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Marketplace Learning Management System Closes on July 15
Starting July 15 at 6:00 p.m. ET, the Centers for Medicare & Medicaid Services (CMS) Marketplace Learning Management System (MLMS) will close or “Go Dark” in preparation for the launch of the Marketplace Plan Year 2023 registration and training.
Medical Mutual Makes Change to National Network Effective Jan. 1, 2023
Effective January 1, 2023, Medical Mutual will change from their current national network to the Cigna PPO network.
The Updated Medical Mutual COSE MEWA Small Employer Exception Form is Available
An updated COSE MEWA Small Employer Exception form has been posted to cosemewa.com. This form, with a revision date of June 2022 (6/22) replaces the April 2022 (4/22) version.
Departments Issue Checklist for Surprise Billing IDR Process
The Departments of IRS, DOL, and HHS recently issued a checklist of federal independent dispute resolution and related requirements to help plan sponsors and insurers understand their obligations when processing claims for items and services that fall within the scope of the surprise medical billing protections of the No Surprises Act.
Learn More About Humana’s EAP LifeWorks Transition
To ensure even greater success for their customers, Humana has decided to team up with LifeWorks, a global leader in total well-being, to administer Employee Assistance Program benefits for their customers.
Sun Life Completes Acquisition of DentaQuest
While they are now part of Sun Life U.S., Dental Care Plus Group, a DentaQuest Company is still your dental benefits partner.
Superior Dental Care Systems Migration to Medical Mutual Scheduled to Begin July 1
Starting July 1, 2022, all new sold SDC groups will be placed on the Medical Mutual platform and existing SDC groups will be migrated to the newly integrated systems as they renew.
Carrier Updates Regarding the Transparency in Coverage Rules and Machine Readable Files
The "Transparency in Coverage" final rules passed on October 28, 2020, requires health insurers and group health plans to create machine readable files (MRF) and member friendly cost estimation tools to be phased in throughout 2022, 2023, and 2024.
Earn More with Anthem Ohio’s Individual SEP Bonus Program!
Anthem Ohio recently announced a new Individual special enrollment period (SEP) broker bonus program beginning with June 1, 2022, effective dates and running through December 1, 2022 effective dates.
The Dental Care Plus Group Releases New Updates and Improvements
The Dental Care Plus Group recently introduced new updates and improvements to provide better ways for their members to access and receive care.
Help Your Clients Resolve Their Marketplace Data Matching Issues
Large numbers of consumers are running out of time to submit documents to resolve their DMIs and consumers who do not resolve their issues will lose advance payments of the premium tax credit (APTC) or coverage.
Consumers in Some States May Qualify for a Special Enrollment Period
Several issuers that sell plans through the Marketplaces that use the federal platform were identified as having information in their publicly displayed plan data that was potentially misleading to consumers.
PCORI Fees Due to IRS No Later Than August 1, 2022
Fees to fund the Patient-Centered Outcomes Research Institute (PCORI) are due to the IRS no later than August 1, 2022, from employers who sponsor certain self-insured health plans such as Level Funded and Health Reimbursement Arrangements (HRAs) that are not treated as excepted benefits.
What Happens to Unused Amounts in Employees’ HRAs When Their Employment Terminates?
Your company has some choices about what will happen to HRA balances remaining at termination of employment.
Medical Mutual Pharmacy Benefit Changes Effective July 1, 2022
Several changes to members' pharmacy benefits include updates to formularies and drug exclusion lists.
Updated MMO COSE MEWA Small Employer Exception Form
An updated COSE MEWA Small Employer Exception form and instructions on how to properly complete it have been posted to cosemewa.com.
IRS Releases HSA Limits for 2023
IRS recently issued Revenue Procedure 2022-24, which provides the 2023 cost-of-living contribution and coverage adjustments for HSAs.
New Exciting Small Group Updates from UnitedHealthcare: Ohio Chamber MEWA and Specialty Bundling Program
UnitedHealthcare recently announced a few small group updates on their MEWA, UHC Level Funded, and Specialty Products to make it easier to quote and install.
Important Broker Updates from The Dental Care Plus Group and DentaQuest!
Dental Care Plus/DentaQuest has released a number of updates regarding communications, products, and additional reminders.
Register: Join Cornerstone at the NWOAHU Products Fair in Toledo
Visit Cornerstone’s booth at the upcoming NWOAHU Products Fair in the Toledo, Ohio, area. There are three CE courses pending with speakers from the Department of Labor, Cornerstone's Geoff Beglen with an update on the 2022 individual market, and Chris Hartmann from NAHU’s Government Affairs team.
Urgent: Submit Documents Before Data Matching Issue Deadlines!
DMIs are caused when information on a consumer's application does not match the Centers for Medicare & Medicaid Services (CMS) trusted data sources or CMS does not have available data for a consumer.
Two-Hour CE Opportunity: Improving Quoting Techniques in the Dental Marketplace and Evaluating Network Size and Savings
The classes,"Improving Quoting Techniques in the Dental Marketplace" and "Evaluating Network Size and Savings," will be presented by Jason Nickoloff from Delta Dental, and will provide an overview of common issues experienced in the agent community.
