Join Humana MP for “How and Why to Enroll someone into LIS”

Learn how to enroll clients with LIS!

This AEP, it will be more important than ever for brokers to understand “how and why” they should spend their time enrolling an insured into LIS. Humana MP is rolling out in 81 Ohio counties with either a $25/$29 monthly premium. To take full advantage of the new LPPO product you will need to fully understand how to enroll your insured’s into LIS. In some cases you may be able to reduce the monthly premium to $0!

Join Cornerstone & Humana for a webinar to find out both where online to do this and why it is worth your time. Invest in yourself and take advantage of this opportunity to learn how and why to enroll your clients in LIS with Humana Marketpoint.


DATE: Wednesday September 13

TIME: 9:30am -11:30am

 

  • Watch Bill Johnson of Humana MP do a live LIS application on the Social Security website
  • Learn how to properly complete an LIS paper application
  • Find out why applying for your insured’s approval for LIS will be beneficial for 2018 with the new Humana MP LPPO product

New Dental 50+ Plans Available with UnitedHealthcare

UnitedHealthcare’s new UnitedHealthcare Dental 50+ offers benefits and features designed for clients age 50 and over and their spouses. Dental 50+ plans, underwritten by Golden Rule Insurance Company, cover routine cleanings and x-rays as well as basic services including periodontal maintenance and denture repair, rebase, and relining.

Learn more here.

Coventry Writing Number Change

AETNA/COVENTRY – Use your NPN on all Medicare enrollments starting September 1 

Starting September 1, you must use your National Producer Number (NPN) when submitting enrollment applications for Aetna and Coventry Individual Medicare products (MA/MAPD, PDP). They are discontinuing use of the Coventry Agents Writing Number (AWN).

  • You must use your NPN on all Aetna and Coventry MA/MAPD and PDP enrollments beginning September 1, 2017. Please keep in mind that Coventry apps will refer to the AWN until 2018 forms are released.
  • The Coventry Broker Portal is closing.

App Tracker will be accessed through Producer World.

Read the full details here.

Humana Transitional Relief Strategy

Earlier this year CMS sent a bulletin that outlined guidance for an Extended Transitional Policy. For states that allow Extended Transitional Policy, small group employers (1–50 employees on payroll) can keep their current medical plans and continue to be medically underwritten until December 31, 2018.

Beginning January 1, 2019, all medical plans must be community rated and Affordable Care Act (ACA) compliant, with the exception of grandfathered plans.

 

Humana is providing two renewal options for their customers:

Long Renewal to January 2019 (AZ, FL, GA, IL, KY, LA, MO, OH, TN, TX, UT and WI) for eligible groups with 10/1, 11/1, and 12/1 2017 renewal dates

Short Renewal to January 2019 (AZ, FL, GA, IL, IN, KS, KY, LA , MI, OH, TN, TX, UT and WI) for eligible groups with a 2/1–10/1 2018 renewal date

Humana will be sending employers an email, notifying them of their option to continue to keep their current medical plan.

 

Important:

  • If an eligible transitional group, with renewal dates of 2/1/18–10/1/18, does not take the Short Renewal option available for them at this time, they will be forced to a community rated ACA plan on their 2018 renewal date.
  • November 2017 and December 2017 transitional groups will not have a Transitional Relief option in 2018. If these groups do not elect the Long Renewal option now, they will be forced to a community rated ACA plan on their 2018 renewal date.

 

Long Renewal:

  • Available to transitional groups with a 10/1, 11/1, or 12/1 2017 renewal date only
  • Long renewal form must be completed, signed by the employer, and emailed to your Cornerstone Broker Advisor
    • In addition to the Long renewal form, KY groups will need to complete the attached Group Maintenance form (in the “Other” section of the Group Maintenance form, note Long Renewal)
  • Deadline for submitting the Long renewal paperwork is prior to the group’s 2017 renewal date (i.e. 9/30 for a 10/1 effective)
  • No additional rating will be added for group’s electing the long renewal
  • Non-Transitional groups are not eligible for the long renewal (this includes groups with over 50 on payroll)
  • Groups will be moved to a community rated plan at their 1/1/19 renewal

 

Short Renewal:

  • Available to transitional groups with a 2018 renewal date of  February 1, 2018 through October 1, 2018
  • Deadline for submitting the Short renewal paperwork is 5 months prior to the group’s 2018 renewal date (see grid below for submission deadlines)
    • For example, a 2/1/18 transitional group will need to have the short renewal paperwork completed and submitted no later than 9/1/17
    • If they end up moving to a community rated plan, the short renewal will automatically be rescinded on their behalf
  • A possible credit could be applied to the group’s 2018 renewal
    • The credit and/or amount will depend on how close to lowest filed rates the group is. It is possible the group would not be eligible to receive a credit.
  • The short renewal form must be completed, signed by the employer, and emailed to your Cornerstone Broker Advisor
  • In addition to the Short renewal form, KY groups will also need to complete the attached Group Maintenance form (in the “Other” section of the Group Maintenance form, note Short Renewal)
  • Groups will be moved to community rated plans at their 1/1/19 renewal
  • Non-Transitional groups are not eligible for this option (including groups with over 50 on payroll)
Shortened 2018                  Coverage Period Number of                                             months between                             renewals Short Option                          Request due date:
2/1/2018-12/31/2018 11 9/1/2017
3/1/2018-12/31/2018 10 10/1/2017
4/1/2018-12/31/2018 9 11/1/2017
5/1/2018-12/31/2018 8 12/1/2017
6/1/2018-12/31/2018 7 1/1/2018
7/1/2018-12/31/2018 6 2/1/2018
8/1/2018-12/31/2018 5 3/1/2018
9/1/2018-12/31/2018 4 4/1/2018
10/1/2018-12/31/2018 3 5/1/2018

 

If you have any questions, please do not hesitate to contact your Cornerstone Broker Advisor.

