To access the carrier product and rate information provided by PRISM, check the box below indicating you have read and agree to the license agreement. A button will then appear to access PRISM.

This site uses cookies to track your agreement option. If the terms of the license agreement change or if you clear the cookies from your browser, this page will appear once again during the PRISM login process.

Delta Dental Quoting

Employer contribution entered in Dental Contribution under Group Information affects the Delta Dental plans and rates returned. Please be aware that Delta Dental will require groups with 100% employer contribution to have 100% participation.

If you need assistance, please contact our Quotes team at or 800.696.4543.

Login To Prism

Cigna + Oscar Deductible Credit and Max Out-of-Pocket Credit

Cigna + Oscar Deductible Credit and Max Out-of-Pocket Credit

Cigna + Oscar Deductible Credit and Max Out-of-Pocket Credit

Jun 27, 2022, < 1 Minute Read

Moving coverage from one carrier to another can be difficult for members with accrued deductibles and out-of-pocket maximum balances. Cigna + Oscar (C+O) makes it easier for employer groups and their employees by providing the most welcoming Deductible Credit and Max Out-of-Pocket Credit policy in the market. C+O credits both the prior carrier deductible and the maximum out-of-pocket credit.

To learn more, download the Deductible Credit Carryover Guidelines.

Deductible Credit Carryover Guidelines

With rates comparable to Kaiser, and networks that include Dignity Health, UCSF, Stanford, and Sutter, Cigna + Oscar brings together the power of Cigna’s nationwide and local provider networks, and Oscar’s member-focused tech-driven experience, to deliver small group health insurance that meets the unique needs of California small businesses and their employees. To learn more about Cigna + Oscar, view our web page.


Contact us today for a Cigna + Oscar quote.


Contact The Answer Team at 800.696.4543 or

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.

Sign Up for Text Messaging