2022 DentaQuest Health Equity Heroes (Nominations Open Through April 29, 2022)
This year, DentaQuest is searching for the disruptors who are directly or indirectly improving health outcomes — forward-thinking individuals or organizations taking action to transform existing health systems to remedy disparities and be more welcoming and relevant to all.
Give Your Business a Book with UnitedHealthcare’s Spring Into Action Incentive
Earn extra cash for UnitedHealthcare's eligible TriTerm Medical and Short Term Medical applications submitted from April 1, 2022, to July 31, 2022.
Earn More with The Dental Care Plus Group’s Quarter 2 Broker Bonus!
For each personal dental plan you sell with an enrollment date between April 1, 2022, and June 30, 2022, you will earn an extra bonus on top of your commission.
Humana’s Kentucky Associations Agent Bonus Program
Earn a $1,000 bonus when you sell Humana medical plans with 5 to 99 enrolled subscribers through one of the accepted Kentucky associations.
The Dental Care Plus Group Assures Operational Improvements for 2022
Here are a few of the immediate operational improvements that The Dental Care Plus Group is rolling out in 2022 based on broker feedback.
The Pros and Cons of Alternative Funding for Small Groups
There are many alternatives to traditional fully insured small group health plans. Let’s examine the pros and cons of each approach available in today’s market.
Anthem KY ChamberAdvantage MEWA June 1, 2022 Renewal
Anthem has announced that the June 1, 2022, KY ChamberAdvantage MEWA renewals do include some renewal alternatives that are incorrect and not available to be sold for 2022.
CORRECTION: Anthem Kentucky Chamber Advantage Product Dues Update
Effective June 1, 2022 the collection method of product dues will be changing for some Chamber Advantage groups.
Appropriations Bill Restores Telehealth Exemption for HDHPs for Remainder of 2022
The CAA-22 temporarily and prospectively extends rules regarding access to telehealth services in the HSA context that were enacted in March 2020 in response to COVID-19.
Updates from EB3: Create a Booklet Without Committing to a Plan!
EB3 is now offering an opportunity for brokers to create benefit booklets at a cost without purchasing the self-service product.
Ohio Chamber MEWA Adds Multiple Common Renewal Dates
UnitedHealthcare recently announced that the Ohio MEWA, through the Ohio Chamber of Commerce, now has three common renewal dates: January (1/1), May (5/1), and September (9/1).
Understanding Marketplace Compensation for Agents and Brokers
The Marketplace does not play a role in arranging appointments, setting compensation levels, or ensuring that compensation is paid to agents and brokers.
IMPORTANT: Anthem Cornerstone Vision Open Enrollment
Enrollees added between March 15, 2022 and April 15, 2022, will become effective on the vision plan April 1, 2022.
Medical Mutual Small Group Product Updates for May 1 Renewals
Medical Mutual is offering new benefit plans for their COSE MEWA for May 1, 2022, renewals.
UnitedHealthcare Extends Member Level Census Underwriting
Underwriting is for groups with at least 10 enrolling employees who have current coverage (virgin groups excluded).
Why Employer Groups Really Need to Address Leave Policies
Without a leave policy, employers can get into a difficult situation before they know it. It’s a little like trying to get toothpaste back in the tube—you can only fix it going forward
2022 Department of Labor Compliance Penalty Chart
According to HR Service, Inc., the U.S. Department of Labor has published its final rule to adjust for inflation the civil monetary penalties assessed or enforced by the Department.
IMPORTANT UHC Small Business Update: Welcome to UHCeservices.com!
Starting with March 1, 2022, effective dates, All Savers is being re-branded to UnitedHealthcare Level Funded and the quoting and enrollment will be done through the SAMx system.
1094/1095 Updates for Anthem SOCA MEWA and Chamber Advantage MEWA Clients
We were recently notified by Anthem about updates to the original set of 1094-B/1095-B forms loaded for both SOCA MEWA and Chamber Advantage MEWA plans.
2022 Medical Mutual COSE MEWA Benefit Changes and Marketing Materials Available
All 2022 COSE MEWA plan designs are targeted to be available for quoting in early February for an effective date of May 1, 2022.
OSHA and Legislative Updates Regarding the Vaccine-or-Test Rule
OSHA recently announced that it is withdrawing its temporary vaccination and testing emergency standard, following the Supreme Court's temporary block of the federal vaccination mandate.
UnitedHealthcare Keeps it Simple with Their Quoting Process and Plan Designs
UnitedHealthcare is extending their member level census underwriting through March 1, 2022.
UnitedHealthcare Offers Opportunity for Guaranteed Dental Rates
Help your clients get a five percent second-year rate cap when they add a dental plan by December 31, 2022.
Members Will Be Reimbursed for Most Over-the-Counter COVID-19 Diagnostic Tests
All of the medical carriers are required to participate and we have provided a piece that gives some preliminary information from each carrier.
