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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.


Enhances Ancillary Coverage

UnitedHealthcare enhances the dental plans in Dental Simplified 2.0, relaxed underwriting guidelines, and adds an EAP benefit to Life/AD&D benefits as a pilot for effective dates January 1 - July 1, 2019.

Dental Plan Enhancements Include:

  • Gold plans now offer $5000 calendar year maximum.
  • Platinum and Silver plans upgrade out-of-network benefit to 90th UCR.
  • Orthodontia is now available to groups with only 5 eligible employees.
  • UCR plans with Endo/Perio in basic down to only 2 eligible employees.

EAP Program
EAP will be included at no cost with Life/AD&D benefits, in addition to the standard no-fee Beneficiary Services, Travel Assistant, Wealth Management, and Will and Trust benefits.

Get the Dental Simplified 2.0 and EAP Program details. 

Get The Details

Leverage The Special Enrollment Period (SEP)

If you have clients that are unable to meet carrier participation requirements, have dual-carriers, or that don't meet employer premium contribution requirements, the small group SEP is a great solution.

By law, all carriers are required to offer the SEP one time per year with $0 contribution requirement and no minimum participation requirement for small groups. The application period runs November 15 - December 15, 2018 for coverage effective January 1, 2019. Carrier administration of the SEP may vary slightly, including recertification at renewal, so check out our comparison. Download our Carrier SEP Guide.

Download Our Carrier SEP Guide

My client now has more than 50 employees, are they required to offer health coverage? 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.

Enhances Ancillary
Leverage The Special
Enrollment Period
Question of The Week

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Healthcare Reform
Knowledge Center

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October 31
• Application Deadline:
  - Reliance Standard
November 5
• Application Deadline:
  - Delta Dental
November 6
• Application Deadline:
  - Blue Shield of CA
  - MetLife
November 7
• Application Deadline:
  - Beam Dental
  - Choice Builder
  - Principal
  - UnitedHealthcare
November 8
• NCAHU Holiday Mixer
November 9
• Application Deadline:
  - Humana
November 13
• VCAHU Webinar
  Alternative Funding
  Group Health Benefits
November 14
• SAHU Medicare Trends

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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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