Medical Mutual Changes How Commissions Are Accessed

Effective April 16, 2018, Medical Mutual commission statements will be accessible only through MyBrokerLink and will no longer require a separate registration or log-in. The first commission statements available on MyBrokerLink will be for the March 2018 commission payment.

Click here to learn more.

SAVE THE DATE: Cornerstone’s 2019 Senior Roadshow!

Cornerstone’s Senior Marketing team is back in 2018 with another four-location carrier product roll-out roadshow. We’re coming to you this year with in-depth looks into 2019 products and opportunities to meet with carrier and Cornerstone representatives one on one.

Click below to register to any of the four available locations.

We hope to see you there!

August 20, 2018 | Cincinnati

Embassy Suites

4554 Lake Forest Drive

Blue Ash, OH 45242

August 21, 2018 | Toledo

Hilton Garden

6165 Levis Commons Blvd

Perrysburg, OH 43551

August 22, 2018 | Cleveland

Embassy Suites

5800 Rockside Woods Blvd N

Independence, OH 44131

August 23, 2018 | Columbus

Hilton Polaris

8700 Lyra Dr.

Columbus, OH 43240


Anthem Releases 2019 Anthem Specialty Broker Guide

Anthem recently released their 2018 Anthem Specialty Broker Guide with information regarding Anthem dental, vision, life, and disability for groups with 2–100 employees.

Click here to view.

CMS Releases HHS Notice of Benefit and Payment Parameters for 2019

CMS recently issued the HHS Notice of Benefit and Payment Parameters for 2019, generally for plan years beginning on or after January 1, 2019. The rule is designed to improve affordability for those with high premiums.

The rule includes provisions in the following key areas:

  • Essential Health Benefits (EHB)
  • Qualified Health Plan (QHP) Certification Standards
  • Exemptions
  • Risk Adjustment
  • Advance Premium Tax Credit (APTC) Program Integrity
  • Special Enrollment Periods (SEPs)
  • Medical Loss Ratio
  • Small Business Health Options Program (SHOP)
  • Rate Review

In addition, CMS has extended the transitional policy for one additional year, allowing for the transition to fully ACA-compliant coverage in the individual and small group Health Insurance Marketplaces until 2019.

Click here for more information or contact your Cornerstone representative.



States face challenge in curbing premiums after stabilization package fails

CMS issues final 2019 Payment Notice Rule to increase access to affordable health plans for Americans suffering from high Obamacare premiums

SAVE THE DATE: CE Opportunity Available in Northwest Ohio

Cornerstone’s Toledo and Lima offices are hosting CE days for Cornerstone agents on May 22nd and May 23rd. 4 CEs available!

The schedule below is the same for May 22nd and May 23rd.

May 22, 2018 | 8:30 am–3:00 pm


5555 Airport Highway, Suite 142

Toledo, OH 43615


May 23, 2018 | 8:30 am–3:00 pm


3745 Shawnee Road, Suite 104

Lima, Oh 45806


Click here to RSVP

Golden Rule’s $100 Triple Play Health Protectorguard Contest

Earn $50 for every eligible Health ProtectorGuard plan PLUS another potential $50 when you bundle with an Accident Pro Series plan and a dental plan, starting with the first issued online application, once you’ve submitted a minimum of 20 Health ProtectorGuard online applications.

Click here for more information.

LIVE TRAINING: Learn How to Grow Your Business with Cornerstone and UnitedHealthcare

Learn how to build your business with this can’t-miss seminar presented by Cornerstone and UnitedHealthcare!

Mark your calendar for Cornerstone’s interactive training seminar with UnitedHealthcare on ways to market and build your business! You won’t want to miss this…

During this session you will learn and identify existing/new centers of influence to generate new referrals and grow your book of business.

