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Starting July 1, Covered California for Small Business (CCSB) is offering new Blue Shield plans, providing more options for enrollees. These plans include the Access+ HMO Network with Platinum, Gold, and Silver metal tier options, as well as the Bronze Trio HMO 7000/70. The two most popular Blue Shield High Deductible Health Plans (HDHP), Silver Full PPO Savings 2300/25% and Bronze Full PPO Savings 7000 plans, are also now available.
All of these plans offer benefits such as Wellvolution, Teladoc Mental Health, Nurse Help 24/7, LifeReferrals 24/7, and the Blue Card program for when members are outside of California.
For assistance, please contact our Quotes team at quotes@claremontcompanies.com or 800.696.4543.
Login To PrismIf your clients have 50 or more full-time (FTE) employees, they must report health insurance coverage information to the IRS by April 1, 2024. Join this informative webinar to learn everything you need to know about the Affordable Care Act (ACA) reporting requirements and deadlines for 2023.
Led by ACA expert Joe Aitchison, this webinar will cover key filing details and what employers need to do if they receive an IRS penalty notice. You’ll also get helpful tips for both first-time and experienced filers. Whether you’re new to ACA reporting or simply need a quick refresher, this webinar has practical tips to ensure your fully insured and self-funded clients stay compliant.
This Webinar Will Cover:
Details:
The first 60 minutes will focus on the above topics with the remaining time devoted to Q&A and information about TASC’s ACA Filing Service. This course is approved for 1.0 HRCI and 1.0 SHRM-CP advanced credits (live attendance only). Register to attend now.
About Joe Aitchison, SPHR, SHRM-SCP, CHRS
Joe provides Business and HR client advisory services and HR out-source services nationally. He is a Human Resource professional with over 25 years of business management and HR consulting experience. He has worked with multi-plant International Tier I Automotive Manufacturing, retail, food processing, health care, legal administration, and professional services.
Mr. Aitchison is recognized as a leader in human resources and has obtained a lifetime certification as a senior professional in human resource management, SHRM – Senior Certified Professional and Healthcare Reform Specialist by the Healthcare Reform Center & Policy Institute. Mr. Aitchison serves on several for-profit and not for profit boards.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Claremont COO, Ken Ruotolo, is retiring at the end of the year after more than twelve years of company service. Ken’s been a huge part of the Claremont family since 2011, helping us hit some major goals and inspiring us all with his focus and determination.
“Ken’s contributions to Claremont have been numerous,” said Michael Traynor, Claremont President. “From leading us through ACA implementation, to his commitment to customer service excellence, and his development of strategic business partnerships, Ken has been key in advancing our company mission. We wish him all the best in his upcoming world travels, continued community work, and exploration of California’s best salmon runs.”
“Moving into this next phase is bittersweet,” said Ken. “While I look forward to spending more time on personal and family activities, I will genuinely miss engaging with our clients and partners, and I will especially miss my coworkers. They are some of the most professional, dedicated and nicest people I’ve worked with in 40 years as a business professional. They always put our clients and partners first by bringing thoughtful solutions to both challenges and opportunities. It’s rare that one has the opportunity to be part of such a special team.”
Please email your congratulations and best wishes to Ken at kruotolo@claremontcompanies.com.
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Earn more with Humana in 2024 with their Producer Partnership Plan.
Group Benefits Bonus: Previously known as the Specialty Growth Bonus, the Group Benefits bonus qualifications will remain the same as the 2023 Specialty Growth Bonus.
Group Benefits (Dental, Vision, Life & Disability): In 2023, Humana added commissions and bonus qualifications for their new Disability plans. In 2024, they will continue to expand Disability into more markets for more opportunities to earn commission and bonuses.
Humana is sunsetting their traditional Leaders Club Program for 2024, but will be releasing a new Producer Recognition Program in the upcoming months.
For details, download the 2024 Producer Partnership Plan brochure.
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.
A new California law bans ground ambulance operators from balance billing patients starting January 1, 2024. Signed into law by Governor Newsom on October 8, 2023, AB-716 limits how much a non-network ambulance operator can charge patients to the amount they would pay for an in-network ambulance. The law applies to state-regulated commercial health plans, including fully insured Small Group plans.
