ATTENTION FORMFIRE USERS: Updated FormFire HIPAA Compliant Business Associate Agreement

Attention FormFire Users: FormFire has sent an email with an updated HIPAA compliant Business Associate Agreement to brokers with a request to electronically sign and return. Due to the sensitive nature of the PHI that we and you handle on behalf of your clients it is important that we comply with the required HIPAA practices.

Please read, sign and return the agreement to FormFire as soon as possible so that there will be no disruption to your FormFire Service as we enter the 4th quarter.

If you have any questions, please direct them to your respective Cornerstone Broker Advisor. Thank you for continued business and support!

Register Today for Aetna’s 2019 Product Trainings!

Exciting News! Join Cornerstone Senior Marketing and Aetna as we provide you with a first look and market-specific trainings at their 2019 MAPD products.

Gear up for AEP by being one of the first to view Aetna’s 2019 lineup with Cornerstone Senior Marketing!

**Please stay tuned for more locations and dates throughout Ohio coming soon

Click here to register.

First Look Locations and Dates

  • 9:00 am–11:00 am Cornerstone Senior Marketing Media Center 2101 Florence Ave. | Cincinnati, OH 45206
  • 1:00 pm–3:00 pm The Golf Club at Yankee Trace 10000 Yankee St. | Centerville, OH 45458

Market-Specific Training Location and Date

  • 10:00 am–12:00 pm Aetna Office 7400 W. Campus Rd. | New Albany, OH 43054

Not contracted with Aetna?

Contact your Cornerstone Senior Marketing Sales representative today!

LIVE! Cleveland Training Event with SSA


Learn about the Social Security program, retirement and dependent benefits and any current updates to better serve your clients.

Presented by: Mr. Brandon P. Smith, Public Affairs Specialist (Social Security Administration)

Date: Wednesday, August 8, 2018

Time: 10:00 am–12:00 pm

Location: Cleveland Office

4500 Rockside Rd Suite 330

Independence, OH 44131

Click here to register!

Find Out Why Brokers Across the Country Are Selling GPM Med Supps

GPMJoin Cornerstone Senior Marketing and GPM Health & Life for an informative webinar on Medicare Supplement plans from GPM! The incredibly popular Med Supp plans from GPM Health & Life offer excellent rates, a generous household discount, and an easy electronic application.

DATE: Wednesday, August 29

TIME: 10:00 am

Click here to register.

Not appointed with GPM Health & Life? Contact your Cornerstone Senior Sales representative today to get started!

Updates on Humana Level-Funded Premium and Bonus Opportunities

Level Funded Premium:

  • Starting August 1st, Level-Funded Premium will only be sold to groups with fewer than 100 eligible employees
  • Humana will automatically complete and submit 1094/1095-B forms on behalf of LFP groups with fewer than 51 eligible employees for 2018
  • Humana will offer LFP down to 5 enrolled in KY and IN for an 8/1 quote date with a 9/1 effective date (already offer in OH)

Humana Bonus Opportunities effective August 1, 2018- January 31, 2019

Get Fit With Aetna Funding Advantage

Beginning October 1, 2018, Aetna Funding Advantage Plans will include access to group fitness classes through Aetna’s relationship with Peerfit. Members will receive monthly credits1 that can be redeemed through Peerfit to enroll in group fitness classes at gyms and fitness studios in the Peerfit network.

Allwell’s 2019 Medicare Product/Certification Training is Now Available!

You are encouraged to complete your certification training by October 1, 2018, so you are able to discuss 2019 benefits the first day of marketing and be ready to sell when 2019 AEP (Annual Election Period) begins.

Follow the Simple Process Below to complete 2019 certification:

Step 1: Complete 2019 AHIP Certification Training

If you have already completed 2019 AHIP Certification training*, you can skip this step. Otherwise…

  • Go to our Training Site ( to access 2019 AHIP Certification training and take advantage of Allwell’s discounted rate.
  • Complete the 2019 AHIP, Fraud Waste & Abuse and Compliance Exam. You must receive a passing score of 90% or better on the test.

