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Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

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.

CaliforniaChoice 2024 Broker Webinar

Posted October 2, 2023 by Lori Berson

Staying current in the evolving health insurance landscape is key to your success. To get exclusive need-to-know updates for January 1, 2024, join the CaliforniaChoice broker webinar on October 11th at 10:00 am.

This 30-minute webinar will give you:

An overview of January 1, 2024 changes and how they’ll impact your business.
Important reminders on recent portfolio updates and the value to your clients.
A Q&A session to get your pressing questions answered.

By attending, you’ll gain exclusive intel to outpace your competitors in 2024. And you’ll leave informed and equipped with the knowledge to thrive next year and beyond.

Register now for this must-attend webinar! Seats are limited.

Register Now!

What makes CaliforniaChoice different for your clients:

Employers define what they can afford, and employees use that amount toward the health plan options they like best.
Easy administration – everyone is on one monthly bill.
Outstanding A+ rated customer service.
Free services like HR support, FSA, and COBRA administration.

With CaliforniaChoice, employees get:

The freedom to choose the health plan they want – it’s their choice!
A huge selection of HMO, PPO, EPO, and high deductible plan options.
Access to 80,000+ doctors and 400+ hospitals.
Big discounts on dental, vision, hearing, Rx, wellness products, entertainment, and more.

Contact us today for a CaliforniaChoice quote!

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

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.

Kaiser Permanente – Small Group Broker Bonus Program

Posted August 21, 2023 by Lori Berson

Earn a Kaiser Permanente $100 bonus, per enrolled member when you enroll at least 10 members from a qualified, new small group through CaliforniaChoice, Covered California or Kaiser Small Business. October 1, 2023 – January 31, 2024 effective dates.

Example

Earn a $2,100 bonus when you sell a new group with 30 full-time employees and enroll 21 new members with Kaiser Permanente.

21 enrolled members x $100 = $2,100.

Combine Bonuses to Maximize Your Income

This bonus is on top of your regular commission and standard broker reward programs such as the Total Replacement and Group Production rewards. Download the flyer for details.

Start earning more on new small group sales! Contact us today for a quote.

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

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.

CaliforniaChoice – Sutter Health Plus Expands Employee Access

Posted July 24, 2023 by Lori Berson

Sutter Health Plus is now accessible to employees, regardless of their employer’s location, for new and renewing CaliforniaChoice groups effective October 1, 2024.

Example: Employers located in Los Angeles County, outside the Sutter Health Plus Service Area, can now offer Sutter Health Plus coverage to their employees who are located within the service area. This option is especially appealing to employees seeking access to esteemed healthcare providers like Brown & Toland Physicians, Mills-Peninsula Physician Network, Palo Alto Medical Foundation (PAMF), Sutter East Bay Medical Foundation and Sutter Medical Group (Solano/Redwoods).

For more information on CaliforniaChoice and Sutter Health Plus, including Q4 details, rating region information, and quotes, contact us today.

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

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.

CaliforniaChoice Q3-2023 Updates

Posted June 12, 2023 by Lori Berson

Effective July 1, 2023, CaliforniaChoice has expanded its portfolio to include an Anthem Blue Cross full network Platinum PPO plan. The newly introduced Platinum PPO A plan offers access to the full statewide Prudent Buyer PPO network. The plan is also available to out-of-state employees. For details, download the Q3 Benefit Summaries brochure.

Q3-2023 Rates

Rates are now available for quoting through PRISM, our free and easy online quoting system.

Contact us today for a CaliforniaChoice quote!

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

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.

CaliforniaChoice – Designed For Brokers to Sell

Posted November 14, 2022 by Lori Berson

With complex provider networks and competing underwriting requirements of the various carriers in California, selling group health insurance isn’t easy. That’s why CaliforniaChoice, the private exchange with the state’s largest portfolio of plans and networks, has spent 26 years simplifying the employee benefits process so you can focus on building your business.

You Get

Online enrollment and account management resources.
Competitive commissions.
Easy renewals. Each year, clients and employees can adjust their contribution and plan selection to meet any budget.

