Taxing Employer-Funded Health Insurance Would be a Disaster

Newsweek recently released an article written by Janet Trautwein of NAHU that outlines the intent of legislators and policymakers to end the “employer exclusion,” which exempts employer-sponsored health benefits from income and payroll taxes. The article uncovers the detriment of that decision and its effect on rising healthcare costs and employer-sponsored benefits.

Click here to view the article.


Of note, Cornerstone is now part of the NAHU advisory board for Medicare.

Cornerstone & Aetna’s 2018 Product Rollout Meetings | Cincinnati, Columbus, Dayton, Toledo

Aetna 2018 Medicare Rollout Meetings

Please attend Cornerstone and Aetna’s Medicare 2018 rollout sessions. Take advantage of these in-person meetings to learn the plan benefits of what Aetna is introducing for 2018!

RSVP to ONE of the meetings below.

*please include your name, location, and time of the training you would like to attend*

Click here to RSVP.

Cincinnati — 8/17

10:00 am–12:00 pm

Cornerstone Media Center

2101 Florence Ave. | Cincinnati, OH 45206


Columbus — 9/6

10:00 am–12:00 pm

2:00 pm–4:00 pm (as needed for any overflow)

Aetna Columbus Office

7400 W. Campus Rd. | New Albany, OH 43054


Dayton — 8/31

1:00 pm– 3:00 pm

The Golf Club at Yankee Trace

10000 Yankee St. | Centerville, OH 45458


Toledo — 8/29

Market-Specific Training

10:00 am–12:00 pm

Holiday Inn French Quarter

10630 Fremont Pike | Perrysburg, OH 43551

SilverScript’s First Look at 2018 Plan Benefits


SilverScript’s 2018 plan benefits are now available! Click below to get a first look at their plan details.

Please include your name, email address, and the state(s) you are requesting.

Not appointed with SilverScript? Contact your Cornerstone representative today to get started!

Reporting Fraud, Waste, and Abuse

Cornerstone employees and broker partners are required to report suspected Fraud, Waste and Abuse. You can report Fraud, Waste and Abuse to Cornerstone’s Compliance Officer (Danny Bradford) at 513-629-9320 or email Additionally, you can report suspected Fraud, Waste or Abuse anonymously via the following Plan Sponsor hotlines:

Aetna: 1-860-273-3586

MMO: 1-800-762-8130

UnitedHealthcare: 1-877-401-9430

Humana: 1-800-614-4126

Paramount: 1-800-462-3589

Premier: 1-888-271-2688

Anthem: 1-800-203-3738

Cornerstone & Medical Mutual of Ohio’s 2018 MAPD Roadshow Training Sessions

MMO MAPD 2018 Rollout Roadshow Training Sessions

Join Cornerstone and MMO’s deep dive sessions into their 2018 MAPD products with $0 benefit options that meet the needs of Ohioans in 80 of the 88 counties in Ohio!

See below what else their plans will offer in 2018:

Medical Mutual

  1. HMO plan added and offered in 80 counties!
  2. University Hospital addition to network
  3. Dental & Vision benefits included
  4. MOOP as low as $3,400
  5. Less than $200 Rx deductibles
  6. Generic Rx Copays:
    Tier 1- $5 and below
    Tier 2- $20 and below

RSVP to ONE of the meetings below.

*please include your name and the location of the training you would like to attend*

Click here to RSVP.

September 14, 2017


9:00 am–11:00 am

Cornerstone Media Center

2101 Florence Ave. | Cincinnati, OH 45206


2:00 pm–4:00 pm

The Golf Club at Yankee Trace

10000 Yankee St.

Centerville, OH 45458


September 18, 2017


9:00 am–11:00 am

Holiday Inn French Quarter

10630 Fremont Pike | Perrysburg, OH 43551


1:00 pm–3:00 pm

Howard Johnson Inn

1920 Roschman Ave. | Lima, OH 45804


September 19, 2017


9:00 am–11:00 am

Wedgewood Golf & Country Club

9600 Wedgewood Blvd. | Powell, OH 43065


9:00 am–11:00 am

Holiday Inn

6001 Rockside Rd. | Independence, OH 44131


1:00 pm–3:00 pm

Holiday Inn

7410 South Ave. | Youngstown, OH 44512

LIVE EVENT: Toledo 2018 Product Rollout Meetings

Toledo 2018 Product Rollout Meetings

Don’t miss these informative training sessions with Cornerstone!

Please RSVP to any of the following training sessions.

To RSVP, click here.

