SAVE THE DATE: Cornerstone’s 2019 Senior Roadshow!

Cornerstone’s Senior Marketing team is back in 2018 with another four-location carrier product roll-out roadshow. We’re coming to you this year with in-depth looks into 2019 products and opportunities to meet with carrier and Cornerstone representatives one on one.

Click below to register to any of the four available locations.

We hope to see you there!


August 20, 2018 | Cincinnati

Embassy Suites

4554 Lake Forest Drive

Blue Ash, OH 45242

August 21, 2018 | Toledo

Hilton Garden

6165 Levis Commons Blvd

Perrysburg, OH 43551

August 22, 2018 | Cleveland

Embassy Suites

5800 Rockside Woods Blvd N

Independence, OH 44131

August 23, 2018 | Columbus

Hilton Polaris

8700 Lyra Dr.

Columbus, OH 43240

 

SAVE THE DATE: CE Opportunity Available in Northwest Ohio

Cornerstone’s Toledo and Lima offices are hosting CE days for Cornerstone agents on May 22nd and May 23rd. 4 CEs available!

The schedule below is the same for May 22nd and May 23rd.


May 22, 2018 | 8:30 am–3:00 pm

Toledo

5555 Airport Highway, Suite 142

Toledo, OH 43615

 

May 23, 2018 | 8:30 am–3:00 pm

Lima

3745 Shawnee Road, Suite 104

Lima, Oh 45806

 

Click here to RSVP

LIVE TRAINING: Learn How to Grow Your Business with Cornerstone and UnitedHealthcare

Learn how to build your business with this can’t-miss seminar presented by Cornerstone and UnitedHealthcare!

Mark your calendar for Cornerstone’s interactive training seminar with UnitedHealthcare on ways to market and build your business! You won’t want to miss this…

During this session you will learn and identify existing/new centers of influence to generate new referrals and grow your book of business.

Other topics to be discussed:

  • Creating an action plan to engage centers of influence and learn what resources with UHC are available to you
  • Learn and compare what is working with other agents
  • Schedule 1-on-1 follow ups so your agent manager can help you succeed
  • Sign up for upcoming trainings and workshops focused on your business

 


DATE: Wednesday, April 18

TIME: 9:00 am–11:00 am

LOCATION: Cornerstone Cincinnati Office – Media Center

2101 Florence Ave. | Cincinnati, OH 45206

Register

 

Not contracted with UHC? Contact your Cornerstone representative to get started!

NW Ohio Health Underwriters Annual Products Fair

On April 11, 2018, NW Ohio Health Underwriters is hosting their annual Products Fair with 4 CEs.

Click here to register.

(Register by Friday, April 6, 2018)

 

Wednesday, April 11, 2018

St. Lukes Hospital | Auditorium A & B

5901 Monclova Rd.

Maumee, OH 43537

 

NWOAHU Members: $35.00

Non-Members: $70.00

 

Cost to attend includes continental breakfast, lunch and CE’s.

Advanced registration is required.

 

Click here for more information.

SAVE THE DATE: CE Opportunity Available in Dayton, OH

Join Cornerstone and Principal’s Michael Broderick for a CE class in Dayton, Ohio, discussing provisional basic and long-term disability design consideration for unique groups.

May 1, 2018 | 10:00 am–12:00 pm

Yankee Trace

10000 Yankee Street

Centerville, OH 45458

Click here to register.

 

Contact your Cornerstone representative with any questions!

Learn More About the Anthem Cornerstone Vision Plan!

Open Enrollment Announcement

March 26, 2018, through April 30, 2018

Great news! We have once again secured a rate hold on the Anthem Cornerstone Vision Plan with the rates now expiring on 03/31/2021. Any group currently enrolled with Anthem Cornerstone Vision Plan Group #172197 is approaching the open enrollment period. Any enrollees added between March 26, 2018, and April 30, 2018, will become effective on the vision plan April 1, 2018.

 

How to enroll employees on to the vision plan:

1. Employer Access Website

  • Online Employer Access is available to add, change, or delete employees—please see attached flyer for set up instructions.
  • When adding enrollees online please select the correct vision plan. See attached vision rate sheet to confirm the vision plan.

2. Fax Application to 1-513-629-9151

**Make sure to include the group number and the 4-digit sub group number (Ex: 172197-0087)

 

Customizable Benefit and Pricing Summary

Introducing Cornerstone’s Newest Med Supp Carrier: GPM Health & Life

Cornerstone is pleased to announce our newest Medicare Supplement partnership, GMP Health & Life! GPM was founded in 1934 and initially focused on serving military personnel. They added Medicare Supplements to their portfolio in 2010. The product is reinsured and administered by Mutual of Omaha.

GPM Health & Life Highlights:

  • Plans A, C, D, F, G, and N
  • History of single-digit rate increases (GPM Life)
  • 7% Household Discount
  • Brokers are eligible for a FREE 5,000-piece postcard mailer every 6 months (postage not included)
  • Competitive commissions (lifetime renewals in some states—not available in Ohio or Indiana)
  • All agent state licensing fees are paid by GPM
  • A simple online application process
  • First carrier to offer reduced rate Plan G

Contact your senior service representative to get contracted today!

