UPDATES TO CLEVELAND TRAINING SESSIONS: Medicare Training Sessions with Cornerstone

NOTE: The training for February 22, 2018, has been rescheduled as a webinar for March 22, 2018, at 2:00 pm. See below for additional details…

ATTENTION SENIOR MARKET BROKERS!

Join Cornerstone at our Cleveland office this month as we present a series of specialized training sessions with our carrier partners that are geared toward helping you maximize your book of business.

TRAINING SPECIAL: Attend one or two sessions and receive a free CE voucher. Attend all three sessions and receive two free CE vouchers, valued at 24-credit hours!


HumanaTuesday, Feb. 27th

10:00 am–12:00 pm

Humana D-SNP

Are you looking to increase your client base? Please attend this session to learn how to sell Humana’s  D-SNP product to clients all year around!

Content that will be discussed:

  • Humana’s plan design
  • What’s the sales sizzle?
  • How to target the product

Cornerstone’s Cleveland Office

4500 Rockside Road Suite 330

Independence, OH 44131

REGISTER

 

Thursday, March 22nd

2:00 pm–3:00 pm

WEBINAR: Grow Your MMO Business

Please join us to learn what resources are available to help grow your Medical Mutual of Ohio business.

Topics to be discussed:

  • Online tools
  • Sales events
  • PCP visit program

Access code: 927 781 551

REGISTER

ATTENTION CLEVELAND BROKERS | Register Today for Upcoming Training Sessions

Join Cornerstone at our Cleveland office this month as we present a series of specialized training sessions with our carrier partners that are geared toward helping you maximize your book of business.

TRAINING SPECIAL: Attend one or two sessions and receive a free CE voucher. Attend all three sessions and receive two free CE vouchers, valued at 24-credit hours!


Thursday Feb. 15th– AllWell D-SNP Training

Time: 9:00 am–11:00 am

Location:  Cornerstone’s Cleveland Office

4500 Rockside Rd. #330 Independence, OH 44131

Are sales slowing down after AEP? Come learn about AllWell’s D-SNP product and continue to sell throughout the year!

You will learn:

  • How to market the product
  • Value-based enrollment information
  • Tools to utilize

Register

 

Thursday Feb. 22nd– Grow your MMO Business Training

Time: 9:00 am–11:00 am

Location:  Cornerstone’s Cleveland Office

4500 Rockside Rd. #330 Independence, OH 44131

Please join us to learn what resources are available to help grow your Medical Mutual of Ohio business.

Topics to be discussed:

  • Online tools
  • Sales events
  • PCP visit program

Register

 

Tuesday Feb. 27th– Humana MP D-SNP Training

Time: 10:00 am–12:00 pm

Location:  Cornerstone’s Cleveland Office

4500 Rockside Rd. #330 Independence, OH 44131

Are you looking to increase your client base? Please attend this session to learn how to sell Humana’s  D-SNP product to clients all year around!

Content that will be discussed:

  • Humana’s plan design
  • What’s the sales sizzle?
  • How to target the product

Register

Humana Updates: 2018 Producer Partnership Plan and Northern Kentucky Chamber

Cornerstone has a few Humana updates for you:

