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Covered California for Small Business – New Blue Shield Plans
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.
Quality, affordable health insurance plans from well-known trusted carriers regionally and statewide.
Greater choice – employees can select any plan from any carrier in their region.
Financial control – employers can define the amount they will contribute toward employees’ premiums.
Exclusive tax credits of up to 50% on employee health care premiums to help pay for the cost of providing health insurance. This tax credit is only available through CCSB and can be applied to their federal tax return. To qualify, small business clients:
Must have less than 25 full-time equivalent employees (FTEs);
Pay an average wage of less than $56,000 per year; and
Pay at least half of their employees’ health insurance premiums.
Check out Claremont’s Tax Credit Solution for brokers with tips on how to sell the tax credit to your clients and downloadable resources.
Employee-only coverage that allows eligible dependents to qualify for subsidies.
No pediatric dental requirement.
Price protection – Covered California will always have the lowest cost plans.
Discounts and free programs to help members reach their fitness and health goals are available from certain CCSB carriers. Download the Added Values flyer for details.
Simplified administration and online tools.
Lead generating marketing and promotions for agents.
CCSB Advantages for Agents Sales Guide. – Why sell it and how you benefit. Ten advantages and broker benefits, plus comparisons of CCSB, private exchange, and carrier direct features.
CCSB Advantages for Employers Sales Guide. – Nine reasons why a CCSB plan delivers value to employers, plus comparisons of CCSB, private exchange, and carrier direct features. (Distribute to your prospects and clients.)
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.
Covered California for Small Business (CCSB) has announced expanded coverage options including 3 contiguous metal tiers and 4 metal tier options for new and renewing groups starting with an October 1, 2021 effective date.
Now you can offer your employer groups more flexibility and options to customize their health plan offerings at no additional cost.
With CCSB’s New Metal Tiers, Employers Can:
Customize their coverage at no additional cost.
Control costs with contributions set to any metal tier plan.
Expand options so employees can select coverage that fits their needs.
Quality, affordable health insurance plans from well-known trusted carriers regionally and statewide.
Greater choice – employees can select any plan from any carrier in their region.
Financial control – employers can define the amount they will contribute toward employees’ premiums.
Exclusive tax credits of up to 50% on employee health care premiums to help pay for the cost of providing health insurance. This tax credit is only available through CCSB and can be applied to their federal tax return. To qualify, small business clients:
Must have less than 25 full-time equivalent employees (FTEs);
Pay an average wage of less than $56,000 per year; and
Pay at least half of their employees’ health insurance premiums.
Check out Claremont’s Tax Credit Solution for brokers with tips on how to sell the tax credit to your clients and downloadable resources.
Employee-only coverage that allows eligible dependents to qualify for subsidies.
No pediatric dental requirement.
Price protection – Covered California will always have the lowest cost plans.
Discounts and free programs to help members reach their fitness and health goals are available from certain CCSB carriers. Download the Added Values flyer for details.
Simplified administration and online tools.
Lead generating marketing and promotions for agents.
CCSB Advantages for Agents Sales Guide. – Why sell it and how you benefit. Ten advantages and broker benefits, plus comparisons of CCSB, private exchange, and carrier direct features.
CCSB Advantages for Employers Sales Guide. – Nine reasons why a CCSB plan delivers value to employers, plus comparisons of CCSB, private exchange, and carrier direct features. (Distribute to your prospects and clients.)
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.
Beginning September 1st, you can expedite your account updates by registering for a MyCCSB.com account. Through this convenient online portal, you’ll be able to submit and receive confirmation for real-time payments, employee enrollments, changes, and terminations.
To enable these enhancements, MyCCSB.com will be temporarily unavailable from Friday, August 20, 2021 at 5:00 pm to Wednesday, September 1, 2021 at 8:00 am PT. This will not affect a September 1st coverage date for enrollment and coverage requests during this period.
MyCCSB.com Enhancements
View real-time account balances and confirm payment receipt.
Submit and confirm employee adds online, which will include new expanded functionality for all employee(s) and/or dependent(s) enrollments.
Simplify new employee enrollment with the support tool which identifies plan options that best fit your clients’ needs.
Log-in Instructions
Existing registered MyCCSB.com users will receive a one-time registration link on September 1st.
New users will need to register online at MyCCSB.com on September 1st.
Conveniently access your clients’ enrollment and account information 24/7 with CCSB’s enhanced MyCCSB portal.
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.
Covered California for Small Business (CCSB) offers small businesses (1-100 employees) a choice of quality, affordable HMO and PPO health plans from Blue Shield of California, Health Net, Kaiser Permanente, Oscar, and Sharp Health Plan. What’s more, CCSB provides access to the broadest network of physicians and hospitals in California.
