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Visit our new website for the Sacramento and other NorCal Offices
by Rosa Tessandori » Friday, June 01, 2018 10:34 AM

We have a new  website for our Northern California Agencies.
Please visit:
There are no changes to our physical address or contact information.  
We hope you like our new look, tools and resources!
If you have any questions, please email or call us at: 
RBG - Sacramento Office
6540 Lonetree Blvd. Suite 100
Rocklin, CA 95765
(916) 960-0400

Carrier & Compliance Updates 4.2.18
by Rosa Tessandori » Wednesday, April 04, 2018 11:12 AM


  • Q3 Renewal Release Dates:  Begin downloading the Q3 renewals online by logging into the  BSC Renewal Center site starting April 16, 2018.  Employer kits will be mailed out starting April 20, 2018. Make group level changes using the online BSC Renewal Center starting April 17, 2018.
  • Group Term Life Insurance - Quick Match ProgramSM  Improvements:  Through the end of 2018, help employers with 10-100 eligible employees consolidate and simplify administration of their existing life insurance under one administrator, click here to learn more.  New or existing groups are eligible.  
  • Dental, Vision and Life - Sales Incentive Program:  Earn $10 per "net new member" through December 1, 2018. Click here to learn more.


  • No-Fee FSA: Groups with 15 or more enrolled employees can request Full Flex Spending Account administration through WageWorks.  To submit a request, groups must complete the Full FSA Election Form for review by California Choice Underwriting.


  • No-Fee FSA for California Small Business Contracts:   CA Small Business Groups with 2 or more enrolled in medical, are eligible for No-Fee Full FSA Administration. Dental only or vision only contracts are also eligible!  UHC also offers CA Small Business groups with 20 or more employees, No-Fee COBRA administration services.  All CA Small Business groups with 2 or more enrolled employees are eligible for a No-Fee Premium Only Section 125 Plan (POP).  Existing CA UHC Small Business groups can learn more by clicking hereAlready have medical elsewhere?  Not a problem, sell a CA UHC Small Business dental or vision plan to access your No-Fee FSA, POP or COBRA administration services.  Email us at for a CA UHC Small Business dental or vision quote today!


  • GGAHU Annual Sales Symposium - April 26, 2018:  Join Canopy Health at the Golden Gate Association of Health Underwriters sales symposium at the Crown Plaza in Concord, CA.  This years theme is "Bending the Curve - Diversifying your Skills for Success".  Click here to learn more.


  • Do Not Restrict or Retaliate Against Employees Discussing Wages:  Help your clients stay compliant and not go afoul of HR violations.  To learn more about this topic, click here.  Sign up for HR AnswerLink to help keep your groups informed, email us at to request  pricing information. 


  • EXPO - Save the Date: Join the Sacramento Association of Health Underwriters (SAHU) on April 17th, 7:30 AM - 3:00 PM, click here for additional details.  

View Document
Carrier Updates 3.26.18
by Rosa Tessandori » Thursday, March 29, 2018 8:04 AM


  • Q3 Rate Action:  BSC announced a third quarter rate pass for all medical and specialty plans.  Rate are available for quoting. For more information, click here.
  • Digital Health Records:  BSC will require providers to join Manifest MedEx, the largest nonprofit health information network that is creating comprehensive, real-time digital health records for all Californians.Click here to learn more.


  • Big Broker Bonus:  The bonus program has been extended through June 1, 2018 effective dates.  Click here to learn more.


View Document
Carrier & Compliance Updates 3.19.18
by Rosa Tessandori » Tuesday, March 20, 2018 4:42 PM


  • Urgent Care Flier:  Remind BSC members that they can save time and money by skipping the emergency room and utilizing an urgent care center when seeking treatment for sprains, strains, cuts, abrasions and other non-emergency medical conditions.  Click here to learn more.  Special Note:  HMO Members (Access +, Local Access+ and Trio ACO) must obtain an authorization from their doctor's office or IPA before receiving urgent care services. 


