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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.
Login To PrismBlue Shield will be collecting D1 Premium Contribution data on behalf of employer groups to meet the Consolidated Appropriations Act, Section 204 (2021) reporting requirements for Prescription Drug Cost Reporting (RxDC).
According to Blue Shield, employer groups or brokers with access to Employer Connection account are encouraged to complete the RxDC Reporting Survey in the portal.
Employer groups or brokers without access to Employer Connection, are able to submit the required information via the Prescription Drug & Healthcare Spending Survey link. Once the link is accessed, the employer group or broker will need to enter in the Group ID# following the key: #26yr25
Deadline to submit information is April 10, 2026. Groups that do not provide their D1 data by the deadline will not be included in Blue Shield’s filing and must report directly to CMS to avoid potential non-compliance.
Blue Shield will submit D2 as well as D3-D8 for employer groups with prescription drug benefits under a Blue Shield health benefit plan. All data reflects the 2025 calendar year.
For any additional information on the RxDC Reporting Survey, please refer to the Prescription Healthcare Spending Survey FAQs.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Beam Benefits offers a full suite of ancillary benefits that are easy to understand, easy to implement, and even easier for members to use.
Beam provides a comprehensive, one-stop solution to round out your client’s employee benefit package, including:
Dental, Vision, Life, Disability, Accident, Critical Illness, and Hospital Indemnity coverage. Beam dental plans are competitively priced and deliver feature-rich options that work for a wide range of group clients.
Beam dental plans offer flexible benefit designs with annual plan maximums ranging from $1,000 to $5,000. All plans include the following features standard:
Child and Adult Orthodontics are available for groups with as few as two enrolling employees:
Beam dental networks provide access to 500,000+ nationwide access points, including 45,000+ providers in California.
Networks include:
Beam Direct, Careington, Connection Dental, DentemaxPlus, First Dental Health, Maverest, and Dental Benefits Providers (DBP).
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Blue Shield of California is currently in good-faith negotiations with Community Medical Centers (CMC) to reach an agreement that supports affordable healthcare costs.
If an agreement is not reached, select CMC hospitals—including Clovis Community Hospital, Community Regional Medical Center, and Fresno Heart and Surgical Hospital—will be out of network for Blue Shield members effective February 1, 2026. Blue Shield maintains a strong Fresno County network, with alternative in-network hospitals such as St. Agnes Medical Center and Valley Children’s Hospital.
CMC’s affiliated medical group, Community Health Partners, serves a limited number of Blue Shield PPO members. If CMC terminates its contract, services with this group would be billed at out-of-network rates.
Notifications to impacted members will begin January 27, including members who received care at a CMC facility within the past 12 months or who live within a 15-mile radius of a CMC facility. Updates will be shared as negotiations continue.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
New group applications can now use the census enrollment tool when applying for California Choice coverage
Download the Census Enrollment Tool Highlights
Video: How To Use the Census Enrollment Tool
When you submit a California Choice new group application through Claremont, you’ll receive employee-level confirmation that each employee is enrolled in the correct carrier and plan. Whether you choose a traditional application or census enrollment, our team ensures your group is set up accurately from day one.
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
CaliforniaChoice is the only small group (1-100 employees) private exchange for employee benefits in California. Partnering with seven top health plans and 18 provider networks, CaliforniaChoice offers a variety of full and limited network HMOs, PPOs, and other benefit options to choose from – all at different price points so you can help your clients control costs and offer their employees choices. Learn more.
With CaliforniaChoice, you can offer multiple health plans side-by-side in a single employee benefits package. That means you only have to learn one product and run one quote, while still giving your clients the value of choice.
Attend this broker webinar to learn about:
Join Health Net to hear about their continued competitive and stable pricing, value add programs, flexible guidelines and more.
When:
Wednesday, January 28, 2026
10:00am PST
Hosted by Crystal Given and Ryan Bradley, with Guest Speaker Dr. Todd May.
Learn more about Health Net’s versatile health plans, ancillary coverage, wellness programs, and value-added services.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Stay informed with the latest industry insights from Health Net’s Executive Sales Team. Don’t miss the next session in the Health Net Market Insights Webinar Series, hosted by Commercial Officer Alyson Stone.
