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.

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.

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.

2018 Medicare Numbers from CMS

CMS recently released the 2018 premiums, deductibles, and coinsurance amounts for the 2018 Medicare Part A and Part B programs. The amounts have not changed, with the Part B deductible remaining at $183 and the Part B premium remaining at $134, but now all beneficiaries will pay the same and the Part A deductible will slightly increase.


Check out the CMS Fact Sheet for more details!

CMS Takes Step Forward in Reducing Cost of Prescription Drugs and Fighting Opioid Crisis

In response to the President’s recent commitment to fighting the opioid epidemic and lowering prescription drug costs for seniors, the Centers for Medicare & Medicaid Services (CMS) issued a proposal intended to give Part D Medicare enrollees more affordable access to and coverage for prescription drugs. The intent is to provide flexibility to switch to lower-cost, non-brand-name prescription drugs and pass savings on to Medicare beneficiaries.


For more information from CMS, click here.

Medical Mutual Releases New Commission Schedule

MMO has released their new commission schedule for their 2018 Medicare Supplement Market. Their new Medicare Supplement commission schedule will stack up very competitively in the marketplace. This schedule will reward you by paying a premium commission based on your volume of sales throughout the year. Once you hit the next tier level, MMO will pay you at the higher rate retroactively within the calendar year. Renewal commission will be based on the first year tier level.

Commission rates for brokers/agencies having at least 10,000 Medicare Supplement contracts in their book of business on January 1, 2018, are as follows for new Medicare Supplement accounts having an effective date of January 1, 2018, and thereafter.

  • First Year: 16%
  • Years 2 through 10: 8%
Number of First Year Sales Commission Tier Level Commission Rate: First Year Commission Rate: Years 2 through 6
1-24 contracts 1 18% 12%
25-49 contracts 2 22% 15%
50 or more contracts 3 26% 18%


Contact your Cornerstone sales representative with any questions you may have about the above schedule.

Anthem Adds Hospital to MA Network

Jewish Hospital in Cincinnati is now in-network for the Anthem Medicare Advantage plans.

Brokers can search for doctors at

ATTENTION OHIO BROKERS: Anthem’s Medicare Supplement Bonus Program for 2018!

Great News for Brokers in Ohio!

The more you sell, the more you earn with Anthem’s Medicare Supplement Sales Bonus Program!

Now YOU have a new opportunity to earn even more on EVERY Medicare Supplement Plan you SELL!

New, short-term incentives have just been announced for brokers who sell Anthem’s Medicare Supplement plans! Don’t miss out on this limited time opportunity to earn more when you sell Anthem Blue Cross and Blue Shield Medicare Supplement plans with 1/1/2018 effective dates!*


How Does it Work? 

  • If you sell 3 approved Medicare Supplement policies you’ll receive an additional $100 bonus per sale!
  • But if you sell 5 or more approved Medicare Supplement policies you’ll receive an additional $150 bonus per sale!

EXAMPLE:  If you sell 3 Medicare Supplement policy in a month with a qualifying effective date of 1/1/2018 you’ll earn a $300 bonus (3× $100)! But if you sell 5 plan policies, you’ll earn $750 (5× $150)!


Program Rules:

  • All per sale bonus amounts are in addition to the standard broker compensation.


Your current and prospective clients can benefit from these money-saving options on every Anthem plan:

  • A 5% discount on each policy if there is more than one Medicare Supplement policy written in a household with a coverage date of June 1,2010 or after.
  • Receive $2 off their monthly premium simply by enrolling in automatic electronic premium payments—a savings of $24 annually. Save $48 by paying their premium for the entire year.
  • There’s even greater savings for your clients when you help them combine discounts (based on eligibility).


While your clients are saving money, they can also stay healthy by taking advantage of the SilverSneakers Fitness Program, which offers eligible Modernized Anthem Medicare Supplement members a Basic Membership with access to over 13,000 locations nationwide—at no extra cost!**

So don’t wait!  It’s time to take advantage of this limited time opportunity to make more money selling Anthem Blue Cross and Blue Shield Medicare Supplement Plans!


Questions? Contact your Cornerstone representative today.

* Incentive is limited to new enrollees only-and based upon approval of the policy. All incentives will be paid within ninety days of the end of the bonus period. Anthem reserves the right to make all rules and determinations regarding the bonus program, and may modify or eliminate the program at any time without notice.  For more detailed information on the bonus program, please contact your Regional Sales Manager.

**SilverSneakers is a value-added program. It is not insurance and not part of the Medicare Supplement insurance plans. It can be changed or withdrawn at any time.