On-Exchange Policy Status Updates

Tracking Your Individual On-Exchange Business

Your support team is ready to help you with tracking the status of your on-exchange business with Cornerstone.

Complete the Enrollment Status Check form and we will track the status of the policy for you and respond back with any updates.

If you have any questions, please reach out to Danielle Flesch at dflesch@crnstone.com.

Cut-Off Date for Referral Submissions Set


Due to increased referral volume and the shortened individual enrollment period for 2018, a cut-off date of December 1, 2017, has been set for accepting both Senior and Individual/Family referrals.

Cornerstone cannot guarantee that referrals received after this date will be managed in time for the respective December 7, 2017, AEP enrollment deadline or the December 15, 2017, OEP enrollment deadline.

Thank you to our valued broker partners for their continued participation in our referral program. We apologize for any inconvenience this imposed deadline may cause and we appreciate your understanding. Our goal is to ensure we have sufficient time to effectively fulfill the client needs for all referrals received through December 1, 2017.


Questions? Contact your Cornerstone representative for more information.

Individual Market Referral Program Update

Close-up of female and male handshaking over workplace with business documents

On November 2, 2017, Cornerstone released an email relaying Medical Mutual’s decision to manage all MMO sales and service support for their in-force Individual policies starting on January 1, 2018. This decision includes MMO policies with a January 1, 2018, effective date.

In response to several inquiries regarding this update, Cornerstone would like to confirm that this change does not, in any way, affect our referral program. We continue to accept individual referrals and will quote and process enrollments with products available from all our carrier partners, including Medical Mutual.

It is an extremely busy time of the year and we are available to provide you with the help and support you need. Please don’t hesitate to reach out to your Cornerstone representative with any questions you may have.

About Cornerstone’s Referral Program

Not looking to write Individual business? Refer your clients to Cornerstone where our experts will provide a service and resource platform that ensures they receive the proper support for all things benefit related. Plus, receive lifetime commissions for as long as the member is in force.


Contact your local Cornerstone representative for more information about this very beneficial program.

Important Notice From Cornerstone

ATTENTION: Cornerstone Brokers Appointed to Sell/Service Medical Mutual of Ohio Individual Health Plans

Due to the overall volatility in the individual market and the insecurity of future funding of individual cost sharing subsidies, effective January 1, 2018 Medical Mutual of Ohio has determined that all sales and service support for individual policies (including on and off exchange, non-ACA and ancillary) written through MMO will be managed directly through Medical Mutual of Ohio. To clarify, this includes all individual policies with January 1, 2018 effective dates and all in-force individual policies. This transition includes broker and member services, claims resolution, network issues, plan changes, etc.

Cornerstone will continue to service policies in effect through December 31, 2017.

Please note: this DOES NOT AFFECT the Group or Senior market. This change affects individual (under age 65) markets ONLY. We sincerely apologize for any inconvenience.

Referenced below is contact information for personnel at MMO who can assist with all of your individual sales and service needs.

Beverly Danner

Account Manager



Abby O’Brien

Director of Broker Sales



Cornerstone continues to represent a portfolio of individual carriers across the State of Ohio. If you should have any questions or if we can be of assistance with those options, we are here to assist. We appreciate your business and your patience during this unstable period.

Cornerstone’s Agency Service Program is also here to assist you. We can create a tailored plan designed to bring a continued source of revenue to you and your clients will receive superior day to day service and guidance from our tenured experts. We offer several servicing partnership and referral programs in order to allow you to concentrate on your core business model. You can contact your Cornerstone representative for more information on how you can always say “Yes” to your clients.


As always, thank you for your partnership,


Jennifer Agnello, President

Tim Shook, VP Individual and Senior Markets

Molina Healthcare Auto Pay Notification Update

Molina recently sent a letter to some members regarding 2018 premium changes and when the funds would be withdrawn. The notification stated the 2018 premium change would be automatically deducted from the members account in November for new 2018 coverage, this was incorrect. This notice can be disregarded.

Members can refer to their December invoice, which will be received in mid-November for the correct amount that will be deducted in November. Likewise, members can refer to the invoice they will receive in December for their January premium. Members can always go to MyMolina.com anytime to review their invoice and premium due information.


Questions? Contact your Cornerstone representative for answers.

Altrua’s Revised Enrollment Platform | Attend Webinar Training Today!

Plan to attend one of the upcoming training webinars from Altrua as they explain revisions to their Membership Enrollment Platform.

These 30-minute webinar trainings are offered 4× per day Monday through Friday, now through November 15, 2017.

Revised Platform Training for Agents

Join from PC, Mac, iOS, or Android

Monday–Friday through November 15, 2017



Dial: +1 (773) 231-9226

Meeting ID: 149 119 6566



Dial: +1 (773) 231-9226

Meeting ID: 148 492 2669



Dial: +1 (773) 231-9226

Meeting ID: 148 191 7589



Dial: +1 (773) 231-9226

Meeting ID: 149 037 1105

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.

Federal Judge Rejects Democratic Bid to Block Ending CSRs

Recently, President Trump issued an executive order designed to draw people away from the ACA markets. That same day, the administration announced they would no longer make Cost-Sharing Reduction (CSR) payments to insurers.

On October 25, U.S. District Judge Vince Chhabria in San Francisco rejected a bid by Democratic state officials to temporarily block the White House from ending cost-sharing reduction payments to health insurers under the ACA. The goal of the coalition of 19 Democratic attorneys general was to force the federal government to make payments that would help insurance companies lower out-of-pocket costs for low-income policyholders.



Federal Judge Upholds Order to End Cost-Sharing Reduction Subsidies

Dental Care Plus Group Broker Bonus for Individual Product Sales

Dental Care Plus Group’s Broker Bonus Incentive is designed for brokers to earn additional cash during this AEP season. For every new individual product subscriber enrolled between October 1, 2017 and January 15, 2018 with an effective date of November 1, 2017 through February 1, 2018, you will receive $5 per subscriber. The more new subscribers you enroll, the more cash you will earn.

For more information, click here.


Contact your Cornerstone representative with any questions you may have.

Medical Mutual to Include Northeast Ohio in HMO Strategy

Beginning January 1, 2018, Medical Mutual will expand their HMO strategy to include Northeast Ohio. Members currently enrolled in the MMO Individual ACA Point of Service (POS) product will be mapped to the new network, Northeast Ohio HMO.

Medical Mutual will also be expanding their individual portfolio to the following counties…

Mercy HMO
  • Allen
  • Auglaize
  • Brown
  • Butler
  • Champaign
  • Clark
  • Clermont
  • Columbiana
  • Defiance
  • Fulton
  • Hamilton
  • Hancock
  • Henry
  • Huron
  • Lorain
  • Lucas
  • Mahoning
  • Mercer
  • Putnam
  • Seneca
  • Trumbull
  • Wood
OhioHealth HMO
  • Athens
  • Delaware
  • Fairfield
  • Franklin
  • Hardin
  • Hocking
  • Licking
  • Marion
  • Morrow
  • Richland
  • Union
  • Ashland
  • Ashtabula
  • Cuyahoga
  • Geauga
  • Lake
  • Medina
  • Portage
  • Summit
ProMedica HMO
  • Lucas
  • Wood