Thank You For A Successful AEP!

On behalf of Cornerstone, we would like to thank our broker partners and carrier representatives for another successful annual enrollment period!

It is the dedication and continued support of our partners that make our business model successful.

REMINDER: Open Enrollment ends December 15!


Are you prepared for post-AEP? Find out what you should focus on after the enrollment season here.

Find Out More About Aetna’s Apple iWatch Offer

In case you missed it when enrolling a new employer group in an Aetna Funding Advantage plan by having members enroll within the Springboard system, they receive an offer for an Apple iWatch at a significantly reduced price—$25 plus tax.

Click here for more information on how this works!


This document is also located on Broker Centric. Find out more here.

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



Aetna Deadlines for the End of AEP Enrollments

Aetna Medicare AEP marketing efforts must cease on December 7, 2017 (at the end of AEP). See below for more important dates:

December 7, 2017. All AEP applications for January 1, 2018, effective date must be completed, signed, dated, and received by the agent no later than 11:59 p.m. December 7, 2017. You may not backdate the member signature date, agent receipt date, or agent signature date.

Submit apps within 2 daysAetna must receive signed enrollment applications within two calendar days after you receive them from beneficiaries.

December 9, 2017. Aetna must receive all applications by December 9 to process them for a January 1 effective date.

After AEPIf you receive a completed enrollment application after AEP ends on December 7, do not hold or destroy it. Under CMS rules, you must still submit it to us within two calendar days as noted above. Aetna then will process or deny the enrollment as appropriate.

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.

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.

How to Prep for After the Enrollment Season

You spent months prepping yourself and your clients for the enrollment season. But do you have a game plan for when it’s all over?

Thank your clients for their business. Ready your portfolio with a stack of “Thank You” cards that will be handwritten and sent out to both loyal and new clients. A simple, thoughtful message expressing your gratitude for their business is a great way to cultivate new professional relationships and ensure long-lasting rapport.

Keep open communication with your clients. After the enrollment season, it’s still important to maintain contact with your clients to ensure that they are happy with their coverage. Consider adding newsletters to your marketing portfolio with health tips, coverage options, basic health care education, industry news, etc.

Evaluate your brand. What marketing tactics worked during this enrollment season? Was your website effectively drawing in prospective clients? Are you happy with your branding? Post-enrollment is the best time to take a look at your brand and make changes that will positively impact the offseason and your next busy season. Create a consistent brand that your clients can trust. Click here to enhance your brand with new marketing pieces.


Retention is just as important and prospecting. Put your focus on maintaining your client base after this enrollment season.

Aetna Small Group (ACA 1–50 only) Broker Commission Changes Effective January 1, 2018

Small group (1–50) ACA broker commissions for medical cases sold in Ohio and Kentucky are changing. The new ACA commission structure applies to those new and renewal business sales effective January 1, 2018. Brokers will continue to earn commissions on a per employee, per month (PEPM) basis.

The current commission level for 51–100 of $30 PEPM will not change, and the default service fee of $30 for AFA business will not be changing. These commission changes apply to small group ACA business only, and the change in existing small group ACA business will occur upon the group’s renewal date.

For ACA new and renewal medical business sold with an effective date of January 1, 2018, or later, the commission will be:

Number of eligible employees enrolled Commission per employee, per month (PEPM)
1 – 50 employees ACA small group 1 – 50 $15 (new and renewal business)


To view ACA, fully insured, and AFA broker commissions, please click here.

Become An Aetna Front Runner!

Become a part of Aetna Medicare’s Front Runners program by selling 18 or more 2018 Aetna or Coventry Health Care Individual Medicare (MA/MAPD, PDP) enrollments during AEP. As an Aetna Front Runner, you will receive free Aetna Individual Medicare certification in 2018, signage announcing your status, online discounts from Staples, and discounts on Kaplan Insurance Continuing Education Courses online for one year.

For more information, contact your Cornerstone representative today.

5 Tips For Managing Stress This Enrollment Season

The enrollment season is the busiest, and most stressful, time of the year. It’s easy to get caught up in your inbox, your voicemails, paperwork, and more, especially with deadlines looming closer. However, in order to properly take care of your clients and stay on top of a heavy workload, it’s important to manage your stress.

Keep yourself mentally and physically at the top of your game by following any of the stress management tips below:

  1. Recognize signs of stress and your stressors. Does tackling the mountain of papers on your desk feel like an inconceivable task? Is your desk too disorganized to focus on much else? Are you lacking the tools necessary to help you through the busy season? Take a minute to identify and tackle your stressors so you can learn how to properly manage them.
  2. Set your major priorities at the beginning of the day, leaving room for emergencies. It’s difficult to avoid multitasking with a heavy workload. You find yourself answering emails while trying to accomplish 50 other tasks at the same time. At the beginning of the day, set between 3–5 priorities that you need to accomplish, be it a call to a client, answering an important email, focusing on marketing, etc. But be sure to leave some room for emergencies that may pop up throughout the day. Priorities will sometimes shift, so you want to prepare yourself to manage new priorities as they come along.
  3. Don’t be afraid to take a break. An article from The Atlantic stressed the importance of walking away from your desk throughout the day. The article referenced a study by the DeskTime productivity app which concluded that higher performer workers in the study would work for an average of 52 minutes, followed by a 17-minute break, often away from the computer. This means taking a short walk around the office, speaking with a coworker, stretching, getting a cup of coffee, etc.
  4. Take care of yourself. Get rid of that 3 pm fatigue! Even on your busiest days, be sure that you are eating the proper amount of nutrient-dense foods, focus on gaining as much rest as possible, and remain active. When your body is at its peak, it will run more efficiently to get the job done.
  5. Use the resources and materials available to you. Cornerstone has a number of online resources that are specifically designed to streamline and maximize the efficiency of your business. Check these out here.