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PRISM - Health Net is Now Available Through Claremont!

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.

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San Francisco HCSO

Can an employer allocate Health Care Expenditures for employees then recover any unused funds?

For hours payable on and after January 1, 2017, only irrevocable Health Care Expenditures shall be counted toward the Employer Spending Requirement.  In other words, only money actually spent on employee health care can be counted toward compliance with the HCSO.  This means that the employer cannot retain or recover any portion of the funds at any time, even if the employee leaves the job or if the business ceases to operate.

 

Health Reimbursement Arrangements (HRAs), as defined in IRS Publication 969, including excepted benefit HRAs and integrated HRAs, are considered revocable expenditures because the employer has the option to recover any unused funds at some point.

 

For an allocation of funds to a reimbursement arrangement to be counted toward the spending requirement, the funds must be actually paid over to a third-party trustee who has control over these funds in perpetuity or until the employee exhausts the funds through submitting claims.  The employer must have no access to, or control over, these funds and no possibility of ever recovering them.

 

Examples of Irrevocable Expenditures:

  • Payments to an insurance provider for medical, dental, or vision insurance premiums
  • Contributions to the City Option
  • Contributions to Health Savings Accounts, Medical Savings Accounts, or other irrevocable reimbursement accounts

 

Note:  Employers will have until January 30, 2017 to make the required health care expenditures for the fourth quarter of 2016; 20% of expenditures for that quarter will still be permitted to be made revocably.

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 materialsrequest@claremontcompanies.com.