Choice Builder Q4-2017 Rate Pass Plus a Richer VSP Benefit
Choice Builder Q4-2017 Rate Pass Plus a Richer VSP Benefit
September 11, 2017Choice Builder announced a Q4-2017 rate pass and improved VSP vision coverage options for October 1, 2017 effective dates.
Easily help your employers (2-199 employees) attract and retain top talent with affordable rates and rich benefits from the nation’s premier Dental, Vision, Chiropractic/Acupuncture, and Life carriers — all available together in one streamlined program. Product and rate information is available in PRISM (our no cost quote service) or through our expert quote team.
Why Choice Builder®
- Improved vision coverage options from VSP (chart below) — the most requested carrier.
- Anthem and MetLife Platinum Dental plans offer a $2500 calendar year maximum.
- Delta Dental plans offer a $2,000 calendar year maximum.
- No DE9C or payroll verifications.
- Husband/wife groups are accepted with separate enrollment, and a business checking account and Fed Tax ID (not SSN).
- Employer paid Dental with no wait for major services, including virgin groups.
- 10% flat commission for the life of the policy.
- Voluntary Dental requires minimum 10 eligible and minimum 5 enrolled.
- Voluntary Vision and Chiropractic/Acupuncture – no minimum participation requirement.
- All Choice Builder members qualify for CalPerks discounts on entertainment, theme and water parks, sporting events, warehouse clubs and more!
Richer VSP Vision Plan Benefit
- Increased frame allowance of $180 (from $150), starting with October 1, 2017 effective dates, on Employer-Sponsored and Voluntary Vision plans.
- Very affordable rates with no Q4 increase.
- High brand recognition makes it easy to sell.
Plan Updates
Ameritas PPO Plans
- 2-199 employees — Employer-Sponsored. No wait for major services.
Voluntary – 6 month wait for major services. - Platinum PPO 100/75/75 $2,000 – 80th UCR.
- Gold PPO 100/80-90-100/50 graduating basic benefit increase.
- Calendar year rollover programs up to $3,200 annual maximum.
- Very strong 80th percentile UCR Out-of-Network (OON).
- Rate savings on Employer-Sponsored plans, groups of 5 plus.
- Child orthodontia available, up to $1,000 per member.
- Large PPO network in California.
- National PPO network in all 50 states.
- Voluntary major waiting period takeover available.
- Implant coverage is not available.
Anthem BX PPO Plans
- 2-199 employees — Employer-Sponsored. No wait for major services.
- Platinum PPO 100/90/60 $2,500 – 90th UCR.
- Gold PPO (IN) 100/90/60 (OUT) 100/80/50 $2,000 90th UCR.
- Rate savings tiers by group size.
- Rate savings for exclusive industry classes.
- Adult and child orthodontia available (10+ enrolled), up to $2,500 per member.
- Composite fillings and implants are covered on all teeth.
- National PPO network in all 50 states.
- Silver Voluntary — 12 month wait for major services.
Delta Dental FFS PPO Plans
- 2-199 employees — Employer-Sponsored. No wait for major services, including virgin groups.
- Platinum PPO 100/80/50 $2,500 Premier network/UCR.
- Gold PPO 100/80/50 $1,500 normal PPO network/MAC.
- Child orthodontia available, up to $1,000 per member.
- Implants are covered under Platinum and Gold PPO plans.
- No missing tooth clause.
- Silver Voluntary — 12 month wait for major services.
Delta Care DHMO Plans
- 2-199 employees — Employer-Sponsored and Voluntary.
- Adult and child orthodontia included.
MetLife PPO Plans
- 2-199 employees — Employer-Sponsored. No wait for major services.
Voluntary — 12 month wait for major services. - Platinum Plus PPO (IN) 100/90/60 $2,500 (OUT) 100 /80/50 90th UCR.
- Platinum PPO (IN) 100/80/50 $2,250 (OUT) 100 /60/40 $1,750 70th UCR.
- Silver PPO (IN) 100 /80/50 $1,250 (OUT) 90/60/40 $750 MAC.
- Rate savings tiers by group size.
- Child orthodontia available, up to $1,500 per member.
- Composite filings and implants are covered.
- National PPO network (PDP Plus) in all 50 states and Mexico.
EyeMed Vision Plans
- 2-199 employees, Employer-Sponsored and Voluntary plans.
- National PPO network in all 50 states.
- Retail stores: LensCrafters, PearleVision, Sears, Target, JC Penney Optical.
- Medical necessary contacts, up to $200 benefits per 12 months.
- Lazer vision surgery with EyeMed Network discounts.
VSP Vision Plans
- 2-199 employees, Employer-Sponsored and Voluntary plans.
- National PPO network in all 50 states.
- Medical necessary contacts, up to $210 benefits per 12 months.
- Diabetic ophthalmological services covered with $5 copay.
- Laser vision surgery, up to $250 per eye allowance.
- Low vision additional benefits.
Landmark Chiropractic/Acupuncture/Radiology Plans
- 2-199 employees, Employer-Sponsored and Voluntary plans.
- Discount program with unlimited visits.
- California members only.
- In-network only Landmark providers.
Assurity Life Plans
- 2-199 employees, Employer-Sponsored only.
- Term Life with AD&D included.
- Up to $75,000 Guarantee Issue, depending on group size.
- Disability premium waiver.
- Accelerated death benefit.
Questions?
Contact your Claremont team at 800.696.4543 or info@claremontcompanies.com.