The Small Business Health Care Tax Credit, available only with coverage purchased through CCSB, can save employers up to 50% on health care premiums and generate new business opportunities for agents. To learn more, get our Health Care Tax Credit Solution.
Advantages
Quality, affordable health insurance plans from well-known trusted carriers regionally and statewide.
Greater choice – employees can select any plan from any carrier in their region.
Financial control – employers can define the amount they will contribute toward employees’ premiums.
Exclusive tax credits of up to 50% on employee health care premiums to help pay for the cost of providing health insurance. This tax credit is only available through CCSB and can be applied to their federal tax return. To qualify, small business clients:
Must have less than 25 full-time equivalent employees (FTEs);
Pay an average wage of less than $56,000 per year; and
Pay at least half of their employees’ health insurance premiums.
Check out Claremont’s Tax Credit Solution for brokers with tips on how to sell the tax credit to your clients and downloadable resources.
Employee-only coverage that allows eligible dependents to qualify for subsidies.
No pediatric dental requirement.
Price protection – Covered California will always have the lowest cost plans.
Discounts and free programs to help members reach their fitness and health goals are available from certain CCSB carriers. Download the Added Values flyer for details.
Simplified administration and online tools.
Lead generating marketing and promotions for agents.
CCSB Advantages for Agents Sales Guide. – Why sell it and how you benefit. Ten advantages and broker benefits, plus comparisons of CCSB, private exchange, and carrier direct features.
CCSB Advantages for Employers Sales Guide. – Nine reasons why a CCSB plan delivers value to employers, plus comparisons of CCSB, private exchange, and carrier direct features. (Distribute to your prospects and clients.)
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.
Covered California for Small Business (CCSB) offers small businesses (1-100 employees) a choice of quality, affordable HMO and PPO health plans from Blue Shield of California, Health Net, Kaiser Permanente, Oscar, and Sharp Health Plan. What’s more, CCSB provides access to the broadest network of physicians and hospitals in California.
The Small Business Health Care Tax Credit, available only with coverage purchased through CCSB, can save employers up to 50% on health care premiums and generate new business opportunities for agents. To learn more, get our Health Care Tax Credit Solution.
Q3-2021 Rates (Effective July 1, 2021)
Sharp Health Plan will not change rates.
Overall quarterly rate trends, not plan or region specific:
– Blue Shield of CA 1.2%
– Health Net -1.4%
– Kaiser Permanente 3.0%
– Oscar 4.5%
Advantages
Quality, affordable health insurance plans from well-known trusted carriers regionally and statewide.
Greater choice – employees can select any plan from any carrier in their region.
Financial control – employers can define the amount they will contribute toward employees’ premiums.
Exclusive tax credits of up to 50% on employee health care premiums to help pay for the cost of providing health insurance. This tax credit is only available through CCSB and can be applied to their federal tax return. To qualify, small business clients:
Must have less than 25 full-time equivalent employees (FTEs);
Pay an average wage of less than $56,000 per year; and
Pay at least half of their employees’ health insurance premiums.
Check out Claremont’s Tax Credit Solution for brokers with tips on how to sell the tax credit to your clients and downloadable resources.
Employee-only coverage that allows eligible dependents to qualify for subsidies.
No pediatric dental requirement.
Price protection – Covered California will always have the lowest cost plans.
Discounts and free programs to help members reach their fitness and health goals are available from certain CCSB carriers. Download the Added Values flyer for details.
Simplified administration and online tools.
Lead generating marketing and promotions for agents.
CCSB Advantages for Agents Sales Guide. – Why sell it and how you benefit. Ten advantages and broker benefits, plus comparisons of CCSB, private exchange, and carrier direct features.
CCSB Advantages for Employers Sales Guide. – Nine reasons why a CCSB plan delivers value to employers, plus comparisons of CCSB, private exchange, and carrier direct features. (Distribute to your prospects and clients.)
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.
To ensure your success in 2021, the Q3-2021 update and reminders from Covered California for Small Business (CCSB) are listed below.
Update
MyCCSB portal enhancements for easier online updates and faster processing will be launched soon. More details to come.
Reminders
Exclusive Tax Credit With tax deadlines approaching, eligible small businesses can qualify for tax credits of up to 50% on premiums to help pay for the cost of providing health insurance. This tax credit is only available through CCSB and can be applied to their federal tax return. To qualify, small business clients:
Must have less than 25 full-time equivalent employees (FTEs);
Pay an average wage of less than $56,000 per year; and
Pay at least half of their employees’ health insurance premiums.
Check out Claremont’s Tax Credit Solution for brokers with tips on how to sell the tax credit to your clients and downloadable resources.
Discounts and free programs to help members reach their fitness and health goals are available from certain CCSB carriers. Download the Added Values flyer for details.