Advantages

Cost control through Defined Contribution.
Employers define their budget and lock it in for 12 months. Employees apply their employer’s contribution to the health plan and benefit design they choose. If an employee selects an option that costs more, they simply pay the difference.
Huge selection of HMO, PPO, FSA, EPO, and high deductible plan options.
Employees can choose from 70+ options from eight top California carriers and health plans. No minimum participation between health plans. Includes the new Member Marketplace supplemental products.
Smart Decision technology.
Tools designed to help your clients enroll and find the right health plan for their individual needs, including online enrollment, online provider and Rx directories, and a plan comparison tool.
Access to 80,000+ doctors and 400+ hospitals.
Discount dental, vision, chiropractic/acupuncture, and life plan benefits.
No-cost extras like Premium Only Plans, COBRA, and Mineral HR.
Cal Perks Discount Program
Discounts on movie tickets, theme and water parks, sporting events, hotels, car rentals, vacation packages, tax services, weight management and more.
California Rx Card
Savings of up to 75% at more than 68,000 pharmacies nationwide including CVS, Rite Aid, Target, and Walgreens.
Easy single-source administration.
One consolidated bill for simple administration.

CaliforniaChoice Plans

Medical Partners
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.

CaliforniaChoice Medical Plans

Optional Benefit Partners
Dental, vision, chiropractic, acupuncture, and life benefits that can be bundled in a single package.

CaliforniaChoice Optional Benefit Partners

Additional Product and Service Partners
Your clients have access to a range of value-added benefits at no extra cost.

CaliforniaChoice Additional Product and Service Partners

CaliforniaChoice Resources

Contact us today for a CaliforniaChoice quote!

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

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.

CaliforniaChoice Launches ‘Member Marketplace’

Posted October 31, 2022 by Lori Berson

CaliforniaChoice medical clients can now offer enrolled employees the new Member Marketplace, an employee-friendly portal for purchasing and enrolling in popular, vetted and affordable supplemental products directly from MetLife. Typically these products are only available to large group clients.

Included MetLife Products (with links to PDFs)

Accident Insurance
Provides a lump-sum payment to be used as your clients see fit.
Critical Illness Insurance
Helps your clients have the financial stability necessary to focus on healing during a difficult time by providing one lump-sum payment.
Hospital Indemnity Insurance
Supplements existing health insurance coverage by helping pay for hospital stays.
Legal Plans
Offer access to an experienced network of attorneys who will provide consultation and representation on diverse issues.

These products are only available to members enrolled in a CaliforniaChoice medical plan. Employees waiving medical coverage will not have access to the Member Marketplace.

Marketplace Advantages

Broker Advantages

Earn a 5% commission for the life of the policy.
No appointment with MetLife necessary.
CaliforniaChoice members work directly with MetLife.
Get paid each time a member from any of your CaliforniaChoice groups enrolls in any Member Marketplace product(s).
Option to opt-out your CaliforniaChoice groups from receiving Member Marketplace marketing. Log in to calchoice.com and go to My Profile and select Preference/Setting to choose which groups you’d like to opt-out.

Member Advantages

Supplemental products help pay for expenses traditional health insurance may not cover.
All of the offerings are vetted, cost-effective, and some of the most popular in the country.
The products are available year-round so there is no need to wait for open enrollment.
If a member is enrolled in a product and leaves the current employer, the coverage goes with the member.
Easy to sign up.

Download the Member brochure for details.

About CaliforniaChoice

CaliforniaChoice is a private exchange employee benefits program specializing in saving small businesses on healthcare costs while offering more choices than any single health plan option.

What makes CaliforniaChoice different for your clients:

Employers define what they can afford, and employees use that amount toward the health plan options they like best.
Easy administration – everyone is on one monthly bill.
Outstanding A+ rated customer service.
Free services like HR support, FSA, and COBRA administration.

With CaliforniaChoice, employees get:

The freedom to choose the health plan they want – it’s their choice!
A huge selection of HMO, PPO, EPO, and high deductible plan options.
Access to 80,000+ doctors and 400+ hospitals.
Big discounts on dental, vision, hearing, Rx, wellness products, entertainment, and more.

