5 Reasons Aetna is Your Choice in Northeast Ohio

 

Cornerstone Senior Marketing & Aetna MA/MAPD want to share some insightful benefit information on Aetna’s plans if you have clients in the Northeast Ohio region.

5 reasons Aetna is your BEST choice in Northeast Ohio:

  1. Access to National Network on PPO and HMO plans. Network includes ALL acute care hospitals in Ohio, with access to a national network which includes Cleveland Clinic, Akron Children’s and Aultman.
  2. Expanded service area into Wayne, Carroll and Tuscarawas counties.
  3. $0 premium HMO Value and $0 premium Value PPO plans.
  4. $0 PPO includes dental, OTC, hearing and meal benefit.
  5. Reduction in MOOP and copays including $0 Tier 1, and Tier 2 Prescription gap coverage.

 $0/MONTH

Two plan options including both medical and prescription drug coverage at $0/month

PROVIDER NETWORK

All acute-care hospitals in Ohio are in-network for Aetna members

(The Ohio State University is in-network for Aetna PPO members only)

NEW BENEFITS ADDED

Plans may include: OTC allowance, transportation, post-discharge meals, and dental, vision, & hearing benefits

If you have questions or want to get contracted with Aetna please contact your Cornerstone Senior Marketing representative.

Important News From Humana Med Supp!

Did you know?

Humana Marketpoint

Humana Marketpoint offers plans G & N on a GI basis along with the typical plans (A, B, C, F, K, & L) for clients who are coming off of a group health plan and if they have had Medicare Part B over a six month time frame, along with Silver Sneakers!

For more information, view the 2019 Humana Medicare Supplement Sales Guide.

Questions? Reach out to your Cornerstone Senior Marketing representative today!

Anthem’s 2019 AEP Medicare Megastar Incentive

Anthem’s 2019 AEP Medicare Megastar Incentive: Sell 19 MA Apps during AEP 2019 and become a Medicare Megastar!

Here’s how YOU can be a Medicare Megastar and get FREE AHIP certification!:

Sell 19 approved Medicare Advantage policies (including D-SNP plans) with 1/1/19 effective dates during this AEP season and YOU can become a Medicare Megastar!

As a Medicare Megastar you’re entitled to SUPERHERO benefits like getting your 2020 AHIP certification at no cost! That’s Anthem’s way of showing their appreciation for your hard work and dedication.

Questions? Contact your Cornerstone Senior Marketing sales representative for more information!

MeridianCare’s New Online Enrollment Application

Attention MeridianCare Agents:

MeridianCare is excited to announce for the 2019 sales season the launch of their brand new Online Enrollment Application(OEA). This is the required method of submission for all Cornerstone appointed brokers. They have made some major improvements to the OEA that will make it a lot easier to complete an application for a beneficiary. For example, Meridian added the Scope of Appointment and the Statement of Understanding to the OEA. See link below for a user guide that will take you step-by-step through the online application.

There are a few things to keep in mind:

  1. If an application does not have an email address that field is not require. Also, please do not enter your email address in this field since it is stored to the members account.
  2. If you would like a copy of the application for your records, you can print a copy by clicking the link on the confirmation page at the end. For further instructions refer to the user guide below.
  3. If you have never used the OEA before remember to select “I am an agent” so the system can assign you as the agent of record.

If you have any questions regarding the Online Enrollment Application please reach out to your Cornerstone Senior Marketing Representative.

Online Enrollment Application (OEA) Job Aid

Lunch Is On Us! Grab Your Humana Medicare Kits On Friday!

End the first week of AEP with your friends at Cornerstone Senior Marketing and Humana and grab some Tommy’s Pizza and Medicare kits on us!

Humana representatives Sandy Bartels and Cyndi Ellis will be at our Columbus office on Friday, October 19 to meet with you, provide plan kits, and serve lunch to our valued brokers.

WHEN: Friday, October 19

TIME: 11:00 am–1:00 pm

WHERE: Cornerstone Columbus Office

9482 Wedgewood Boulevard, Suite 130 | Powell, OH 43065

RSVP here.