*Note: Centene will accept 2019 AHIP certification taken elsewhere.


Step 2: Complete 2019 Allwell Medicare Product/Certification Training

  • From Allwell’s Training Site (, access the 2019 Centene Medicare Advantage Certification Training (Allwell) and review training material for all State(s) in which you plan to sell. Click HERE to view the Training Site guide.
  • Complete the National Certification Exam. You must receive a passing score of 85% or better to successfully meet the training requirement.
  • NEW! Complete the Training Attestation, certifying to all training you have completed.

Important Reminders:


Producers are required to certify/recertify annually to sell 2019 Allwell MA-MAPD plans, and be eligible to receive commissions. Annual certification requirements must be met prior to marketing and/or selling Allwell MA-MAPD plans for a 2019 effective date.

  • Producers who do not intend to sell Allwell MA-MAPD plans for 2019 must still meet all certification requirements noted above prior to 12/31/2018 in order to be eligible to receive renewal commissions.

Certification is paperless – Please do not submit your certification documents to Centene

  • The Medicare Broker Contract department will send you email confirmation within 3-5 business days advising that all training requirements have been completed.
  • You CANNOT conduct Medicare sales presentations nor accept member applications until this confirmation email is received.


Local plan orientation meetings will be scheduled and will enhance your 2019 product training. Please look for future emails on dates, times and locations for these meetings. We strongly encourage you to attend these sessions to get detailed information on:

* Network overview

* Sales support

* Competitive analysis


Finally, be on the lookout for exciting enhancements to Ascend! 

ACA Risk Adjustment Program Restored

The Centers for Medicare & Medicaid Services (CMS) released a rule late Tuesday announcing restoration of the risk-adjustment program, ending the short-lived suspension announced earlier this month. The new rule addresses issuers concerns about insolvency or withdrawal from the markets.

Risk-adjustment payments of $10.4 billion will be released to insurers this fall for the 2017 plan year. The final rule keeps the same methodology for risk-adjustment transfers as previously outlined, using statewide premiums as part of the formula.

Read the final rule here.

NEW! Special National General Bonus Program


Qualifying Period is July 1 thru October 31, 2018

Bonus Contest: Production Volume

Sell: 4 Short Terms and 1 Supplemental Product = $50

Sell: 8 Short Terms and 2 Supplemental Products = $125

Sell: 16 Short Terms and 4 Supplemental Products = $200

Bonus Contest: Bi-Monthly 2018 Top Producers

Top Application Producer in July & August, 2018 = $500

Top Application Producer in September & October, 2018 = $500

Top 2018 Production July 1 – October 31, 2018 = $1,000

National General made it onto the 100 Fastest Growing Companies list from Fortune. Talk to your Cornerstone Individual Rep Geoff Beglen about how contracting with National General can help you begin to grow your business.

Benefits of selling National General:

  • Large, national network
  • Great products
  • Very competitive rates
  • Easy to quote
  • Easy to sell!
  • High commissions.
  • Enroll a client for 4 consecutive STM plans for a longer coverage period*

*Federal regulation allows for plan durations of less than 3 months


Qualifying Period: July 1, 2018 to October 31, 2018
Which Cases Qualify: Approved policies that are paid for (Funded) and accepted. Applications for all our products count but do not include the Association Membership, or cases that cancel, or are unpaid, or cancelled in the 10-day Free Look Period. Multiple Short Term Policy Packages, including one, two, three, or four 90-day policy packages count as one application. All supplemental product sales are eligible. Submitted applications are counted based on submission date.
Payable: Approximately 10 days from the end of each month.


Click here for more information.

We Have Information About Aetna Renewals!

Just a reminder that Aetna has announced it is not renewing any grandfathered or transitional business (Keep-What-You-Have) any longer. Renewals for any groups remaining in this block will receive ACA options (Aetna offers only 2 plans) or an Aetna Funding Advantage quote if they meet the criteria (5 or more employees).

Please contact your Cornerstone representative if you have a group or groups in this product and would like to explore options.