Register for UnitedHealthcare’s July 2019 Broker Training Seminars

Join UnitedHealthcare for their July 2019 broker training seminars to get the most updated information on UHC’s latest products, sales and renewal tools, wellness programs, member service tools, and more.

Date

Time Title Registration link

July 3, 2019

10 a.m. CT All Savers® Alternate Funding Website and Process Training
— AM, SS

Register Here (php)

July 8, 2019

10 a.m. CT Quote/Install Requirements
51–100 — AM, SS

Register Here (php)

July 9, 2019

10:30 a.m. CT Deep Dive: All Savers®
Migrations — AM, SS

Register Here (php)

July 9, 2019

2 p.m. CT UnitedHealthcare Benefit Services – No-Fee COBRA,
FSA and Pre-Tax Premium
Plans —ALL

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July 9, 2019

3 p.m. CT Kentucky Product and
Market Update — ALL

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July 10, 2019

9 a.m. CT Indiana Product and
Market Update — ALL

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July 10, 2019

10 a.m. CT Massachusetts Product
and Market Update — ALL

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July 10, 2019

11 a.m. CT Connecticut: Oxford System
Enhancements — AM, SS

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July 10, 2019

1 p.m. CT Sales Automation
Management (SAM)
Renewal Training — AM, SS

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July 10, 2019

2 p.m. CT Small Business
UnitedHealthcare Motion®
 – Walking: The New Drug
— P, AM

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July 10, 2019

2:30 p.m. CT UnitedHealthcare’s
Pharmacy Strategy — ALL

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July 10, 2019

3 p.m. CT Rally® Digital Health and Wellness Experience —
What’s New for Your
Clients! — ALL

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July 11, 2019

10 a.m. CT Missouri and S. Illinois
Product and Market
Update — ALL

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July 11, 2019

11 a.m. CT How to Empower Your
Clients to Resolve Basic
Service Needs and Benefit
Questions On Their Own
— AM, SS

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July 11, 2019

1 p.m. CT UnitedHealthcare Specialty Products — Value Adds
— P, AM

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July 16, 2019

9 a.m. CT Wisconsin Product and
Market Update — ALL

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July 16, 2019

10 a.m. CT Deep Dive: A UnitedHealthcare Dental & Vision Experience — ALL

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July 16, 2019

2 p.m. CT Mid-Atlantic (DC,MD,VA,WV):
Working Smarter Not Harder
— ALL

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July 17, 2019

9 a.m. CT New Hampshire Product
and Market Update — ALL

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July 17, 2019

10 a.m. CT All Savers® Alternate Funding Website and Process Training
— AM, SS

Register Here

July 17, 2019

11 a.m. CT California Product & Market Update — ALL

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July 17, 2019

12 p.m. CT Deep Dive: All Savers® DocuSign® eSignature
Solution — NEW! – ALL

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July 17, 2019 1:30 p.m. CT UnitedHealthcare and All Savers® Service Contacts
— AM, SS

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July 17, 2019

2 p.m. CT Connecticut: Oxford System Enhancements — AM, SS

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July 18, 2019

10 a.m. CT All Savers® Renewal Overview
— AM, SS

Register Here (php)

July 18, 2019

1 p.m. CT Deep Dive: Protect Your
Client’s Family and Paycheck
in the Event of a Catastrophe
— ALL

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July 18, 2019

2 p.m. CT Bundle Lines of Coverage
and SAVE — ALL

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July 19, 2019

10 a.m. CT UnitedHealthcare and All Savers® Value Adds That
Set Us Apart — ALL

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July 24, 2019

9 a.m. CT Maine Product and Market Update — ALL

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July 24, 2019

11 a.m. CT Tennessee/Arkansas Product and Market Update — ALL

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July 24, 2019 12 p.m. CT All Savers® Migrations — ALL

Register Here (php)

July 24, 2019

1:30 p.m. CT UnitedHealthcare and All Savers® Service Contacts
— AM, SS

Register Here (php)

July 25, 2019

10 a.m. CT Quote/Install Requirements
51–100 — AM, SS

Register Here (php)

July 25, 2019

12 p.m. CT Sales Automation
Management (SAM) Renewal
Training — AM, SS

Register Here (php)

July 26, 2019

11 a.m. CT UnitedHealthcare Specialty
— ALL

Register Here (php)

July 29, 2019

1 p.m. CT UnitedHealthcare Motion®
— ALL

Register Here (php)

July 31, 2019 9 a.m. CT Health4Me®Smartphone
App Live Demo — AM, SS

Register Here (php)

July 31, 2019 1 p.m. CT Connecticut: Oxford System Enhancements — AM, SS

Register Here (php)

July 31, 2019 2 p.m. CT myuhc.com® Member Website Live Demo — AM, SS

Register Here (php)

Click here for more information.