  • Hitting the 15 Employee Benchmark?   Learn what federal laws will apply once an employer reaches 15 here
  • Employee Handbook Recommended Update: California's Reporting Time Pay Regulations, are your clients compliant with the new regulations?  If not, click here for more information.

HR 360

      Quarterly Compliance Newsletter

  • 'Pay or Play' Penalty Letters on The Way to Employers
  • DOL Updated Employer CHIP Notice (expires 12/31/19)
  • New Test for FLSA Applicability to Intern
  • IRS Releases New Income Tax Withholding Tables
  • EEOC Releases Workplace Harassment Prevention Guidance

View Document
Carrier & Compliance Updates 3.13.18
by Rosa Tessandori » Thursday, March 15, 2018 12:13 PM


  • Life Insurance: Aetna has completed the sale of their U.S. Group Life and Disability Insurance business to The Hartford insurance company. Effective 4/1/18, Aetna Small Group will no longer sell life products to new business, click here to view a copy of the plan sponsor letter regarding the transfer of existing Aetna Life and Disability groups. For more information on the acquisition, click here.
  • Dental Rates: A 24-month Rate Guarantee is available for dental groups with effective dates now through June 15, 2018. In addition, effective April 1st, dental rates for the Metallic Dental plans have been reduced by 10%. Click here for more details.
  • Medical Prior Carrier Deductible Credit: Participants must submit a copy of their HIPAA Certificate reflecting their last day of coverage under the prior plan, a copy of the most recent Explanation of Benefits (EOB) for each enrolled family member and current group information (Group Name, Group #, Member ID# or Social Security#). 
  • My Anthem News: View the March issue, a copy will soon be emailed to your clients, view it before they do. 
  • EXPO - Save the Date: Join the Sacramento Association of Health Underwriters (SAHU) on April 17th, 7:30 AM - 3:00 PM, click here for additional details.
  • Adjusted 2018 limits for HSA, Adoption Assistance and MSA Accounts: Dollar amounts previously released for 2018 have been adjusted. Special note for HSA participants who have already funded the annual maximum contribution amount for 2018, those participants will need to initiate a correction for contributions made for 2018. Click here for a review of the new limits.
  • Commuter Benefits - IRS 2018 Publication 15-B Released: The 2018 release of Publication 15-B includes important information regarding changes to the tax treatment of commuter benefits and the suspension of qualified bicycle commuter benefits. Click here for more details.

View Document
Carrier & Compliance Updates 3.5.18
by Rosa Tessandori » Monday, March 05, 2018 6:53 PM


  • Life Insurance - What's it good for? Click here to share this info graphic.
  • Life Takeover Provision: Want to change carriers but think you have to wait until employees on disability return to work? Don't worry, UNUM's takeover provision will cover them, even if not actively at work. Click here for more information.


  • $400 Amazon Gift Card: Offer valid from March 1 - July 1, close 6 cases and earn the gift card! Contact your RBG Sac sales representative for more information on how employers benefit when providing Healthiest You and Best Doctors to help their employees save time and money.
  • Webinar: View the product/services overview.
  • Federal Law Alert: Second Circuit Rules Sexual Orientation is Protected by Title VII, click here to read more. 


View Document
Carrier & Compliance Updates 2.26.18
by Rosa Tessandori » Friday, March 02, 2018 4:38 PM


  • Reduced Participation:   Groups with 5 or more enrolling members are eligible for a reduced 30% participation requirement through June 15, 2018.  Download a copy of the Q2 presentation.


  • Small Broker Update: Broker Connection Resources, Account Management and Producer Services Support, Specialty Benefits, Reduced Participation for PPO/HMO groups, Waived Participation for Trio HMO Only Groups and 1095-Bs are in the mailclick here for details.