Reminder: Important Transitions for Existing SDC Groups Begin With April Renewals
Starting in April, important transitions will take effect for existing SDC groups as a result of integrating their data with their parent company's systems.
Humana COVID-19 At-Home Testing Updates
Beginning January 15, 2022, Humana will cover over-the-counter…
UnitedHealthcare to Cover COVID-19 At-Home Tests, Small Business Market Segment Update
On January 15, 2022, UnitedHealthcare began covering most commercial individual and group health plan members’ FDA-authorized or approved over-the-counter COVID-19 at home tests.
Anthem Members Will be Reimbursed for Over-the-Counter COVID-19 Tests
As of January 15, 2022, members can get reimbursed by their health plan without cost share for the costs of over-the-counter diagnostic COVID-19 tests until the end of the Coronavirus Public Health Emergency.
Supreme Court Blocks Vaccine Mandate for Large Businesses, Allows it for Health Care Workers
The U.S. Supreme Court issued two highly anticipated rulings on Thursday, temporarily blocking a Biden administration COVID-19 vaccine mandate for large employers but allowing a separate rule applying only to health care workers at facilities receiving federal funding.
Humana Go365 Updates for January 2022
Your resource for small group (2 to 99 eligible) Go365 questions and education.
Medical Mutual Small, Mid-Size Dental and Vision Plan Updates, Pricing, and Updated Materials
As of January 1 and February 1, 2022, there are pricing adjustments and one product update for Medical Mutual dental and vision small and mid-size group products.
Insurance Companies and Group Health Plans Now Required to Cover Costs of At-Home COVID-19 Tests
As part of its ongoing efforts across many channels to expand Americans’ access to free testing, the Biden-Harris Administration is requiring insurance companies and group health plans to cover the cost of over-the-counter, at-home COVID-19 tests, so people with private health coverage can get them for free starting January 15.
Good Faith Compliance Standard Announced for Broker Compensation Disclosure Requirements
Late last week, the DOL released a bulletin including a temporary enforcement policy, an emphasis on good faith compliance and several other items NAHU specifically requested clarification on.
Earn as You Enroll New Members in Ambetter
Contracted agents can earn a one-time, per member bonus for eligible new members they enroll!
Kentucky Marketplace KYNECT Announcement: Open Enrollment Extension
Residents now have until January 31, 2022, to enroll in a Qualified Health Plan (QHP) for Plan Year 2022 coverage
UPDATE: Anthem Suspends Offer for At-Home COVID-19 Testing Options
Anthem just announced that due to a supply issue with the vendor providing the test kits, this offer has been suspended.
Medical Review Institute of America Data Incident Impacts Medical Mutual Groups
The incident was due to a cyber-attack where an unauthorized individual infiltrated MRIoA’s system, made copies of certain records, and demanded a ransom for the deletion of the information.
Gender Affirming Surgery Exclusion Removed for Medical Mutual Small Groups
Medical Mutual is removing the benefit exclusion for gender affirming surgery currently in place for small groups.
Kynect Health Coverage Provides Special Enrollment Period
Due to the natural disaster and reported technical issues, Kynect health coverage will provide a Special Enrollment Period, meaning individuals will have until December 31, 2021, to select a plan with a January 1, 2022, effective date.
Take Your Business to the Next Level with UnitedHealthOne’s Incentive
With two-tiers of opportunity take your earnings to the next-level with eligible TriTerm Medical and Short Term Medical applications submitted December 25, 2021, to March 31, 2022.
Telehealth Law Directing Your Doctor’s Office in the Practice of Virtual Visits
The bill expands on the types of providers who may bill for telehealth services, adds new services that a provider may bill for, and implements new ways in which providers can see patients across state borders.
Anthem Indiana Offers Engagement Incentives for ACA and CHA MEWA Groups
Engagement Package 200 rewards employees up to$200 for taking part in a wide variety of condition management, preventive care, and wellness activities that offer employees options to best meet their goals.
Anthem Indiana Releases Small Group Benefits Package
For 2022, Anthem Indiana plans beginning with January 1, 2022, new cases and renewals, this benefits package is included in ACA and MEWA Small Group offerings.
Delta Dental of Kentucky Releases 2022 Rates
Delta Dental of Kentucky recently provided rate sheets for their 2022 plans.
IRS Releases Updated Benefit Limits for 2022
As always, Cornerstone has provided a comprehensive guide to each year's limits.
IRS Extends ACA Reporting Deadline for Furnishing Statements for 2021 for 30 days
The IRS permanently and automatically extended the deadline for 30 days from January 31, 2022, each year for employers and insurers to furnish individual statements on health coverage and full-time employee status (Forms 1095-B and 1095-C). This new requirement applies to the 2021 reporting (March 2, 2022).
Important Update From MMO COSE MEWA Regarding Annual Membership Dues
Medical Mutual's new COSE dues schedule (below) will take effect…
Earn More on New Sale MMO COSE MEWA Health Groups!
