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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.
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Effective October 1, 2022, the federal Centers for Medicare and Medicaid Services (CMS), is introducing a new broker mandate. If you or anyone on your staff communicate with Medicare-eligible individuals, read on.
The new rule requires brokers to add a disclaimer to communications related to CMS-regulated Medicare products, including in phone calls.
The required new disclaimer states: “We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.”
In addition, the new rules require that broker phone calls related to CMS-regulated Medicare products be recorded.
This helpful recent Newsweek article provides more detail. The text of the full CMS Final Rule can be found here.
California Agents & Health Insurance Professionals (CAHIP) is urging CMS to remove licensed and certified independent agents and brokers from the new requirement.
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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