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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 PrismLooking for another competitive option for Bay Area groups? Balance by CCHP can be an excellent complement to Blue Shield or Kaiser, giving employers a lower-cost HMO choice for employees who live in San Francisco, San Mateo, or Alameda counties. It’s an easy way to expand plan choice while helping clients manage healthcare costs.
Many employers offer a primary carrier and add Balance as a lower-cost HMO option, giving employees who live within the service area access to a robust local network at a competitive price.
Why quote Balance by CCHP?
Broker Takeaway
If you’re quoting groups with employees in San Francisco, San Mateo, or Alameda counties, consider adding Balance by CCHP alongside Blue Shield or Kaiser. It gives employers a competitive lower-cost HMO option while expanding employee choice—a simple way to strengthen your proposal without changing your overall quoting strategy.
Request a quote or learn more about when Balance by CCHP may be the right fit for your clients.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Good news for brokers with clients in the Central Valley—Blue Shield of California and Community Medical Centers (CMC) have reached a new agreement, restoring in-network access for members across Blue Shield HMO, PPOm Medicare Advantage and ASO plans.
The renewed agreement includes:
The agreement also expands access to care throughout the San Joaquin Valley.
Broker Takeaway
Blue Shield is once again a strong option for groups that depend on Community Medical Centers and Community Health Partners. If you’ve been holding off on quoting Blue Shield because of the contract negotiations, this agreement removes a major concern for many Central Valley employers.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
When it comes to employee benefits, vision coverage is often one of the most appreciated and affordable offerings. Humana Vision PLUS takes vision benefits a step further by providing enhanced savings and expanded benefits when members visit designated PLUS providers.
Humana Vision PLUS is designed to help employees maximize their vision benefits while keeping out-of-pocket costs low.
Humana Vision PLUS utilizes the EyeMed Insight Network, giving members access to more than 175,000 provider access points nationwide, including independent providers, retail locations, and online options.
Popular retailers include:
If you’re looking for an affordable, high-value vision solution that employees will actually use, Humana Vision PLUS is worth a closer look. Vision PLUS Brochure
Place dental alongside the Vision PLUS, and qualify for Humana’s broker bonus program. Learn more.
*Savings example provided by Humana. Actual savings will vary based on benefits and frame selection.
Humana’s Employee Assistance Program, powered by TELUS Health, just got more valuable:
Available 24/7 by phone, app, or online at one.telushealth.com (Username: MyEAP / Password: wellness).
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
With the Covered California for Small Business (CCSB) bonus program, agents who place new small group business from July 1, 2026 – January 1, 2027, can earn up to a $9,000 bonus per group, in addition to standard commissions. To qualify for the first bonus tier of $500, agencies must submit a minimum of three groups with five enrolled employees.
See the CCSB flyer for more details.
Qualification: Write 3 or more groups during the bonus period to qualify.
Enhanced Bonus: Write 6 or more groups and earn a 50% increase on all bonuses.
Eligibility: Business acquired through a partnering General Agency is included.
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.
Here’s what brokers need to know about Blue Shield of California heading into Q3 — from a strong rate story to a revamped virtual care benefit and a points-based bonus program worth stacking.
Starting January 2026, Virtual Blue replaces Teladoc and Nurse Help 24/7 for renewing Small Group off-exchange PPO plans. Virtual Blue is a valuable upgrade for PPO members and includes:
Download the Virtual Blue program flyer.
Blue Shield’s Producer Rewards program makes it easy to earn — no complicated tiers, no calculations. 1 point = $1, paid quarterly.
| Enrollment | Points Earned |
|---|---|
| New medical member (initial sale) | 25 pts |
| New dental member | 10 pts |
| New vision member | 5 pts |
| New life insurance member | 5 pts |
| All three: dental + vision + life | 2x (40 pts total) |
Key details:
Broker Talking Points
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
A benefit your clients’ employees will actually notice — and use. Plus a few reminders on why Health Net remains a strong option in today’s market.
