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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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Keeping employees covered

Will ChoiceBuilder allow employees who are currently furloughed, not working, or whose hours have been reduced below 30 hours per week to keep their insurance?

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As long as the group and employees are current on their monthly payments, ChoiceBuilder will allow employees that would otherwise have lost eligibility to remain on the plan. COBRA is available to employees where there is an active employer policy.

Learn more.

Are customers able to continue employee ancillary benefits if the entire workforce is laid off in response to the COVID-19 crisis?

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As long as the group and employee are current on their monthly payments, ChoiceBuilder will allow employees that would otherwise have lost eligibility to remain on the plan. COBRA is available to employees where there is an active employer policy.

Learn more.

If an employer wants to reduce their contribution mid-year to save money will you allow it?

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Employers may make a one-time, “mid-plan year” change to their contribution or plan to reduce
their premiums and maintain coverage for the balance of the contract year. Employees may also
make a one-time “mid-plan year” change to downgrade from the current plan they are on to a
lower cost plan as long as they remain with the same Ancillary Carrier.

Learn more.

Will you waive any rehire waiting period for re-hired employees who were terminated due to COVID-19?

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ChoiceBuilder will allow the group to define the waiting period when the employee returns to work.

Learn more.

What continuation of coverage applies if my plan is fully-insured and one or more employees are terminated as a result of COVID-19?

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If an employee loses eligibility and the group will not cover the employer contribution, the employee is encouraged to explore COBRA, their state based individual exchange, or the federally facilitated marketplace, based on a qualifying life event (per existing standard business practices and applicable law).

Learn more.

If I terminate employees in the middle of the month as a result of COVID-19, will my fully-insured coverage extend for the terminated employees until the end of the month?

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If premiums have been remitted for the month, coverage will continue through the end of that month (per existing standard business practices and applicable law).

Learn more.

Is there a Special Enrollment Period (SEP) for employees who have previously waived coverage?

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Yes:

  1. Open through April 10. 
  2. Individuals who previously declined coverage for themselves or their dependents can enroll for benefits. 
  3. Employers may make a one-time, “mid-plan year” contribution change. Employees may make a one-time “mid-plan year” plan downgrade within the same Health Plan.

Learn more here.