Contact your Cornerstone representative with any questions.

UnitedHealthcare Implements Medical Necessity Reviews for Some Musculoskeletal Procedures

UnitedHealthcare is implementing medical necessity reviews for certain musculoskeletal surgeries rendered in an outpatient hospital (including of the elbow, wrist, ankle, hip, knee, or shoulder, as well as foot surgeries for bunions and hammertoes). The outpatient hospital site will be determined to be medically necessary if certain criteria are met.

If the outpatient hospital site of service is determined not to be medically necessary, the claim will be denied and the member is responsible for the cost of the service as long as the hospital obtained the member’s written consent to be billed in accordance with UHC’s protocols, prior to the service being rendered.

Click here to learn more…

Contact your Cornerstone representative with any questions.

New UnitedHealthcare Vision Products Available

UnitedHealthcare recently released two new vision products, including an enhanced second pair benefit and a computer glasses benefit.

The enhanced second pair benefit is an in-network benefit that gives employees additional covered lens options to create a customized second pair of glasses. Employees choose from the combination of covered lens options which include Standard and Premium anti-reflective coatings, polycarbonate lenses, standard progressives, and photochromic to create their second pair. Examples include sports glasses, prescription sunglasses, computer glasses and backup glasses.

The computer glasses benefit provides coverage for prescription glasses that protect against the blue light emitted from eleectronics. The benefit includes 3 different allowance options for the client to choose from and includes Premium and Platinum anti-reflective coatings (options include blue light protection) covered in full.

Click here for more information.

Contact your Cornerstone representative with any questions.

WageWorks Acquired By HealthEquity

WageWorks announced on June 27 that it will be acquired by HealthEquity, a deal that is expected to close by the end of the year. WageWorks has assured that there will be no changes to their clients’ teams.

For more information, contact your Cornerstone representative.

Update From Medical Mutual: Required COSE MEWA Form Available

Medical Mutual recently released a new Sold Case Pre-submission Review form that is required for groups to become part of COSE MEWA. Find the form here or at cosemewa.com.

The form must be filled out completely and accompany all sold case submission documents to ensure timely processing.

Contact your Cornerstone representative with any questions.

FormFire Instructions for Enrolling Employees in the Anthem SOCA Lumenos HSA Plan

FormFire recently released a notice with instructions for enrolling employees in the Anthem SOCA Lumenos HSA Plan. See below.

Notice from FormFire:

Employers that opt to offer the Lumenos HSA Option 7 plan require special instructions to assign the plan to the group and elect employees to the plan in FormFire. This is due to the plan having an aggregate deductible and only two tier levels: single and family.

Click here to view FormFire’s instructional video on the following:
1. How to assign the Lumenos HSA Option 7 plan to an employer group
2. How to enroll employees in the Lumenos HSA Option 7 plan using Group Enroll

Please note, the steps are only required for new groups offering the plan. If an employer group is already enrolled in the Lumenos HSA 7 plan, there is not action required. FormFire has performed maintenance on the existing groups.

Contact your Cornerstone representative with any questions.

PCORI Fees Due to IRS No Later Than July 31

Fees to fund the Patient-Centered Outcomes Research Institute (PCORI) are due to the IRS no later than July 31, 2019 from employers who sponsor certain self-insured health plans, which includes all level funded as well as health reimbursement arrangements (HRAs) that are not treated as excepted benefits.

How to Pay PCORI Fees

Employers that sponsor certain self-insured health plans (Level Funded) must report and pay the required PCORI fees via IRS Form 720 along with HRA plans, Quarterly Federal Excise Tax Return. Complete Part II, line 133. Employers should note “2nd Quarter” on the 720 form.

