Don’t Miss Out On Selling UnitedHealthcare’s Plan 1 During AEP!

UHC Medicare SolutionsATTENTION BROKERS:

Enroll your clients in UnitedHealthcare’s MAPD and Medicare Supplement plans this AEP! Read more below on the great benefits they offer to members.

Top Features of UHC’s MAPD plans:

  • Visiting member benefit in 28 states (including Ohio) in the Passport program.
  • Offer hearing and vision coverage through their OWN providers: Epic Heath, Hi Health, and Spectara.
  • Clients have access to UHC’s Health Products Catalog that saves members money on many personal care items.
  • Mail order service and fitness benefit through Optum.
  • Robust member support programs like: Navigate for Me, Advocate for Me, and House Calls.

Top Features of UHC’s Med Supp plans:

  • Only MS brand with the AARP name
  • Stable annual trend increases (less than 3.2 percent each year for over 14 years)
  • Lifetime commissions on policies written 5/1/18 and after
  • Offers a health and wellness program via Optum

If you have questions or want to get contracted with UHC, please contact your Cornerstone Senior Marketing representative.

UnitedHealthcare’s 2019 A2Oh! Rewards Program

UnitedHealthcare recently announced the new 2019 A2Oh! Rewards Program trip destination for commission-eligible, accepted, and paid sales of AARP Medicare Supplement insurance plans from UHC.

The A2Oh! Rewards Program offers three different categories of travel awards from UHC:

  1. Sapphire: Presented to Level 2 agents who achieve 125+ accepted and paid sales during the qualification period.
  2. Emerald: Offered to Level 2 agents whose total accepted and paid sales during the qualification period earn them a ranking between 11 and 25 of top performers.
  3. Diamond: Offered to Level 2 agents whose total accepted and paid sales during the qualification period earn them a ranking between 1 and 10 of top performers.

Click here to learn more about the program.

 

Contact your Cornerstone Senior Marketing representative with any questions.

Important Information If You Were Born In 1953

Social Security Solutions, LLCIf you were born in 1953, next year is your full retirement year. The 2019 earnings limit (wages and self-employment only) is $46,920. It’s time to do the math so you don’t miss out on the retirement benefits available to you starting in January 2019.

Here is how this strategy works: If you are earning about $80,000 a year from a job or from self-employment, you could possibly start taking a retirement benefit in January 2019. Social Security only counts your earnings for months prior to your full retirement month. This means if you were born in July 1953, they only count your earnings through June 2019. At $80,000 per year, you are only earning $40,000 through June and could take a slightly reduced benefit in January 2019 because your earnings are under the limit through June 2019. Social Security doesn’t care what you earn after June 2019 if you are under earnings limit.

BINGO!

Thousands of dollars in your pocket before June and you keep working earning your $80,000 for the year. Plus, if your spouse is eligible for spousal benefits, they can file on your record January 2019 as well.

This may not be the best choice for those who want to wait until 70 to maximize their retirement benefit, but if you were planning to file for your benefit in June 2019, this strategy is worth considering.

You can file for a January 2019 benefit at any time. Online applications are the most efficient way, but you must create your personal “My Social Security” account with Social Security at www.ssa.gov in order to file an online application. For more information about your “My Social Security” account, click here.

Contact me for a retirement benefit analysis!

 

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 of experience.

ss-help.com

CVS Health Announces Completed Acquistion of Aetna

CVS Health completed its acquisition of Aetna on Wednesday. The combined company intends to provide consumers access to the information and resources needed for quality health care, as well as remove barriers to access to affordable care.

New products and services developed by the combined company will be broadly available to the health care marketplace, regardless of one’s insurer, pharmacy benefit manager (PBM), or pharmacy of choice. Additionally, CVS Health offerings, including retail pharmacy services, specialty pharmacy and long-term care, walk-in clinical services, and PBM services, will continue to be fully accessible to other health plans. Aetna members will also continue to have a broad network of pharmacies, including community-based independent pharmacies, available to fill their prescriptions. CVS Pharmacy will continue to participate within the pharmacy networks for other PBMs and health plans.

