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Claremont Insurance Services

To keep you current on information critical to your business, below are updates and resources to support your sales and service efforts. To access our full library, visit the News and Industry Perspectives site.


2019 Rate Pass and New Maximum

Delta Dental of California's Small Business Program has announced the following updates:

  • 2019 Rate Pass
    No increase for all Delta Dental PPO™ and DeltaCare® USA plans and the two-year rate guarantee will continue for new and renewing groups in 2019.
  • New Maximum Option
    Effective January 1, 2019, a $2,500 calendar year maximum option will be available to all employer paid plans (groups with 5+ enrolled employees).
  • Out-of-State Employees
    Restrictions on the number of eligible employees allowed to reside out-of-state have been removed from Delta Dental's PPO plans. 

Learn more about the updates.

Learn More

Q4-2018 Small Group Rates and Updates 

Small group PPO rates will remain unchanged through December 31, 2018. HMO plans will increase an average of 1.5% for October through December effective dates.

Updates — Effective November 1, 2018

  • No benefit changes to the existing plans.
  • Two new HMO plans will be available on all four HMO networks. Both will offer a hospital copay.
  • New "Choice Simplified III" package will be added, giving employers four plan packages to choose from.
  • Marin County zip code 94924 has been added to the Signature (full HMO) network and all PPO networks.

Underwriting Changes — Effective July 1, 2018

  • Minimum 60% participation is required for contributory groups, excluding COBRA participants.
  • Groups offering the UnitedHealthcare Choice Simplified Package and a staff-model must have at least 60% participation between the participating carriers with 5 California employees enrolling with UnitedHealthcare, excluding COBRA participants. Coverage may be written alongside two other staff-model carriers.
  • Groups offering the UnitedHealthcare Multi-Choice® State Package and a staff-model must have at least 60% participation with UnitedHealthcare, excluding COBRA participants.
  • Additional participation guidelines for all groups:
    • When employers contribute 100% of the employee premium, 100% of eligible employees must enroll.
    • COBRA participants and employees in the waiting period are not eligible and are not included when determining the participation requirement.

Get the details on the rates, updates, and new plans. 

Get The Details

Can I use eQuote-to-Enrollment for renewals as well as new business? Get the answer.

Get The Answer

With our convenient FAQs, quickly find answers about the ACA, Covered California for Small Business, the San Francisco Ordinance and, in the General section, managing your agency during times of change.

Delta Dental 2019
Rate Pass and New

UnitedHealthcare Q4
Small Group Rates and
Question of The Week

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Healthcare Reform
Knowledge Center

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August 29
• SVAHU 'After Dark'

August 31
• Application Deadline:
  - Reliance Standard
September 5 & 6
• Blue Shield of CA
  Small Business Broker
  Online Roadshow
September 6
• Application Deadline:
  - Delta Dental
September 7
• Application Deadline:
  - Blue Shield of CA
  - Choice Builder
  - MetLife
September 10
• Application Deadline:
  - Beam Dental
  - Humana
  - Principal
  - UnitedHealthcare
September 13
VHP Healthcare
  Leaders Recognition
September 14
• CAHU Masquerade
September 20
  Annual Medicare
September 24
• Application Deadline:
  - Chinese Community
    Health Plan
  - Covered California
    for Small Business
September 28
• Application Deadline:
  - Reliance Standard
October 3
• Application Deadline:
  - Delta Dental

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Contact the small group experts at 800.696.4543 or

Claremont Insurance Services
1000 Burnett Avenue, Suite 440, Concord, CA 94520
800.696.4543, License: 0B33256

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