Medical Mutual March Updates: Commissions, Bonus Programs, And More!

Medical MutualMedical Mutual recently released a number of updates regarding commission statements, broker bonus programs, the Internal Revenue Bulletin (IRB) 2018-10, and MedFlex HMO plans:

  • Effective April 16, 2018, commission statements will be accessible only through MyBrokerLink and will no longer require a separate registration or login.
  • Small Group (1-50) New Sales Bonus Program and Small Group Volume Bonus Program
  • In response to the IRS Internal Revenue Bulletin, members have until April 15, 2019, to correct an overage if the $6,900 limit for HSAs is exceeded in 2018.
  • The new MedFlex Network, a non-gatekeeper HMO designed to reduce the total cost of care and give members the freedom to choose their providers, has been available to large groups since January 1, 2018.

Click here to read full updates.

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

Medical Mutual 2018 FFM Enrollment Training Webinars

Medical MutualMedical Mutual of Ohio will be hosting a number of webinars throughout 2018 for training on enrollment and business renewals through the Federally Facilitated Marketplace (FFM).

Click here to register.


All 2018 webinars will be held at 10:00 a.m. EST on the following dates:
Tuesday, February 6th
Tuesday, March 6th
Tuesday, April 3rd
Tuesday, May 1st
Tuesday, June 5th
Wednesday, July 17th
Tuesday, August 7th
Tuesday, September 5th
Tuesday, October 2nd

Medical Mutual Releasing Survey to Members

To meet requirements for the National Committee for Quality Assurance (NCQA), Medical Mutual is sending out a survey via email to 3,000 members beginning January 29. The survey is designed to assess members’ understanding of their benefits.

The survey will be sent only to policyholders age 18 and older. Recipients will be randomly chosen from two groups of active members – 1,500 who became members between July 1, 2017, and September 1, 2017, and 1,500 who became members before July 1, 2016. Medicare Advantage members and Medicare Supplement members will not receive the survey.

Click here for more information.

FDA Approves Gene Therapy to Treat Rare Form of Blindness

In December of 2017, the U.S. Food and Drug Administration (FDA) approved the new gene therapy, Luxturna (voretigene neparvovec) (see December 5, 2017 Broker Update). Luxturna, expected to launch in the first quarter of 2018, is meant to treat a rare form of blindness called biallelic RPE65 mutation-associated retinal dystrophy, which is estimated to affect 1,000 to 3,000 total patients in the U.S.

Cincinnati Eye Institute is currently the only facility in Ohio that has been certified to administer Luxturna. Medical Mutual is in the process of contracting with this facility.

Click here for more information.

FDA Approves Shingles Vaccine

Medical MutualThe U.S. Food and Drug Administration (FDA) approved the Shingrix vaccine for the prevention of shingles in October of 2017. This vaccine is given in two doses, two to six months apart.

Medical Mutual will cover the Shingrix vaccine as follows:

Business Segment Coverage
Non-grandfathered and ACA/metal plans Covered up to 100 percent of the cost for all members ages 50 and older, under both the medical and prescription drug benefits (for members with prescription drug benefits through our relationship with Express Scripts)
Grandfathered plans Covered under the medical benefits for members ages 50 and older, subject to deductible and/or coinsurance
Medicare Advantage Covered under members’ Part D coverage; members must pay their applicable cost share (Shingrix is currently Tier 3 on our Medicare formulary, subject to the member’s Tier 3 copay and any deductible requirements)
Medicare Supplement None (shingles vaccines are not covered by Medicare Supplement plans)

 

Click here for more information.

Attention MMO Agents: Important Notice Regarding Payment of Commissions

Historically Cornerstone has paid Medical Mutual of Ohio commissions to all agents partnering with our General Agency. Beginning with January commissions payments (which are paid mid-February), Medical Mutual of Ohio will now be paying commissions directly to you or to your agency on a monthly basis.

This DOES NOT impact the relationship you hold with Cornerstone in any way, other than the transition to direct payment of commissions from MMO.

A notice from Medical Mutal of Ohio was sent to all MMO agents providing complete instructions for direct deposit/EFT* and included an EFT Agreement along with guidance for accessing commission statements using MyBrokerLink.com.  A copy of the MMO notification is attached for your reference. If MMO does not have an EFT Agreement on file, commissions will be paid by check and sent via US mail.

Cornerstone is here to assist you with this transition. If you have questions or need assistance, please email BrokerContracting@medmutual.com or reach out to your Cornerstone commission team for help.

Click here to see the official notice from MMO.


*MMO asks that you please include a voided check or bank letter with your EFT form.

Medical Mutual Update: PNC HSA Account Transfers

Through an agreement with PNC Bank, Medical Mutual has paid $2.50 per member/per month administrative fee associated for all MMO groups and individuals with a PNC Bank health savings account (HSA). This fee will no longer be paid effective March 1, 2018. There will be no charge to transfer funds from the PNC HSA to MMO’s HSA.

Communications will be sent to market segments currently with a PNC HSA informing them of this change:

View Group letter.

View Individual Policyholder letter.

View Group member letter.

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.