Medical Mutual recently announced an increase to the health commission rates on new COSE MEWA accounts with an effective date of January 1, 2022.
Direct and Indirect Compensation Transparency Requirements for Your Group Health Plans
Brokers are now required to disclose compensation amounts if they reasonably expect to receive $1,000 or more in compensation, whether direct or indirect, for their services.
Earn More with Humana’s Agent Bonus Programs!
Earn a bonus when you sell Humana medical plans and new specialty lines of coverage with effective dates of January 1, 2022.
Anthem Indiana CHA MEWA Modified Underwriting Process
If you have any prospects with 20 or more total members (including dependents), you can use the attached form in lieu of questionnaires IF the group has current group medical coverage.
Complete Quotes to Earn Extra Money During the Sidecar Health Quote-A-Thon
From November 17, 2021, through November 24 only, you get $25 for every unique Sidecar Health quote you save and send to a prospective member.
Review Sidecar Health’s New ACA Broker FAQ Guide
Sidecar Health has released an updated FAQ guide for brokers to learn how to manage their Sidecar sales and client questions.
Anthem’s Bonus Program Rewards Sales Written for January and February 2022
Anthem's Ohio Individual ACA broker bonus plan enables brokers to earn more for their ACA sales.
UnitedHealthOne’s “Twice as Nice” Bonus Opportunity Offers Rewards for Cross Selling
UnitedHealthOne is offering a bonus for TriTerm Medical and Short Term Medical sales, as well as Health ProtectorGuard and select ancillary products.
Anthem Offers No-Cost, At-Home COVID-19 Testing Options
Anthem has shared information about additional testing options for employees with symptoms of COVID-19 or who have been exposed to someone with confirmed or suspected COVID-19.
Digital Offerings from Anthem and More
This update includes digital resources for clients, updates to clinical site-of-care reviews, and reminders about Open Enrollment.
Social Security Spotlight: Important Information if You Were Born in 1956
Now is the time to do the math so you don’t lose the retirement benefits you could have started taking in January 2022, even if you don’t plan to stop working.
SBCs and the Quoting Link for Sidecar Health’s Off-Exchange Plans are Now Available!
Sidecar Health is ringing the bell on their first ACA sales season!
In Case You Missed This: Dental Care Plus Important Updates
Please see the latest info from Dental Care Plus as they work diligently to ease the migration issues that popped up along with some good news on the stability of the DCP Network of Dentists.
Anthem to Return to Indiana ACA Individual Market
This new offering brings the trust and security of offering Anthem to your individual clients once again.
Big Updates for the ChamberCare Health Alliance MEWA Plan
Starting January 1, 2022, the ChamberCare Health Alliance MEWA plan will begin partnering with mewa.io and myCobraPlan to offer COBRA services for COBRA-eligible groups.
Anthem SOCA MEWA 2022 Product Guide
This guide shows each plan summary available to quote as of January 1, 2022.
This Just In: EB3 Includes Mass Plan Uploading
EB3 recently released a new update to their platform that enables mass loading of plan designs at once instead of manually loading one by one.
Ohio Farm Bureau MEWA Announces New Plans for 2022
The new plans feature many of Anthem’s small group staples like the Smart Shopper program.
Anthem Early Bird Small Group New Business Bonus
Anthem announced a broker bonus for new small group business. The earlier you submit new business, the better the bonus.
Medical Mutual Annual Mailings to Collect Missing Dependent Social Security Numbers
Medical Mutual will soon send out a letter to members who have not submitted Social Security numbers for their covered spouses and/or dependents.
In Case You Missed It: UnitedHealthcare’s Fourth Quarter Updates for 2022
In case you missed it, UnitedHealthcare presented their 2022 updates for all small group products on a recent Group Corner webinar.
Updated MMO COSE MEWA Commissions for January 1 Effective Dates Only
Medical Mutual recently announced an increase to the health commission rates on new COSE MEWA accounts with an effective date of January 1, 2022.
Anthem Announces 2022 Ohio Farm Bureau MEWA Updates
The Ohio Farm Bureau Health Benefit Plan (MEWA) has expanded its plan portfolio for 2022 and made many updates to plan designs that brokers with OFB clients will want to understand.
Humana Adds State Exhibit to Producer Contract
Effective starting August 18, 2021, all licensed producers will receive a new exhibit to their contract, Exhibit 4: Product Authorization. This exhibit will list the states where the producer is considered to be contracted to sell with Humana.
Humana’s Dental Waiting Periods to Change November 1 for 5+ Enrolled
Effective November 1, 2021, dental waiting periods are being eliminated on all new and existing employer-sponsored Humana groups with 5+ enrolled who meet certain criteria.
October Updates from The Dental Care Plus Group
A new partnership with Sun Life, shelf rates, and a fourth quarter bonus opportunity for ANY fully-insured sold case with 2-49 enrolled employees.
Plan Year 2022 Registration and Training Now Available for All Agents
The full Plan Year 2022 Marketplace registration and training is now available for new agents and brokers and those returning who didn’t complete Marketplace training for Plan Year 2021!