While federal and some state laws ban balance billing for hospital and air ambulance charges, most states, until now, allowed the practice for ground ambulance services – despite patients having no control over which ambulance provider responds in an emergency.
In California, nearly three-quarters of ground ambulance rides result in surprise out-of-network bills, with average charges over $1,200 – the highest in the U.S. Under the new California law, over 14 million state residents with commercial health plans will save an average of nearly $1,100 per emergency ambulance ride and over $800 for non-emergency transports. Health plans will be required to pay county-set ambulance rates, which are approximately $2,000 higher than current insurer payments per ride. But with ambulance services accounting for a small fraction of overall health spending, premium increases should be minimal. Get the details.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Christmas
New Year’s
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Get The Latest News with Text Messaging!
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.
All health insurance carriers have a legal obligation to provide small businesses (1-100 employees) with a Special Enrollment Period (SEP) once per year, from November 15 through December 15, 2023 – for medical coverage starting January 1, 2024. This limited opportunity allows employers to enroll in coverage with no minimum participation requirements or employer premium contributions.
Our easy-to-use Carrier SEP Guide for January 2024 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.
The IRS has released the 2024 contribution limits for Flexible Spending Accounts (FSAs), Health Savings Accounts (HSAs), commuter benefit plans, and adoption assistance programs. For a summary of the 2024 amounts and plan limits, check out BRI’s overview by plan type and access the IRS official announcements.
*Includes limited purpose FSAs that are restricted to dental and vision care services, which can be used in tandem with HSAs.
To learn more visit Benefit Resource (BRI) and SHRM.
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.
Easily help your small business clients and their employees choose the right Health Savings Account (HSA), Health Reimbursement Arrangement (HRA), and Flexible Spending Account (FSA) plan during open enrollment with the Sterling Administration HSA, HRA, and FSA Comparison Guide.
HSA, HRA, and FSA Comparison Guide
Health Savings Account (HSA)
Employers minimize health benefit costs by offering high-deductible health plans (HDHPs) paired with HSAs which require less paperwork than traditional plans, reducing administrative costs. HSAs provide employees added value: unspent funds aren’t forfeited, contributions, growth and withdrawals see triple tax savings, there is investment growth potential, and employees have the option to pay for non-medical expenses from the HSA if needed. Pairing an HDHP with an HSA cuts employer costs while giving employees a valuable, flexible health savings option.
Health Reimbursement Arrangement (HRA)
HRAs encourage employees to be smart healthcare consumers. With an HRA, employers set aside annual funds for employees to use towards health expenses like deductibles and coinsurance not covered by their regular plan. Only employers contribute to these accounts, which offer flexibility in design to meet specific needs. As one of the most adaptable benefits, HRAs are an attractive option for employers to help employees pay healthcare costs.
Flexible Spending Account (FSA)
FSAs are frequently paired with traditional health plans since HDHP enrollment is not required. Traditional plans limit out-of-pocket expenses, allowing employees to better estimate annual medical expenses by calculating projected copays, deductibles, coinsurance, etc. FSAs are intended for spending on healthcare expenses within the plan year, though some plans build in added flexibility
Get Help with HSAs, HRAs, and FSAs
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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Effective January 1, 2024, Beam Benefits is making some changes to its Value-Added Services for life and disability products.
Employee Assistance Program (EAP)
Beam Benefits is discontinuing the current Employee Assistance Program (EAP) as a value add service with Beam Life benefits plans. This change does not affect your group(s) life coverage through Beam Benefits and the change does not apply to Beam’s new Hartford disability products.
Two New Value-Added Services
Beam Life members can take advantage of two new Value-Added Services at no additional cost:
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.
Celebrate the holiday season with friends and colleagues at the festive CAHIP Silicon Valley holiday party and toy drive. This event is the perfect chance to take a break from the busy season to socialize and get into the holiday spirit while supporting children in need by donating a new toy for Santa Clara County Sheriff’s Office gift distribution.
To learn more, contact SVAHU at 877.748.0815 or info@svahu.org. Limited seating is available. Register now.
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.