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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.


Help employers control rising health plan costs and offer high-quality coverage options with our just released Top 20 Lowest Cost Medical Plans Reports.

Why Download Our Top 20 Reports:

  • Quickly and easily identify the lowest cost medical plans in each network: Broad and Narrow.
  • Efficiently compare plans by cost, metal tier, and rating region, statewide.
  • ‘Shop the market’ without a quote engine.

Identify savings for clients and increase sales with our NEW Q3-2018 Top 20 Broad and Narrow Network Plan Reports.

Get The NEW Reports

Flexible Dental Options That Cost Less

Offer your clients the benefits of a dental PPO plus the premium savings of an EPO at a price that’s lower than a traditional PPO. With Principal’s unique Point of Service (POS) plans, you can deliver all this to California small groups. The employees can visit any dentist and behind the scenes Principal will identify the best contract price (EPO, PPO or OON). With one of the largest networks in the industry and 23% of in-network dentists participating in the EPO program, employees can easily identify options for richer benefits and lower out of pocket costs.

Dental Benefits Include:

  • Contributory participation down to 50% on all lines.
  • No benefit waiting periods for major services or orthodontia (replacement or new coverage).
  • Fresh calendar year maximum AND deductible carryover credit.
  • Takeover of rollover amounts included at no charge, so employees don't have to start over.
  • Annual enrollment allows members to waive coverage and come back on the plan.
  • 99th percentile out-of-network reimbursement available.
  • Implant, cosmetic, accident, and TMJ riders available.
  • Flexibility to move procedures & frequency limitations.
  • National network with 49,000 providers in California.
  • Bundles discount of 5% for 3+ lines of coverage (Principal 401k counts).
  • With one line of core coverage, groups can offer Voluntary Accident and Critical Illness (5+ lives or 10% participation).

Grow sales by helping business owners recruit and retain the best talent with affordable dental benefits. Learn more. 

Learn More

Relaxed Participation Requirements Extended
Through September 30th

Relaxed participation underwriting requirements for small business have been extended through September 30, 2018, requiring only 25% employee participation for groups with 5+ enrolled employees for medical, dental, vision, and life insurance plans (Off-Exchange plans only).

See an example of the relaxed participation requirements and get the details.

Get The Details

Did the IRS just reverse its recent reduction in Health Savings Account contributions? 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.

Increase Sales with 
Our Just Released
Q3-2018 Top 20 
Lowest Cost Medical 
Plans Reports
Principal: Flexible 
Dental Options That
Cost Less

Blue Shield of California:
Relaxed Participation 
Requirements Extended
Through September 30
Question of The Week

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Healthcare Reform
Knowledge Center

•  •  •

May 3
• Application Deadline
  - Delta Dental
May 4
• Application Deadline
  - Blue Shield of CA
  - MetLife
May 7
• Application Deadline
  - Beam
  - Choice Builder
  - Principal
  - UnitedHealthcare
• SVAHU Inaugural
  John Bobincheck
  Memorial Golf Classic
May 8
• OCAHU Lunch & CE
May 10
• Application Deadline
  - Humana
• DCAHU Lunch
• IEAHU Lunch
May 15
• VCAHU Meeting
May 17
• LAAHU Marketplace
  Changes in
  Long-Term Care
• SDAHU Lunch
• SVAHU Develop New
  Solutions for Your
May 18
• SAHU Golf Tournament
May 21
• CAHU Capitol Summit
  and Expo
May 25
• Application Deadline:
  - Chinese Community
    Health Plan
May 31
• Application Deadline:
  - Covered California
    for Small Business
  - Reliance Standard
June 1
• OCAHU Celebration
  of Women in Business
June 5
• Application Deadline:
  - Delta Dental

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As always, we'll keep you informed about healthcare reform issues and news affecting you and your clients. Our knowledgeable team is here to help you succeed.

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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