PRISM Login

To access the carrier product and rate information provided by PRISM, check the box below indicating you have read and agree to the license agreement. A button will then appear to access PRISM.

This site uses cookies to track your agreement option. If the terms of the license agreement change or if you clear the cookies from your browser, this page will appear once again during the PRISM login process.

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.

Login To Prism

Short-Term Health Plans, California Says: “No”

Short-Term Health Plans, California Says: “No”

By Ken Ruotolo, Chief Operating Officer, Oct 15, 2018, 2 Minute Read

Under the Affordable Care Act (ACA), insurers are permitted to sell short-term health plans that are not required to meet the higher standards imposed on traditional plans. Short-term plans are meant to act as a bridge for individuals transitioning from one form of comprehensive coverage to another and as such their term is limited to three months.

On August 1, 2018, the Trump administration issued a final rule redefining the permissible term of short-term plans to 364 days and adding that such plans could be renewed twice, effectively allowing a subscriber to stay covered under a short-term plan for three years. The goal, according to the Trump administration, was to provide more options for individuals not wanting to purchase the more comprehensive coverage required of traditional ACA plans, which are also more expensive than short-term plans.

In California, lawmakers and insurance carriers became concerned that healthy individuals, who would be willing to forego higher benefits in exchange for lower cost, would terminate coverage in traditional plans and enroll in short-term plans; this could have the effect of destabilizing traditional insurance pools. In addition, lawmakers, in particular, were concerned that consumers might enroll in short-term plans not understanding that they do not provide the kind of coverage or financial protection embedded in traditional ACA plans.

To address these concerns, State Senator Ed Hernandez wrote Senate Bill 910 that bans short-term plans outright in California. Since most insurance is regulated at the state level, California’s action on this matter could not be overridden by the federal government. Governor Jerry Brown agreed and signed SB 910 into law in late September. Effective January 1, 2019, short-term health plans cannot be sold in California.

Questions?
Contact our small group experts at 800.696.4543 or info@claremontcompanies.com.


Get The Latest News with Text Messaging!

Your success is important to us, and we’re actively working on new solutions to support you throughout the year. To get the latest news via text messaging in the future, simply provide your cell phone number here.

Sign Up for Text Messaging