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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 PrismWith the Covered California for Small Business (CCSB) bonus program, agents who place new small group business from July 1, 2026 – January 1, 2027, can earn up to a $9,000 bonus per group, in addition to standard commissions. To qualify for the first bonus tier of $500, agencies must submit a minimum of three groups with five enrolled employees.
See the CCSB flyer for more details.
Qualification: Write 3 or more groups during the bonus period to qualify.
Enhanced Bonus: Write 6 or more groups and earn a 50% increase on all bonuses.
Eligibility: Business acquired through a partnering General Agency is included.
In addition to California’s most comprehensive access to doctors and hospitals, CCSB health plans offer choice and control, with:
As a trusted CCSB partner since its 2014 launch, we are a top-producing general agency in our sales territory. From agent certification and quoting to assessing new group eligibility and resolving post-enrollment issues, our CCSB experts will provide guidance and support every step of the way.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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.
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.
Covered California for Small Business (CCSB) now offers a simplified eligibility process for new small groups with 3+ enrolling employees, effective immediately.
As a reminder, CCSB’s “A Partnership that Pays” broker bonus program is in place for new group business placed July 1, 2025 – January 1, 2026. Get the details.
Questions?
Contact our CCSB expert team at 800.696.4543 or info@claremontcompanies.com.
CCSB received recent reports of phishing scams targeting Covered California for Small Business (CCSB) enrollment partners. These emails attempt to trick recipients into clicking a “secure” link to verify or update personal information. Do not click any links—these messages are fraudulent.
Official emails from Covered California for Small Business will always come from an @covered.ca.gov address. Before opening any message, please confirm the sender’s full email address, not just the display name. Many phishing attempts use familiar names paired with fake email addresses.
CCSB is here to help. If you receive a suspicious message or believe your information may have been compromised, please report it immediately to CCSB:
Information Security: InformationSecurity@covered.ca.gov
Privacy Office: PrivacyOfficer@covered.ca.gov
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
With the Covered California for Small Business (CCSB) bonus program, agents who place new small group business from July 1, 2025 – January 1, 2026, can earn up to a $12,000 bonus per group, in addition to standard commissions. To qualify for the first bonus tier of $1,000, agencies must submit a minimum of three groups with five enrolled employees. Best of all, the bonus is per group with no maximum number of groups!
See the CCSB flyer for more details.
In addition to California’s most comprehensive access to doctors and hospitals, CCSB health plans offer choice and control, with:
As a trusted CCSB partner since its 2014 launch, we are a top-producing general agency in our sales territory. From agent certification and quoting to assessing new group eligibility and resolving post-enrollment issues, our CCSB experts will provide guidance and support every step of the way.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
Article last updated: March 4, 2025.
Most of your clients have upcoming deadlines under the federal prescription drug benefits reporting (RxDC) requirements. Here’s a summary of the requirements, carrier support initiatives, and critical submission deadlines to ensure timely compliance.
Under Section 204 of the 2021 Consolidated Appropriations Act (CAA), insurance companies and employer-based health plans must submit information regarding prescription drug benefits and health care spending. The information must be submitted to the Centers for Medicare and Medicaid Services (CMS) by June 1st of each year for the prior year’s coverage.
The CMS requires the following information be submitted by insurance companies and employers:
Anthem will follow the same process as in prior years and will file on behalf of their fully insured and ASO clients for the benefits they administer and maintain. This includes ASO groups who opt-in to the D1 reporting. To submit all required information and ensure reporting accuracy, they will request some information from their clients.
Week of February 17th – Large Group, Small Group, and National Account clients were notified about required RxDC filings and necessary actions.
Early June 2025 – RxDC Filing Confirmation
For more information, please visit Anthem’s CAA/Transparency Resource Center.
Blue Shield will collect D1 Premium Contribution data from groups between February 19, 2025 and April 19, 2025. Blue Shield will also submit D2 for all groups and D3-D8 for groups with prescription drug benefits under a Blue Shield health benefit plan. If a group does not have prescription drug benefits with Blue Shield, they should coordinate submission of D3-D8 with their pharmacy/prescription drug benefits carrier.
Key Details
Who Needs to Submit The Survey?
Any group (or broker/delegate on behalf of the group) who would like Blue Shield to submit D1 Premium data on their behalf to the CMS. This includes:
Third-Party Administrators (TPAs) and Pharmacy Benefit Managers (PBMs) may assist in reporting. Groups that miss the deadline will not be included in Blue Shield’s filing and may be subject to non-compliance if they do not report the required data directly to the CMS by the June 1, 2025 deadline.
