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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 PrismEmployers 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.
Blue 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.
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.