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New Cigna + Oscar (C+O) small group sales and renewals will not be offered in 2025. At C+O’s request, all plans and rates have been removed from the quote engine. However, you can still quote or renew your C+O groups through December 15, 2024 by contacting us at quotes@claremontcompanies.com or 800.696.4543. Please note: the last day of coverage will be December 14, 2025.
For assistance, please contact our Quotes team at quotes@claremontcompanies.com or 800.696.4543.
Login To PrismIn the face of the devastating wildfires in Southern California, Blue Shield of California is ensuring members retain access to critical medical resources and services, including:
Blue Shield of California is here to support members through the hardships of wildfires, offering help, hope, and access to care they need during this challenging time.
For more details on available resources, members can visit Blue Shield’s website or contact customer service directly using the number on their Blue Shield ID card or 800.393.6130.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.
In a historic milestone for Blue Shield of California, Lois Quam has been appointed CEO, becoming the first woman to lead the organization in its 86-year history. She joined the company as president in 2024 after serving as CEO of Pathfinder and brings decades of leadership experience, including a position at the U.S. Department of State, where she led the Global Health Initiative.
Renowned for her vision and ability to address complex challenges, Quam is well-prepared to guide Blue Shield toward its mission of delivering accessible and equitable healthcare to all Californians. Her leadership is expected to usher in a period of innovation, collaboration, and meaningful change, advancing the organization’s goal of improving health outcomes across the state.
To further enhance and improve access to care for its nearly six million members, Blue Shield has established a new nonprofit corporate entity named Ascendiun, which became effective January 1. Paul Markovich, who served as Blue Shield’s CEO for 12 years, has been named president of Ascendiun. These strategic changes highlight Blue Shield’s unwavering commitment to delivering quality, affordable healthcare for all Californians. Learn more.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Blue Shield of California offers tailored, comprehensive health benefits for small businesses, ensuring high-quality, accessible, and affordable healthcare for employees. Below are the key updates for Q2-2025.
Reminder: Blue Shield withdrew three dental plans effective January 1, 2025:
For more information, refer to the Q2-2025 Blue Shield Specialty Sales Guide.
The Relaxed Participation Program has been extended through December 31, 2025.
The 10% specialty discount is a perpetual program that is applied to the dental and/or vision premium when a dental and/or vision plan is added to a new or existing small business medical group. Learn more.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Beam Benefits is discontinuing its Perks program, centered on their smart toothbrush, to prioritize sustainable and innovative solutions that better serve clients. Enrollment in the program has declined to just 4% of eligible members, while rising costs have made it unsustainable. By reallocating resources, Beam plans to enhance its core offerings, including customizable dental plans, innovative tools like Beam Elect and BeamSign, and a comprehensive suite of ancillary benefits for dental, vision, life, and disability products.
Members may continue to use Perks items already received, but physical products will no longer be available after May 2025. Beam remains dedicated to delivering exceptional benefits and service, while ensuring long-term value for brokers, groups, and members. Get the details.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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The small group Special Enrollment Period (SEP) is a valuable opportunity to grow your book and help small businesses that are typically ineligible for group coverage.
During the small group SEP, November 15 to December 15, insurance carriers are required by law to accept applications from small groups (1-100 employees) without participation or employer contribution requirements. This limited time opportunity is the perfect chance to offer coverage solutions, even to businesses that don’t meet the usual criteria.
Our easy-to-use Carrier SEP Guide for January 2025 medical coverage can help you and your small groups quickly compare carrier deadlines and details.
Please note: the Special Enrollment Period is different than the relaxed participation promotions. These carrier promotions are usually offered for a specific time period and may be discontinued at any time.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.
Blue Shield of California remains committed to providing small businesses and their employees with accessible, affordable, high-quality health benefits. Below is a summary of the 2025 updates to the pharmacy program and Tandem network.
As part of the Pharmacy Care Reimagined initiative, Blue Shield is implementing several pharmacy updates for 2025, including:
The 10% specialty discount is a perpetual program that is applied to the dental and/or vision premium when a dental and/or vision plan is added to a new or existing small business medical group. Learn more.
The Relaxed Participation promotion has been extended through December 31, 2025.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.
The Internal Revenue Service (IRS) has released the 2025 employee contribution and benefit limits for Flexible Spending Accounts (FSAs), Health Savings Accounts (HSAs), and commuter benefit plans. For a summary of the 2025 amounts and plan limits, check out BASIC’s overview and access the IRS official announcement.
To learn more visit BASIC and access the IRS announcement.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.
AB 1048 – a recently passed California state law – impacts dental insurance plans in 2025. AB 1048 prohibits fully insured large group dental plans from imposing a dental waiting period or preexisting condition provision for any plan year beginning on or after January 1, 2025.
Humana is updating their fully insured Group Benefits dental plans in California to meet new state regulations effective January 1, 2025.
Removed from plans:
Details important to you and your clients:
Claremont will keep you updated as other carriers announce their updates in response to the law.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Offer your clients premium mental health benefits with Beam’s new partnership with Headspace.
By uniting therapy, psychiatry, on-demand coaching, and guided meditations, Headspace Care delivers an affordable, accessible, and connected system tailored to meet the diverse needs of employees and their families.
Learn more about the new premium mental health benefits, including the key differences compared to the Headspace benefits bundled with some California medical health plans.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Humana continues to expand its dental network significantly, offering members more access and improved value. With an increased focus on delivering seamless experiences, brokers can rely on comprehensive tools, expert support, and efficient solutions to meet their needs and enhance member satisfaction during Q4 and beyond.
As always, contact Claremont for details at 800.696.4543 or info@claremontcompanies.com.
Earn a bonus and provide extra financial protection for your clients’ employees.
To earn a bonus, place NEW Humana short- and/or long-term disability with an initial effective date of coverage between October 1, 2024 through January 1, 2025. The bonus can be earned in one of two ways:
New 5-49 Enrolled Humana Disability Cases:
To learn more, download the Disability Plans Bonus flyer.
Intended for specialty lines of coverage of all sizes, the Humana 2024 Group Benefits Growth Bonus (formerly known as the Specialty Growth Bonus) is paid once annually, within 60 days after the January 31, 2025 program end date.
Bonus Program Highlights
Eligible Products
The 2024 Group Benefits Growth Bonus qualifications remain the same as the 2023 Specialty Growth Bonus. To learn more, download the Group Benefits Bonus flyer and the 2024 Producer Partnership Plan brochure.
Sell a Bundle, Earn a Bundle! To earn a bonus, sell a new Humana dental line of coverage with at least one additional Group Benefits line of coverage with the same employer group with an initial effective date of coverage between April 1, 2024 through January 31, 2025.
Group Benefits Lines of Coverage
To learn more, download the Dental Bundling Bonus flyer.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.