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PRISM - Health Net is Now Available Through Claremont!

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.

CaliforniaChoice Q1-2023 Plan and Rate Updates

Oct 17, 2022, 4 Minute Read

Did you miss the October 12th webinar?

View the webinar on-demand to learn what’s new and changing for 2023, important health plan updates and reminders, the marketplace, and what you can expect from CaliforniaChoice. Below is a brief summary of what was covered in the webinar.

View The Webinar

Summary of Plans and Rates

CaliforniaChoice Portfolio

2022 New Networks, New Plans

Cigna + Oscar is available out-of-state.
2 new Anthem Priority Select plans.
6 new UnitedHealthcare plans with benefit parity across multiple networks in Platinum/Gold.
UnitedHealthcare Harmony Network expands into Northern California.
New Health Net Gold plan.
New Kaiser Permanente Gold plan.

2023 Plan Updates

20 new medical plans. New networks from Anthem Blue Cross, Cigna + Oscar, Health Net, and UnitedHealthcare in all four metal tiers.
2 new networks. Open Access Plus is a new full network from Cigna + Oscar and SmartCare is a new network from Health Net.
More choice. Your clients can choose from more networks and plans for January 1, 2023.

4 New Anthem Blue Cross Plans

Bronze PPO C – Prudent Buyer Small Group
Bronze PPO D – Select PPO
Silver PPO D – Prudent Buyer Small Group
Silver PPO E – Select PPO

8 New Cigna + Oscar Plans

Bronze EPO E – Open Access Plus (full network)
Bronze EPO F – LocalPlus
Silver EPO F – Open Access Plus (full network)
Silver EPO G – Open Access Plus (full network)
Gold EPO F – Open Access Plus (full network)
Gold EPO G – Open Access Plus (full network)
Platinum EPO F – Open Access Plus (full network)
Platinum EPO G – Open Access Plus (full network)

5 New Health Net Plans

Silver HMO D – Full
Gold HMO H – SmartCare
Gold HMO I – SmartCare
Platinum HMO I – SmartCare
Platinum HMO J – SmartCare

3 New UnitedHealthcare Plans

Platinum HMO B – Signature Value
Platinum HMO M – Harmony
Platinum HMO N – Alliance

Employer-Friendly Budgeting – Defined Contribution

Set it and forget it.
Employee health care allowance.
Fixed budget per employee.

2022 New Business Tiered Choice

The Member Marketplace (Coming Soon)

Features additional products and services from MetLife to enhance your clients’ protection, such as accident, hospital indemnity, and critical illness coverage, and legal plans.

ChoiceBuilder (2-500 Employees) Portfolio

Networks

DeltaDental

DHMO – DeltaCare HMO Network
Silver and Gold PPO – Standard PPO Network
Platinum PPO – Premier PPO Network

Ameritas

All PPOs – Classic PPO Network

MetLife

All PPOs – PDP Plus Network
New employer-sponsored life insurance option is available for coverage effective December 1, 2022 and later. Now your clients can choose from two life carriers.

Anthem Blue Cross

All PPOs – Anthem Complete Network

VSP

All Plans – Choice Network

EyeMed

All Plans – Access Network

Special Enrollment Period (SEP)

For coverage effective January 1, 2023, your clients must enroll between November 15th and December 15th. And they must still meet the small group employer qualifications.

Underwriting Enhancements

CaliforniaChoice

Start-up groups of 5+ subscribers eligible with 1 week payroll; start-up groups of 1-4 subscribers eligible with 4 weeks of payroll.
No ID cards for participation/waivers do not require a policy number.
Submit current prior carrier bill(s) in lieu of a DE9C for groups of 6 or more subscribers.
PEO split-off and subscriber group friendly.

ChoiceBuilder

NO DE9C/payroll required.
No wait for major services on all employer-sponsored benefits.
Write ChoiceBuilder alongside California Choice for a waived admin fee.
eSignatures accepted.

CaliforniaChoice is a private exchange employee benefits program specializing in saving small businesses on healthcare costs while offering more choices than any single health plan option.

What makes CaliforniaChoice different for your clients:

Employers define what they can afford, and employees use that amount toward the health plan options they like best.
Easy administration – everyone is on one monthly bill.
Outstanding A+ rated customer service.
Free services like HR support, FSA, and COBRA administration.

With CaliforniaChoice, employees get:

The freedom to choose the health plan they want – it’s their choice!
A huge selection of HMO, PPO, EPO, and high deductible plan options.
Access to 80,000+ doctors and 400+ hospitals.
Big discounts on dental, vision, hearing, Rx, wellness products, entertainment, and more.

Q1-2023 rates are now available. Contact us today for a CaliforniaChoice quote.

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

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