California Carrier Partner Updates


Here is an overview of updates from our California carrier, health plan, and administrator partners. For details, click on the related link (if any).


  • Aetna
    • 2023 Incentive: Selling new Aetna Small Group fully insured and Aetna Funding Advantage business plans to groups with up to 100 eligible employees can earn you more in 2023. Two bonuses are available based on total enrolled employees. Find out more in our Newsroom.
  • Anthem Blue Cross
    • 6% Commission: Anthem continues to offer 6% commission for the life of the case for groups of eight or more enrolled employees with an effective date through January 2023. Visit our Newsroom for more.
  • Blue Shield of California
    • Small Business Incentive Continues: Blue Shield of California is offering an added reward for members who enroll in Trio HMO, Tandem PPO, Dental, Vision, and Life products through January 2023. Download the flyer and learn more in our Newsroom post.
  • Delta Dental
    • Retention Bonus: If you’re not already registered, time is running out on Delta Dental’s broker reward. It’s available for Small Group brokers who retain at least 92% of your book of business through 2022 and meet a new sales reward level. Do both, and you’ll earn a bonus for each. Read more in our Newsroom.
  • Health Net
    • ​Peak Season Bonus: There’s an added incentive for your new Health Net sales with effective dates through January 2023. Earn a special 6% commission for the life of the case on groups of 9+ enrolled subscribers.
  • ​​Humana Ancillary
    • Specialty Growth Bonus: Humana is still offering a tiered bonus for multi-line sales through January 31, 2023. It’s available on both new business and the retention of existing business. To learn more, read our Newsroom story.
  • Kaiser Permanente 
    • Q4 Bonus: Kaiser Permanente is offering a $100 broker bonus for each enrolled subscriber for new Small Groups sold with a December 1, 2002, or January 1, 2023, effective date. It’s available on business written through any channel, including the Word & Brown General Agency and CaliforniaChoice. Visit our Newsroom for more information.
  • UnitedHealthcare
    • Sales & Retention Bonuses: Two broker bonuses from UnitedHealthcare are available for business effective through March 31, 2023. Bonus one is on fully insured and level-funded new business and retention sales to groups with up to 100 eligible employees. Bonus two is on new, fully insured Harmony Medical sales. Get details in our Newsroom story.


  • Multiple Carriers
    • Q1 2023 Quoting: Quoting is now available for many of our carrier partners for your renewing and new business clients with effective dates in Q1 2023. Login or contact your Word & Brown team for assistance.
  • Aetna
    • 2023 Broker Toolkit: Aetna has published its 2023 toolkit for brokers who sell small business Medical. Download your copy today.
    • Updated Forms – Aetna has revised its Enrollment/Change/Waiver form and Employer Application. The revised forms are both awaiting regulatory approval. Visit our Insurance Forms Library to download your copies today.
  • Anthem Blue Cross
    • Provider Network: Anthem has successfully negotiated a new multi-year agreement with Stanford Health. Hospital and PPO Medical Group providers are retroactive to 9/1/2022; HMO Medical Group providers are effective 12/1/2022.
  • Blue Shield of California
    • Q1 Renewals: Blue Shield of California’s Small Group Online Renewal (SGOR) is available for renewals through March 2023.
    • Plan Changes: 11 PPO and five HMO Medical plans have new cost-sharing changes for 2023. Plus, Blue Shield is expanding its network for Bronze HMO 7000/70. Ask us for details, or download the latest collateral in our Insurance Forms Library.
  • Health Net
    • Q1 2023 Rates: Small business rates for HMO plans for Q1 2023 will have a 0.9% increase, while PPO plans have a 1.5% decrease.
    • Optional Chiro: All PPO plans will have a new Chiro rider option for 2023. The cost will be $3.00 PMPM.
  • Kaiser Permanente
    • HSA-Qualified Plan Changes: The Internal Revenue Service is has raised minimum deductible levels and allowable out-of-pocket maximums (OOPM) for 2023 Health Savings Account-qualified plans. Changes apply at renewal. Some deductibles and OOPMs may increase to maintain proportionality in plan design.
  • ​​​​​​​​Sharp Health Plan
  • Sutter Health Plus
    • 2023 Rates: Sutter Health is forecasting an annual average 5% rate increase for Large Group Medical and Pharmacy benefits in 2023. 4th Quarter 2022 rates for Small Groups reflect a nominal average increase of 3.1%, with an average 1.7% increase in 1st Quarter 2023 – well below the market average increase of nearly 5%.
  • UnitedHealthcare
    • Level Funding Appointment Change: UnitedHealthcare has implemented a new appointment process for Level Funding products. Appointment processing is transitioning from the All Savers L&C team ( to UHC Credential team ( Now there’s a single appointment process for both lines of UHC products.

Ancillary and Other Coverage

  • Aetna
    • Bundle Savings: Offer your clients big savings when bundling Aetna Dental and Vision. The premium credit continues through 1/15/2023. Download the Bundle Up employer flyer, or ask us for details.
    • 2023 Broker Toolkit: Aetna has published its 2023 broker toolkit. Download yours in our Insurance Forms Library.
  • California Dental Network
    • Member Marketplace: CaliforniaChoice has launched its new Member Marketplace, which offers current CaliforniaChoice members the opportunity to purchase supplemental products from MetLife: Accident, Critical Illness, and Hospital Indemnity Insurance as well as Legal Plans. CalChoice brokers earn 5% commission each time a member from any of your CalChoice groups enrolls in Member Marketplace products. You can also opt-out groups if you don’t want them to be offered the MetLife products. Talk with your rep to learn more or check out our Newsroom post.
  • ChoiceBuilder
    • More Choices for More Employees: Don’t forget, ChoiceBuilder now writes groups with up to 500 employees. You can offer employer-sponsored or voluntary coverage – or both. ChoiceBuilder’s portfolio includes multiple carriers and a choice of Dental, Vision, Chiropractic (or Chiropractic & Acupuncture), and Life – alone or in combination.
  • Delta Dental
    • ​2023 Forms: New application forms for 2023 for Dental and Vision as well as a Small Business Dental and Vision program brochure are available in our Insurance Forms Library.
  • E.D.I.S.
    • Dental: E.D.I.S. is offering higher commissions on its exclusive, fully insured Freedom Dental PPO plans in addition to a potential bonus of $750 per case 
  • United Concordia Dental
    • UC Vision: United Concordia Dental has launched a new Vision plan, UC ClearVision. UC ClearVision is powered by the solid administration experience of VSP Vision Care, the country’s largest vision benefits administrator. Vision rates are discounted by 10% when UC ClearVision is bundled with United Concordia Dental. Rates cards for two options – 70% participation and 90% participation – are available in our online Insurance Forms Library, along with a Broker Overview, Employer FAQs, and plan comparison pieces.
  • UnitedHealthcare
For details on any of these updates, contact your Word & Brown representative.
It’s November, so we also want to say “thanks” for your partnership in 2022. Best wishes for a happy Thanksgiving holiday!

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