(please include your name and the meeting you would like to attend)


2018 AETNA Market Specific Training for OH/KY

Tuesday August 29, 2017 | 10:00 am–12:00 pm

Holiday Inn French Quarter

10630 Fremont Pike | Perrysburg, OH 43551


HUMANA 2018 MAPD First Look Rollout Meeting

Tuesday August 29, 2017 | 2:00 pm–4:00 pm

The Regus

1715 Indian Wood Circle | Maumee, OH 43537

Limited space is available for this training!

Not appointed with Aetna or Humana? Contact Cornerstone today to get started!


Allwell Certification Is Now Available

Get contracted and certified today with Cornerstone’s newest Medicare Advantage and DSNP carrier!

Click here to start your appointment process with Allwell.

Click here to begin your certification with Allwell.

Why you need to consider adding Allwell
to your carrier portfolio:

  • In the Cincinnati Metro area, Allwell will have all four hospital systems in network: University of Cincinnati, Tri-Health, Mercy Health, and Christ Hospital
  • Comprehensive dental— $1,000 every year
  • Hearing aid allowance— $1,500 every year (1 hearing aid)
  • OTC benefit of $70 per quarter
  • Silver and Fit Gym membership included
  • $0 premium HMO!
  • $0 PCP copay!
  • Brokers can make an additional $50 in commission when their clients complete a Health Risk Assessment
  • Commissions paid weekly!
  • Allwell/Centene is a Fortune 120 company
  • #4 on Fortune’s fastest up and coming companies list

To review Allwell’s benefit information, click here.
For the state of Ohio, please reference pages 36–40.

Medicare Part D Prescription Drug Plan Projected to Decline in 2018

The Centers for Medicare & Medicaid Services (CMS) recently announced that the average basic premium for a Medicare Part D prescription drug plan is projected to decline to an estimated $33.50 per month in 2018. This projection is based on bids submitted by drug plans for basic drug coverage for the 2018 benefit year and calculated by the independent CMS Office of the Actuary.

This decline comes despite that spending for the Part D program continues to increase faster than spending for other parts of Medicare, largely driven by spending on high-cost specialty drugs.

Click here for additional information.



Medicare Issues Projected Drug Premiums for 2018

The Health Plan 2018 Medicare Products Agent Kick-Off Meeting

Join The Health Plan for a look at their 2018 Medicare products, as well as the new agent online ordering system and Agent Guide.

New for 2018

  • Dental is now included with all MA plans
  • New Agent Guide
  • New Agent Online Supply Ordering

Itinerary for Kick-Off Meeting

9:30 am: Registration

10:00 am: 2018 Medicare Products Review

Noon: Lunch

1:00 pm to 2:00 pm: Open House

DATE: August 11, 2017

TIME: 9:30 am – 2:00 pm

LOCATION: 5251 Landmark Blvd.

North Canton, OH 44720

To RSVP, click here

Not appointed with The Health Plan? Contact us today to get started!


Submitting Medicare Applications to Cornerstone

Due to CMS and carrier requirements, Cornerstone will no longer be able to submit Medicare Supplement, Medicare Advantage or PDP applications on the behalf of our agents. EFFECTIVE IMMEDIATELY, ALL ENROLLMENT APPLICATIONS MUST BE SUBMITTED DIRECTLY TO THE CARRIER BY THE AGENT. You are welcome to continue to send a copy of the submitted enrollment form to Cornerstone for tracking purposes if you would like to do so.

The allowable methods for submitting enrollments are listed below. If you have any questions, please contact your Medicare service specialist.


Electronic (PREFERRED)

Most carriers provide some form of electronic enrollment, via desktop computer, lap top, or iPAD App. This is the carrier’s and Cornerstone’s preferred method for submission.

Advantages to using electronic enrollments include:

  • Protection from CMS 48-hour violations
  • Faster turnaround times on application processing
  • Commissions pay faster
  • Virtually impossible to submit an incomplete application
  • Access to your client’s information electronically through an app/enrollment queue
  • Some carriers provide the ability to print a copy of the application
  • The iPad library stores and organizes enrollment materials (SOBs, formularies, directories, etc.) so there’s no need to order paper supplies anymore

Faxing Directly to the Carrier

Listed below are all of the carrier’s direct fax numbers.  Important things to remember if you are faxing your enrollments:

  • Fax ONE application at a time
  • Keep a copy of your fax confirmation with each application – you will need this if the application is lost or not received by the carrier

Click here for a list of the carrier’s fax numbers.


Thank you for your understanding and cooperation. If you have any questions, please let us know!