Find Out More About Aetna’s Apple iWatch Offer

In case you missed it when enrolling a new employer group in an Aetna Funding Advantage plan by having members enroll within the Springboard system, they receive an offer for an Apple iWatch at a significantly reduced price—$25 plus tax.

Click here for more information on how this works!


This document is also located on Broker Centric. Find out more here.

UnitedHealthcare Med Solutions DSNP Roadshow Event

UnitedHealthcare is excited to say their Dual Special Needs Plans (DSNP) are growing! Join them for a DSNP Roadshow event to learn how they can support your business after AEP so you can continue to be unstoppable!

UnitedHealthcare’s DSNP is their fastest growing Medicare plan segment. Take advantage of the untapped market in your community and learn:

  • How many dual eligibles are in your market and how to engage them
  • Enhanced plan benefits and training
  • Learn specific local strategies and marketing support available.
  • Best DSNP sales practices
  • Food and beverages will be served

Receive door prizes and giveaways!

All licensed agents…Mark your calendar!


DATE: Monday December 11, 2017

TIME: 10:00 am–12:00 pm

LOCATION: DoubleTree by Hilton Cleveland Independence

6200 Quarry Lane | Independence, OH 44131



DATE: Tuesday December 12, 2017

TIME: 10:00 am–12:00 pm

LOCATION: Cincinnati Marriott North

6189 Muhlhauser Rd. | Cincinnati, OH 45069



DATE: Monday December 18, 2017

TIME: 10:00 am–12:00 pm

LOCATION: Radisson Hotel at University of Toledo

3100 Glendale Avenue | Toledo, OH 43614

*Professional photographer available for complimentary head shot photos



DATE: Tuesday December 19, 2017

TIME: 10:00 am–12:00 pm

LOCATION: Double Tree by Hilton Hotel Columbus–Worthington

175 Hutchinson Ave. | Columbus, OH 43235

*Professional photographer available for complimentary head shot photos



CVS Health to Aquire Aetna

On Monday, Aetna confirmed that CVS Health, the largest pharmacy health care provider in the U.S., has agreed to acquire Aetna. The acquisition will not immediately effect products being sold today.

CVS Health President and Chief Executive Officer Larry J. Merlo said, “This combination brings together the expertise of two great companies to remake the consumer health care experience. With the analytics of Aetna and CVS Health’s human touch, we will create a health care platform built around individuals. We look forward to working with the talented people at Aetna to position the combined company as America’s front door to quality health care, integrating more closely the work of doctors, pharmacists, other health care professionals and health benefits companies to create a platform that is easier to use and less expensive for consumers.”

Click here for the release.


Questions? Contact your Cornerstone representative for answers!

Aetna Deadlines for the End of AEP Enrollments

Aetna Medicare AEP marketing efforts must cease on December 7, 2017 (at the end of AEP). See below for more important dates:

December 7, 2017. All AEP applications for January 1, 2018, effective date must be completed, signed, dated, and received by the agent no later than 11:59 p.m. December 7, 2017. You may not backdate the member signature date, agent receipt date, or agent signature date.

Submit apps within 2 daysAetna must receive signed enrollment applications within two calendar days after you receive them from beneficiaries.

December 9, 2017. Aetna must receive all applications by December 9 to process them for a January 1 effective date.

After AEPIf you receive a completed enrollment application after AEP ends on December 7, do not hold or destroy it. Under CMS rules, you must still submit it to us within two calendar days as noted above. Aetna then will process or deny the enrollment as appropriate.

Reminders About MMO Products Before AEP Ends

See below for a few last minute reminders from MMO as AEP comes to an end.

Competitive Advantage Medicare Advantage:

  • Broad service offering representing 80 of the 88 counties.
  • Many of the common medications are in the MMO MA formulary.
  • Drugs that typically fall in Tiers 3, 4, or 5 with other carriers are Tier 1 and 2 with MMO.
  • Very low maximum out-of-pocket
  • Comprehensive network of facilities and doctors spanning across the state of Ohio. Ability to go to any in-network doctor or hospital regardless of where a member is domiciled.
  • $0 HMO Classic available in Region 1 counties.
  • No referrals or Gatekeepers required.
  • Earn an additional $50 per member.