Contact your Cornerstone representative with any questions.

 

Click here to view the official release from Aetna.

Click here to view the official release from CVS Health.

IMPORTANT UPDATE: National General Short-Term Products in OH to Activate TOMORROW

National General will open their Ohio plans for quoting and enrollment effective tomorrow, November 28, after temporarily suspending all sales of short-term medical plans.

Reminder: Short-term sales in Kentucky are still temporarily suspended as National General is required to refile their short-term plans and rates with the Kentucky Department of Insurance. This change does not impact current customers or sales submitted prior to November 13, 2018.

You are still able to quote and enroll all other National General products in Ohio, Kentucky, Indiana, and other states.

Please contact Geoff Beglen with any questions or additional information about short-term sales carrier options in Ohio and Kentucky.

Geoff Beglen | 513-629-9358 | gbeglen@crnstone.com

Allwell’s 2019 D-SNP Has Expanded Into 68 Counties In Ohio

ATTENTION NORTHWEST OHIO AGENTS

See new counties now available in your area!

Allwell’s 2019 D-SNP has expanded into 68 counties in Ohio!

Check out the D-SNP network below:

  • Promedica- Fostoria Community Hospital, Flower Hospital, Memorial Hospital, Toledo Hospital, Bay Park Community Hospital, Defiance Regional Medical Center, Arrowhead Behavioral Hospital
  • Mercy- St. Anne Hospital, St. Charles Hospital, St. Rita’s Medical Center, St. Vincent’s Medical Center, Defiance Regional Medical Center
  • And more- Cleveland Clinic, University Hospital, University of Toledo Medical Center, St. Luke’s Hospital, Bellevue Hospital, H.B. MaGruder Hospital, Regency Hospital of Toledo, Lima Memorial, Firelands Regional, Wood County Hospital, and Community Hospitals and Wellness Centers.

Competitive benefits to go with a strong network!

  • $1,000 allowance for comprehensive dental, including DENTURES
  • Member pays $0 copay for two hearing aids each year
  • Vision allowance for contacts and eyeglasses
  • $80 monthly allowance for over-the-counter items
  • Transportation included—48 one-way trips
  • Fitness membership

ALSO… take advantage of Allwell’s FULL REIMBURSEMENT of your AHIP fees!

  • It does NOT matter where you took the AHIP test. You do not have to take it through Allwell to receive full reimbursement!
  • Must be certified and contracted to sell 2019 Allwell/Health Net MA plans
  • Must have a minimum of 5 new sales with a January 1, 2019 effective date

Qualifying sales must remain active with the plan through March 31, 2019.


Not contracted with Allwell? Contact your Cornerstone Senior Marketing sales representative for more information.

Aetna Updates on January New Business Deadlines, Billing Timelines, and Reporting Notices

December and January Deadlines

The deadline for Aetna December sales notices is right around the corner. Make sure you get your notices in for December 1 effective dates by Tuesday, November 27th. Also, today is the last day to submit sales notices early and earn an administrative fee credit for your clients. You must also submit all required documents by Monday, November 26th in order for your clients to qualify for the credit. Click here for a flyer with more details on the administrative fee credit program and deadlines.

Below are the regular submission deadlines for December and January effective dates:

Effective Date Sales Notice Submitted All Required Documents Submitted
December 1 11/27/2018 11/30/2018
January 1 12/27/2018 12/31/2018

Billing

On the 25th of each month, Aenta posts monthly AFA invoices on Springboard Marketplace. Aenta emails invoices directly to those who do not use Springboard. The invoice is based on how many employees are enrolled for coverage on the 17th of that month. On the second business day of the following month, Aetna will pull funds from your account.

The first month’s bill may follow a different timeline if Aetna installs a group after the 19th of the month before their effective date. In this scenario, Aetna will pull eligibility on the first day of the month of their effective date and five days later post your invoice on Springboard. Aetna will pull funds by the 15th of the month. If they install a group after the effective date, they will not pull funds the first month. Instead, they will pull funds for two months of coverage on the second business day of the next month. For renewals, they will pull funds at their renewal and the next month’s invoice will include any changes that occurred after the 20th of the month.