*Please register by Thursday, October 18 so we can be sure to provide enough food. Please indicate the specific plan kit numbers you need when registering.

Check Out These Tips for a Successful 2019 AEP!

Once again AEP is upon us and Cornerstone Senior Marketing would like to provide you with some helpful tips on how you can make this AEP your most successful!

Check out our Broker Centric repository for the latest carrier information and how tos.

Submitting Applications:

  • Electronic submission is preferred
  • Submitting Direct to the Carrier
    • When you fax your applications to the carriers you must submit 1 application at a time and keep your fax confirmation for each app. If an application becomes lost or is not received, you may need your backup documentation to prove the initial submission date.

Carrier Fax Numbers:

Aetna Coventry

Medicare Advantage – MA App Number
Medicare Advantage Email
Prescription Drug Plans – RX App Number

*See attached Info on App Numbers

Medicare Supplement (AHIC, ACI, CLI)

 

888-665-6296 or 866-441-2341

MedicareEnrollmentTransactions@aetna.com

866-415-2232

 

877-380-2777

Allwell – ONLINE SUBMISSION ENCOURAGED

Medicare Advantage

 

844-222-3180

Anthem

Medicare Advantage & PDP

Medicare Supplement

 

800-833-8554

844-236-7967

Cigna 877-704-8186
CSI 855-304-2855
Gateway – SUBMISSION THROUGH CAVULUS REQUIRED
GPM Health and Life 866-422-9139
Humana MarketPoint 877-889-9936
Lumico 833-522-4001
Medical Mutual

Medicare Supplement

Medicare Advantage

 

medicareapps@medmutual.com

800-542-2583

Medico – OH ONLY

Medicare Supplement

All Other Products

*Please contact senior service rep for out of state numbers

 

844-850-2550

888-363-3420

Mutual of Omaha

Medicare Supplement

Medicare Advantage

PDP

 

866-799-9076

Online Submission Required

855-867-6711

Medigold   614-234-8622
Meridian  –   SUBMISSION THROUGH ONLINE ENROLLMENT REQUIRED
SilverScript – SUBMISSION THROUGH AGENT PORTAL REQUIRED
The Healthplan 740-699-6164
Transamerica (Medicare Supplements) 866-834-0437
Union Security Insurance Company 859-425-5249
UHC

Medicare Advantage & PDP

Medicare Supplements

 

501-262-7070

888-836-3985

Wellcare 866-473-9124

Medicare Supplements WITH CHECKS only:

AMERICAN CONTINENTAL

101 Yorkshire Blvd

Lexington, KY  40509

HUMANA INS CO

2432 Fortune Dr

Lexington, KY  40509

ANTHEM BCBS

KY0301-TACS

13550 Triton Park Blvd

Louisville, KY  40223

MEDICO

Administrative Services

PO Box 10482

Des Moines, IA 50306

CIGNA SUPP BENEFITS

11200 Lakeline Blvd Ste 100

Austin, TX 78717

UNITED WORLD

Records/Mailing Processing Center

9330 State Hwy 133

Blair, NE  68008

CSI

17757 US HWY 19 N Suite 660

Clearwater, FL  33764

UNITED HEALTHCARE INS CO

Enrollment Division

4868 GA Hwy 85 Ste 100

Forest Park, GA  30297

GPM LIFE and HEALTH

Blair Facility

9330 State Hwy 133

Blair, NE  68008

TRANSAMERICA

New Business Dept MS1220

4333 Edgewood Rd NE

Cedar Rapids, IA  52499

UNION SECURITY INSURANCE COMPANY
P.O. Box 14399Lexington, KY 40512-9700
LUMICO LIFE INSURANCE COMPANY
Medicare Supplement Underwriting
P.O. Box 10874Clearwater, FL 33757-8874

Top Reasons an Application Will Pend:

  • INVALID MEDICARE CLAIM #
    • It’s always best that you request to see a copy of the beneficiaries Medicare card to ensure the claim number you are putting on the application is correct.
  • INVALID ELECTION PERIOD
    • While most elections will be marked AEP this time of year, it’s still important to make sure you are using the correct election period for age-ins or other special circumstances.
  • MISSING SIGNATURES / INVALID SIGNATURE DATES
    • Always make sure you and the applicant sign and date the application. Remember, you should not sign and date the application until it is in your possession.
    • Double check that all signatures are complete and the dates are correct (we see a date of birth or effective date listed as a signature date frequently).