The fee applies to each Plan year that ends after October 1, 2012, and before October 1, 2019. “Plan year” refers to the plan year for your Level Funded Medical Plans or an HRA plan. Generally the plan year and the coverage period are the same. As an example, if your HRA benefit resets each January 1, your HRA plan year and your coverage period are generally a calendar year and end December 31.

Plan Year Ending Date Fee
October 1, 2017 – September 30, 2018 $2.39
October 1, 2018 – September 30, 2019 $2.45

There are three available methods that can be used to determine the average number of lives covered under a plan for the policy year. For an HRA plan it is acceptable to use the number of subscribers only. The most commonly used method is the Snapshot Method.

  1. Actual Count Method: A plan sponsor may determine the average number of lives covered under a plan for a plan year by adding the totals of lives covered for each day of the play year and dividing that total by the total number of days in the plan year.
  2. Snapshot Method: A plan sponsor may determine the average number of lives covered under an applicable self-insured health plan for a plan year based on the total number of lives covered on one date (or more dates if an equal number of dates is used in each quarter) during the first, second or third month of each quarter, and dividing that total by the number of dates on which a count was made.
  3. Form 5500 Method: An eligible plan sponsor may determine the average number of lives covered under a plan for a plan year based on the number of participants reported on the Form 5500, Annual Return/Report of Employee Benefit Plan, or the Form 5500-SF, Short Form Annual Return/Report of Small Employee Benefit Plan.

Payments should be made payable to the U.S. Treasury and sent by July 31, 2019 to the applicable address on the attached instructions.

Tools to Assist you by Carrier:

All Savers

All Savers posts the employer group’s membership information to the employer website. The employer group is required to complete and file the IRS Form 720. For general questions please contact All Savers Broker Services at 1-866-405-7174.

Humana Level Funded

Click here.

Aetna Funding Advantage

This link takes you to your Producer World login and will assist in determining the fee due by your group.

LIVE TRAINING: Aetna’s AFA Springboard System

Cornerstone invites you to attend training on Aetna’s AFA Springboard System at the Cincinnati office!

Please join us for an overview of the Aetna Springboard process for new business submissions, presented by Aetna’s Jordan Finley and Lauren Horley.

DATE: Monday June 24, 2019

TIME: 2:00–3:30 pm

LOCATION: Cornerstone’s Cincinnati Office

2101 Florence Ave Cincinnati, OH 45206

Click here to RSVP.

SOCIAL SECURITY SPOTLIGHT: Filing for Retirement Benefits When You Have a Child Who is Disabled

Social Security Solutions, LLCIf you have a child who was disabled prior to age 22 and has never worked, you may want to consider starting your Social Security benefits at full retirement age or, in some cases, as early as age 62. The disabled child is eligible for half of your full retirement age benefit up to the family maximum.

For example, I recently had a client (born November 1952) who attained full retirement age in November 2018 (age 66). His full retirement age benefit was $2,858 per month starting November 2018. His child, who has been mentally and physically disabled since birth, would receive $1,429 per month, effective November 2018. The family maximum on his account was $4,500 per month, so his benefit ($2,858) plus the child’s benefit ($1,429) would be paid starting November 2018 ($51,444 per year). They would draw about $205,776 by age 70. The child’s benefit continues until his or her death.

This doesn’t work for everyone, but it is something to consider if you have a child who is disabled and you are approaching retirement age. For more information, contact me to discuss your situation.

For more information please contact me.

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

Medical Mutual Has Extended The Mid-Size Group Volume Bonus Program

Medical Mutual has extended their Mid-Size Group (51–99) Volume Bonus Program for the period from July 1 to December 31, 2019. This program pays a per-employee per-month bonus on 51–99 group contracts with effective dates through December 31, 2019, as follows:

Tier Mid-size Group Book of Business Bonus Amount
1 75-199 contracts $4 per employee per month
2 200-349 contracts $7 per employee per month
3 350-499 contracts $10 per employee per month
4 500+ contracts $13.50 per employee per month

As a reminder, the Small Group (1–50) Volume Bonus Program is in effect through Dec. 31, 2019.

Click here for more information about the Mid-Size Group Bonus Program.

If you have any questions, please contact your Cornerstone representative.