Claremont Insurance Services

Claremont Insurance Services Claremont Insurance Services is a leading General Agency serving employee benefits brokers and agent

Claremont helps clients increase revenue, reduce operational costs and reduce risk by truly understanding the California market, then sharing that insight with brokers and agents to ensure they can best serve their clients. Claremont focuses on building their clients’ businesses through market analysis, product education, and a comprehensive portfolio of competitive health, dental, and ancillary insurance plans.

Your clients are feeling the pressure of rising health plan costs. You already know that. The harder question is: what a...
05/28/2026

Your clients are feeling the pressure of rising health plan costs. You already know that. The harder question is: what are you doing about it?

The answer starts with knowing the market better than anyone else. Claremont's Q3 reports make that easier:

• See the 20 lowest cost medical plan options statewide, broken down by rating region and all four metal tiers.
• Compare top-selling PPO plans from three major carriers on one color-coded report.
• Spot where your clients are overpaying and where they have better options waiting.

The brokers who hold onto clients through tough renewal seasons are the ones who show up with solutions. These tools help you do that without burning half your week on research.

Both reports are updated quarterly, so you always have current data.

Download the Top 20 Lowest Cost Medical Plans Report and the Top 3 Carrier Price Comparison (links below). Or connect with the Claremont Answer Team at [email protected] or 800.696.4543.

Top 20 Lowest Cost Medical Plans Reports
https://ow.ly/SLUA50Z1Int

Top 3 Carrier Price Comparison
https://ow.ly/MRiK50Z1ImM

05/27/2026

One number that can change the whole conversation: zero.

HealthNet, Inc. is currently the only carrier in the California small group market offering $0 deductibles on all HMO plans. When you're sitting across from a small business owner who is tired of employees complaining about out-of-pocket costs, that number tends to resonate.
Here's what makes Health Net's HMO lineup worth quoting:

• $0 deductibles across all HMO plans — no other carrier matches this.
• Broad statewide network access, including all Sutter facilities.
• Competitive pricing that holds up against Anthem and Blue Shield.
• Five years of rate stability to help clients plan ahead.

Sometimes the simplest benefits are the most powerful ones. Lead with $0, then let the rest of the package do the talking https://ow.ly/I5G950Z1t7R

Ready to quote Health Net? Contact Claremont at [email protected] or call 800.696.4543.

05/26/2026

Not all telehealth is created equal, and the difference matters to your clients.

Starting in January 2026, Blue Shield of California replaced Teladoc and Nurse Help 24/7 with Virtual Blue for the renewal of small-group off-exchange PPO plans. Here's what members now get:

• Same-day primary care appointments with a personal physician.
• Specialty care across 20 specialties: no referral needed, confirmed within 3 days.
• Behavioral health coverage, including unlimited talk therapy for members ages 3 and up.
• Doctors, nurses, and health coaches available 24/7.
• Zero co-pay on virtual visits (subject to deductible for HDHPs).

Want to see how this fits your clients' renewals? Reach out to Claremont at 800.696.4543 or [email protected].

Learn more https://ow.ly/CWHl50Z1sZS

05/22/2026

There's a reason brokers keep coming back to Health Net. It checks a lot of boxes at once.

In a market where cost, flexibility, and employee satisfaction all have to line up, that's not easy to find.

Why quote HealthNet, Inc.:

• $0 deductibles on all HMO plans — the only carrier offering this.
• Wellness rewards of up to $200 per year per member, paid in gift cards.
• 61 plan options to mix and match for almost any group situation.
• Simplified underwriting with low participation thresholds and minimal documentation.
• Competitive rates backed by a broad network that includes Sutter, with Cigna for out-of-state employees.

If you have not quoted Health Net, it’s time to take another look https://ow.ly/I5G950Z1t7R

To learn more, register for the Health Net Small Group Wellness Programs webinar on May 28th at 10:00 am PT (https://ow.ly/CwnV50Z1t8s).

The Claremont Answer Team is ready to help. Contact us at 800.696.4543 or [email protected].

You do not need to run 40 quotes to know if a prospect is worth your time.Here is a faster approach for Q3:• Pull the To...
05/21/2026

You do not need to run 40 quotes to know if a prospect is worth your time.

Here is a faster approach for Q3:

• Pull the Top 20 Lowest Cost Medical Plans Reports and compare statewide broad and narrow network options in minutes.
• See all four metal tiers for every rating region on one page.
• Qualify price-conscious prospects quickly before you ever pick up the phone.

