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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 PrismHear the latest from Health Net’s leadership team, including Q3-2026 small group rate and benefit updates.
Date & Time
Learn more about Health Net’s competitive and stable pricing, value-added programs, flexible guidelines, and other key updates for the quarter.
Get practical insights to stay ahead of market changes, refine your strategy, and better support 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.
Effective February 1, 2026, Community Medical Centers (CMC) facilities are no longer part of Blue Shield of California’s network. CMC’s affiliated PPO group, Community Health Partners (CHP), continues to serve a limited number of PPO members; however, some CHP providers may no longer accept Blue Shield members due to their out-of-network status.
Members enrolled in a Blue Shield PPO plan may choose to receive care from non-contracted providers, but out-of-pocket costs could be higher depending on plan design and any required prior authorization. Benefit details and cost-sharing responsibilities can be found in the member’s Evidence of Coverage (EOC).
Members who were in an active course of treatment with a CHP provider prior to February 1, 2026, may be eligible to continue receiving care at in-network benefit levels. Eligibility is determined through Blue Shield’s established Continuity of Care policy, and members must submit a request for consideration.
Members needing emergency services should call 911 or go to the nearest emergency room immediately, even if the hospital is out of network. Emergency services are covered according to the member’s plan benefits.
Members with questions should contact Blue Shield Customer Service using the number on the back of their member ID card.
With more than 150 years of industry experience, MetLife delivers a comprehensive and competitive employee benefits package that can be tailored to meet the needs of today’s diverse workforce.
True one-stop benefits strategy
MetLife provides Dental, Vision, Life, Disability, Accident, Critical Illness, Hospital Indemnity, Legal Plans, and Pet Insurance — helping employers simplify administration while enhancing employee value.
Flexible plan design
Customizable coverage options allow brokers to match benefits to employer budgets, workforce demographics, and recruitment strategies.
Strong employee-focused value adds
Innovative dental enhancements
MetLife PPO dental plans include access to 24/7 virtual dental and emergency visits, helping employees address issues early and stay engaged in preventive care.
Built-in well-being support
MetLife’s Employee Assistance Program provides confidential counseling and everyday life support services through TELUS Health — reinforcing employer commitment to workforce wellness.
MetLife’s combination of breadth, flexibility, and employee-focused services makes it a strong solution for brokers looking to help clients build a more complete and competitive benefits program.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Please join us in welcoming Connor Gray to our Claremont team as a Broker Service Representative.
Connor brings a background in computer science and a strong analytical mindset to his new role. Though new to the insurance industry, he has embraced the learning curve, jumped right in, and is quickly building the knowledge needed to support our broker partners.
“Connor has approached this new role with curiosity and focus,” shares Laura Hogsed, Service Manager. “He’s eager to learn, asks thoughtful questions, and is already demonstrating the problem-solving skills that are so important in serving our brokers well.”
As Claremont continues to grow, we remain committed to investing in talented professionals who strengthen our service team and enhance the support we provide to our broker community.
You can reach Connor at connor@claremontcompanies.com or 925.296.8824.
Employers want competitive ancillary benefits, and you want to simplify the complexity of quoting and managing multiple carriers across dental, vision, life, and wellness products. ChoiceBuilder solves this challenge by combining leading ancillary carriers into one streamlined platform for groups with 2–500 employees.
ChoiceBuilder allows employers to build a customized ancillary package anchored by dental and expanded with additional benefits:
Employers can mix employer-sponsored and voluntary plans to balance cost and employee choice. Download Choice Builder At A Glance flyer.
ChoiceBuilder brings together nationally recognized ancillary carriers into a single program, simplifying administration for brokers and employers. Participating carrier networks include:
All plans align with each carrier’s largest available provider networks, delivering broad access and strong in-network coverage. Download Network Guide.
ChoiceBuilder supports groups from 2–500 employees, including husband-and-wife businesses, with both employer-paid and voluntary options. Programs can be built in a simple step approach: select dental, then add vision, wellness, and life benefits as needed. Download Group Program Guidelines.
ChoiceBuilder makes it easy to deliver a complete ancillary benefits package with trusted carrier brands and strong networks—without the complexity of managing multiple vendors.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Blue Shield is requesting employer participation in its annual Medical Loss Ratio (MLR) survey for groups under 150 employees.
The Affordable Care Act requires health plans to spend a minimum percentage of premium dollars on medical care and quality improvement. To meet this requirement, carriers must confirm accurate group size data each year.
What brokers should do
Please encourage your Blue Shield small-group clients (under 150 employees) to submit their group size information by March 31, 2026.
How employers can submit
Online: Access the online survey, and use Group ID with web key #44n50c
Fax: Complete the print survey and fax to (855) 895-3497
Why it matters
Accurate group size reporting helps Blue Shield meet federal MLR requirements and ensures proper regulatory reporting.