 

RATE COMPARISON:

ZIP CODES 430-435, 437-439, 446-449, 455-458
  PLAN G PLAN N
  FEMALE MALE FEMALE MALE
AGE 65 99.56 114.50 84.39 97.05
AGE 68 101.52 116.75 86.27 99.20
AGE 70 109.82 126.29 93.32 107.31
AGE 75 131.44 151.16 111.68 128.44

 

ZIP CODES 450-454, 459
  PLAN G PLAN N
  FEMALE MALE FEMALE MALE
AGE 65 109.52 125.95 92.83 106.75
AGE 68 111.67 128.43 94.90 109.12
AGE 70 120.80 138.92 102.65 118.04
AGE 75 144.58 166.28 122.85 141.28

 

ZIP CODES 436, 440-445
  PLAN G PLAN N
  FEMALE MALE FEMALE MALE
AGE 65 114.50 131.68 97.05 111.61
AGE 68 116.75 134.27 99.21 114.08
AGE 70 126.29 145.23 107.31 123.40
AGE 75 151.16 173.84 128.43 147.70

 

Attend Cornerstone’s Lunch ‘n Learn with UCT in Cincinnati!

Cornerstone and United Commercial Travelers of America (UCT) will be hosting a Lunch ‘n Learn event to discuss UCT’s NewGeneration Dental, Vision, and Hearing Insurance.

The NewGeneration plan is designed to help meet costs from reduced health benefits, complete loss of benefits, or price increases.

DATE: Wednesday, April 4

TIME: 11:00 am–1:00 pm

LOCATION: Cornerstone Cincinnati Office | Media Center

2101 Florence Avenue | Cincinnati, OH 45206

REGISTER

*Lunch will be provided for attendees

Plan Highlights:

A UCT Dental, Vision, and Hearing Policy could cover a pair of digital hearing aids for as low as $200 out-of-pocket.

    • Choose your own dentist or doctor—NO NETWORKS!
    • Deductible choices—$0 or $100 annually
    • Benefit choices: $1,000, $1,500, $2,000, or $2,500 every year
    • Offer a household discount
    • Ages 0–75 are eligible
    • Children’s policies are available
    • Simple application and fast to issue

Are You Ahead of the Small Group Game?

Jennifer Agnello

Jennifer Agnello | President

More than ever, health insurance legislation has limited choices and flexibility when it comes to coverage offerings. What was seen as complicated ten years ago, seems simple today. If you are at all involved in the sales and/or service of small group insurance products, you have likely encountered MEWAs or been asked to advise on the pros and cons of such an arrangement.

Multiple Employer Welfare Arrangement, otherwise known as MEWA, is defined by ERISA as “an employee welfare benefit plan, or any other arrangement which is established or maintained for the purpose of offering or providing medical, surgical, or hospital care or benefits, or benefits in the event of sickness, accident, disability, death or unemployment, or vacation benefits, apprenticeship or other training programs, or day care centers, scholarship funds, or prepaid legal services to the employees of two or more employers (including one or more self-employed individuals), or to their beneficiaries.”

Historically, MEWAs were made up of related industry groups, associations, etc. and may now include chamber associations. Small employers combine to share in the overall claims risk of the established trust. For these small employers, grouping together may provide a means of purchasing employee health coverage that takes advantage of economies of scale. A group of small employers may be able to negotiate lower premiums and better coverage than what a small employer can negotiate on its own with today’s limited plan offerings.

Some highlights of a MEWA:

  • MEWAs are governed by trustees and by-laws.
    The board of trustees is responsible for oversight of the plan and compliance with all applicable Federal and State law.
  • Ohio’s Department of Insurance regularly monitors financial controls, pricing, reserve funding, plan compliance and governance and issues a Certificate of Authority to approved MEWAs.
  • MEWAs can be fully insured or self-funded. Self-funded MEWAs are more common, heavily regulated, and must maintain stop-loss insurance, which offers protection from large financial losses.
  • Claims administration and service agreements are routinely handled by an established insurer who may also provide network arrangements and services.
  • MEWAs are generally considered a single large ASO employer, which enables unrelated employers to participate in a single plan giving the trust “group purchasing power” for such ASO arrangements and stop-loss coverage.
  • This larger pool of business enables more stable renewal increases. Similarly to most self-funded programs, well-run MEWAs tend to perform below health care trends year over year.
  • MEWAs fall outside the community rating requirements of ACA and risk is medically underwritten, which enables employers to take advantage of preferred health factors.
  • Some MEWAs offer a composite rating.
  • Membership fees vary based on the relationship the MEWA has with a chamber, association or other entity. MEWA groups likely encounter additional employer and/or member level advantages of belonging to the MEWA, such as discounts on other services, etc.
  • MEWAs share a common renewal date and based on filings, may allow one life groups/sole proprietors to participate as long as they are set up according to guidelines established. Those that accept that segment size may not exceed more than 10 percent of their total risk from that “1 life” sector.
  • Considering the volatility in the individual health market, however, this option may prove especially beneficial for these sole proprietors.

This alternative self-funded solution may be a good fit for your small group clients. Cornerstone offers several MEWA options for your small groups. Call us today to see if you and/or your clients may be eligible.