The Top 3 Carrier Price Comparison takes it further. It puts Blue Shield, Anthem, and Health Net PPO plans side by side, color-coded so you can spot the savings opportunities immediately.

Together, these two reports help you figure out who to call, what to say, and which renewals to prioritize first. That is a real competitive edge heading into a tough renewal season.

Claremont updates both reports every quarter, so the data is always fresh. No subscriptions and no complicated software. Just current market intelligence in your hands.

Grab the Q3 reports using the links below or contact us at [email protected] or 800.696.4543.

Top 20 Lowest Cost Medical Plans Reports
https://ow.ly/SLUA50Z1Int

Top 3 Carrier Price Comparison
https://ow.ly/MRiK50Z1ImM

05/20/2026

HealthNet, Inc. is hosting a free broker webinar on May 28 covering the full range of no-cost wellness programs available to Small Group employers and their members.

• Date: May 28, 2026
• Time: 10:00 a.m. Pacific
• Presenter: Lora Maloof-Miller, Health Net Program Manager for Wellness and Quality Improvement

Knowing these programs inside and out gives you an edge at open enrollment. Register here: https://ow.ly/CwnV50Z1t8s

Learn more https://ow.ly/I5G950Z1t7R

05/19/2026

Carriers come and go in broker conversations depending on who's competitive that quarter. Blue Shield of California is worth a closer look for your small group clients this Q3, and not just because of the rates.

• Rates are competitive: 3.6% average statewide, 2.7% for HMO, 3.8% for PPO.
• Virtual Blue brings virtual care to PPO members with primary, specialty, behavioral health, and 24/7 support, and zero co-pay on visits.
• The Producer Rewards program lets you earn points on every medical, dental, vision, and life enrollment, and bundle bonuses double your payout on ancillary coverage.

Contact the Claremont Answer Team today to get your Blue Shield quotes. Call 800.696.4543 or email [email protected].

Learn more https://ow.ly/CWHl50Z1sZS

05/13/2026

Startups are one of the trickier groups to place. Two weeks of payroll history, a headcount that changes month to month, and an owner who wants coverage yesterday.

Most carriers make it harder than it needs to be. Health Net's Flexible Underwriting was built for exactly this scenario.

What it covers:
• Startups of any size, including groups of one, qualify with just two weeks of payroll.
• Mix and match from all 61 Health Net plans - no restrictions.
• Can be written alongside any carrier, with no limit on the number of carriers, as long as participation is met.
• Groups of 1–3 enrolling require 70% participation.
• Household employers accepted with a DE9C or DE-1HW.

For brokers who work with emerging companies or founders building out their first benefits package, this is worth having in your toolkit. The paperwork bar is low. The plan options are wide. And you can layer it alongside whatever else the group already has in place.

Reach out to your Claremont team at 800.696.4543 or [email protected] to explore quoting Health Net for your groups.

05/12/2026

Stop presenting dental as a standalone line item. Start building group packages that earn more for your clients and you.

Does this sound familiar?

• You win the dental, but leave vision and life on the table.
• Your small-group clients assume they can't afford or qualify for life insurance.
• EAP gets buried in a footnote when it could be a headline benefit.
• You're leaving bonus money unclaimed because bundling feels complicated.

Humana just addressed all of it with three updates worth building your next proposals around:

• Dental Bundling Bonus: Earn up to $800 for placing dental alongside vision, life, or disability for new groups of 10–299, through October 31, 2026.
• Higher GI life limits: Groups as small as 2 employees now qualify for Guaranteed Issue life, with amounts up to $100,000 for groups of 5–9.
• Stronger EAP: Three in-person visits per issue, coverage for the whole family, and no cost when paired with disability and two additional lines.

These aren't incremental tweaks. Together, they make a Humana group package significantly easier to sell and harder for clients to walk away from https://ow.ly/lnTO50YUOnt

Contact us today for a Humana quote, and let's make your next proposal a real differentiator.

Claremont's office will be closed Friday, May 22, and Monday, May 25, so our team can enjoy a well-earned Memorial Day w...
05/07/2026

Claremont's office will be closed Friday, May 22, and Monday, May 25, so our team can enjoy a well-earned Memorial Day weekend. We'll be back and ready to help on Tuesday, May 26.

Have a safe and restful holiday weekend. Reach us at 800.696.4543 or [email protected].

Address

1000 Burnett Avenue, Suite 330
Concord, CA
94520

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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