Competitive Advantage Medicare Supplements:

  • Low renewals trending over the last 5 to 7 years with some decreases that have occurred.
  • Competitive rates across all age bands across the entire state of Ohio.
  • One preferred rate for a potential applicant, no male/female, smoker/non-smoker, regional, or other factors when determining a rate.

Contact your Cornerstone representative for more information about MMO products.

UnitedHealthcare Short Term 2×3 Plans

UnitedHealthcare’s short term 2×3 Plans are available on E-Store, which is a Broker-Assisted Application that enables two identical Short Term plans in a single quote. It also enables you to complete part of the application for your client.

The advantages of short term 2×3 plans for your clients:

  • One-time payment information collected at the time of application & applied on each plan’s effective date.
  • 2nd plan waives pre-existing conditions developed during the term of the 1st plan.
  • 2nd plan also waives the 5-day waiting period for doctor visits related to illness.

Advantages for you:

  • E-Store helps your client apply quickly and easily
  • Steady commissions – writing a 2×3 helps you earn more commission with each sale
  • Earn $100 bonus per Short Term 2×3 ($50 for each plan) with our Short Term Stacks incentive now through Jan. 31, 2018. Haven’t registered yet?


Contact your Cornerstone representative for details.

Aetna Small Group (ACA 1–50 only) Broker Commission Changes Effective January 1, 2018

Small group (1–50) ACA broker commissions for medical cases sold in Ohio and Kentucky are changing. The new ACA commission structure applies to those new and renewal business sales effective January 1, 2018. Brokers will continue to earn commissions on a per employee, per month (PEPM) basis.

The current commission level for 51–100 of $30 PEPM will not change, and the default service fee of $30 for AFA business will not be changing. These commission changes apply to small group ACA business only, and the change in existing small group ACA business will occur upon the group’s renewal date.

For ACA new and renewal medical business sold with an effective date of January 1, 2018, or later, the commission will be:

Number of eligible employees enrolled Commission per employee, per month (PEPM)
1 – 50 employees ACA small group 1 – 50 $15 (new and renewal business)


To view ACA, fully insured, and AFA broker commissions, please click here.

Become An Aetna Front Runner!

Become a part of Aetna Medicare’s Front Runners program by selling 18 or more 2018 Aetna or Coventry Health Care Individual Medicare (MA/MAPD, PDP) enrollments during AEP. As an Aetna Front Runner, you will receive free Aetna Individual Medicare certification in 2018, signage announcing your status, online discounts from Staples, and discounts on Kaplan Insurance Continuing Education Courses online for one year.

For more information, contact your Cornerstone representative today.

Important Health Coverage Reporting Information Required on 2017 Federal Tax Returns

Beginning in 2018, the Internal Revenue Service (IRS) will require that individuals indicate specific information about health coverage on their 2017 federal tax return. On the federal tax return, they must indicate if they and others on the return…

  • Had minimum essential coverage for the year, or
  • Qualified for an exemption from having health coverage, or
  • Are paying the individual shared responsibility payment.

The 2017 tax year is the first time the IRS will not accept tax returns that do not include this information.

Click here for more information.


Questions? Contact your Cornerstone representative for details.


Medical Mutual Releases New Commission Schedule

MMO has released their new commission schedule for their 2018 Medicare Supplement Market. Their new Medicare Supplement commission schedule will stack up very competitively in the marketplace. This schedule will reward you by paying a premium commission based on your volume of sales throughout the year. Once you hit the next tier level, MMO will pay you at the higher rate retroactively within the calendar year. Renewal commission will be based on the first year tier level.

Commission rates for brokers/agencies having at least 10,000 Medicare Supplement contracts in their book of business on January 1, 2018, are as follows for new Medicare Supplement accounts having an effective date of January 1, 2018, and thereafter.

  • First Year: 16%
  • Years 2 through 10: 8%
Number of First Year Sales Commission Tier Level Commission Rate: First Year Commission Rate: Years 2 through 6
1-24 contracts 1 18% 12%
25-49 contracts 2 22% 15%
50 or more contracts 3 26% 18%


Contact your Cornerstone sales representative with any questions you may have about the above schedule.