 

RESOURCES

Short Option Request

Group Maintenance Request

Long Option Request

 

Health Advocate Offering Resources Hurricane Harvey Victims

Health Advocate is offering a list of special web resources to help people respond to Hurricane Harvey, find shelter, access evacuation information, and more.

Click here to access the resources.

Ohio Issue 2: Drug Price Standards Initiative

At Cornerstone’s recent Senior Expo, we received a question about Ohio Issue 2, Drug Price Standards Initiative. With all of the ever-changing federal healthcare reform information, it’s no wonder there is confusion over a state-level ballot initiative. This particular issue has seen a lot of spending on TV ad time. You can view the petition summary filed with the Ohio Attorney General here.

While this issue may impact healthcare reform in Ohio, it is not part of the bigger “repeal and replace” conversation occurring in Washington D.C.

Everyone is in favor of lowering prescription drug costs, but opponents warn that the devil is in the details with this initiative.

Below is a summary of the ballot initiative taken from ballotpedia.org.

What does Ohio issue 2 propose?

This initiative would require the State of Ohio and state agencies, including the Ohio Department of Medicaid, to pay the same or lower prices for prescription drugs as the United States Department of Veterans Affairs. The VA is a federal department and reportedly negotiates drug prices at 20 to 24 percent less than other agencies. [1] Specifically, it would forbid state agencies to enter into any purchasing agreement with drug manufacturers unless the net cost of the drug is the same or less than that paid by the VA. Issue 2 would apply in any case in which the state ultimately provides funding for the purchase of drugs, even if the drugs are not purchased directly by a government agency. Examples of such cases include the Ohio Best Rx Program and the Ohio HIV Drug Assistance Program. Issue 2 would also allow the measure’s petitioners to have a direct and personal stake in defending the law from legal challenges, require the state to pay the petitioners’ reasonable legal expenses, and require the petitioners to pay $10,000 to the state if a court rules Issue 2 unenforceable.

You can view a list of organizations in favor of and opposed to the measure here.


[1] The Plain Dealer, “Advocates submit signatures for ‘Drug Price Relief Act’,” December 23, 2015

Get Appointed and Certified with Ohio’s Best-Kept Secret—The Health Plan!

The Health Plan 2018 Certification and Contracting

The Health PlanThe Health Plan’s 2018 certification is now available. Get contracted and certified today!

Here are some of the reasons you will want to add “The Health Plan” products to your portfolio as a producer:

  • $0 for diagnostic mammograms and bone density exams, and all other diagnostic radiology
  • Excellent drug coverage with very low co-pays
  • A comprehensive network of doctors and hospitals in Northeast and Eastern Ohio and all of West Virginia
  • $0 co-pay for in-network lab work
  • $0 for diagnostic testing
  • Medicare Supplements Product that is very competitive and has not had a rate increase in over four years!

For contracting paperwork, click here.

*Please return ALL COMPLETED forms to Karen Brannon, kbrannon@crnstone.com

Once you are contracted, you will be sent a specific link to complete your 2018 certification with The Health Plan.

Click here for 2018 plan benefit information.

*Cannot be distributed to the public.

Please note: Brokers will receive a link to get certified only AFTER the appointment goes active!

Medico Med Supp Rate Adjustment—Ohio

Effective October 1, 2017, Medico will implement a rate adjustment for Modernized Medicare Supplement renewals of policies issued on or after April 1, 2014 and new issues with an Application Date of October 1, 2017 or later. Applications dated prior to October 1, 2017 will have the rates in effect today even if the policy has a future effective date.

This rate adjustment is for the current product you can write in your state.

  • Plan G
  • -10% (decrease)
  • Plan N
  • -5% (decrease)
  • Plan F
  • 9.6%
  • Plan FHD
  • 5%
  • Plan A
  • 5%

Updated forms are available September 18, 2017.

UHC’s New Billing and Receivable Management Solution

UHC’s new Billing and Receivable Management Solution billing system migration has launched for fully insured existing small business and 100+ customers.

Read more here.

 

RESOURCES

UnitedHealthcare Broker Connection (August 23, 2017)

All Savers Specialty Bonus

Sell a minimum of one All Savers group with at least two new Specialty Benefits lines of coverage with effective dates from September 1, 2017 through March 31, 2018 to earn a bonus.

Click here to read more.

 

RESOURCES

UnitedHealthcare Broker Connection (August 23, 2017)