Contact us today for a CaliforniaChoice quote.

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

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.

CaliforniaChoice Q1-2023 Plan and Rate Updates

Posted October 17, 2022 by Lori Berson

Did you miss the October 12th webinar?

View the webinar on-demand to learn what’s new and changing for 2023, important health plan updates and reminders, the marketplace, and what you can expect from CaliforniaChoice. Below is a brief summary of what was covered in the webinar.

View The Webinar

Summary of Plans and Rates

CaliforniaChoice Portfolio

CalChoice Carriers

2022 New Networks, New Plans

Cigna + Oscar is available out-of-state.
2 new Anthem Priority Select plans.
6 new UnitedHealthcare plans with benefit parity across multiple networks in Platinum/Gold.
UnitedHealthcare Harmony Network expands into Northern California.
New Health Net Gold plan.
New Kaiser Permanente Gold plan.

2023 Plan Updates

20 new medical plans. New networks from Anthem Blue Cross, Cigna + Oscar, Health Net, and UnitedHealthcare in all four metal tiers.
2 new networks. Open Access Plus is a new full network from Cigna + Oscar and SmartCare is a new network from Health Net.
More choice. Your clients can choose from more networks and plans for January 1, 2023.

4 New Anthem Blue Cross Plans

Bronze PPO C – Prudent Buyer Small Group
Bronze PPO D – Select PPO
Silver PPO D – Prudent Buyer Small Group
Silver PPO E – Select PPO

8 New Cigna + Oscar Plans

Bronze EPO E – Open Access Plus (full network)
Bronze EPO F – LocalPlus
Silver EPO F – Open Access Plus (full network)
Silver EPO G – Open Access Plus (full network)
Gold EPO F – Open Access Plus (full network)
Gold EPO G – Open Access Plus (full network)
Platinum EPO F – Open Access Plus (full network)
Platinum EPO G – Open Access Plus (full network)

5 New Health Net Plans

Silver HMO D – Full
Gold HMO H – SmartCare
Gold HMO I – SmartCare
Platinum HMO I – SmartCare
Platinum HMO J – SmartCare

3 New UnitedHealthcare Plans

Platinum HMO B – Signature Value
Platinum HMO M – Harmony
Platinum HMO N – Alliance

Employer-Friendly Budgeting – Defined Contribution

Set it and forget it.
Employee health care allowance.
Fixed budget per employee.

2022 New Business Tiered Choice

CalChoice Business Tiered Choice

The Member Marketplace (Coming Soon)

Features additional products and services from MetLife to enhance your clients’ protection, such as accident, hospital indemnity, and critical illness coverage, and legal plans.

ChoiceBuilder (2-500 Employees) Portfolio

ChoiceBuilder

Networks

DeltaDental

DHMO – DeltaCare HMO Network
Silver and Gold PPO – Standard PPO Network
Platinum PPO – Premier PPO Network

Ameritas

All PPOs – Classic PPO Network

MetLife

All PPOs – PDP Plus Network
New employer-sponsored life insurance option is available for coverage effective December 1, 2022 and later. Now your clients can choose from two life carriers.

Anthem Blue Cross

All PPOs – Anthem Complete Network

VSP

All Plans – Choice Network

EyeMed

All Plans – Access Network

Special Enrollment Period (SEP)

For coverage effective January 1, 2023, your clients must enroll between November 15th and December 15th. And they must still meet the small group employer qualifications.

Underwriting Enhancements

CaliforniaChoice

Start-up groups of 5+ subscribers eligible with 1 week payroll; start-up groups of 1-4 subscribers eligible with 4 weeks of payroll.
No ID cards for participation/waivers do not require a policy number.
Submit current prior carrier bill(s) in lieu of a DE9C for groups of 6 or more subscribers.
PEO split-off and subscriber group friendly.

