National General New Quoting System Live June 1

National General will roll out their new quoting and enrollment system on June 1st, along with 6/1 rate changes. ALL agents will be re-directed to CoverageBuilder ( if they try to go to the current quoting and enrollment system.

Please note:

The LAST DAY to write 6/1 effective dates on STM with current plan designs is May 30th (TODAY!)

Plan Enhancer will now be on National Health Insurance Company paper with new riders and lower rates in some states WILL REPLACE effective May 31st.

Agents looking to check out the Verification/Attestation system can contact Geoff Beglen ( for log-in credentials.

Click here for the user guide.

If you have any questions, or if you would like to get appointed with National General, contact Geoff Beglen at

About Cornerstone

Cornerstone Broker Insurance Services Agency, Inc. is a full-service FMO with seven regional offices that support 6,000 brokers throughout Ohio, Kentucky, Indiana, and Michigan. With more than 30 years experience, Cornerstone offers brokers complete benefit and marketing solutions focused on Medicare.

For more information, visit us at

Reminder About MMO Medicare Supplement Applications

Medical MutualEffective immediately, please send MMO Medicare supplement applications directly to Medical Mutual at Reference the link below for carrier fax numbers and/or emails to submit applications directly to the carriers.

Submitting Applications to Cornerstone

Thank you for your corporation and continued business! If you have any questions or concerns please contact your Cornerstone senior service representative.

Level Up Your Marketing With Cornerstone’s Build Your Brand Webinar Series!

Join us for this biweekly presentation series as the Cornerstone Marketing and Communications team, along with expert guests, take a closer look at today’s marketing solutions. We’ll focus on how you can learn to implement the right marketing strategy to BUILD YOUR BRAND and your client list!

We will be discussing topics covering:

  • Email marketing
  • Digital content marketing
  • Grassroots marketing
  • Brand and identity
  • Social media platforms and strategy
  • and more!

BUILD YOUR BRAND will kick off on May 30 at 1:30 pm EST, with the first webinar of a two-part series that speaks to the value and importance of email marketing and shows you how to implement best practices to yield the highest delivery and open rates for your messages.

Email marketing expert Hank Hoffmeier from iContact will be our guest for the first series and will be offering an iContact discount exclusively for Cornerstone brokers.

Click below to register for the two-part email marketing series.

May 30 | 1:30 pm | Email Marketing 101

June 13 | 1:30 pm | Email Marketing 201

Click here to register.

Contact the Marketing and Communications team to find out how we can help you build your brand.

Marilyn Schultz | 513-487-5380

Jessica Larkin | 513-629-2382

Updates From Anthem: New Member ID Cards and Medical Loss Ratio Information

Medical Loss Ratio Information

As part of the Medical Loss Ratio (MLR) provision of the Affordable Care Act (ACA), health insurers must categorize clients as either individual, small group, or large group. For employer groups, this is determined based on the average number of employees they had in 2017. This includes full-time, part-time and seasonal employees. This MLR provision applies to the amount of premium spent on medical care and quality improvement programs for members covered under fully insured group health care plans.

Anthem is required to send your clients the MLR request for group size. When your clients complete the brief one-question request and return it, they can accurately categorize their business. They will begin collecting this information from fully insured clients this summer and may follow up with an email.

Click here for more information.


New Member ID Cards Coming Soon

Anthem will introduce a streamlined membership ID card beginning in July. They will send employers an email to let them what’s coming for their employees.

Click here for more information.

Cornerstone Senior Marketing Joins with Integrity Marketing Group for Next Phase of Growth

We are excited to announce that the Cornerstone Senior Division has been acquired by The Integrity Marketing Group (“Integrity”). This partnership will provide our valued broker partners access to the best technology, marketing, products, and services available in the industry. By joining Integrity, John Carroll, CEO, will become an owner of Integrity and serve as a managing partner.