February Chronicle

  • South Bay Expansion Webinar:   Download a copy of the presentation.
  • Expansion Party:  RSVP to join the Expansion Party on March 8th.
  • Dignity Health:  Pending regulatory approval, Dignity Health will be part of the 2018 Expansion.
  • Cadillac Tax:  Congress delays implementation
  • Health Carrier Partners:  View details on Health Net, United Health Care and Western Health Advantage.


  • Harassment - Do We Need the Alleged Victim's Permission to Investigate? Click here to learn more. 


  • Newswire  Feb 21. 2018:  Short-Term Plans Expansion, ACA Fines, CMS Value-Based Payment for Medicare Delayed and more, click here to view the report.  

View Document
Carrier & Compliance Updates 2.20.18
by Rosa Tessandori » Tuesday, February 20, 2018 3:01 PM


Rogers Benefit Group  has partnered with UNUM, a highly reputable carrier offering quality products and service.  We are  now quoting life, disability, dental and vision products.  Click to learn more about UNUM and about the competitive advantage of their dental products.

  • February Webcast:  Join UHC on February 28, 2018 at 2:00 p.m. for Northern California Small Group underwriting and ancillary updates, click here to add to your calendar.  Registration is not required, but space is limited.
  • Webinar:  Learn more on  how to expand your product offerings and enter to win a $100 gift card February 22, 2018 at 11:00 CST, click here to register.  
  • 2018 Commuter Program Changes: The White House Chief Counsel's office confirmed that as of 1/1/18, that pretax salary reductions taken by an employee are NOT a deductible business expense for the employer.  For more details, click here.
  • ACA Individual Mandate Enforcement:  For Tax Year 2017, the IRS will not consider a return complete and accurate if the taxpayer does not report full-year coverage, claim a coverage exemption, or report a shared responsibility payment on the tax return, click here for more details.
February 28, 2018    Deadline to file 1094-C/1095-C schedules if paper filing
March 2, 2018
Deadline to furnish 1095-C schedules to employees
(extended from January 31)
April 2, 2018Deadline to file 1094-C/1095-C schedules if electronic filing
July 31, 2018
Form 720 (PCORI) due from self-insured plans
(includes self-insured employers)

View Document
Carrier & Compliance Updates 2.12.18
by Rosa Tessandori » Tuesday, February 20, 2018 2:56 PM


      Q2 Updates

  • Rate Changes & Marketing Update:   MC/PPO rate pass, HMO - So Cal 2.8% (areas 12-19) increase and HMO - Nor Cal 8% (Areas 1-11). 
  • 2018 Small Group Benefits and Plan Guide Toolkit:  Copy attached.
  • 2018 Underwriting Guidelines: Copy attached.
  • Employer Eligibility Underwriting Guideline Change:  The owner or officer signing the employer group application for the group must be a resident for tax purposes in the state in which the group is applying for medical coverage.
  • Plan Name Changes:  View the toolkit.
  • Reminders for Submission Deadlines


      Partner Alert
  • CCSB-Exclusive Certification Program: Licensed insurance agents interested in selling only CCSB will be eligible for an online licensing training program. More to come about this new certification program in the months ahead. 
  • Agent Bonus Program Now thru June 1, 2018
  • Partnership with EaseCentral:  CCSB is now included on EaseCentral’s integrated software platform.
  • 2018 Submission Deadlines and the Late Application Policy:  Both are available for viewing and downloading.
  • Enroll Faster and Expedite Access: Groups can now pay CCSB upon completion of their application, rather than waiting for the first month’s invoice .
  • CCSB Plans Offer Infertility Coverage if Elected 
  • Updated 2018 Forms are Available for Downloading 
  • View the Top 9 Reasons for Selling CCSB
  • View Upcoming Events
  • 2018 Metal Plans & Network Summary:  Both are available for downloading.

  •  2018 Large Group Broker Bonus Program:  To learn more, click here.  Up to $100 bonus per new member!

  • Need Aggregation Analysis for Common Ownership Groups?  ERISA Compliance Services provides Commonly Controlled Group analysis and ACA 1094 & 1095 Reporting Servicesclick here for more information.

