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



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.

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.


Earn Cash with UnitedHealthcare’s Short Term Stacks Bonus Incentive

Earn $50 for every eligible UnitedHealthcare Short Term Medical application you write after you reach 20 applications.

Bonus is earned when a minimum of 20 eligible Short Term Medical applications are submitted between November 1, 2017 and January 31, 2018, and issued by February 15, 2018. Once minimum is met, bonus will be paid back to the first application. See contest rules below for complete details.

Register by November 30, 2017, to have all eligible business since November 1 count toward your bonus! You must be registered to be eligible. This is an unlimited bonus—the more business you write, the more cash you earn!

Check out your potential earnings:

25 apps
x $50 per app

50 apps
x $50 per app

= $2,500
100 apps
x $50 per app


Now is the time to reevaluate your clients’ coverage needs.
Earn some stacks of cash and increase your commissions at the same time by writing Short Term Medical for your clients!

* Short Term Medical plans are not minimum essential coverage under the Affordable Care Act.
Check E-Store for product availability by state. Eligible Short Term products are available in the following states: AL, AR, AZ, CT, DE, FL, GA, IA, IL, IN. KS, KY, LA, MI, MS, NC, NE, NV, OH, OK, OR, PA, SC, TN, TX, VA, WI, WV, WY.


  1. To be eligible to earn a bonus, you must be registered for the “Short Term Stacks” incentive. Registration prior to December 1, 2017 will have all business received November 1, 2017, and after, count toward the bonus. After December 1, 2017, only applications received on or after date of registration will be applied toward this incentive.
  2. Applications must be received from November 1, 2017, through January 31, 2018, and issued by February 15, 2018. Brokers must submit and have a minimum of 20 applications issued to be eligible. After 20 applications issued is reached, the contest will then pay back starting with the first application.
  3. Eligible products include issued UnitedHealthcare or UnitedHealthOne short term medical plans only. All other ancillary products, optional benefit riders, as well as the UnitedHealth Allies Discount Card do not count toward this bonus opportunity.
  4. Coverage must be in force with premium payment current at the time of contest payout to be included, or been in force for a minimum of 89 days. Short Term plans issued in the state of Missouri do not qualify. If coverage is terminated for any reason other than the natural expiration of the term length, the broker will be charged back for any difference if it alters the bonus amount paid.
  5. Bonus is paid as described above.
  6. Bonus follows the Assignment of Commission Form you have on file at the time the application is received, for each qualifying application.
  7. This bonus will be subject to a managing broker commission split, if applicable.
  8. One lump sum payment will be made at the conclusion of the contest (January 31, 2018, issued by February 15, 2018) per broker, based on his or her personal production. Final payment may be made up to 90 days after final issue date. Chargebacks from previous incentive (if applicable) may also occur at this time.
  9. Qualification is based on production as broker of record.
  10. Applications cannot be split between brokers.
  11. Any separate applications of family members for the same product type count as only one application for this contest.
  12. Golden Rule Insurance Company reserves the right to make final judgment on contest qualifiers. Coverage that is withdrawn or does not meet the terms listed in these rules will not count toward contest bonus.
  13. Any required disclosures to brokers’ clients are brokers’ sole responsibility.
  14. This contest is intended for the original recipient of this email only. NPN: 1877824
  15. Select Key and FMO contracted agencies may not be eligible.
  16. 1099s apply.

Premier Health Will be Out-of-Network for United Healthcare Members In January

Premier Health in Southwest Ohio will be out-of-network starting Jan. 1, 2018. The following United Healthcare Medicare Solutions plans in the southwestern Ohio and Kentucky regions will be impacted:

  • AARP MedicareComplete (HMO) Plan 6 H5253-052
  • AARP MedicareComplete (HMO)  Plan 2 H5253-053
  • AARP MedicareComplete (HMO) Plan 3 H5253-054
  • Dual Complete® (HMO) H5253-059
  • Dual Complete (HMO-POS) H5322-028


Member information

  • Letters to impacted members will start arriving Oct. 23 alerting them to the network change.


Members in AARP Medicare Supplement Insurance Plans, insured by UnitedHealth care Insurance Company, will not be impacted by this change and may continue to access care from any doctor or hospital that accepts Medicare patients.

Updates to UHC Prescription Drug Lists

The following updates will take effect for the UnitedHealthcare Prescription Drug Lists (PDLs) Jan. 1, 2018. These updates apply to all UnitedHealthcare integrated commercial business. They do not apply to direct commercial business (OptumRx direct business without UnitedHealthcare medical coverage).

UnitedHealthcare Pharmacy Benefits

View UnitedHealthcare’s online, pre-recorded presentation of the pharmacy benefit strategies for Jan. 1, 2018.

Presentation for Clients

Click here to read more.


PDL Tracker


UnitedHealthcare 2018 Updates for Small Group Fully Insured

UnitedHealthcare’s Small Group fully insured business will have the following advantages in 2018, along with the full suite of UHC benefits:

  1. $0 Virtual Visits
    1. UHC’s telemedicine solution will now be included in all plans (except HSAs) at no cost, allowing your groups to save time and money for 70 percent of services they would seek at an Urgent Care or Emergency Room.
  2. RealAppeal: Embedded at no additional cost
    1. UHC’s state-of-the-art wellness solution, previously only available in Key Accounts, is now available for 2-50. Members will receive a Success Kit and have access to 1:1 coaching designed to lower BMI and lose weight.
  3. Increased Commissions
  Payment Per Enrolled Employee per Month
              Case Size First year commissions Renewal Commissions
1 to 4 enrolled employees $5 $5
5 or more enrolled employees $27 $24

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!

Updates to UnitedHealthcare Preventive Care Services Coverage Determination Guidelines

The U.S. Preventive Services Task Force (USPSTF), the Advisory Committee on Immunization Practices including Bright Futures, which are part of the Centers for Disease Control and Prevention (CDC), and the Health Resources and Services Administration (HRSA) make recommendations regarding services that should be covered under the Affordable Care Act (ACA).

Based on recent recommendations, UnitedHealthcare is making several changes to the UnitedHealthcare Commercial Preventive Care Services Coverage Determination Guideline (CDG) for coverage at no cost share. These changes include medications for individuals at risk for cardiovascular disease (CVD), targeted age bands for lead and fluoride screening, and removal of coverage for prostate-specific antigen (PSA) and rubella screening. Please note that Preventive Services at no cost share are not required for grandfathered plans.



Fourth Quarter 2017 and First Quarter 2018 Preventive Changes Announced