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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.

For assistance, please contact our Quotes team at quotes@claremontcompanies.com or 800.696.4543.

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Industry News

Archive for the ‘Industry News’ Category

Small Group Special Enrollment Period Starts November 15

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The 2024 Small Group Special Enrollment Period (SEP) starts November 15, 2023.

The Small Group SEP is the opportunity for employers to enroll in coverage with a $0 contribution requirement and no minimum participation requirement (at least 1 employee must enroll). The limited application period is from November 15 to December 15, 2023, for coverage effective January 1, 2024. Learn more.

Contact us to help your clients take advantage of the SEP.

 

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


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2024 Small Group Special Enrollment Period: Carrier Guidelines

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By law, all carriers are required to offer the small group Special Enrollment Period (SEP) one time per year to allow employers to enroll in coverage with a $0 contribution requirement and no minimum participation requirement. The application period is from November 15 to December 15, 2023, for coverage effective January 1, 2024. Carrier administration of the SEP may vary slightly, including recertification at renewal.

The SEP provides several year-end sales opportunities and solutions for employers with unique needs, such as:

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.

Quickly compare carrier deadlines and details with our Carrier SEP Guide:

Carrier SEP Guide

 

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


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Claremont Welcomes Rebecca Hernandez

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Claremont is excited to welcome Rebecca Hernandez as the newest member of the Service Team. Rebecca brings with her 6 years of industry experience. Most recently she held the position of Small Business Senior Renewal Specialist with eHealth Insurance, where she provided service in all 50 states, to over 9,000 groups. “Rebecca is the perfect addition to help round out our team,” says Laura Hogsed, Service Manager. “Her experience in renewal analyzation is a great asset which will take our ability to provide wholistic service to our brokers to a higher level.”

In her spare time, Rebecca enjoys taking Zumba classes, gem collecting or listening to self-improvement books.

You can reach Rebecca at rhernandez@claremontcompanies.com or 925.296.8822.

 


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Ease – Employee Navigator Early Adopter Program

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Employee Navigator has announced new training sessions for the Early Adopter Program. This voluntary program allows brokers to gain familiarity with Employee Navigator (EN) and will not affect your Ease subscription. Multiple brokers from your agency are encouraged to participate. 

To get started with Employee Navigator:

  1. Complete the online form prior to October 12th to add EN to your Ease subscription.
    Only one person from your organization should submit the licensing request form, since EN will create a single license for your organization. Processing can take up to 5 business days. 
  2. Register for a training session. Attend either the online training or in-person training – you need only attend one.
    Online training registration.
    – Sessions are Thursday, October 12th and Friday, October 13th from 8:30 am – 2:30 pm PT.
    In-person training registration. (Limited to 100 people and has a $100 fee per attendee.)
    – Sessions are Thursday, October 19th, 9:00 am – 5:00 pm and Friday, October 20th, 9:00 am – 5:00 pm (with an optional educational lab to get one-on-one instruction from 12:30 pm – 4:30 pm).
    – Location: 5280 Corporate Drive C-Wing Conference Center, Frederick, Maryland  21703
  3. Complete the DocuSign amendment to gain Employee Navigator access. 
  4. Finish the one-hour self-guided course to optimize your training time.

For details, visit the Employee Navigator Knowledge Base.

Contact us at 800.696.4543 or info@claremontcompanies.com for assistance transitioning from Ease to Employee Navigator.

 

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


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Claremont Welcomes Pauline Gonzalez

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We are pleased to welcome Pauline Gonzales to our Service Team as our newest Broker Service Representative. In this role, Pauline will provide invaluable support and guidance to our clients in a variety of areas such as eligibility, enrollment, support, quoting, carrier knowledge, Ease, and more.

With over six years of experience in the small business health insurance sector, Pauline brings a wealth of knowledge and expertise. She most recently served as an Employee Benefits Account Manager at AssuredPartners, where she honed her skills in cultivating long-term broker and client relationships. Pauline is fluent in Spanish and brings exceptional communication skills in supporting brokers throughout the application process.

Pauline holds a Bachelor of Science in Business Administration with an emphasis in Finance. This background gives her a holistic understanding of how to build successful, collaborative partnerships. In her spare time, Pauline enjoys cooking new recipes and spending time with her three children. 

You can reach Pauline at pauline@claremontcompanies.com or 925.296.8819.

 


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2024 Decrease in ACA Health Plan Affordability Threshold

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The Internal Revenue Service (IRS) has announced the Affordable Care Act’s (ACA) health plan affordability threshold for 2024 at 8.39%, a significant decrease from the 2023 figure of 9.12%.