  • Humana will discontinue their relationship with Weight Watchers. All members will no longer receive the Weight Watchers discount after January 1. Members currently enrolled in the 6-month free period will continue to have WW until their 6 months are complete, but will no longer have WW meeting room weights automatically loaded to Go365.
  • Click the link below to access the 2018 Humana Producer Partnership Plan.
    • Medical Growth Bonus: The group case count tiers are the same, however, minor changes have been made to the “basic” and “activated” rates.
    • Specialty Growth Bonus: The program is basically the same, but minor changes were made to the Paid Aggregate Premium and Administration Fees tiering levels in Schedule 2.
    • What didn’t change:
      • Medical base commissions in OH, KY, and IN
      • Small business group medical commission tiers
      • Group Specialty and Group Medicare base commissions
      • Production Requirements for attending the Leaders Club event in 2019
  • Humana and the Northern Kentucky Chamber are teaming up to offer medical plans to employers in NKY. Humana currently offers medical plans to groups in the Mining, Construction, and Manufacturing category and the Services category. The link below contains information on the NKY Chamber and a quote quest form.
  • Keep in mind that rates can be different when deciding to use simplified underwriting (group level) vs employee-level underwriting. A group that completes employee applications with no risk could get more favorable rates that a group with no risk that completes employer-level underwriting.
  • The small business implementation team has been inundated with new groups. Humana management is working diligently to get groups through new business processing. Please make sure your new submissions are not missing ANY information, quotes are free of assumptions, and all required paperwork has been completed in full.

Click here to access the documents referenced in this post.

Filing Lead Generator Websites with Humana

Effective immediately, Humana sales agents do not have to submit lead aggregator websites from which they purchase MA or PDP leads to Humana for review and approval. Though lead aggregator websites are no longer required to be submitted to Humana for review and approval, sales agents using these websites for the purpose of obtaining leads to sell Humana MA or PDP are still responsible for ensuring the websites are compliant with CMS regulations and other applicable state and federal laws. If Humana becomes aware of a noncompliant lead source via complaint or otherwise, Humana will take corrective action.

Humana: COPC Back in Network

Humana is happy to announce that Central Ohio Primary Care (COPC) in Columbus, OH will continue to be in network for all Humana products (HMO, PPO, and PFFS) heading into 2018.

 

Read More Here

URGENT NEWS: Humana MP MISPRINT on Walmart PDP flyers & PDP POP Brochures

Please discard ALL Humana Walmart PDP flyers and Walmart PDP POP brochures that you may have received and delete any Walmart PDP flyer and Walmart PDP POP brochure PDF’s that may have been saved. There is an incorrect $400 deductible listed on these pieces when in fact the Walmart PDP has a $405 deductible on T3, T4 and T5.

Humana will be reprinting and redistributing once they are corrected.  Please see a list of form numbers below that were impacted.

Walmart PDP GNHH30IHH_18 BROCHURE – 2018 PDP – POP Walmart, ENGLISH, Individual Medicare 1000 SPM_POPB_PDPW_MA_18
Walmart Bankers  GNHH30IHHBL_18 BROCHURE – 2018  PDP – POP Walmart, ENGLISH, BANKERS, Individual Medicare 1000 SPM_POPB_PDPW_MA_18BL
Walmart Spanish GNHH30ISP_18 BROCHURE – 2018 PDP – POP Walmart, SPANISH, Individual Medicare 500 SPM_POPB_PDPW_MA_SP_18
Chinese (electronic) GNHH30ICH_18 BROCHURE – 2018  PDP – POP Walmart, CHINESE, Individual Medicare N/A Y0040_SPM_POPB_PDPW_MA_CH_18
Vietnamese (electronic) GNHH30IVI_18 BROCHURE – 2018 PDP – POP Walmart, VIETNAMESE, Individual Medicare N/A Y0040_SPM_POPB_PDPW_MA_VI_18
Creole (electronic) GNHH30ICR_18 BROCHURE – 2018 PDP – POP Walmart, CREOLE, Individual Medicare N/A Y0040_SPM_POPB_PDPW_MA_CR_18
Korean (electronic) GNHH30IKO_18 BROCHURE – 2018  PDP – POP Walmart, KOREAN, Individual Medicare N/A Y0040_SPM_POPB_PDPW_MA_KO_18
Polish (electronic) GNHH30IPL_18 BROCHURE – 2018  PDP – POP Walmart, POLISH, Ind. Medicare N/A Y0040_SPM_POPB_PDPW_MA_PL_18
PDP Walmart “Outlier”  GNHJC36EN
Walmart Rx GNHHM52HH_18 FLYER – 2018 Humana Walmart Rx PDP Plan, ENGLISH, Individual Medicare 500 SPM_FLY_PDPW_18
Walmart Rx/Spanish GNHHM52SP_18 FLYER – 2018  Humana Walmart Rx PDP Plan, SPANISH, Individual Medicare 250 SPM_FLY_PDPW_SP_18