E is for ERISA
  • Management Carve Outs in Group Health Plans:  View the top 10 questionsclick here.

View Document
ACOs Used To Make Me Yawn. Not So Much Now. 2.6.18
by Rosa Tessandori » Thursday, February 08, 2018 2:34 PM

From the desk of Craig Gandy,

My initial reaction to Accountable Care Organizations (ACOs) was “Let me know how that goes once you get it figured out.”  I can now say some data from Blue Shield of California (BSCA) has caused me to pause, as well as adopt a new perspective:
BSCA’s Trio HMO product has more than 200,000 members. In Large Group alone this product’s membership has grown by more than 300% in the last 12 months. 

Here's some context: BSCA launched its first ACO in 2010 and has been expanding ever since. They now have more than 42 ACOs in 22 regions, serving 385,000 Californians. That’s an impressive track record. Since it began, Blue Shield's ACO program has:
  • Reduced hospital admissions by 21%
  • Decreased days that patients stay in the hospital by 19%
  • Saved more than $440 million in estimated healthcare costs

As Trio ACO enrollment continues to grow both in large and small group, so does the Trio Network.  View the Trio Network Guide for details.

This is just another topic to get your conversation away from pretty spreadsheets and a low number. Make sure you have this conversation with your client before another broker does.

For more information talk to your
 RBG Sales Representative:

 Valerie Loui │Cell: 916-425-9499
Greater Sacramento:  Sacramento, Placer, San Joaquin, Stanislaus, Solano, Nevada, El Dorado
Marcy McCulloch │ Cell: 916-634-3031
Greater Sacramento:  Sacramento, Placer, San Joaquin, Nevada, El Dorado
Steve Moore │Cell: 707-849-2709
Greater Bay Area:  Napa, Sonoma, Marin, San Francisco, Contra Costa, Alameda
Tom Zendarski │Cell: 925-285-7800
Greater Bay Area:  San Francisco, Contra Costa, Alameda

Ed Buck │Cell: 559-960-5066
Central Valley:  Fresno, Kings, Tulare, Madera, Merced

Susan Priddy │Cell: 530-518-4211
Northern California:  All Counties North of Sacramento

Carrier & Compliance Updates 2.5.18
by Rosa Tessandori » Thursday, February 08, 2018 1:29 PM

  • Tandem PPO Pairing with Full PPO BSC producer alert correctionthis option is not yet available. This option will be available beginning with April 2018 effective dates.

      Your Choice Updates
  • Kaiser Rate Parity
  • Continued Convenience of multiple carriers under one contract
  • Big Bonus = $$$
  • New Member Value Program (MVP) Discounts
  • Webinar -  Tax Reform Implications for Pre-Tax Benefits:  Thursday, February 8 at 1:00 pm ET, click here to register.

      Compliance Alerts
  • Cadillac Tax Delayed to 2022
  • Children’s Health Insurance Plans (CHIP):   Funding has been approved for the Next Six Years
  • Health Insurance Fee Waived for 2019
  • 2.3% Medical Device Excise Tax Delayed Until 2020

      Health Care Reform Update
  • CA SB 562 (Lara and Atkins) Universal Single Payer:  SB 562 bill still sits at the Assembly Desk.
  • CA Select Committee on Health Care Delivery Systems and Universal Coverage:  View statements made to the committee.
  • DOL Association Health Plans (AHP) Proposed Rule:  This rule will 1) Allow associations to be formed solely for the purpose of obtaining health insurance, 2) Expand the types of employers that are eligible to participate and 3) Expand the ability to offer insurance across state lines.
  • Reminder Individual Mandate Still Effect in 2018
  • CHIP Funding
  • Legislation Requesting Removal of Insurance Producers from MLR - H.R. 4575 

View Document
Carrier & Compliance Updates 1.29.18
by Rosa Tessandori » Wednesday, January 31, 2018 6:12 PM


