Medical Mutual 2018 FFM Enrollment Training Webinars

Medical MutualMedical Mutual of Ohio will be hosting a number of webinars throughout 2018 for training on enrollment and business renewals through the Federally Facilitated Marketplace (FFM).

Click here to register.

All 2018 webinars will be held at 10:00 a.m. EST on the following dates:
Tuesday, February 6th
Tuesday, March 6th
Tuesday, April 3rd
Tuesday, May 1st
Tuesday, June 5th
Wednesday, July 17th
Tuesday, August 7th
Tuesday, September 5th
Tuesday, October 2nd

Medical Mutual Update: PNC HSA Account Transfers

Through an agreement with PNC Bank, Medical Mutual has paid $2.50 per member/per month administrative fee associated for all MMO groups and individuals with a PNC Bank health savings account (HSA). This fee will no longer be paid effective March 1, 2018. There will be no charge to transfer funds from the PNC HSA to MMO’s HSA.

Communications will be sent to market segments currently with a PNC HSA informing them of this change:

View Group letter.

View Individual Policyholder letter.

View Group member letter.

Talking Points for Addressing the Tax Bill and the Individual Mandate

Senate Republicans recently approved the repeal of Obamacare’s individual shared responsibility penalty as part of the 2017 reconciliation act. While the tax cut does not repeal the individual mandate itself, it zeros out both the dollar amount and percentage of income penalties imposed by the mandate.

The details of the repeal may be confusing for your clients, so we have put together a resource of talking points to simplify the repeal and what it means, sourced from a recent article from Health Affairs:

  • Both houses of Congress have now voted to repeal the Affordable Care Act’s (ACA) individual shared responsibility penalty, effective for 2019, as part of the 2017 tax reconciliation act.
  • Individuals remain responsible for having insurance or paying the penalty for the 2017 filing season and for 2018.
  • The IRS announced it will reject electronic filings of 2017 tax returns that do not claim coverage or an exemption or include payment of the penalty.
  • Important:  the individual mandate was not repealed.  Section 5000A of the individual mandate provides the legal requirement for individuals to purchase minimum essential coverage even though the penalty for not doing so has been repealed.
  • Employers providing “minimum essential coverage” must still report info to the IRS for the covered individuals and provide evidence of coverage to the individual or be subject to penalties if they fail to report.
  • Provisions for individuals to apply for exemptions from the mandate (to exchanges or the IRS) are still in place but it’s unlikely that individuals will apply for exemptions after the penalty is repealed in 2019.
  • There are two employer mandate penalties that remain in place:
    • a penalty imposed on employers who fail to offer minimum essential coverage to full-time employees if any employee receives premium tax credits to enroll in coverage through an exchange, calculated on a per-employee basis for all full-time employees; and
    • a larger penalty imposed on employers who offer minimum essential coverage but fail to offer “minimum value” coverage, which applies to each full-time employee who in fact receives premium tax credits for exchange coverage.
  • Premium tax credits will continue to keep coverage affordable for consumers with incomes below 400 percent of the poverty level.
  • Coverage will continue to be available to all consumers regardless of preexisting conditions.
  • Premiums will not depend on health status, and a risk adjustment system will penalize insurers who attract primarily healthy enrollees.
  • The remaining eight titles of the ACA remain operative, including provisions closing the Medicare donut hole.


Read the full article from Health Affairs here.

UnitedHealthcare Fixed Indemnity Plans Available

Fixed indemnity plans pay your clients fixed benefits when they receive an eligible medical service specified in their plan. These fixed benefits can help offset amounts your clients may have to pay out of pocket. There are a few reasons why a Fixed Indemnity plan may be the right fit for your clients:

  • Fixed indemnity plans help fill gaps in coverage. These plans can help your clients pay their out-of-pocket medical costs and supplement their major medical insurance.
  • Fixed indemnity is help for the expected and unexpected. Fixed Indemnity plans may cover things like doctor’s visits, prescriptions, outpatient services like labs and X-rays, hospital stays for illness and injury, and surgical procedures.
  • Fixed indemnity plans offer predictable fixed payments. Fixed indemnity plans pay a predetermined amount for certain health care services, regardless of the amount charged by the provider.
  • These plans are available all year long – no enrollment periods to contend with. Health ProtectorGuard is renewable up to age 65.


For more information, contact your Cornerstone representative.

Premiums Hike For Children Under 2018 ACA Policies

Premiums increased across the board this year and not insignificantly. Fourth quarter hit harder than ever, a telling glimpse into next year if nothing changes in our legislature. One major change that didn’t get much press was the change in factors for children age 15 to 20 on group and individual plans. You may have seen it on ACA quotes without giving it a second thought.

But as December 2nd article from the LA Times explains, this is a “complicated new rule, approved last year by the Obama administration, that allows insurance companies to assign more of a family’s overall premium cost to children in individual and small group policies, starting in 2018.” It goes on to say, “It also allows insurers to charge higher rates for teens than for younger children beginning at age 15, because teenagers typically rack up bigger medical bills. Up until now, the ACA has not allowed any difference in the amount charged for children from birth to age 20.”

Click here for the full article.

Altrua HealthShare Weekly Webinars Are Back!

Join Altrua as they reintroduce their weekly webinars with Crown CEO, Doug Sherman.

Doug will be discussing Altrua’s 2017 overview and their forecast for plan year 2018.

The next webinar is scheduled for Tuesday December 19th at 12:00 pm EST. Weekly webinars will be every Tuesday from 12:00 to 12:45 pm EST.

Please attend by using the login information below:

Join from PC, Mac, iOS, or Android

Or iPhone one-tap: +1 (733) 231-9226 | 1481614054#

Or Telephone: +1 (733) 231-9226

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.

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

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.