The Dental Care Plus Group Contract Eligibility Adjustments
As of January 1st, 2022, the Dental Care Plus Group will roll out a new plan enhancement that will allow all dependents to stay enrolled on their policies without requiring student status verification to age 26.
Changes for Plan Year 2022: Expiration of Unemployment Compensation Benefits
Under the ARP, if a taxpayer received or was approved to receive unemployment compensation for any week beginning in 2021, the taxpayer’s household income would be considered to be no higher than 133% of the federal poverty level.
Anthem Kentucky ChamberAdvantage MEWA Employee Application Update
Anthem KY has recently updated the Chamber Advantage employee application/health questionnaire to include a question related to COVID-19 treatment.
Changes in Humana’s COVID-19 Testing Policy Effective October 1, 2021
Humana continues to cover COVID-19 testing at $0 member cost-share for all members as required by the PHE regulations established by the federal government.
Anthem’s Virtual Care is Now Available 24/7 for No or Low Cost
Anthem is now offering virtual care options through their Sydney Health app.
Employer Action Required! Distribute Medicare Part D Notices by October 15, 2021
Group health plan sponsors must provide Medicare Part D “creditable coverage” notices prior to October 15th, the start date of the Medicare annual enrollment period for Part D, Prescription Drug coverage.
CMS Final Rule Extends Marketplace Open Enrollment to January 15, 2022
CMS recently finalized a series of provisions that follow through on President Biden’s commitment to build on the Affordable Care Act, expand health coverage access for Americans and advance health equity.
Important Updates from The Dental Care Plus Group Regarding 2022 Plans
Information about shelf rates, PPO plans and networks, and deadlines.
More than 2.8 Million Americans Gained Health Coverage During SEP
With the gains made during the SEP, there are now a record-breaking 12.2 million people enrolled in the federal and state marketplaces.
Humana Offers New Business LFP Admin Credits
The credit, at $200 per subscriber, is applicable to all markets and applies to new groups and first-time medical adds (i.e., existing ancillary adding medical).
IRS Announces 2022 HSA Contribution Limits
According to the IRS, the 2022 HDHP “annual out-of-pocket expenses (deductibles, co-payments, and other amounts, but not premiums) [may not] exceed $7,050 for self-only coverage or $14,100 for family coverage.”
September is Life Insurance Awareness Month! Offer These Flexible Life Insurance Benefits with Principal
Principal offers employer-paid group term life and employee-paid voluntary term life (VTL) coverage with the contract flexibility to meet a variety of needs.
Consolidate Appropriations Act: Impact to Anthem’s Member ID Cards
To ensure members know where to access current information about their benefits, Anthem will add verbiage to their ID cards advising members where on the Anthem website they can find helpful, easy-to-understand information regarding their benefits.
Important Information About Anthem’s 2020 MLR Rebates
Anthem groups and Individual members in 10 states will receive 2020 medical loss ratio (MLR) rebates this year. Anthem will begin mailing the rebates by the end of August.
UPDATE: Aetna Pricing Changes to Teladoc
The Teladoc product pricing balances rising costs of medical costs with market competitive rates for telemedicine vendors.
ATTENTION: Plan Year 2022 Registration and Training is LIVE
If you completed the registration and training for plan year 2021, the 2022 Marketplace registration and training is now available.
ATTENTION KY AGENTS: Complete the SBM Registration Web-Based Training
If you are operating on HealthCare.gov, you are required to complete this training prior to September 24, 2021 in order to keep your association with any policy up for renewal.
Anthem Reaches Agreement with Trinity Health System
Anthem has reached a new agreement with Trinity Health System that will assure continued access to affordable healthcare at Trinity Health hospitals, physicians, and affiliated care providers through 2025.
UnitedHealthcare Q4 Vision Rate Card
These cards can be used instead of a group specific quote and benefit summaries are embedded in the PDFs.
Earn More with Humana’s New Fourth Quarter Agent Bonuses!
Could you use a little extra incentive to sell? Here are the NEW bonus programs available through December 1 effective dates.
IMPORTANT UPDATE: The Humana Dependent Audit Has Been Paused
The dependent eligibility verification has been paused to thoroughly evaluate the program and make improvements before moving forward with the verification.
Humana Creditable Coverage Drug Lists
If your customers' health plans include prescription drug coverage and also cover members who are eligible for Medicare Part D benefits, those customers are required to notify such members by October 15 of each year.
Upcoming Process Changes From The Dental Care Plus Group
Please note DCP will be sharing this information with their employer groups in the next few days and are sharing with their broker partners in advance to ensure they are prepared in the event they receive questions from their groups.
2022 Medical Mutual of Ohio COSE MEWA Benefit Plan Updates
The COSE MEWA product portfolio is updated with plan changes for 2022. All 2022 COSE MEWA plan designs are targeted to be available for quoting by early September, coinciding with renewal releases, for an effective date of January 1, 2022.