Core Wellness Program — Up to $100/year per member
2026 Bonus Campaigns — Up to $100 More
| Campaign | Activity | Timeframe | Reward |
|---|---|---|---|
| Start Strong | RealAge Test | 2/1–3/31 | $25 Amazon |
| Grocery Giveaway | RealAge Test | 8/1–9/30 | $25 Instacart |
| Coaching | Enroll + Complete One Call | Year-round | $25 Amazon |
| Eat Right Now | Enroll in Program | Year-round | $25 Amazon |
| Craving to Quit | Enroll in Program | Year-round | $25 Amazon |
Broker Talking Points
Don’t Miss: Health Net Small Group Wellness Webinar
Health Net is hosting a broker webinar covering the full range of no-cost wellness programs available to Small Group employers and their members.
Why Health Net Right Now
Health Net covers a wide range of group situations — from lean startups to established employers with complex carrier arrangements. If you have a group that’s been tough to place, it’s worth the conversation.
Questions? Reach out to your Claremont team for a full Health Net overview and quoting support.
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.
Humana announced three updates to improve your sales and your pocketbook — a broker bonus, increased GI limits on life plans, and a stronger EAP benefit. Here’s what you need to know.
Humana’s Dental Bundling Bonus is back for June 1 – October 31, 2026, for new groups with 10–299 enrolled.
Place a new Humana dental plan with at least one additional line of coverage (vision, life, or disability) with the same employer and same effective date to qualify. The more lines placed with the group, the more your bonus grows. Download the Broker Bundling Bonus Flyer.
Employee GI amounts start at $50,000 for a group of 2-4 eligible, and increase to $100,000 for a group of 5-9 eligible. Starting at 5 eligible, the group may offer employee voluntary life with GI amount of $50,000. Starting at 10+ eligible, groups may also add spouse voluntary coverage. Humana’s revised life plans are available for groups with May 1, 2026 effective dates and beyond.
Download the flyer for full details and GI amounts.
Humana’s Employee Assistance Program, powered by TELUS Health, just got more valuable:
Available 24/7 by phone, app, or online at one.telushealth.com (Username: MyEAP / Password: wellness).
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Competitive rates get attention, but Health Net’s underwriting flexibility might be the real reason to bring this solution to your clients.
If Health Net hasn’t been top of mind for your groups, it’s worth a second look. Beyond competitive pricing, Health Net matches the major carriers on network breadth — so disruption risk is low. Out-of-state employees plug into the Cigna network for solid coverage, and $0 deductible HMO plans mean first-dollar benefits from day one.
The story gets even better when you look at their Simplified Underwriting Program. Relaxed paperwork requirements make placement faster and easier — two tracks cover nearly every group scenario you’ll encounter.
Health Net covers a wide range of group situations — from lean startups to established employers with complex carrier arrangements. If you have a group that’s been tough to place, it’s worth the conversation.
Questions? Reach out to your Claremont team for a full Health Net overview and quoting support.
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.
Employee Navigator hosted a webinar on March 31, 2025, to share an update on the planned migration of groups from the Ease platform to Employee Navigator. Here are the key takeaways:
Starting January 1, 2027, no new companies can be added to Ease. The “Add Company” function will be disabled for all users.
On July 1, 2027, any groups still remaining on Ease will be moved to “Read Only” status. To avoid disruption, groups should be migrated to Employee Navigator before that date. Once in Read Only status:
Employee Navigator is beginning the process of transitioning brokers with an Ease subscription to an Employee Navigator contract, though the process is expected to take up to six months to complete.
In the meantime, brokers with an active Ease subscription can request a free Employee Navigator subscription to use alongside their current one, which is a great way to start exploring the platform at your own pace. Email success@ease.com to get started.
Once you have access, here are the suggested steps to get up familiar with the platform:
As with any transition like this, there are still details being worked out. Here’s what we know so far:
We’ll continue to share updates as more information becomes available. In the meantime, if you have questions about the transition or need help getting started with Employee Navigator, reach out to Employee Navigator at info@employeenavigator.com or 301-583-5180. Or reach out to your Claremont Answer Team at 800.696.4543 or info@claremontcompanies.com.
With 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.