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.

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 quotes@claremontcompanies.com or 800.696.4543.

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ACA/Healthcare Reform

Does temporary insurance satisfy the requirement to maintain minimum essential coverage?

It depends on the type of coverage.  Excepted benefits is not minimum essential coverage.  This includes coverage only for accident, or disability income insurance; liability insurance; coverage issued as a supplement to liability insurance; workers’ compensation; automobile medical payment insurance; credit-only insurance; coverage for on-site medical clinics; other similar insurance coverage, under which benefits for medical care are secondary or incidental to other insurance benefits.  Moreover, the following are excepted benefits if the benefits are provided under a separate policy, certificate, or contract: limited scope dental or vision benefits; benefits for long-term care, nursing home care, home health care, community-based care; coverage only for a specified disease or illness; hospital indemnity or other fixed indemnity insurance; Medicare supplemental health insurance; and similar supplemental coverage provided to coverage under a group health plan.

Non-exempt individuals and their dependents are required to maintain minimum essential coverage for each month beginning in 2014.  However, each individual can be without coverage for a continuous period of less than three months during a calendar year and not be subject to the penalty.