Rev Up for Fourth Quarter with Cornerstone! Here’s What You Need to Know
Renewal season is nearly upon us. With it comes the inevitable time crunch convergence of renewals and open enrollment. Here are a few planning tips for your group business.
Send Membership Updates to Anthem’s New Email
You can now send your large group, 51+ membership updates to Anthem’s new enrollment email box.
Here are the Latest Updates on Humana’s Go365 Platform
Learn more about personalized insights, member resources, webinars, and more.
Humana to Conduct Eligibility Vertifications in Commercial Population
Please be aware that employees of one or more of your groups may be asked to validate dependent information.
Fifth Third HSAs Transition to HealthEquity
HSA owners will no longer be able to access funds from the Fifth Third HSA or use it to make scheduled, automatic payments as the routing and account number for the HSAs will change.
Important Humana Small and Large Group Updates That You Need to Know About
Product, bonus, and tool updates from Humana.
Anthem Launches Broker Resource Hub
It has the resources you need to sell individual, small group, and large group business all in one place, making doing business with Anthem quicker and easier.
NWOAHU Invites You to Attend: Social Gathering with CEs
For agents looking for in-person CEs, the NW Ohio NAHU chapter is hosting an event with 3 Ohio CE credits and a late lunch in Port Clinton, Ohio.
Preview of Upcoming Group Administrator Communication from DCPG
The Dental Care Plus Group has made some exciting updates to the employer portal and will be sending a Employer Contact newsletter to all employer groups early this week.
There’s Still Time to Earn the Connecting Consumers with Coverage Award!
This award will contain special recognition materials acknowledging the work you do in making the Marketplace more accessible to consumers.
Anthem’s COVID-19 Health Pass is Now Available
Anthem has integrated the new COVID-19 Health Pass with the Sydney Health app for small and large fully insured groups.
Humana to Discontinue Legacy Medical Plans and Reduce Level Funded Rates
Humana will be limiting the number of fully insured legacy group medical plans with low membership and level funded rates will be reduced for five to nine groups and 10 to 100 groups.
New IRS Form 941 for COBRA Subsidy Filings Due August 2, 2021
The form has several new lines added to obtain credits for the COBRA subsidies offered under the American Rescue Plan Act (ARPA).
Medical Mutual’s Extended Grace Period for Premium Payments Ends October 1, 2021
Customers who are currently taking advantage of the extended grace period must bring their account up to date by October1 to avoid an interruption in coverage
Introducing Humana New Level Funded Premium Plan Options
They are adding 31 additional plan options to their LFP portfolio for September 1, 2021, and later effective dates.
The Marketplace Learning Management System Will Close August 2, 2021
The system will close or “go dark” in preparation for the launch of registration and training for plan year 2022.
All Savers Product Updates That You Need to Know About
All Savers recently released the following updates regarding their rates, credits, and the Essential PDL.
Anthem Launches Sales and Marketing Broker Hub
Anthem provides general updates and information on their recently launched Broker Hub, which makes it easier for brokers to find sales and marketing resources.
Join UnitedHealthcare and All Savers for Their Summer Broker and Agency Webinar Program!
The webinars will provide updates on their most current products, sales and renewal tools, wellness programs, member service tools, etc.
Marketplace 2022 Registration and Training Coming in Late Summer
Due to the 2021 SEP, CMS has determined that plan year 2022 registration and training will be available to agents and brokers after the SEP has ended on August 15, 2021.
AUL is Live with Online Access!
OneAmerica's new online disability claims feature provides you with direct access to both Disability Claim Reports as well as Disability Tax Reports.
UnitedHealthcare EServices Update Training Available!
You won’t want to miss the upcoming training with UHC (schedule just made available) to learn the new navigation of United EServices.
Clients are Eligible for a $0 Silver Plan with Unemployment Income
According to a release from HealthSherpa, starting July 1, 2021, individuals with at least one week of unemployment compensation (UC) in 2021 can enroll in a free Silver plan with an earliest effective date of August 1.
Medical Mutual Update: ARPA State Continuation Premium Exemption for Groups with Less Than 20 Employees
To assist groups with fewer than 20 employees during the state continuation subsidy period, Medical Mutual has received guidance to directly apply for federal tax credits for eligible existing state continuation contracts.
Anthem Indiana Broker News Recap
Anthem provides group and individual updates on their network, a new premium tax credit, and a site-of-care review program.
Humana Releases Risk Analytic Engine for Groups of 10 to 99
HRAE is a learning model designed to predict underlying risk and future claims cost.
Social Security Spotlight: Spousal Benefits and the 2016 Social Security Law “Deemed Filing” Changes
The law eliminates the ability of a spouse to limit the scope of the application to spousal benefits at “full retirement age” if they were born after 1953.
Anthem ARPA State Continuation Notification Update
You may have received an email from Anthem recently to let you know about requirements involving individuals who are on state health continuation because they lost group health coverage because of termination of employment or reduction in hours. Some details about these requirements for groups with less than 20 employees have changed since they contacted you.
Anthem OFB Benefit Plan & Mewa.io: Frequently Asked Questions
The Anthem OFB Benefit Plan will begin offering mewa.io, a digital MEWA management system, on July 1, 2021.
