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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.Login To Prism
In this rapidly changing benefits landscape, clients rely on brokers to provide advice on a myriad of benefit-related topics: ACA compliance, benefits administration technology, human resources, and even basic tax and legal information. There are an overwhelming number of vendors and consultants marketing their services. Where should a broker start when crafting a solution for clients and for their own business?
Claremont has a solution. We have thoroughly assessed the available options and recommend vendors and advisors, each of whom we either work with or have vetted. Some offer discounted services to Claremont clients. Simply contact us at 800.696.4543 or firstname.lastname@example.org.
Fully-Vetted and Recommended Vendors Grouped in Categories (Special Pricing Available)
An employer with 50 or more full-time plus full-time equivalent employees is considered an Applicable Large Employer (ALE) and must report annually on their offer of coverage to employees. Many vendors who offer ACA reporting services provide little or no guidance to ALEs and they especially do not cater to small ALEs. Claremont has taken these concerns into consideration and can recommend the following solutions for your clients.
Clients are more frequently asking brokers to recommend and use online systems to manage the employee lifecycle from application to termination, including benefits administration. These all-in-one platforms facilitate the transition from paper and spreadsheets to digital transaction management.
As small businesses grow and add employee benefits, payroll processing becomes more complicated and owners seek to outsource a solution. Ensure that your client chooses a payroll solution that won’t try to take your Broker of Record in the process. These payroll vendors are broker-friendly and provide solutions that meet the unique needs of small businesses.
Clients have varying needs when it comes to human resources. Some may prefer a do-it-yourself approach. Others may need more hands-on support from an HR professional. Claremont has found services that fit either of those needs.
Brokers frequently get questions from clients on legal topics that range from ERISA to ACA compliance. Our recommended legal advisors specialize in these specific areas.
Prior to the ACA, knowing healthcare coverage meant understanding certain tax issues; post-ACA, the connection between tax and healthcare has greatly expanded (tax credits, tax penalties, reporting penalties). Your client might ask whether they are part of a controlled group and therefore an Applicable Large Employer for purposes of the Large Employer Mandate. Or, your client may have numerous questions on the tax deductibility of their healthcare costs. The tax consultants we recommend below are ready to answer these questions for your clients.
Designed to aid employees in resolving personal issues that may be affecting their performance, Employee Assistance Programs (EAPs) traditionally addressed alcohol or substance misuse, but now encompass a wide range of concerns like child or elder care, relationships, finances, wellness, and traumatic events such as workplace violence. These programs are often provided at no cost to employees and are offered by independent EAP vendors or integrated into comprehensive health insurance plans. The delivery of services can be by phone, video-based counseling, online chatting, email interactions, or face-to-face meetings.
Additional services may include nurse advice lines, basic legal assistance, or adoption support. The coverage often extends not only to the employee but also to their spouse, children, and non-marital partner living in the same household.
EAPs that offer medical benefits, such as direct counseling and treatment rather than just referrals, fall under ERISA regulations and are subject to COBRA compliance.