Broker Update

  • More Flexibility With Tandem PPO: Small business groups now have the option to select Tandem PPO plans and Full PPO Network plans together.
  • BSC Continues To Make it Easier To Do Business In 2018: Relaxed participation guidelines are extended through March, requiring only 25% employee participation with a minimum of five enrolled employees for medical plans. View the Relaxed Participation flier. For groups selecting Trio plans only, take advantage of waived participation requirements.
  • View Q2 2018 product and rate cycle updates
  • Bonus Statements: You can now view, print, and download your bonus statements through ICM, same as you can with commission statements.
  • Determining Group Size: View notes to help you accurately complete new group submissions and reduce the possibility of pended applications.
  • "Select All": When renewing a group online, "select all" plans to continue offering all plans all year long.
  • CMS Reporting Requirements Renewal Form: To continue to comply with CMS requirements, remind groups to complete the CMS form enclosed in their renewal packet and return it to Blue Shield within 10 days.


  • Medicare Part D 2018 Creditable/Non-Creditable Plans: View by carrier a list of plans, click here.

View Document
Carrier & Compliance Updates 1.22.18
by Rosa Tessandori » Friday, January 26, 2018 8:07 PM

  • Specialty Bonus:  The more you sell the more you earn.  You have all of 2018 to sell dental, vision*, and life* insurance small business products from Blue Shield.  Download the  incentive program details.

  • New - Restaurant & Hospitality Association Benefit Trust:  UnitedHealthcare works with the National Restaurant Association (NRA) and the California Restaurant Association (CRA) in a strategic alliance, offering exclusive health care pricing and solutions for every size NRA/CRA member business — including small, midsize and large employers.  Contact your RBG Sales Representative for additional information.
  • January BrokerCast:  If you missed the January BrokerCast, click here for a copy of the presentation.
E is for ERISA
  • Tax Relief for Victims of Wildfires, Flooding, Mudflows and Debris Flows in California:    The IRS has announced tax deadline extensions to individuals and businesses affected by the Thomas fire and subsequent flooding, mud and debris flow in Santa Barbara and Ventura counties.  The same relief is extended to individuals and businesses in San Diego and Los Angeles counties affected by wildfires and related natural disasters occurring since December 4, 2017, and is triggered by President Trump’s disaster declaration for these areas.  Significantly for “Applicable Large Employers” as defined by the ACA, the relief does not extend to Forms 1094-C and 1095-C, which are due in the early months of 2018, as discussed in our earlier post.  Click here for additional details.
  • Federal Law Alert:  For employers with 10 or more employees, view the reminder to post your OSHA 300A form by February 1st and if applicable, submit your OSHA 300A report online by July 1st.  

View Document
Carrier Updates 1.16.18
by Rosa Tessandori » Wednesday, January 17, 2018 9:10 AM



  • Relaxed Participation: Blue Shield has extended their relax participation program through March 31, 2018, click here for more details.


Broker Update

  • Kaiser Rate and Benefit Parity: Whether you write Kaiser directly or through California Choice, you’ll see no change in premium or coverage.
  • February and March Bonus: California Choice will pay you an extra $50 bonus for every employee on all groups with a minimum of five employees.


Broker Connection

  • Vision Plan Satisfaction: J.D. Power study ranks UHC vision highest in customer satisfaction.
  • General Managers: New GMs were announced for Northern and Southern CA.
  • Real Appeal Webinar: The half-hour session helps engage employees in the Real Appeal weight loss program.
  • Broker Webcast 2/28/18 at 1 p.m. E.T.: The one-hour webcast provides an overview of the tools and resources on the United eServices site, click here to register. Note: Dial-in information will be sent via email 3-5 days prior the webcast.  
  • Technology Upgrade: The Employer eServices Customer Reporting (eCR) tool will undergo a technology upgrade to a new version of software at the end of the month. 

View Document