Member ID cards for new employer enrollments are mailed by the health insurance provider within 7-10 business days after the employer has made the first premium payment. For steps on how to access or order a member ID card, download the How to Access/Order Member ID Cards flyer.
Employers can add an Authorized Representative to help manage their account during the group setup or by submitting an Employer Change Form.
The CCSB Service Center is not able to discuss an account with callers who are not authorized representatives, this includes questions about billing or an invoice. Get the details.
When employers pay invoices online using the MyCCSB portal, they’ll receive a one-time confirmation that the payment has been completed.
Currently, the MyCCSB portal does not have an autopay or pay over the phone option.
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.
Join Covered California for Small Business (CCSB) for a COVID-19 update webinar featuring Blue Shield of California and Kaiser Permanente. Hear the latest news on their response to the pandemic as well as valuable insights on what you can do to help your clients.
Featured Speakers
Dan Tyler, CCSB
Sandi Eber, Blue Shield of California
Dr. Deb Friesen, Kaiser Permanente
Date: Wednesday, February 17, 2021 Time: 10:30 am – 11:30 am PST
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.
To ensure your success in 2021, below are important reminders and updates from Covered California for Small Business (CCSB).
Reminders
Exclusive Tax Credit Attract new small businesses and retain existing clients with a federal tax credit that is only available through CCSB. Your small groups may be eligible for up to 50% credit of premiums as a for-profit employer and up to 35% credit of premiums as a non-profit employer. To qualify:
Groups must have less than 25 full-time equivalent employees (FTEs);
Pay an average wage of less than $55,000 per year; and
Pay at least half of their employees’ health insurance premiums.
Agents and employers can access helpful guides in the MyCCSB portal for adding or terminating an employee and/or dependent.
PDF documents and videos of these step-by-step guides are available. Simply log into your MyCCSB account, and click the “Technical Guides/Videos” link on the bottom left footer of the web page.
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.
Increase your earning potential with the Covered California for Small Business (CCSB) and Kaiser Permanente bonus programs. Plus, combine them to earn even more!
CCSB “A Partnership That Pays” Bonus
Agents who place new small group business with CCSB from July 1, 2020 – January 1, 2021, can earn up to an $8,000 bonus per group, in addition to competitive commissions. You’ll earn $1,000 for groups with as few as six enrolled employees and up to $8,000 for groups with 51-100 enrolled employees. Best of all, the bonus is per group with no maximum number of groups! For details, download the flyer.
In addition to California’s most comprehensive access to doctors and hospitals, CCSB health plans offer choice and control, with:
Two full-network PPOs — Blue Shield and Health Net.
HMO offerings from Blue Shield, Kaiser Permanente, and Sharp Health Plan.
EPO offerings from Oscar in Los Angeles and Orange Counties.
Single bill.
No carrier participation requirements within the program.
Small Group Broker Bonus
Earn a $100 bonusper enrolled subscriber for all new groups sold through any sales channel — direct, general agency, CaliforniaChoice®, and CCSB. December 1, 2020 through January 1, 2021 effective dates.
This new bonus is on top of regular commissions and standard broker reward programs such as the Total Replacement and group Production rewards. To learn more and see examples, download the flyer.
Expertise and support behind the scenes — all at no cost to you.
Claremont has been a trusted CCSB partner since its 2014 launch, and we are the 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.
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.
To ensure success through the end of the year and get a head start on 2021, below are the important updates and reminders Covered California for Small Business (CCSB) has announced.
Updates
2021 Rates The lowest rate increase, since its inception in 2014, at a 1.5% weighted average.
Membership Growth Currently, more than 62,000 individuals have insurance through CCSB, representing a growth of approximately 7,000 individuals, or a 12.7% gain in membership over this time last year.
Reminders
Agent Bonus Program Effective July 1, 2020, the ‘A Partnership The Pays’ program has been extended through January 1, 2021. Download the CCSB Broker Bonus flyer.
Online Renewals Agents and employers can select and confirm multiple employees through the online portal at the group’s renewal making the renewal process easier.
Extended New Group Submission Deadlines The remaining new group submission deadlines have been extended to the 15th of each month.
Special Enrollment Period (SEP) The timeframe is from November 15, 2020, through December 15, 2020. During this period, new small groups do not need to meet the minimum participation requirements or employer contribution, however, eligibility requirements still apply.
Please note: CCSB does not recertify SEP groups at the following year’s renewal.
Employee-Only Coverage One of the unique features of CCSB is the ability for employers to offer employee-only coverage, which provides employees more options to find affordable dependent coverage through Covered California’s individual marketplace.
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 our library, you’ll find carrier forms, applications, enrollment kits, broker bonuses, marketing resources, and more (video tutorial). However, not all carrier forms are available online.
