HHS Tom Price Resigns

Health and Human Services Secretary Tom Price resigned Friday due to investigations into his misuse of private and military transportation at the taxpayers’ expense of nearly $1 million.

President Trump intends to designate Don Wright as acting secretary.



Price Resigns From Trump Cabinet Amid Private Jet Investigations

House Bill 463 for Autism Spectrum Disorder Has Been Passed

House Bill 463 for Autism Spectrum Disorder, intended to include plans that were not included in the Governor’s 2012 Executive Order, has been passed.

The bill will be effective for all new and renewal individual policies and group contracts on or after January 1, 2018, and will impact:

  • Grandmothered and Grandfathered Small Group
  • Grandfathered and non-Grandfathered Large Group (this includes fully insured National
  • business and private exchange)
  • Grandmothered and Grandfathered Individual
  • Self-funded MEWA plan

For more information, click here to read the write up from Anthem.

Anthem Improves Security Measures

In an effort to keep members’ information and privacy secure, Anthem removed the option for Social Security numbers to be used as a registration data point when members are setting up an online account on their secure member website.

To register, members will enter their member identification number (found on their ID card.) For members who forget their username or password, they’ll need to use their email address or ID number to find their account. The member’s first name, last name, and date of birth are still required for registration and for username or password account recovery.


Safeguarding the trust and security of our members is our top priority

Get Contracted with National General!

Write up to four consecutive 90-day Short Term policies with no pre-existing or underwriting after the first policy has been approved.

Cornerstone is now offering National General Short Term and Ancillary products for your clients’ needs in 2018.

The advantage of back-to-back policies? While the deductible and any out-of-pocket responsibilities start over with each subsequent coverage certificate, any medical conditions that arise and were covered by the initial plan will be covered under subsequent new certificates, subject to plan limitations.

To get contracted, click here.

Username: CornerstoneBrokerInsServicesAgencyInc

Password: CB!s_299sa



Once you have completed the appointment link, please notify Sandy Weber of how you prefer commissions being paid (ex: Agent SS# or Agency)

Click here to check out our webinars October 4 and 5 for more information on National General.

Employer Action Required! Distribute Medicare Part D Notices by October 15, 2017

Group health plan sponsors must provide Medicare Part D “creditable coverage” notices prior to October 15th, the start date of the Medicare annual enrollment period for Part D, Prescription Drug coverage. (The enrollment period is October 15-December 7.) Most plan sponsors use the Model Medicare Part D Notices provided by the Centers for Medicare and Medicaid Services (CMS) to notify affected plan participants. Links to all the model letters (in English and Spanish) are available here.  These notices are in .pdf format.  Cornerstone has provided versions of the notice in Word Document format for your convenience.

The October 15th deadline applies for all group health plan sponsors, regardless of plan year, plan size, employer size, grandfather status, or whether the plan is insured or self-funded.

Employers who send out Open Enrollment packets prior to October 15th often include the Medicare Part D notices in the Open Enrollment packets, to avoid the extra cost and administrative burden of sending them separately.

Employers are also required to notify CMS online annually that they have sent out these Part D notices. The notice to CMS is due within 60 days after the start of the plan year. See the last paragraph of this article for details.



The Medicare Modernization Act requires group health plan sponsors that offer prescription drug coverage to notify Medicare-eligible plan participants (employees and dependents) as to whether their prescription drug coverage is “creditable coverage” – which means the coverage is expected to pay on average at least as much as the standard Medicare Part D prescription drug coverage. The most current Model notices on the CMS website say “For use on or after April 1, 2011” in the heading, because in 2011 the Medicare Part D annual enrollment period changed from November 15th to October 15th.


When Is the Medicare Part D Notice Required?

Medicare Part D notices must be provided at least once annually, prior to October 15th, which is the beginning of the Part D annual enrollment period. Additional notices must be provided if the employer-provided coverage changes (from creditable to non-creditable, or vice-versa), if the individual requests a copy of the notice, and when an individual first enrolls in the employer plan.

Employers who provided these notices earlier this year are not required to provide them again, since these notices have not changed since last year. The notices are dated for use on or after April 2011. The CMS website page was last updated 4/5/2013. There are separate Model Notices for Creditable Coverage Non-Creditable Coverage.


Why is the Part D Notice Required?

The reason plan sponsors are required to provide Part D Notices is because a penalty will be imposed on an individual if he/she, after becoming eligible for Medicare Part D coverage, has a lapse of “creditable” prescription drug coverage for a period of at least 63 days. Additionally, such individuals may have to wait until the following October to join. An individual can elect either Medicare prescription drug coverage or other “creditable coverage” to avoid having a lapse in coverage. Thus, Medicare-eligible participants in employer group health plans must know whether or not the employer group coverage is “creditable” so they do not unwittingly incur a late enrollment penalty.


Additional Details on the Disclosure Requirements

  • Group health plan sponsors to whom this disclosure requirement applies include employers and Unions; multiple employer welfare arrangements (MEWAs); federal, state and local government employers; and churches.
  • The Part D Notice must be provided not only to Medicare-eligible active working employees and their dependents, but also to participants who are retired, on COBRA, or disabled and covered under the employer’s prescription drug plan.
  • Although the requirement is only that “Medicare-eligible” individuals be provided this notice, employers often provide it to all plan participants and dependents, because of the practical difficulty of knowing who is Medicare-eligible.


