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Health Net Is Exiting the California Group Market
Health Net will no longer offer small or large group coverage in CA. In-force groups terminate February 28, 2027. Your Claremont team is ready to help find alternatives. Call 800.696.4543 or email quotes@claremontcompanies.com.
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.