Anthem Small Group Updates for June 2021
This monthly update includes information about SOCA EmployerAccess, cost share waivers, ARPA COBRA requirements, and more.
OneAmerica Offers Option to Submit Disability Claims Online
The fillable PDF claim forms has been updated to a user-friendly, online DocuSign tool.
Medical Mutual Has Finalized the Process for Group Reporting Requested Under Senate Bill 9
As a reminder, Senate Bill 9 requires health plan issuers to release certain claims data to fully insured groups and non-federal government plans with 50 or more full-time covered/enrolled employees.
Humana Transitions Go365 Engagement Needs to Inside Engagement Professional
Humana has transitioned their Go365 engagement needs to an Inside Engagement Professional: Araceli Castillo.
OneAmerica Introduces Technology Solution Powered by iHR
In response to the increased need for remote work opportunities, OneAmerica is offering a more convenient, powerful new set of tools to employers.
What You Need to Know About HSA Eligibility and Medicare
Enrolling in any part of Medicare coverage for any reason will make you ineligible to contribute to a Health Savings Account.
Medical Insurance Carrier Coordination with Prescription Drug Discount Programs
The final cost of a drug can and does vary wildly and the same drug is never priced the same between insurance carriers.
Ohio Farm Bureau Health Plan MEWA: Farm Fresh Quoting and Marketing Tools
If you’re interested in talking about the Ohio Farm Bureau MEWA to clients, here are a few items to help.
UnitedHealthcare Delays Policy to Review Non-Urgent Emergency Room Visits
In response to backlash, UHC decided to delay the policy until the end of the pandemic.
UnitedHealthcare Releases Third Quarter Vision Shelf Rates for Employers (2-100)
In addition to extremely competitive rates, UnitedHealthcare vision plans have a 24-month rate guarantee.
Enhanced Access to Disability Reporting Coming to the OneAmerica Employee Benefits Portal
Clients will continue to have access to all the same reporting information that they do today, with the addition of some new reports and information as well.
PCORI Fees Due to IRS No Later Than July 31, 2021
Fees to fund the Patient-Centered Outcomes Research Institute are due to the IRS no later than July 31, 2021, from employers who sponsor certain self-insured health plans such as Level Funded and HRAs that are not treated as excepted benefits.
Important ARPA Compliance Info for Your Employee Benefits Clients
We put together a comprehensive ARPA compliance toolkit for Cornerstone agents to share with their clients.
UnitedHealthcare Enhancing Capabilities for Emergency Department Utilization Payout for Non-Emergency Claims
In July, UnitedHealthcare will enhance their capabilities to assess ED facility claims to determine if the event was emergent or non-emergent.
CMS Encourages Companies to Promote Quality, Affordable Health Coverage for Gig Workers Through HealthCare.gov
CMS is encouraging online platform companies to share information with gig workers on their ability to enroll in affordable, quality, health coverage during the 2021 Marketplace Special Enrollment Period.
Why Should You Sell Humana? May Small Group and Large Group Updates
Humana plans have excellent contracts that include these exceptional benefits...
CMS WEBINAR: Overview of New Health Reimbursement Arrangements
If you’d like to attend this webinar, register today.
May 2021 UnitedHealthcare Updates
UnitedHealthcare released information regarding digital ID cards, Real Appeal, and a new bundling program.
Medical Mutual’s Bundled Savings Program: Premium Discount for Eligible Groups and New Business
They have designed this program to help you offer savings to your customers while providing them with added benefits and protections.
Information about Anthem Indiana’s Enhanced Choice Plan
Indiana’s Anthem Enhanced Choice plan is a 36-month Limited Duration plan (not 12 months as is required in Ohio).
IRS Provides Guidance on Premium Assistance and Tax Credit for Continuation Health Coverage
Notice 2021-31 PDF provides guidance for employers, plan administrators, and health insurers regarding the new credit available to them for providing continuation health coverage to certain individuals under COBRA.
Earn an Individual Bonus with Anthem’s SEP Broker Bonus Program
Anthem will pay a one-time bonus of $125 for each member (no family max) enrolled in an Individual ACA on- or off-exchange plan with an effective date beginning February 1, 2021.
IRS Releases HSA Limits for 2022
The IRS has just issued Revenue Procedure 2021-25, which provides the 2022 cost-of-living contribution and coverage adjustments for HSAs.
Aetna Small Group Administrative Credits and Excellence Broker Program
Aetna recently announced an administrative credit and surplus as well as a new bonus program that rewards you for your new business.
Medical Mutual Pharmacy Updates and Life Renewals
MMO is updating their National Preferred/National Preferred Plus formulary and their current life insurance rates will be guaranteed for three additional years.
HHS Announces Prohibition on Sex Discrimination Includes Discrimination on the Basis of Sexual Orientation and Gender Identity
Discrimination in health care impacts health outcomes. Research shows that one quarter of LGBTQ people who faced discrimination postponed or avoided receiving needed medical care for fear of further discrimination.
