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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.
Start Including Health Net in Your Quotes Today!
Need guidance on networks, plan designs, or have questions? We’re here to help!
Call us at 800.696.4543 | Email us at info@claremontcompanies.com
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Disability Guard for Doctors™ delivers unparalleled group long-term disability (LTD) coverage, designed exclusively for physicians. Unlike standard LTD policies that use broad disability definitions, this specialized solution provides higher income protection by defining disability based on actual medical procedures (CPT, CDT/ADA codes) performed in the 12 months before disability. If a doctor is unable to perform one or more of these procedures, they are considered disabled—a level of precision absent in typical group LTD plans.
Physicians with traditional LTD coverage often face significant income protection gaps. Many individual disability insurance (IDI) policies cap benefits at $10,000 per month, covering just 33-40% of earnings. Financial advisors recommend covering at least 60% of income, making this specialized group LTD solution an essential addition to physician benefits.
Disability Guard for Doctors™ provides the tailored coverage doctors need and expect from IDI, with the added benefits of group insurance:
Through an exclusive partnership, MGIS and Reliance Matrix provide industry-leading group disability and specialty coverage for doctors in all medical specialties and practice settings, with:
Available to groups with 3+ eligible employees, Disability Guard for Doctors™ makes it easy for practices of all sizes to secure specialized income protection that traditional group LTD policies fail to provide.
To learn more, view these resources:
Questions?
Contact The Answer Team at 800.696.4543 or info@claremontcompanies.com.
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