The Integrity Marketing Group is a senior marketing company comprised of many industry leaders including Premier Senior Marketing, Neishloss and Fleming, Western Penn Marketing, American Independent Marketing (AIM), Insurance Marketing Group (IMG), AIMC, and now Cornerstone Senior Marketing. Integrity currently holds the number one position nationally with Aetna, Anthem, and UHC Medicare Solutions. Integrity focuses on technology and marketing, serving more than 130,000 agents in 50 states and over 750 million in annualized premium.

Our employees will remain in their respective offices. There will be no changes with the people, processes, or procedures in the way you do business with Cornerstone across all divisions. This partnership has no impact on the group wholesale division and Cornerstone will continue to serve as a full-service organization for all lines of health and ancillary coverage.

We are looking forward to the positive changes that this partnership will provide.

For additional information regarding Integrity Marketing Group, please visit



John F. Carroll, CEO


See below for a special message from John Carroll and Co-Founder and CEO of Integrity Bryan Adams.

CLEVELAND BROKERS: Afternoon Session Added on May 31!

Due to high demand, the “Medicaid Today: Program Updates” will be adding an afternoon time the same day: May 31 from 1:30 pm–3:30 pm.

The morning session is now closed. Please register for the afternoon session below.

Join Cornerstone in the Cleveland area for our May broker in-person trainings including Humana’s DSNP boot camp class and Medicaid updates from the Department of Health and Human Services.

Humana Marketpoint’s DSNP Boot Camp Broker Training

DATE: Wednesday, May 23

TIME: 10:00 am–12:00 pm

LOCATION: Hilton Garden Inn—Twinsburg

8971 Wilcox Drive | Twinsburg, OH 44087


Learn how to serve this unique population and capture more clients throughout the year!

  • Marketing to D-SNP eligibles
  • Product information
  • Marketing tools
  • Enrollment details

Department of Health and Human Services’ with Cuyahoga Job and Family Services: “Medicaid Today: Program Updates”

DATE: Thursday, May 31

TIME: 1:30 pm–3:30 pm

LOCATION: Cornerstone Cleveland Office

4500 Rockside Road, Suite 330 | Independence, OH 44131


Join the discussion regarding the 2018 Medicaid program and receive valuable information to assist your clients!

Anne Konarski, Program Officer, will present on the following topics:

  • 2018 Medicaid program benefits
  • Understanding Medicaid eligibility
  • The Medicaid program process
  • New JFS customer service innovations


Please indicate which training date(s) you are planning to attend in your email

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 Tim Shook at 513-629-9505 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

SAVE THE DATES: Register Today for Cornerstone’s Cleveland Trainings

Please plan to attend Cornerstone’s in-person carrier specific trainings in our Cleveland office! We will have carrier representatives present material from Allwell and UnitedHealthcare Medicare Solutions.


Allwell Product Training

DATE: Wednesday, June 6

TIME: 10:00 am–12:00 pm

LOCATION: Cornerstone Cleveland Office

4500 Rockside Road Suite 330 Independence, OH 44131


Learn about Allwell’s MA, DSNP products and everything they have to offer your clients!

Topics include:

  • How to market Allwell plans
  • Value-Based Enrollment (VBE) Information
  • Marketing and online tools to utilize


UnitedHealthcare Product Training

DATE: Tuesday, June 26

TIME: 10:00 am–12:00 pm

LOCATION: Cornerstone Cleveland Office

4500 Rockside Road Suite 330 Independence, OH 44131


Join the discussion regarding UHC’s products and start preparing for the AEP season!

Training includes:

  • Product information
  • Market updates
  • Certifications


Click here to register.

Please indicate which training date you are planning to attend in your email

Carrier Spotlight: Medical Mutual of Ohio

Cornerstone is very proud to partner with Medical Mutual of Ohio. Contact your Cornerstone representative today to get contracted!


At Medical Mutual, we treat every one of our customers like neighbors.

