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Cigna + Oscar Withdraws from
The Small Group Market

New Cigna + Oscar (C+O) small group sales and renewals will not be offered in 2025. At C+O’s request, all plans and rates have been removed from the quote engine. However, you can still quote or renew your C+O groups through December 15, 2024 by contacting us at or 800.696.4543. Please note: the last day of coverage will be December 14, 2025.

For assistance, please contact our Quotes team at or 800.696.4543.

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Coronavirus (COVID-19) Resources for Brokers

Broker Resources - Coronavirus COVID-19

Your clients rely on you for their health insurance needs and we’re here to support you through the uncertainty and change created by the COVID-19 pandemic. Our team of experts taps into a myriad of carrier and industry sources and synthesizes the results to deliver digestible daily updates that impact your clients.

Extensive COVID-19 news is organized below into broad categories to help you stay educated. To learn more, download our user-friendly COVID-19 Carrier Response Guides, and check out our frequently asked questions meticulously organised by Reopening & Returning to Work FAQs, COVID-19 Carrier FAQs, and COVID-19 Legislation & Regulations FAQs. If you can’t find an answer to your question, contact our experts at

The COVID-19 Broker Resources are organized into the following categories:

Latest COVID-19 Carrier Responses

Stay on top of all the latest COVID-19 carrier responses and quickly identify how each carrier is helping to keep employees covered, provide relief to employers, and expand coverage.

Carrier Resources and Website Links

Access valuable COVID-19 broker and member information to advise employers.

Coronavirus News Impacting Brokers and Employers

Also visit our Reopening and Returning to Work FAQs.

  • President Trump signs legislation that extends the previous June 30 deadline for applying for Paycheck Protection Program loans to August 8, 2020 (CNBC, NPR).
  • Health officials demand major Bay Area private hospitals, clinics ramp up Coronavirus testing (SF Chronicle).
  • Trump signs new law relaxing PPP Rules: What You Need To Know (Forbes).
  • Blue Shield of California extends member cost-sharing waivers for COVID-19 treatment and Teladoc Health’s virtual care service through September 30, 2020 (Blue Shield).
  • Governor Newsom eases reopening requirements for California counties (SF Chronicle).
  • California Governor Newsom announces a plan for Stage 2 reopening (, SF Chronicle).
  • DOL temporarily extends COBRA deadlines.
  • City of San Francisco allows employees in San Francisco to use funds their employer has contributed in compliance with the Health Care Security Ordinance (HCSO) for necessary expenses (SF City Option, Press Release).
  • President Trump signs latest Coronavirus relief legislation. Includes an additional $310 billion in funding for the Payroll Protection Program (CNBC).
  • The California Dental Association (CDA) recommends that dentist offices voluntarily suspend non-urgent or non-emergency dental care due to COVID-19 concerns. Dental plan members that require immediate care due to a dental emergency should contact their dental office.
  • IRS publishes FAQs on the Employee Retention Credit under the CARES Act.
  • President Trump signs the new $2 trillion Coronavirus relief bill (CBS, CNN).
  • The US Department of Labor publishes Q&As on the new Families First Coronavirus Response Act. Claremont HR partners Mammoth HR and HR Services, Inc. both provide resources to help employers implement the law’s new requirements.
  • SBA updates Small Business Guidance to include information on the Economic Injury Disaster Loan Program, SBA Express Bridge Loans, and updated Guidance for Business and Employers.
  • CAHU creates a COVID-19 web page to help brokers with links to useful state and federal resources.
  • IRS issues federal income tax filing and payment relief for individuals and businesses with April 15 filing dates.
  • California DOI provides guidance for the insurance industry on how to interpret the term “Essential Businesses” in the recent California “shelter-in-place” order.
  • Governor Newsom announces California statewide “shelter-in-place” order impacting all residents and businesses except those involved in “essential businesses.”
  • The US Small Business Administration is providing low-interest loans to help small businesses recover from the impact of the Coronavirus (The North Bay Business Journal).
  • Seven Bay Area counties issue a shelter-in-place order impacting all residents and businesses in San Francisco, Santa Clara, San Mateo, Santa Cruz, Alameda, Contra Costa and Marin counties (The New York TimesSan Francisco Chronicle).
  • San Francisco Mayor Breed announces new measures to help small businesses impacted by the Coronavirus outbreak. (San Francisco Business TimesOffice of the Mayor).
  • IRS confirms that high-deductible health plans (HDHPs) can cover Coronavirus costs, including testing and treatment. HSA account holders can continue to make HSA contributions if their HDHP covers Coronavirus testing and treatment costs (Accounting Today, Sterling Administration).
  • California DMHC and DOI issue Coronavirus directive to health plans and insurance companies, including the elimination of copays and deductibles on testing and other related services.
  • Governor Newsom declares the State of Emergency to help California prepare for a broader spread of Coronavirus.
  • The U.S. State Department is advising Americans to avoid traveling to certain countries.

Northern California Health System Websites

Federal Government Resources

California Government Resources

Claremont Vendor Partner Resources

Industry Group Resources

Other Helpful Resources

Carrier Travel Assistance Programs

Most of your clients’ employees are currently sheltering-in-place. But some employees may still be traveling for work under the “essential business” or “essential service” provisions of the current shelter-in-place orders. To help these clients, advise them about carrier travel assistance programs that may be available, either through their existing lines of coverage or through additional lines of coverage they may want to consider.

Carrier Travel Assistance Programs typically provide emergency assistance to members while traveling and can include:

  • Physician Dispatch
  • Emergency Evacuation and Repatriation
  • Critical Care Monitoring
  • Legal Consultations
  • Emergency Cash

Learn more about carrier travel assistance programs and eligibility.

Emotional, Behavioral and Mental Health Resources

Carrier Services

Carriers recognize the strain that COVID-19 is placing on employees and their families. Many are expanding access to emotional, behavioral, and mental health services —and in some cases waiving costs.

Carrier Services Include:

  • Emotional Support Hotlines
  • Behavioral Health Services and Benefits
  • Mental Health and Wellness Phone Apps
  • EAP Programs
  • And More

Download our Carrier Resource Guides to stay up-to-date and advise your employer groups about the available carrier services and benefits available to their employees, either through their existing lines of coverage or through additional lines of coverage they may want to consider.

Government Resources

Several federal and California state government agencies have created resources to support individuals with their emotional and mental health needs.

US Department of Health and Human Services (HHS)

US Centers for Disease Control and Prevention (CDC)

California Department of Human Health


Health System Resources

Several Northern California health systems have resources to help with emotional and mental health:

Kaiser Permanente

John Muir Health

Sutter Health

Other Resources

National Alliance on Mental Illness (NAMI)

Contact your Claremont team at 800.696.4543 or

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