The threshold is used in determining if Applicable Large Employers (ALE’s) health plans are considered affordable under the ACA employer mandate. This requirement does not apply to non-ALE businesses.

This is a significant reduction in the affordability threshold. Your ALE clients should be aware of the change, and may need to make changes to their health plan’s 2024 employee contribution in order to remain compliant.

For details, visit SHRM and Woodruff Sawyer, and the IRS website.

Contact us today for assistance with your ALE groups.

 

 

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.

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Ease – Employee Navigator Broker Training

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Employee Navigator (EN) is excited to announce early availability of their platform for Ease brokers interested in using EN for the open enrollment season this fall, before the full migration in 2024. While most brokers will continue to add new customers to Ease and will plan to migrate existing customers to the EN platform next summer, Employee Navigator wants to accommodate brokers who would like to begin using the EN platform now.

Key Points for Early Adopters

Training

The training sessions will help you get a firsthand look at some basic highlights of the licensing program. All users will be required to attend an online or in-person training and complete the independent, self-paced lessons prior to these trainings. Additional training sessions will be added as needed. Remote training is anticipated to take approximately 10 hours.

Online Training Dates and Times

In-Person Training Dates and Times
Onsite 2 days (9 classroom hours + optional 4-hour lab). In-person training is limited to 100 attendees. There is a $25 processing fee for each participant. Register.

*Optional time available for individual coaching while building a group. 

Features

Employee Navigator has not begun adding Ease features to the EN platform, so some familiar features will not be available to early adopters until 2024. Therefore, it’s recommended that EN be primarily used for new groups. Key features to be added to EN include:

Additional features to be added by next summer include:

Employee Navigator’s robust infrastructure supports over 75,000+ companies and 10+ million members. They are focused on providing training to smoothly onboard brokers. Attending training and completing self-paced lessons is required prior to access. 

The Employee Navigator Knowledge Base is available to post questions and view responses.

Contact us at 800.696.4543 or info@claremontcompanies.com for assistance transitioning from Ease to Employee Navigator.

 

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.

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SVAHU’s 5th Annual John Bobincheck Memorial Golf Classic

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Grab your clubs and join SVAHU for a delightful day filled with excitement and philanthropy. The SVAHU Board of Directors proudly presents the 5th annual golf tournament dedicated to honoring the memory and spirit of John Bobincheck.

John Bobincheck was a vibrant member of our insurance community, known for his outstanding work at BenefitMall and Claremont Insurance Services. He also served as President of the Silicon Valley Association of Health Underwriters from 2016 to 2017.

Come be a part of this amazing event as we celebrate John’s legacy while enjoying a day of fun on the greens. Your participation not only promises an exciting experience but also contributes to a meaningful cause.

Details:

To learn more, contact SVAHU at 877.748.0815 or info@svahu.org. Register now.

Register Now

 

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


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Impact on Small Businesses: The Unwinding of Medi-Cal Continuous Coverage

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Tens of thousands of California small businesses have at least some employees enrolled in Medi-Cal. The unwinding of Medi-Cal continuous coverage is not only affecting the disenrolled members. It is also impacting the small businesses that employ many of them. These businesses rely on a healthy and productive workforce to thrive and, in the face of this disruption, they are looking to experts like you for guidance and support.

Here’s the impact on California businesses by the numbers:*

For these employees, enrolling in their company’s health plan may be the best, or indeed the only, affordable option for health coverage following their loss of Medi-Cal benefits.

This disruption presents a unique opportunity for you to deepen your relationships with existing clients, attract new customers, and expand your business. We believe that with proper preparation and resources, you can turn this challenge into a catalyst for growth.

Schedule a 15-minute briefing with us to discuss in more detail the potential impact on your clients, the opportunity this presents for you, and the resources and services that Claremont has developed to assist you during this transition.

Schedule a 15-Minute Briefing

 

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


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*Estimates from the U.S. Department of Health and Human Services and the California Department of Health Care Services.

 

In The News: Unwinding of Medi-Cal Continuous Coverage

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Check out these articles to learn more about the unwinding of Medi-Cal continuous coverage:

For many of the millions of Californians expected to lose Medi-Cal coverage, enrolling in their company health plan may be the best or only option for affordable coverage.

Your employer clients and prospects look to you for guidance and support in maintaining a healthy and productive workforce. This is a singular opportunity to deepen your client relationships, acquire more customers, and grow your business.

Schedule a 15-minute briefing with Claremont to learn more about how your clients will be impacted, the opportunity for you, and how Claremont will help.

Schedule a 15-Minute Briefing

 

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.

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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.

If you don’t find what you are looking for, contact our team for help at 800.696.4543 or materials@claremontcompanies.com.