This quarter’s agenda features timely updates and market expertise, including:
Date & Time
Tuesday, February 17, 2026
11:00 a.m. – 12:00 p.m. PT
Gain valuable knowledge to help you navigate evolving market trends, strengthen your strategy, and better serve your clients.
Learn more about Health Net’s versatile health plans, ancillary coverage, wellness programs, and value-added services.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
California Senate Bill 729 (SB 729), signed into law by Governor Gavin Newsom on September 29, 2024, requires fully insured large group health plans (covering 101 or more employees) to provide coverage for the diagnosis and treatment of infertility, including in vitro fertilization (IVF). The original effective date of July 1, 2025, was delayed to January 1, 2026, by AB 116, allowing insurance carriers and employers additional time to update benefits, systems, and communications for compliance.
Beginning January 1, 2026, SB 729 infertility coverage applies to both large and small group health plans issued, amended, or renewed on or after that date. SB 729 broadens the definition of infertility to be more inclusive, recognizing individuals and couples—regardless of sexual orientation or marital status—who are unable to conceive without medical intervention. The law includes coverage for up to three completed oocyte retrievals and unlimited medically appropriate embryo transfers, and it prohibits health plans from imposing more restrictive conditions or limitations on fertility services than those applied to other covered medical services, promoting more equitable access.
For small group health plans (covering 100 or fewer employees), the law requires carriers to offer the option to include infertility and fertility services coverage. Employers are not required to purchase this coverage; they may choose whether to include it based on their benefit strategy and budget. Small group carriers have taken different approaches to offering infertility benefits. Some carriers offer plan designs with and without infertility coverage, allowing employees to choose between plan options. Other carriers offer infertility coverage as an optional benefit that, if elected by the employer, applies to all enrolled employees. In general, plans that include infertility coverage may have a modest rate load compared to the same carrier’s comparable plans without infertility; the actual impact will vary by carrier and specific plan design.
Health Net Infertility Benefits 2026
Health Net announced plan and rate updates for Q2 effective dates, plus continued simplified underwriting:
Enhanced Choice
Flexible Underwriting
Learn more about Health Net’s versatile health plans, ancillary coverage, wellness programs, and value-added services.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Blue Shield of California’s Q2 2026 Small Business portfolio is now available for quoting with an average statewide rate action of 2.3%.
Groups with renewal dates in April, May, and June are now available to download. Visit the Blue Shield Small Business Renewal Center for downloads and deadlines.
Beginning January 1, 2026, Blue Shield will directly manage the behavioral health benefit for all members including those receiving applied behavioral analysis (ABA) services. With Blue Shield Behavioral Health, members have access to an expanded, quality network of behavioral health providers. This centralization effort allows for better coordination of care between primary care physicians, specialists, and behavioral health providers. Learn more
Employer Enrollment Tool Resources
Q2 2026 Broker Sales Guide – Medical Plan, Small Business
Small Business Rewards Program for Brokers
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
CaliforniaChoice has announced rates are now live for April 1 – June 1 effectives dates.
Medical plan rates are changing for Anthem Blue Cross, Sharp Health Plan, and UnitedHealthcare. Rates are not changing for Kaiser Permanente, Sutter Health Plan, and Western Health Advantage.
The annual rate trends from Q2 2025 to Q2 2026 (trends may vary by plan and region):
Q2 plans are now available for quoting through PRISM, our free and easy online quoting system. Or reach out to your Claremont team for help with your Q2 renewals.
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
CaliforniaChoice is the only small group (1-100 employees) private exchange for employee benefits in California. Partnering with seven top health plans and 18 provider networks, CaliforniaChoice offers a variety of full and limited network HMOs, PPOs, and other benefit options to choose from – all at different price points so you can help your clients control costs and offer their employees choices. Learn more.
With CaliforniaChoice, you can offer multiple health plans side-by-side in a single employee benefits package. That means you only have to learn one product and run one quote, while still giving your clients the value of choice.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.