Questions:
Access the MLR FAQs, or contact the Blue Shield MLR team: MLRassist@blueshieldca.com or (800) 352-5166
Pharmacy costs remain one of the fastest-growing components of employer healthcare spend. In response, Congress recently passed the Pharmacy Benefit Manager (PBM) Reform Act, alongside new Department of Labor transparency rules targeting PBM pricing practices. Learn more.
These reforms are designed to improve affordability and accountability in prescription drug benefits—an area that has historically lacked visibility for employers and brokers.
The legislation introduces two core requirements affecting group health plans:
This level of reporting significantly increases employer visibility into pharmacy benefit economics.
PBM reform signals a broader market shift toward transparent pharmacy pricing models. As these requirements take effect, brokers can expect:
Blue Shield has been an early advocate for PBM transparency and affordability initiatives. Notable efforts include:
As of 2026, Blue Shield reports full compliance with SB 41 requirements.
With tax deadlines approaching, eligible small businesses can qualify for federal tax credits of up to 50% on health insurance premiums–available exclusively through Covered California for Small Business (CCSB).
To be eligible, businesses must:
The tax credit is calculated on a sliding scale—smaller businesses with lower average wages qualify for higher credits. Employers can apply the credit directly to their Federal Tax Return. Use the CCSB Tax Credit Calculator to estimate potential savings.
To learn more, download the Small Business Tax Credit flyer and the How to Apply For The Tax Credit flyer.
Since 2014, thousands of small businesses have trusted CCSB for quality, flexible health coverage. With consistent double-digit membership growth, here’s why CCSB stands out:
Employee-Only Coverage
CCSB provides flexibility for employers to apply their full budget to employee coverage while dependents can access separate coverage and subsidies on the individual marketplace.
No Admin or Late Fees
Every dollar goes directly toward employer premiums.
Streamlined Onboarding
Quick quoting, simplified applications, and easy invoicing. Start-up groups need just two weeks of payroll, with monthly ACH payments accepted.
Fast Certification
No testing or annual re-certification—just a one-hour course to get started.
Multi-Carrier Portfolio
Employers and employees can choose from the top-tier PPOs and HMOs with affordable access to the broadest network of physicians and hospitals in California. Multi-state coverage is available for groups with employees out of state.
Exclusive Tax Credit
Eligible small businesses can qualify for federal tax credits up to 50% on premiums to help pay for the cost of providing quality health coverage for employees. (Contact us for help in determining employer eligibility.)
MyCCSB Portal
Employers and brokers can enroll employees, update plans, manage renewals, and more—all within 24 hours.
With California’s most comprehensive access to doctors and hospitals, CCSB offers flexibility, control, and convenience, including:
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Earn additional compensation for selling and retaining eligible groups of 2-99 lives by enrolling in Delta Dental’s Small Business Broker Rewards Program. You must register for this program first to qualify for the rewards, so visit ddsbrewards.com today to get started. Note: If you registered for the broker rewards last year, you will not have to register again this year.
New sales bonuses are based on number of new groups or total new annualized premium received for effective dates in 2026. As you sell and retain your existing business with Delta Dental, the rewards grow. This rewards program is on top of your existing standard small business commission.
Your retention bonus will be tied to your sales tier. For example, if you sell 15 new groups and retain 90% of your existing book of business, you’ll qualify for a 1.5% retention bonus. But if you sell 15 new groups and retain 95% or more, you’ll qualify for 2% bonus.
Sign up for the rewards program and access the small business broker rewards dashboard to easily track your reward earnings. Brokers who have joined in previous years just need to log in to be eligible for additional compensation in 2026. To learn more, download the flyer.
Delta Dental Broker Rewards Program
Notes:
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Covered California for Small Business (CCSB) serves as an administrator for the participating Health Plans and is therefore not subject to RxDC data collection requirements on behalf of employer groups. However, CCSB has been actively engaged with participating Health Plans to understand their approach to meeting the RxDC reporting requirements. Below find a summary of approaches taken by the three Health Plan Issuers. If you have further questions, CCSB recommends to reach out to the Health Plan directly.
Blue Shield of California issued a Broker Alert detailing instructions for the submission of group data via an intake form. The deadline for the submission of this form is Friday, April 10, 2026.
The following information is required to complete the form:
Kaiser Permanente is compiling and submitting the required data on behalf of their employer groups.
Sharp Health Plan will be contacting their employer groups directly to obtain the required information. In addition, they will be sending a broker and employer alert informing all brokers and CCSB employers of the RxDC reporting requirement.
Questions?
Contact our CCSB expert team at 800.696.4543 or info@claremontcompanies.com.