Annual Notice to CMS Also required, though not by October 15th

Additionally, plan sponsors are required to notify CMS annually, via the CMS website (Online Disclosure to CMS form). This notice must be made within 60 days after the beginning of the plan year (or contract renewal date, for small plans that do not file Form 5500s so do not specify a plan year), and it pertains to the creditable coverage status for the prior plan year. For calendar year plans, this notice must be provided to CMS no later than March 1.  Sponsors of non-calendar year plans should mark their calendars to make sure the disclosure to CMS is made within 60 days after the beginning of the plan year. (E.g., for an April 1 plan year, the CMS online disclosure should be made no later than May 30.)

Additionally, if applicable, plan sponsors must complete the Online Disclosure to CMS Form within 30 days after termination of a prescription drug plan or within 30 days after any change in creditable coverage status.


For additional information, click here for the main CMS webpage that provides guidance on “creditable coverage.” Or you can visit the webpage  at https://www.cms.gov/Medicare/Prescription-Drug-Coverage/CreditableCoverage/)


Model Creditable Coverage Notice (Word Doc)

Model Non-Creditable Coverage Notice (Word Doc)

Spanish Model Coverage Notice (zip file)

Click here for all 2018 Carrier Creditable Coverage Guides


SilverScript Reduces Costs For Diabetes Treatments

SilverScript is helping to reduce costs in 2018 for members who receive treatment for diabetes.

Three long-acting injectable insulin products will be on SilverScript’s 2018 Choice formulary as Tier 2 drugs, representing a nearly 60% savings over 2017 pricing on a 30-day supply when filled at a Choice Preferred Network Pharmacy.

Medicare beneficiaries should speak with their doctors to determine which of the following lower-cost alternatives might be right for them:

  • Basaglar® (prefilled pen injectors)
  • Levemir® (prefilled pen injectors or vials)
  • Tresiba® (prefilled pen injectors)

Please note that these three long-acting insulins will replace Lantus and Toujeo, which will no longer be on the formulary for 2018.


Details about the lower copay insulins:


For more information, contact your Cornerstone representative.

LOCATIONS ADDED: Individual ACA Health Market Update for 2018 with Cornerstone

Please plan to attend Cornerstone’s Individual Health Market Review Workshop for the upcoming 2018 OEP. With the uncertainty of the under-65 market, we want to ensure you understand options available to service your clients this open enrollment season.

During this in-person training, we will be highlighting:

  • Which carriers are available in each Ohio county for 2018
  • Cornerstone’s newest contracts with Ambetter, Oscar Health, and National General
  • ASP Program — refer Individual business to Cornerstone
  • Possibility of charging a fee to clients for your services
  • Adding ancillary products to your current sales
  • Altrua Health Ministry Plan

Please inform us of the date and location you choose to attend. Stay tuned for more locations throughout Ohio coming soon.


DATE: Tuesday, September 26, 2017

TIME: 10:00 am–12:00 pm

LOCATION: Cornerstone’s Cleveland Office

4500 Rockside Rd. Suite 330 | Independence, OH 44131



DATE: Wednesday, September 27, 2017

TIME: 9:00 am–11:00 am

LOCATION: Cornerstone’s Cincinnati Office

2101 Florence Ave. | Cincinnati, OH 45206



DATE: Wednesday, September 27, 2017

TIME: 2:00 pm–4:00 pm

LOCATION: The Golf Club at Yankee Trace

10000 Yankee St. | Centerville, oH 45458



DATE: Friday, September 29, 2017

TIME: 9:00 am–11:00 am

LOCATION: 9600 Wedgewood Blvd. | Powell, OH 43065



DATE: Tuesday, October 3

TIME: 1:00 pm–2:00 pm

LOCATION: Cornerstone’s Lima Office

3745 Shawnee Rd. Suite 104 | Lima, OH 45806



DATE: Wednesday, September 27

TIME: 3:55 pm

LOCATION: At the NWOAHU Fall Products Roll Out Monclova Community Center — Schaller Banquet Hall

8115 Monclova Rd. | Monclova, OH 43542


CANCELLED: The Health Plan 2018 Product Rollout Training | Cleveland, OH

Join Cornerstone & The Health Plan as they review their product lineup for plan year 2018!

Training will include:

  • 2018 product benefit plan options
  • Marketing tools
  • Enrollment submission


Click here to RSVP.

DATE:Wednesday, September 27, 2017

TIME:10:00 am–12:00 pm

LOCATION:Cornerstone – Cleveland Office

4500 Rockside Rd #330, Independence, OH 44131


Why add The Health Plan to your portfolio:

  • $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 Supplement 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.

Letter From Anthem: Individual ACA Open Enrollment Starts November 1

Anthem recently released a letter detailing plans for 2018. As previously mentioned, the company will not offer ACA Individual health plans through the Health Insurance Marketplace in Ohio for 2018 and will reduce their off-exchange plan offerings. Only one Individual off-exchange catastrophic medical plan will be available in Pike County.

Click here to read more.

Cornerstone Introduces National General for 2018 OEP

Cornerstone introduces National General for 2018 OEP!

Write up to four consecutive three-month short-term policies with no pre-existing or underwriting after the first policy has been approved.

Cornerstone is now offering National General short-term and ancillary products for your clients’ needs in 2018. National General offers your non-ACA clients an option to purchase four three-month STM plans in one application!

Also, earn more from every sale when you pair short-term medical with one of National General’s supplemental coverage plans.

To learn more about this exciting new carrier, please attend one of the following webinars below:

DATE: Wednesday, October 4, 2017

TIME: 2:00 pm–3:00 pm

Click here to register.


DATE: Thursday, October 5, 2017

TIME: 9:00 am–10:00 am

Click here to register.