SilverScript Completes Acquisition of Aetna

Silverscript is excited to share that CVS Health, the largest pharmacy health care provider in the U.S., has completed its acquisition of Aetna, one of the nation’s leading diversified health care benefits companies.

The combination of CVS Health and Aetna is a transformative moment for Silverscript and the industry. With the combined capabilities of two leading organizations, Silverscript’s goal is to help transform the consumer health experience through a new innovative health care model that is easier to use, less expensive, and puts consumers at the center of their care. In doing so, Silverscript will deliver on their purpose of helping people on their path to better health.

As they bring the two companies together, your clients will continue to work with Silverscript as they do today, and receive the same great products, support and service.

Please read the Silverscript & Aetna Acquisition FAQ document here for more information.

 

For more senior marketing news, visit the Cornerstone Senior Marketing website!

Client Referral Program Open Enrollment Individual Referral Acceptance Deadline

The Cornerstone Agency Services Client Referral team accepts client referrals from brokers participating in the program. Our licensed Client Care team can assist referred prospects offering guidance and support with plan enrollment in the Individual market.

To ensure we continually provide referred clients with exceptional service during the busy enrollment season, please familiarize yourself with our readiness checklist, which details our submission process, acceptance deadlines, and turn-around times.

INDIVIDUAL

OPEN ENROLLMENT PERIOD

November 1 to December 15, 2018

  • Referrals are managed first in/first out*
  • A minimum of three client outreach attempts will be made
  • Whenever possible, provide two forms of client contact information; cell phone, spouse cell phone, email address, work phone number, or other.
  • Submit referrals via the broker online form (preferred method) or prospective clients may call us at 877-432-8803. The online form can also be downloaded and emailed to referrals@crnstone.com.
  • The following information is required for all referrals**: prospect name, address, county, two client contact information options, and date(s) of birth.

*Priority is given to Individual referrals received on or before December 3, 2018. Client outreach within 48 hours is not guaranteed during peak periods Oct 1 through Dec 15.

**Incomplete submissions will be returned requesting missing information.

 

Due to extremely high volumes of referrals during the open/annual enrollment period, we encourage clients to plan ahead and make decisions early.

If you have questions about referral submission, the referral acceptance deadlines, or other processes, please do not hesitate to contact us.

National General’s Short-Term Has Returned to Kentucky

National General’s short-term medical is now available in Kentucky, effective December 7.  These plans have coverage options for up to 12 months.

Reminder: National General short-term sales in Ohio are also available for quoting and enrollment.

Please contact Geoff Beglen with any questions or additional information about short-term sales carrier options in Ohio and Kentucky.

Geoff Beglen | 513-629-9358 | gbeglen@crnstone.com

Be Sure That Your Individual Market Clients Re-Enroll Before December 15

Consumers will be automatically re-enrolled into the ACA Marketplace after December 15

Your clients will be automatically re-enrolled in a 2019 Marketplace plan if they do not update their Marketplace application and enroll in a plan before December 15.

Your clients may be automatically re-enrolled if they…

  1. Received coverage in 2018 through participating issuers but have not selected 2019 coverage by December 15. Note: Re-enrollment in their issuer’s plan for 2019 may be different from their plan enrollment for 2018, depending on plan availability.
  2. Are currently enrolled in plans through issuers that will not be participating in the Marketplace for 2019. These clients will be matched with an alternate plan offered by a different issuer.

Be sure that your clients log in to Healthcare.gov, update their information, and review the plan options available to them for 2019.

Questions? Contact Geoff Beglen for additional information.

All Savers Alternate Funding Monthly Welcome Webinars

UnitedHealthcare’s All Savers Alternate Funding New Business groups are invited to join a monthly Welcome Webinar that is designed to help groups understand and get the most out of their plan. The webinar will cover the information a group receives at the start of their policy.

Welcome Webinar Schedule
December 12, 2018
January 16, 2019

Helpful materials to have available during the meeting include:

  • Employer Guide including eligibility changes
  • Administrative Services Agreement
  • Excess Loss Policy
  • Taxes and Fees
  • Wellness Capability Overview which includes information on Rally, HealthiestYou and UnitedHealthcare Motion

It’s the Final Countdown! AEP is Coming to an End

The Annual Election Period is coming to an end on Friday December 7th. Below are some important reminders to ensure your clients are properly enrolled…

  • All applications must be submitted to the carriers by 11:59 PM on Friday December 7th.
  • Electronic submission is preferred!
  • When faxing applications to the carriers, you must submit one application at a time and keep your fax confirmation for each app. If an application becomes lost or is not received, you may need your back-up documentation to prove the initial submission date.