Other Details
Information Requested
Health Net will not require any data from employer groups to complete Plan List (P2) and Data File (DI) submissions with the CMS on behalf of their clients. No action or any fees are required by employer groups or brokers. This includes groups with members enrolled in Health Net through CaliforniaChoice.
Fully insured employer groups will need to complete the Kaiser Permanente RxDC data collection form by March 31, 2025.
Information Requested
Self-funded groups: Kaiser Permanente representatives will reach out to each self-funded group, via email, with instructions and offline forms that will be prepopulated with the group’s information along with blank fields for the group to complete and return to Kaiser Permanente.
Specific CA Small Groups: Covered California for Small Business (CCSB) and CaliforniaChoice groups do not need to complete the form as these exchanges will be providing the needed data for all the employers they serve, aggregated at the exchange level, to Kaiser Permanente.
Kaiser Permanente plans to submit all applicable reports and required responses for all employer groups to CMS by the June 1, 2025 deadline. To learn more, view the Kaiser Permanente RxDC FAQs.
Sharp Health Plan will request employer contribution data via a Request for Information (RFI) survey and will file on behalf of the group. Deadline: April 18, 2025.
UnitedHealthcare will complete the CAA Prescription Drug (RxDC) reporting for its fully insured and self-funded/level funded groups, including those with OptumRx as the integrated PBM. However, groups with these will need to complete the Request for Information (RFI) tool for RxDC reporting between February 1, 2025, and March 31, 2025.
To support its customers with this important filing, UnitedHealthcare will be submitting the P2 (Group Health Plan), D1 (Premium and Life Years) and D2 (Spending by Category) files for all employers who had active coverage during the reference year (2024). However, completion of the submission requires gathering some information not currently maintained in their system.
UnitedHealthcare will also submit the D3-D8 data files for customers with OptumRx as an integrated PBM. UnitedHealthcare has access to all data required to complete the submission of the D3-D8 data files. Customers who use any other PBM, including OptumRx Direct, must work with that PBM to submit the D3-D8 files.
Resources
Western Health Advantage will request employer contribution data via a Request for Information (RFI) survey and will file on behalf of the group. Deadline: April 15, 2025.
Covered California for Small Business (CCSB) serves as an administrator of their participating Health Plan Issuers and is not an insurance company nor an employer-based health plan. Therefore, CCSB is not subject to RxDC data collection requirements on behalf of their employer groups. Claremont recommends that the employer follow the reporting guidelines for the enrolled carrier(s).
CCSB’s Small Business Service Center is available to help with questions at 855.777.6782.
CaliforniaChoice serves as an administrator of their participating Health Plan Issuers and is not an insurance company nor an employer-based health plan. Therefore, CaliforniaChoice is not subject to RxDC data collection requirements on behalf of their employer groups.
Like last year, CaliforniaChoice is facilitating the RxDC for its employers and their plans for the 2024 reference year (reporting due June 1, 2025). CaliforniaChoice will coordinate directly with their carriers to facilitate all reporting obligations. There is no action required from the employer.
The carriers are actively assisting your clients with federal reporting compliance and will require specific information from each employer group. Watch for direct communication from the carriers and follow their instructions. If you or your clients need assistance we can connect you with appropriate carrier representatives.
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.
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:
Claremont has been a trusted CCSB partner since its 2014 launch, and we are a top producing general agency in our sales territory. From agent certification and quoting to assessing new group eligibility and resolving post-enrollment issues, our CCSB experts will provide guidance and support every step of the way.
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.
With an effortless transition process for your Cigna + Oscar (C+O) groups, Covered California for Small Business (CCSB) simplifies enrollment by using the group’s prior C+O invoice.
CCSB provides a variety of health plans tailored to the unique needs of small businesses. By partnering with industry-leading insurance carriers, they guarantee your clients access to high-quality, affordable health coverage options.
Maximize your earnings with CCSB’s broker bonus program. For new small group business placed from July 1, 2024 to January 1, 2025, you can earn up to a $12,000 bonus per group, in addition to competitive commissions. Download the flyer for details.
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.
With the Covered California for Small Busines (CCSB) bonus program, agents who place new small group business from July 1, 2024 – January 1, 2025, can earn up to a $12,000 bonus per group, in addition to competitive commissions. To qualify for the first bonus tier of $1,000, agencies must submit a minimum of three groups with four enrolled employees. Best of all, the bonus is per group with no maximum number of groups! Download the flyer for details.
In addition to California’s most comprehensive access to doctors and hospitals, CCSB health plans offer choice and control, with:
As a trusted CCSB partner since its 2014 launch, we are a top-producing general agency in our sales territory. From agent certification and quoting to assessing new group eligibility and resolving post-enrollment issues, our CCSB experts will provide guidance and support every step of the way.
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.