Humana MP 2018 Group & BSN Map PLUS Enrollment Tips

Humana MP 2018 Group/BSN Map & Enrollment Error Tips

Help Reduce Paper Application Pends
One of the most important things to remember during Pre-AEP is that while agents can assist a beneficiary in completing a paper application, agents are prohibited from soliciting enrollment or taking possession of any 2018 applications prior to the start of AEP on October 15, 2017. Agents may assist clients in filling out applications, but may NOT take the application with them. Agents should tell their clients to wait to mail the application on October 15 or later. Important Reminder! Agents should NOT date the application during Pre-AEP as this is considered the date the application is “received” by the Plan Sponsor. Any application received by Humana prior to 10/15 or those with an agent date (10/1 – 10/14) will be investigated for potential agent solicitation and the enrollment will be rejected.

Common Application Errors

  • Wrong or missing GR/BN – Reference the link below!
  • PO Box listed as residential address – ALWAYS USE STREET ADDRESS!
  • Member signature missing

 

GR/BN Errors
Missing or incorrect GR/BN number continues to be an area of concern resulting in delays in enrollment and sometimes application denial. Each year we see Section A complaints that could have been avoided if the correct Plan Option Number and GR/BN were placed on the application. Always double check to make sure you have included and accurately captured this information on the app. You can get this information for each state in Vantage at this link:

CLICK HERE

Please Note: You must log into Vantage before selecting the link. GR/BN numbers are subject to change throughout AEP, so while this map gives agents access to a printable version, it is best practice to retain and refer to this tool for the most up to date information

 

Common Election Period Errors
Below are two of the most common errors made related to election type code.

IEP versus ICEP – The IEP should be used when beneficiary elects to enroll in a drug plan when they are newly eligible or aging-in, this includes enrollment in an MAPD. The only time you will use ICEP is:

  1. 1. When the beneficiary is newly eligible and elects to enroll in an MA Only plan
  2. 2. The beneficiary delayed enrollment for Part B and they want to enroll in an MA Only or MAPD plan (only available 3 months prior to Part B going into effect).

SEP Other (“SEP OTH”) – This should be used when none of the standard SEP reason codes are applicable, and the beneficiary has a special circumstance that would allow them an exception to enroll. When an agent selects this election period, it is very important to complete the “Notes” section to explain why the SEP OTH is being used. Failure to provide the explanation means the enrollment team must reach out to the beneficiary to determine what SEP they qualify for. If enrollment is unable to reach the beneficiary, we will reject the application.

 

Please see below for the much anticipated 2018 Group and BSN Map from Humana Marketpoint. 

Click here for the 2018 Group and BSN Map

Carriers with January 1 Effective Dates Available!

The following carriers have January 1, 2018, effective dates available for quoting as of October 4, 2017, this afternoon:

  • Aetna Funding Advantage
  • All Savers
  • Anthem (OH, KY, IN)
  • Anthem SOCA BP
  • Humana (OH, KY, IN)
  • UHC (IN, KY, OH)

 

For more information, contact your Cornerstone representative today!

Humana Level Funded Premium

Humana’s Level Funded Premium (LPF) is a flexible self-funding solution with integrated wellness solutions designed to help improve employee health, workplace productivity, and your customers’ bottom line.

Humana is offering eligible small group employers a 15-month rate guarantee on Level Funded Premium plans for December 2017 and January 2018 new businessIn addition, employers can save 10 percent or more on their medical premium by moving to this Level Funded Premium plan.

 

RESOURCES

Humana’s Level Funded Premium Available With 15 Month Rate Guarantee for New Groups

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