to businesses that don’t meet the usual criteria.
Our easy-to-use Carrier SEP Guide for January 2025 medical coverage can help you and your small groups quickly compare carrier deadlines and details.
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.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.
In 2024, the average single premium increased by 6%, and the average family premium increased by 7% for employer-sponsored coverage. Over the last five years, the average premium for family coverage has increased 24%, compared to a 28% increase in workers’ wages and an inflation rate of 23%.
The KFF 2024 Employer Health Benefits Survey provides a comprehensive analysis of trends in employer-sponsored health coverage. This year’s report covers premium trends, employee contributions, cost-sharing provisions, wellness programs, and new questions on provider networks, abortion coverage, family building benefits, coverage for GLP-1 agonists (weight loss drugs), and programs for lower-wage workers. The 2024 survey was conducted through 2,142 interviews with non-federal public and private firms with three or more workers.
Check out the KFF 2024 Employer Health Benefits Survey summary and news release to stay up to date on the latest employer-sponsored coverage trends and guide your groups through the evolving health care marketplace. Contact us today to develop tailored benefits solutions that address your clients’ needs.
KFF 2024 Employer Health Benefits Survey
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.
Blue Shield of California continues to deliver comprehensive health benefits tailored to the needs of small businesses and their employees – offering healthcare that is accessible, affordable, high quality, and universal. Here’s a summary of the changes for 2025.
The 10% specialty discount is a perpetual program that is applied to the dental and/or vision premium when a dental and/or vision plan is added to a new or existing small business medical group. Learn more.
The Relaxed Participation promotion has been extended through December 31, 2025.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.
Miss the Q1-2025 Blue Shield Small Business Broker Roadshow? Watch it on demand for valuable insights and updates to help you during the upcoming open enrollment period.
Highlights Include:
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.
CaliforniaChoice has announced the following Q1-2025 updates:
CaliforniaChoice is the only small group (1-100 employees) private exchange for employee benefits in California. Partnering with seven top health plans, 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.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.
ChoiceBuilder has announced the following Q1-2025 updates:
Available to small businesses (2-500 employees), ChoiceBuilder is the best ancillary exchange in California, offering the nation’s premier dental, vision, chiropractic/acupuncture, and life insurance benefits in a single easy-to-manage program – with both employer-sponsored and voluntary coverage options. Plus, ChoiceBuilder can be offered alongside any medical plan, including CaliforniaChoice®.
It’s a great way to enhance your clients’ employee benefits package without the high cost of additional benefits or the difficulties of managing different services. There’s one application, one bill, and one point of contact for administration.
With more than 8,000 employers and 130,000 members across the state, ChoiceBuilder offers freedom, simplicity, and affordability.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Starting September 1, 2024, all Stanford Medicine providers and hospitals are in-network for Blue Shield Commercial HMO and PPO members. This includes Stanford Hospital, Lucile Packard Children’s Hospital, Tri-Valley Hospital, Stanford Medicine Partners, and Packard Children’s Health Alliance.
However, Stanford Hospital and Stanford Medicine Partners are out-of-network for Blue Shield’s Individual and Family Plan (IFP) PPO and Trio HMO networks. Lucile Packard Children’s Hospital, Packard Children’s Health Alliance, and Tri-Valley Hospital are in-network for these plans.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.
Please join us on October 15th at 10 am PT for a special webinar with our newest carrier partner, Cypress Dental.
Moderated by Claremont’s Director of Sales, Nicole Allyn, and joined by Cypress Dental’s Director of Sales and Marketing, Michele Childers, this exclusive event will provide you with the opportunity to:
With healthcare costs rising, your clients are looking for savings across all lines of coverage. Cypress Dental has a 50+-year reputation in CA for offering excellent savings opportunities with comparable benefits plus a nationwide dental network, a unique hybrid plan, and more!
Don’t miss this chance to get better acquainted with Cypress Dental.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Get The Latest News with Text Messaging!
Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.
Effective November 1, Humana is expanding eligibility for their Employee Assistance Program (EAP) for California groups:
New: California groups of any size will now qualify for EAP when they purchase Humana basic life coverage.
This new option is in addition to the standard bundling option where groups must purchase three lines of group benefits coverage, including one line of disability.
For more Humana EAP information, check out the Humana Group Benefits: Marketing Kit for brokers, the Humana EAP flyer, and the Humana EAP TELUS Health One app.
Earn a bonus and provide extra financial protection for your clients’ employees.
To earn a bonus, place NEW Humana short- and/or long-term disability with an initial effective date of coverage between October 1, 2024 through January 1, 2025. The bonus can be earned in one of two ways:
To learn more, download the Disability Plans Bonus flyer.
Intended for specialty lines of coverage of all sizes, the Humana 2024 Group Benefits Growth Bonus (formerly known as the Specialty Growth Bonus) is paid once annually, within 60 days after the January 31, 2025 program end date.
Bonus Program Highlights
Eligible Products
The 2024 Group Benefits Growth Bonus qualifications remain the same as the 2023 Specialty Growth Bonus. To learn more, download the Group Benefits Bonus flyer and the 2024 Producer Partnership Plan brochure.
Sell a Bundle, Earn a Bundle! To earn a bonus, sell a new Humana dental line of coverage with at least one additional Group Benefits line of coverage with the same employer group with an initial effective date of coverage between April 1, 2024 through January 31, 2025.
Group Benefits Lines of Coverage
To learn more, download the Dental Bundling Bonus flyer.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.
During National Suicide Prevention Month (September), small business owners can play a crucial role in supporting their employees by prioritizing mental health in the workplace. By nurturing a supportive environment, they help ensure team members feel valued and cared for, contributing to overall well-being. This focus not only helps reduce risks associated with mental health challenges and suicidal thoughts but also demonstrates a deep commitment to employee health and happiness.
As one of the few Employee Assistance Programs (EAPs) that serve small employers, The Holman Group offers suicide awareness education, classes, webinars, and a 24/7 crisis hotline, which are included in most benefits packages.
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.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Get The Latest News with Text Messaging!
Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.