Medical Mutual Changes How Commissions Are Accessed

Effective April 16, 2018, Medical Mutual commission statements will be accessible only through MyBrokerLink and will no longer require a separate registration or log-in. The first commission statements available on MyBrokerLink will be for the March 2018 commission payment.

Click here to learn more.

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


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



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

Medicare Premiums: 2018 Threshold Changes for Higher-Income Beneficiaries

2018 ushers in new (lower) thresholds for higher income beneficiaries. Lower is not a good thing. Persons and couples falling into the third, fourth, and fifth thresholds will be affected and pay higher Part B and D premiums. For example, a couple filing jointly whose adjusted gross income (AGI) in 2015 was between $214,000 and $320,000 paid Part B premiums of $267.90 each and an extra $34.20 each on Part D premiums in 2017.

In 2018, a couple filing jointly whose adjusted gross income (AGI) in 2016 was between $214,000 and $267,000 (lowered by $53,000) will pay Part B premiums of $267.90 each and an extra $33.60 each on Part D premiums in 2018. Persons filing as individuals are likewise affected in the upper three thresholds.

And don’t think you can avoid the issue by “married filing separately”. There are only two thresholds for married filing separately. If the 2016 AGI is $85,000 or less you pay the standard rates (B=$134 D= your standard premium). If the 2016 AGI is above $85,000 you pay $428.60 for Part B and an extra $74.80 above your plan premium for Part D.

That said, don’t forget these increased premiums for 2018 can be appealed and lowered for a “Life Changing Event” the most common of which is Loss of Earnings. If high earnings from 2016 are no longer available (somebody retired from their job or self-employment), Social Security will lower the 2018 premiums based on your estimate of the 2018 AGI. Other Life Changing Events are death of a spouse, divorce, marriage, loss of income-producing property, reduction/loss of pension, and employer settlement.

Please see the guide to Medicare premiums for higher income beneficiaries at for the all the premium changes in 2018 or you can email me for a copy of the new rates.


About Dennis Heywood

Denny’s career with Social Security provides an in-depth, working knowledge of the Social Security Administration’s internal organization and processes. An expert in all phases of SSA programs: retirement, survivor, disability, and Medicare, Denny has expertise with the complex Social Security regulations based on more than 40 years experience.

Seniors Being Targeted in New Medicare Scam

According to Butler County prosecutor Mike Gmoser, April has been designated as Prosecutor’s Senior Awareness Month.

New Medicare cards will be issued beginning April of 2018 and will no longer include the recipient’s Social Security number. Gmoser warns those with Medicare ID cards to watch out for phone calls asking them to verify their old number, which is their Social Security number. Scammers are also likely to ask for money so they can expedite the transfer of the new card so it doesn’t interrupt health care needs.

Gmoser said the new Medicare cards will always come by mail, and you will never get a call from Medicare or Social Security regarding your new number.

Click here to learn about other scams that may put you or a loved one in danger.



Look out for new Medicare scam targeting seniors

Humana Updates to 2018 Producer Partnership Plan

Humana has made updates to the 2018 Producer Partnership Plan (PPP) for Individual Medicare, Medicare Supplement, Dental, and Vision products. These updates include changes to the Medicare Supplement Commission Schedule, which will be effective beginning May 1, 2018.

Click here to view 2019 PPP.

Below is an overview of the changes to the Medicare Supplement Commission Schedules:
  • A new Medicare Supplement Commission Schedule has been added for policies with effective dates on or after May 1, 2018 (pages 21–28).
  • This updated version of the PPP contains two Medicare Supplement Commission Schedules:
    • For policies with effective dates between January 1, 2018, and April 30, 2018.
    • For policies with effective dates on or after May 1, 2018.
  • New schedules for policies with effective dates on or after May 1, 2018, are outlined by age bracket (under 65, 65-80, 81+), state, and compensation year.
  • First Year commissions will be paid annually for policies with effective dates on or after May 1, 2018.
  • Renewal commissions will continue to be paid monthly.



Announcement of Updates to the 2018 Humana Producer Partnership Plan

BIG NEWS! Lifetime Renewals on UnitedHealthcare AARP Medicare Supplements Starting May 1


Great news for agents authorized to offer AARP Medicare Supplement insurance plans in Arizona, Florida, Georgia, Maryland, Michigan, Minnesota, North Carolina, New Hampshire, New Jersey, Nevada, Ohio, Oklahoma, Utah, and Virginia! You will now earn lifetime renewals on applications with an effective date of May 1, 2018, and later. (Note: For the states listed, except Florida, applicants must be age 65 or older and eligible for Medicare supplement open enrollment, or underwritten.)

Renewals will be paid as long as the member stays with an AARP Medicare Supplement Plan and continues to pay the premium, provided the agent remains in good standing.

Review the amended UnitedHealthcare agreement below:

External Distribution Channel


Please note: No action is required – changes will take effect automatically.


Please contact your Cornerstone Senior representative for more information

New SEP Opportunity in Dayton, Ohio

Premier Hospital System in Dayton, Ohio is closing its MAPD plan effective April 1. CMS has granted these members a Special Enrollment Period effective now through May 31, 2018. During the SEP, affected members can enroll in any new Medicare Advantage plan available in their area. If they don’t join another Medicare plan, they’ll have Original Medicare and prescription drug coverage starting April 1, 2018.

Aetna Senior Supplemental Insurance Med Supps Are Not Taking Rate Increase This Year

Aetna Senior Supplemental Insurance Medicare Supplements are not taking a rate increase in OH, MI, PA, and NJ this ENTIRE year. What an opportunity to market in these areas!!

There are 5% higher commissions on Plan N in AL, GA, ID, IN, KS, KY, MI, MD, MT, NC, NE, NJ, OH, PA, SC, VA and WV

Check out to download the new Producer Guide, New Plan N rates, and Drug guide.


Click here for more information.

Anthem’s MA Network Now Includes District Hospital

Effective April 15, 2018, Anthem Blue Cross and Blue Shield has added Highland District Hospital to their Anthem Medicare Advantage (HMO and PPO) network.


Contact your Cornerstone representative for additional details.