NEW: Aetna Funding Advantage Extended Contract

Aetna Funding Advantage is available on a 15-month contract for December 1 and January 1 new customers. Wouldn’t it be nice to have some business renewal outside OEP? Learn more.

Aetna Expands Market Size For AFA And Offers $50 Per EE Bonus

Aetna Funding Advantage is now available for 5–100 groups in Ohio. AFA is Aetna’s fastest growing small business offering with potential savings on monthly costs, the opportunity for surplus sharing, a digital administration and enrollment platform, wellness activated by Apple Watch and more. Aetna has expanded it to groups with 51 to 100 eligible employees in Ohio.

Click here to learn more.

Click here for the original release from Aetna.

REGISTER: NWOAHU’s Fall Products Fair for Medical Plan Roll Outs

Register today for NWOAHU’s Fall Products Fair for Medical Plan Roll Outs!

September 26, 2018

Breakfast and Registration 8:30 am to 9:00 am

Program runs from 9:00 am to 4:00 pm

This is an event that Cornerstone is co-sponsoring with the Northwest Ohio Association of Health Underwriters (NWOAHU). This event is FREE to brokers and is a great place to get updates from all the major carriers, back-to-back.

Tentative Agenda:

9:00 am to 11:30 am — Group Presentations
11:30 am to 12:30 pm — Lunch with keynote speaker (TBD)
12:30 pm to 2:30 pm  — Medicare Carrier Presentations
2:45 pm to 4:15 pm — Individual Carrier Presentations

Click here to register.

Now Available: Union Security Insurance Company and Lumico Agent Portal Links

Contracted with Lumico or Union Security? See below!

Once you are contracted with Lumico and Union Security, register/log in to each carrier’s websites to access the agent portals.

The websites are:

  • Union Security Insurance Company
  • Lumico (This website requires a registration code to register. The registration code is listed in your welcome letter or call agent services at 855-972-2782 to obtain it.)

Join Cornerstone For Our Upcoming Blood Drive!

Hosted by: Cornerstone Broker Insurance Services Agency and Phototype

Wednesday, August 22, 2018

1:00 pm–3:00 pm

Donor Bus parked on Cornerstone lot, 2101 Florence Avenue

To schedule an appointment, please click here.

Or call Hoxworth at (513)451-0910

Aetna Funding Advantage Offers 15-Month Contract

Aetna Funding Advantage will again offer a 15-month contract in December 2018 and January 2019 for new Aetna customers who select an AFA plan. AFA extended the 15-month contract offer to 23 additional markets.

The new AFA extended contract:

  • Offers a 15 month AFA contract
  • Applies to new Aetna small group (5-50**) customers with December 1, 2018 and January 2019 effective dates
  • Moves your client to a March 1, 2020 or April 1, 2020 anniversary date
  • Is available in AZ, CO, FL, GA, IA, ID, IL, KY, LA, ME, MI, MN, MO, MS, NE, NJ, NV, KS, OH, OK, TN, TX, UT, WI and WY

Contact your Cornerstone representative for additional details.

AVAILABLE NOW! Cornerstone’s Level-Funded Product Comparison

AVAILABLE NOW! Cornerstone Employee Benefit Agents can request this year’s level-funded product comparison from their Cornerstone Advisor. The tool answers the most common questions for Aetna Funding Advantage (AFA), AllSavers, and Humana’s Level-Funded Solutions from quoting to ongoing administration and what to expect at renewals.

Contact your Cornerstone representative for more information.

Trump Administration Releases Final Rule and Fact Sheet Regarding Short-Term Limited Duration Insurance

The Trump Administration issued a final rule Wednesday morning regarding short-term plans (or STPs) that is expected to go into effect 60 days from today. The rule will end a policy from the Obama Administration that restricted the length of time for STPs. The final rule restores the maximum duration of STPs to up to 364 days, with the ability to renew for up to 36 months at the carrier’s discretion.

The rule was created in response to an executive order passed by President Trump in October that directed federal agencies to expand the availability of Association Health Plans, short-term policies, and HRAs.

Click here to view the final rule.

Click here to view the fact sheet.


Contact your Cornerstone representative for any additional details.

RSVP Today for Delta Dental Training with CE in Columbus

Improving Quoting Techniques in the Dental Benefits Marketplace

Delta DentalJoin Cornerstone and Delta Dental for an in-depth look at improving quoting techniques in the dental benefits marketplace. The class will provide an understanding on the differences in plan designs and rate impacts, as well as the reasons why information is requested from producers when they send over a dental RFP.

Earn one continuing education credit!

DATE: August 16, 2018

TIME: 2:30 p.m.

Class is from 3:00 pm–4:00 pm

Happy Hour 4:00 pm–5:00 pm

LOCATION: J. Liu Restaurant Worthington | Worthington, OH 43085


Click here to RSVP

Not appointed with Delta Dental? We can help.

Contact your Cornerstone Rep today!

Submitting Medicare Applications to Cornerstone

Due to CMS and carrier requirements, Cornerstone will no longer be able to submit Medicare Supplement, Medicare Advantage or PDP applications on the behalf of our agents. EFFECTIVE IMMEDIATELY, ALL ENROLLMENT APPLICATIONS MUST BE SUBMITTED DIRECTLY TO THE CARRIER BY THE AGENT. You are welcome to continue to send a copy of the submitted enrollment form to Cornerstone for tracking purposes if you would like to do so.

The allowable methods for submitting enrollments are listed below. If you have any questions, please contact your Medicare service specialist.


Electronic (PREFERRED)

Most carriers provide some form of electronic enrollment, via desktop computer, lap top, or iPAD App. This is the carrier’s and Cornerstone’s preferred method for submission.

Advantages to using electronic enrollments include:

  • Protection from CMS 48-hour violations
  • Faster turnaround times on application processing
  • Commissions pay faster
  • Virtually impossible to submit an incomplete application
  • Access to your client’s information electronically through an app/enrollment queue
  • Some carriers provide the ability to print a copy of the application
  • The iPad library stores and organizes enrollment materials (SOBs, formularies, directories, etc.) so there’s no need to order paper supplies anymore

Faxing Directly to the Carrier

Listed below are all of the carrier’s direct fax numbers.  Important things to remember if you are faxing your enrollments:

  • Fax ONE application at a time
  • Keep a copy of your fax confirmation with each application – you will need this if the application is lost or not received by the carrier

Click here for a list of the carrier’s fax numbers.


Thank you for your understanding and cooperation. If you have any questions, please let us know!