Other topics to be discussed:

  • Creating an action plan to engage centers of influence and learn what resources with UHC are available to you
  • Learn and compare what is working with other agents
  • Schedule 1-on-1 follow ups so your agent manager can help you succeed
  • Sign up for upcoming trainings and workshops focused on your business


DATE: Wednesday, April 18

TIME: 9:00 am–11:00 am

LOCATION: Cornerstone Cincinnati Office – Media Center

2101 Florence Ave. | Cincinnati, OH 45206



Not contracted with UHC? Contact your Cornerstone representative to get started!

Medicare Premiums: 2018 Threshold Changes for Higher-Income Beneficiaries

2018 ushers in new (lower) thresholds for higher income beneficiaries. Lower is not a good thing. Persons and couples falling into the third, fourth, and fifth thresholds will be affected and pay higher Part B and D premiums. For example, a couple filing jointly whose adjusted gross income (AGI) in 2015 was between $214,000 and $320,000 paid Part B premiums of $267.90 each and an extra $34.20 each on Part D premiums in 2017.

In 2018, a couple filing jointly whose adjusted gross income (AGI) in 2016 was between $214,000 and $267,000 (lowered by $53,000) will pay Part B premiums of $267.90 each and an extra $33.60 each on Part D premiums in 2018. Persons filing as individuals are likewise affected in the upper three thresholds.

And don’t think you can avoid the issue by “married filing separately”. There are only two thresholds for married filing separately. If the 2016 AGI is $85,000 or less you pay the standard rates (B=$134 D= your standard premium). If the 2016 AGI is above $85,000 you pay $428.60 for Part B and an extra $74.80 above your plan premium for Part D.

That said, don’t forget these increased premiums for 2018 can be appealed and lowered for a “Life Changing Event” the most common of which is Loss of Earnings. If high earnings from 2016 are no longer available (somebody retired from their job or self-employment), Social Security will lower the 2018 premiums based on your estimate of the 2018 AGI. Other Life Changing Events are death of a spouse, divorce, marriage, loss of income-producing property, reduction/loss of pension, and employer settlement.

Please see the guide to Medicare premiums for higher income beneficiaries at for the all the premium changes in 2018 or you can email me for a copy of the new rates.


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 experience.

UnitedHealthcare Offers Free Quit for Life Tobacco Cessation Support

UnitedHealthcare is adding FREE Quit For Life tobacco cessation support on all fully insured plans effective June 1, 2018.

Quit For Life is a clinically proven tobacco cessation program offered in collaboration with the American Cancer Society. The program combines digital and telephonic tools and resources, along with physical, psychological, and behavioral strategies to help members overcome their tobacco addiction.

Throughout the program, members have access to a highly trained, experienced Quit Coach to help make a plan, set a quit date, and provide ongoing support. In addition, members receive many tools and resources to help keep them engaged and on track with their cessation plan, including:

  • Expert-led online courses
  • Urge management tools
  • Digital first approach (portal and mobile support)
  • Highly trained tobacco cessation coaches
  • Nicotine replacement therapy counseling
  • Text messaging
  • Secured emails

Since 2009, Quit For Life has been delivered to the market in collaboration with the American Cancer Society. This product also has multiple other partners and accreditations, including the Society of Behavioral Medicine, Association for the Treatment of Tobacco Use and Dependence, World Health Organization, and Stanford Research Institute International. Quit For Life has helped more than 3.5 million people and has delivered impressive results:

  • 49% quit rate
  • 95% program satisfaction
  • 97% of participants would recommend the program

Although smoking rates have declined over the years, one out of six American adults still smokes. Costs to employers are staggering: $3,160 in medical expenses + $146 in workers’ compensation + $1,066 in lost productivity + $1,903 in smoking breaks = $6,275 total.

It can be difficult for people to stop smoking or using any form of tobacco, especially without the proper help and resources. Quit For Life provides members with the coaching, tools, and resources to help improve their confidence and motivation to quit.

Quit for Life Employer Sell Sheet

Updates to Anthem Blue View Vision Plans

Anthem Blue View Vision large group (51+) employer-paid and voluntary vision plans will be updated for new business and current plans with effective or renewing dates of July 1, 2018, and after.