*If group is not installed by the effective date, the customer will receive a bill for 2 months of coverage at once.

NY HCRA Notices

AFA customers may have recently received a communication from the New York State Office of Pool Administration regarding their NY HCRA filing eligibility. Please note, that there is no action needed. As the third party administrator, Aetna files NY HCRA forms on behalf of their Small Group AFA customers and determine whether that filing is annual or monthly.

Ohio Farm Bureau Health Benefits Plan Update for January 1, 2019 and Later Enrollments

JANUARY 1 DEADLINES

The following dates and deadlines pertain to enrollment for January 1, 2018:

December 10, 2018- Last day to request a January 1, 2019 quote (or re-quote) for any group.

December 17, 2018- Last day to bind coverage for January 1, 2019

Any group making a request after these dates will be able to receive a quote or join the plan on February 1, 2019 but will not have the option to be quoted or enroll for January 1, 2019.

Please share with your clients that due to the high end of year enrollment volume the delivery of paperwork such as employee ID cards may take longer than is normal. Those needing help accessing their benefits can contact Medical Mutual at 800-382-5729.

December 19, 2018- Please have all renewal confirmations and paperwork to Cornerstone no later than December 19, 2018 to allow for processing time in order to meet the Ohio Farm Bureau December 21, 2018 submission deadline.

MANDATORY ELECTRONIC BILLING

Any group sold after January 1, 2019 with ten (10) or fewer employees enrolling is required to sign up for ACH* payments. Groups in this size category will no longer have the option to pay their monthly premium equivalent rate by check.

Any group that is delinquent more than once in a six (6) month period will also be required to sign up for ACH payments as a condition of reinstatement.

These requirements will ensure that every group is able to participate in the Ohio Farm Bureau Health Benefits Plan without administrative difficulties.

ACH (Automated Clearinghouse also known as EFT or Electronic Funds Transfer) allows a group to provide payment details once and have funds debited from their bank account automatically each month to pay for their coverage.


Questions? Get in touch with us by phone or email!

Another Important Update Regarding National General Short-Term Products

Effective immediately, National General is temporarily suspending all sales of short-term medical plans in Kentucky. No quoting or enrollment for short-term plans in KY will be permitted until they get approval from KY Department of Insurance. This change does not impact current customers or sales submitted prior to November 13, 2018.

Reminder: Short-term sales in Ohio have also been temporarily suspended as National General is required to refile their short-term plans and rates with the Ohio Department of Insurance.

You are still able to quote and enroll all other National General products in Ohio, Kentucky, Indiana, and other states.

Please contact Geoff Beglen with any questions or additional information about short-term sales carrier options in Ohio and Kentucky.

Geoff Beglen | 513-629-9358 | gbeglen@crnstone.com

5 Reasons Aetna is Your Choice in Northeast Ohio

 

Cornerstone Senior Marketing & Aetna MA/MAPD want to share some insightful benefit information on Aetna’s plans if you have clients in the Northeast Ohio region.

5 reasons Aetna is your BEST choice in Northeast Ohio:

  1. Access to National Network on PPO and HMO plans. Network includes ALL acute care hospitals in Ohio, with access to a national network which includes Cleveland Clinic, Akron Children’s and Aultman.
  2. Expanded service area into Wayne, Carroll and Tuscarawas counties.
  3. $0 premium HMO Value and $0 premium Value PPO plans.
  4. $0 PPO includes dental, OTC, hearing and meal benefit.
  5. Reduction in MOOP and copays including $0 Tier 1, and Tier 2 Prescription gap coverage.

 $0/MONTH

Two plan options including both medical and prescription drug coverage at $0/month

PROVIDER NETWORK

All acute-care hospitals in Ohio are in-network for Aetna members

(The Ohio State University is in-network for Aetna PPO members only)

NEW BENEFITS ADDED

Plans may include: OTC allowance, transportation, post-discharge meals, and dental, vision, & hearing benefits

If you have questions or want to get contracted with Aetna please contact your Cornerstone Senior Marketing representative.