Medical Mutual of Ohio is a mutual health insurance company, serving more than 1.5 million members. Employing 2,500 people, Medical Mutual is one of the biggest employers in downtown Cleveland. Headquartered in Cleveland’s historic Rose Building, Medical Mutual also has statewide offices in Cincinnati, Columbus, Copley, Strongsville, and Toledo, as well as an information systems facility in Beachwood.

Medical Mutual is committed to improving the lives of Ohioans by offering high-quality health care coverage.

Medical Mutual is the “Official Health Insurer” of a variety of organizations. Medical Mutual insures numerous professional sports teams, including the Cleveland Cavaliers, Cleveland Indians, and Cincinnati Bengals. Besides professional teams, the company is also the official insurer of numerous colleges and universities and local organizations, like the Rock and Roll Hall of Fame and Museum.

Being Mutual Makes a Difference: Our status as a mutual company sets us apart from our competition. This means we don’t have stockholders, answer to Wall Street analysts or pay dividends to investors. Our focus is on developing products and services that help our members live healthier lives.

A Focus on Ohio Communities: Ohio has been our home since 1934. Our more than 2,000 employees live and work in this state and we love all of the unique and wonderful communities we serve. That’s why we’re committed to working closely with numerous civic, educational and cultural organizations to help promote and support a variety of social causes. We donate our time, talents and resources to help make a positive and lasting impact where we can.

Plans and Services that Meet the Needs of Our Members: We know that different people and different organizations have different needs. That’s why we offer an array of health insurance plans, wellness programs, and care management programs for individuals, families, retirees, and businesses of every size. We may even be able to customize a benefit plan to fit specific needs. We accurately process claims within 30 days of submission, plus, to help group officials better understand how health benefit expenses affect the bottom line, we provide data management and reporting.

Exceptional Customer Service: At Medical Mutual, we treat every one of our customers like neighbors. When you call Medical Mutual, you speak directly to local Customer Case specialists dedicated to meeting your needs. Our customer service standards meet or exceed NCQA requirements and nearly 95 percent of calls are resolved during the initial contact. We also process thousands of claims each day, with 99 percent accuracy.

Mutual Appreciation: If our customers are willing to put their trust in us, we should put our trust in them. That’s why we make every effort to patronize our business customers when we can. We even created a customer engagement and employee incentive program called Mutual Appreciation that makes it easy and rewarding for our employees to frequent our business customers. It’s something our national competitors are unable to do. And it’s just one way we show our support beyond providing high-quality health insurance. Learn more by visiting

Anthem BCBS Medicare Sales Important Reminder: Helping Your Clients Find In-Network Providers

When selling a plan that uses network providers, make sure you explain to your clients that providers may join or leave the network at ANY time – without notice to the members. Before they seek care, it’s a good idea to contact the provider’s office directly to make sure they accept the specific plan your client chooses. And make sure they are in-network for that plan at that location. Some providers with multiple offices may only accept certain networks at some of their locations.

To help your clients locate in-network providers:

  • Agents must use the Find a Doctor tool located on the Shop Medicare plans website listed below. The website is updated weekly: ABCBS Medicare Shop
  • When searching for in-network providers, it would be helpful to select a specific plan first, and then select the other search criteria to narrow your results list down.
  • Ensure to use the ‘Advance Search’ option, or use as many filters as possible when searching for specific in-network providers, hospitals and specialists. Some doctors and facilities are in-network for some locations and out-of-network at other locations.
  • Enter the PCP ID # in the Find a Doctor tool to confirm the specific provider at that specific office participates in the selected plan.
  • Once you select a PCP in the Find a Doctor tool, click on the ‘Details Link’ to find a list of all hospitals for which the physician is associated.

Remember that HMO plan members should coordinate their care with their primary doctor before seeing other providers. HMO members who use non-network providers in non-emergency situations will pay for the full cost of their care. Encourage your clients to contact Customer Service at the number on their ID cards if they have any questions you can’t answer for them.

Contact your Cornerstone senior service representative for more information