ChoiceBuilder

NO DE9C/payroll required.
No wait for major services on all employer-sponsored benefits.
Write ChoiceBuilder alongside California Choice for a waived admin fee.
eSignatures accepted.

CaliforniaChoice is a private exchange employee benefits program specializing in saving small businesses on healthcare costs while offering more choices than any single health plan option.

What makes CaliforniaChoice different for your clients:

Employers define what they can afford, and employees use that amount toward the health plan options they like best.
Easy administration – everyone is on one monthly bill.
Outstanding A+ rated customer service.
Free services like HR support, FSA, and COBRA administration.

With CaliforniaChoice, employees get:

The freedom to choose the health plan they want – it’s their choice!
A huge selection of HMO, PPO, EPO, and high deductible plan options.
Access to 80,000+ doctors and 400+ hospitals.
Big discounts on dental, vision, hearing, Rx, wellness products, entertainment, and more.

Q1-2023 rates are now available. Contact us today for a CaliforniaChoice quote.

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

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.

Kaiser Permanente Broker Bonus

Kaiser Permanente New Broker Bonus Program

Posted October 17, 2022 by Lori Berson

Earn a Kaiser Permanente $100 bonus, per enrolled subscriber, when you sell new small group business through CaliforniaChoice or Covered California for Small Business (CCSB), December 1, 2022 – January 1, 2023 effective dates.

Examples

Earn a $5,000 bonus when you sell a new group with 61 employees and enroll 50 subscribers with Kaiser Permanente.
50 enrolled subscribers x $100 = $5,000
Earn a $900 bonus when you sell a new group with 10 employees and enroll 9 subscribers with Kaiser Permanente.
9 enrolled subscribers x $100 = $900

This bonus is on top of your regular commission and standard broker reward programs such as the Total Replacement and Group Production rewards. Download the flyer to learn more.

Start earning more on new small group sales! Contact us today for a quote.

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

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.

CaliforniaChoice and ChoiceBuilder Q4-2022 Rates

Posted July 25, 2022 by Lori Berson

Healthcare cost-containment and choice are more important than ever to employers and employees. Offer your clients even more value with CaliforniaChoice and ChoiceBuilder.

CaliforniaChoice Q4-2022 Rates

Q4 rates are now available through PRISM, our free and easy online quoting system.
Rate adjustments for Q4 are minimal.

With the state’s largest portfolio of plans and networks, CaliforniaChoice (a private exchange for employee benefits) specializes in helping small businesses control healthcare costs while offering more choices than any single health plan option.

What makes CaliforniaChoice different for your clients:

Employers define what they can afford, and employees use that amount toward the health plan options they like best.
Easy administration – everyone is on one monthly bill.
Outstanding A+ rated customer service.
Free services like HR support, FSA, and COBRA administration.

With CaliforniaChoice, employees get:

The freedom to choose the health plan they want – it’s their choice!
A huge selection of HMO, PPO, EPO, and high deductible plan options.
Access to 80,000+ doctors and 400+ hospitals.
Big discounts on dental, vision, hearing, Rx, wellness products, entertainment, and more.

Resources

ChoiceBuilder Q4-2022 Rates

Q4 rates are now available through PRISM, our free and easy online quoting system.
There are no portfolio changes.

Advantages

Available to small businesses (2-500 employees), ChoiceBuilder is the best ancillary exchange in California, offering the nation’s premier dental, vision, chiropractic/acupuncture, and life insurance benefits in a single easy-to-manage program – with both employer-sponsored and voluntary coverage options. Plus, ChoiceBuilder can be offered alongside any medical plan, including CaliforniaChoice®.

It’s a great way to enhance your clients’ employee benefits package without the high cost of additional benefits or the difficulties of managing different services. There’s one application, one bill, and one point of contact for administration.

With more than 8,000 employers and 130,000 members across the state, ChoiceBuilder offers freedom, simplicity, and affordability.

Dental, Vision, Chiropractic and Life Carriers

ChoiceBuilder

More information is available in the ChoiceBuilder flyer.

Contact us today for CaliforniaChoice and ChoiceBuilder quotes!

Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.

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.