Don’t Miss Out On Selling UnitedHealthcare’s Plan 1 During AEP!

UHC Medicare SolutionsATTENTION BROKERS:

Enroll your clients in UnitedHealthcare’s MAPD and Medicare Supplement plans this AEP! Read more below on the great benefits they offer to members.

Top Features of UHC’s MAPD plans:

  • Visiting member benefit in 28 states (including Ohio) in the Passport program.
  • Offer hearing and vision coverage through their OWN providers: Epic Heath, Hi Health, and Spectara.
  • Clients have access to UHC’s Health Products Catalog that saves members money on many personal care items.
  • Mail order service and fitness benefit through Optum.
  • Robust member support programs like: Navigate for Me, Advocate for Me, and House Calls.

Top Features of UHC’s Med Supp plans:

  • Only MS brand with the AARP name
  • Stable annual trend increases (less than 3.2 percent each year for over 14 years)
  • Lifetime commissions on policies written 5/1/18 and after
  • Offers a health and wellness program via Optum

If you have questions or want to get contracted with UHC, please contact your Cornerstone Senior Marketing representative.

UnitedHealthcare’s 2019 A2Oh! Rewards Program

UnitedHealthcare recently announced the new 2019 A2Oh! Rewards Program trip destination for commission-eligible, accepted, and paid sales of AARP Medicare Supplement insurance plans from UHC.

The A2Oh! Rewards Program offers three different categories of travel awards from UHC:

  1. Sapphire: Presented to Level 2 agents who achieve 125+ accepted and paid sales during the qualification period.
  2. Emerald: Offered to Level 2 agents whose total accepted and paid sales during the qualification period earn them a ranking between 11 and 25 of top performers.
  3. Diamond: Offered to Level 2 agents whose total accepted and paid sales during the qualification period earn them a ranking between 1 and 10 of top performers.

Click here to learn more about the program.

 

Contact your Cornerstone Senior Marketing representative with any questions.

Important Information If You Were Born In 1953

Social Security Solutions, LLCIf you were born in 1953, next year is your full retirement year. The 2019 earnings limit (wages and self-employment only) is $46,920. It’s time to do the math so you don’t miss out on the retirement benefits available to you starting in January 2019.

Here is how this strategy works: If you are earning about $80,000 a year from a job or from self-employment, you could possibly start taking a retirement benefit in January 2019. Social Security only counts your earnings for months prior to your full retirement month. This means if you were born in July 1953, they only count your earnings through June 2019. At $80,000 per year, you are only earning $40,000 through June and could take a slightly reduced benefit in January 2019 because your earnings are under the limit through June 2019. Social Security doesn’t care what you earn after June 2019 if you are under earnings limit.

BINGO!

Thousands of dollars in your pocket before June and you keep working earning your $80,000 for the year. Plus, if your spouse is eligible for spousal benefits, they can file on your record January 2019 as well.

This may not be the best choice for those who want to wait until 70 to maximize their retirement benefit, but if you were planning to file for your benefit in June 2019, this strategy is worth considering.

You can file for a January 2019 benefit at any time. Online applications are the most efficient way, but you must create your personal “My Social Security” account with Social Security at www.ssa.gov in order to file an online application. For more information about your “My Social Security” account, click here.

Contact me for a retirement benefit analysis!

 

About Dennis Heywood

Denny’s career with Social Security provides an in-depth, working knowledge of the Social Security Administration’s internal organization and processes. An expert in all phases of SSA programs: retirement, survivor, disability, and Medicare, Denny has expertise with the complex Social Security regulations based on more than 40 years of experience.

ss-help.com

CVS Health Announces Completed Acquistion of Aetna

CVS Health completed its acquisition of Aetna on Wednesday. The combined company intends to provide consumers access to the information and resources needed for quality health care, as well as remove barriers to access to affordable care.

New products and services developed by the combined company will be broadly available to the health care marketplace, regardless of one’s insurer, pharmacy benefit manager (PBM), or pharmacy of choice. Additionally, CVS Health offerings, including retail pharmacy services, specialty pharmacy and long-term care, walk-in clinical services, and PBM services, will continue to be fully accessible to other health plans. Aetna members will also continue to have a broad network of pharmacies, including community-based independent pharmacies, available to fill their prescriptions. CVS Pharmacy will continue to participate within the pharmacy networks for other PBMs and health plans.

Contact your Cornerstone representative with any questions.

 

Click here to view the official release from Aetna.

Click here to view the official release from CVS Health.