 

Other Helpful Tips:

  • 48 HOUR VIOLATION
    • Please remember, CMS states that you have 48 hours from the time YOU sign the application to get it submitted to the carrier. Some carriers now require receipt in 24 hours!  Electronic submission is safest.
  • CARRIERS THAT REQUIRE ONLINE ENTRY
    • Don’t forget that you have to enter Gateway, Meridian, Mutual of Omaha Med Advantage and SilverScript enrollments online through their agent portals to receive commissions!
  • INVALID WRITING NUMBERS
    • This is very important as this is how you are paid! In cases when the incorrect writing number is listed on the application the carrier will drop the policy as a house account until a correction is processed.

CVS-Aetna Merger Cleared by Department of Justice

Verified on October 10, 2018, the Department of Justice has allowed CVS Health’s acquisition of Aetna to proceed. The $68 billion deal is still subject to state regulatory approvals, many of which have been granted.The acquisition is expected to close in the fourth quarter of this year. The intention of the merger is to improve the consumer health care experience at a lower cost for patients and payors.

The news comes just one month after Aetna agreed to sell its Medicare prescription drug business to WellCare Health Plans, Inc. to alleviate concerns that the merger would harm competition among plans with pharmaceutical coverage for seniors.

RESOURCES

CSG Medicare Quoting Tool MS Rate Update

Please note that Medicare Supplement rates are currently being loaded into our Medicare quoting system, CSG Actuarial, for January 1, 2019, and will be available in the next few days.

If you are trying to quote Medicare Supplements for a January 1, 2019, effective date, please know you may be getting incorrect rates.

If you have any questions please contact your Cornerstone Senior Marketing representative.

Medicare Center is Now LIVE!

Medicare Center is now LIVE!

Login Credentials Format Listed Below:

UN: Your National Producer Number

PW*: NPN(Last four digits of your NPN)

*You will be prompted to change your password on 1st login

Example:

UN: 16762668

PW: NPN2668

MedicareCenter.com

Join us every Tuesday and Thursday for a live webinar demonstration of this online enrollment tool! If you have any questions or would like to set up a one-on-one training please contact your Cornerstone Senior Marketing sales representative.

Click here to register.

You can also join via:

iPhone one-tap (US Toll): +1(773)2319226, 1484664738#

Or Telephone: +1 (773) 231 9226 (US Toll)

CSI Life Has Announced Huge Rate Reductions Effective October 1

Attention all CSI Life agents in Indiana, Ohio and Pennsylvania: The company that has delivered one of the most stable rate structures in the industry, CSI Life, has announced huge rate reductions effective October 1. These game-changing rates are as strong as steel and primed for an incredible AEP. Below is an example of the rate reductions at age 67 for both Plan G and Plan N:

BUT IT GETS EVEN BETTER

In case you missed it, CSI Life has a revamped commission structure. Rather than the previous flat-fee commission structure, CSI Life has moved to the percentage-based model that you are accustomed to with most carriers. Check your new contract or contact your Cornerstone Senior Marketing sales rep to see what your new commission level is at.

DON’T STOP THERE THOUGH

Kick off your AEP selling season with these revamped rates and earn yourself a serious raise this fourth quarter.

Issue 20 or more Medicare Supplement cases with CSI Life between 10/1 and 12/31 and receive $2,500 on top of your current commissions.

Issue 40 or more CSI Life Medicare Supplement cases between 10/1 and 12/31 and receive $5,000 on top of your already industry leading commissions.

So place your business this AEP with the carrier that keeps clients for life—CSI Life. Begin writing an e-application today by logging on to CSIeapp.com.

Click here to view and download new rates.

Click here to view and download Q4 incentive.