PRISM Login

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.

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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 quotes@claremontcompanies.com or 800.696.4543.

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ACA/Healthcare Reform

Please describe the penalties that companies will pay when employees go to the Exchange in 2014, because the company did not provide coverage.

  • Penalty if large employer fails to offer minimum essential coverage: ($2,000 x the number of full-time employees minus the first 30 full-time employees) ÷ 12
  • Penalty if large employer fails to offer affordable or minimum value coverage: The lesser of ($3,000 x the number of employees who receive a premium tax credit or cost-sharing reduction) ÷ 12; or ($2,000 x the number of full-time employees minus the first 30 full-time employees) ÷ 12
  • Please note, for 2015 plus any calendar months of 2016 that fall within the employer’s 2015 plan year[1], if an applicable large employer with 100 or more full-time employees (including FTEs) is subject to a penalty, the penalty will be calculated reducing the applicable large employer’s number of full-time employees by 80 rather than 30.

There may be a more recent answer to this question. Contact Claremont for an update.