Anthem SmartShopper Tools and Information
The program is available separately for ASO groups. SmartShopper provides members with an incentive to seek out high value, lower cost care from providers on a select group of services.
ARPA Raises Dependent Care FSA Contribution Limits
As a result of the American Rescue Plan Act of 2021 signed into law by President Biden in March, the 2021 contribution limits for dependent care flexible spending accounts has increased.
Federal Tax Filing Deadline Coming Soon!
The deadline for all taxpayers to file and pay their federal income taxes was extended from April 15, 2021, until May 17, 2021.
Don’t Forget to Pay Your Anthem OH Renewal Fee!
To remain an appointed broker with Anthem, please pay your $45.00 appointment renewal fee by May 28, 2021, using the NoMoreForms link you received in your email from Anthem.
Important Communications for Humana Agents Regarding COVID-19
Humana is continuing to take to evolve their pandemic response model and offer helpful resources as vaccine distribution continues.
Introducing Humana’s Exclusive Team of Small Business Inside Engagement Professionals
The new Small Business Engagement Model will shift the Go365 engagement responsibility of the 2 to 99 fully insured and level funded premium segment to a team of Inside Engagement Professionals.
Certain Humana Level-Funded Premium Plans Updated for Mental Health Compliance
Effective April 15, 2021, select 2017 Humana Level Funded Premium medical plan(s) will be automatically updated to comply with MHPAEA, as required by federal law.
UnitedHealthcare Vision Collaborates with Eyesafe to Provide Blue-Light Screen Filters
This collaboration provides members with a 20 percent discount off the retail price on blue-light screen filters for their devices.
Data Shows Increased Zero-Premium and Low-Premium Health Plans
The American Rescue Plan enhances and expands eligibility for advance payments of premium tax credits to purchase Marketplace insurance coverage under the ACA.
Answers to ARPA Questions in Accordance with Newly Released Guidance
In this post, Shelly Brownell reviews the eligibility, the model notice (which is now available), and update the timeline for notification and premium assistance as it relates to COBRA.
Be Recognized for Assisting New Marketplace Consumers!
This special recognition acknowledges the work you do in making the Marketplace more accessible to consumers, particularly those from historically underserved or underinsured populations.
Medical Mutual Releases Updates Regarding Commissions and Their Vaccine Campaign
Medical Mutual has released some updates and reminders on commissions, member FAQs, and their "Sleeves Up!" vaccine awareness campaign.
OneAmerica Teamed Up with iHR to Service Employee Benefits Clients
iHR provides an easy-to-navigate, mobile-friendly system that walks employees through the process of comparing coverage options, electing their benefits and designating beneficiaries.
Ohio Farm Bureau MEWA Available Again For Quoting
Look for updated training and a refresher course for agents interested in selling this product soon!
ChamberCare Health Alliance MEWA Rates Guaranteed Through September 2022
Anthem Indiana recently announced that rates for new ChamberCare Health Alliance MEWA groups with enrollment dates from May 1 to September 1, 2021 are guaranteed through September 2022.
Maximize Your Sales with UnitedHealthOne’s Second Quarter Bonus!
There are TWO ways to earn more in the second quarter with UnitedHealthOne's new bonus program. and maximize your sales with eligible products.
Medical Mutual Announces FSA and HRA Substantiation Changes and New CDHP Agreements
These changes are implemented with the intention of reducing the number of member substantiation receipt requests and ultimately reduce employer disruption.
Anthem Kentucky ChamberAdvantage Product Dues and Bundling Discounts
Anthem Kentucky provides updates on ChamberAdvantage product dues and a bundling discount opportunity when you add ancillary lines.
Medical Mutual Update: Six-Month COBRA Subsidy Period Effective April 1, 2021
For Medical Mutual groups, COBRA Options is allowing groups to flag members that will be eligible for the subsidy.
The BusinessPlans ARPA COBRA Response Plan
If your office represents a MEWA participating employer, here is the ARPA COBRA Response Plan, provided by BusinessPlans.
Humana Multi-Line Group Discount for Kentucky Chamber Association Groups
This discount is available for group sizes and employers having two eligible to 99 enrolled employees who purchase Humana medical, dental and vision benefits.
Get Rewarded for Your Sales Efforts with Principals 2021 Bonus Programs
Principal's 2021 bonus programs rewards agents for new and retained business.
HHS Announces Reduced Costs and Expanded Access for Marketplace Coverage Under the American Rescue Plan
HHS recently announced that additional savings and lower health care costs are available for consumers on HealthCare.gov.
April Updates Regarding Aenta Funding Advantage
Aetna provides updates regarding admin credits, dual option, and new business submission deadlines.
Anthem Indiana ChamberCare Health Alliance MEWA Extended Rate Hold
Any Indiana Chambercare Health Alliance (CHA) MEWA cases written with an effective date from May through September 2021 will have an extended rate hold through October 2022.
Deadline Suspensions and COBRA Subsidies Due to COVID-19
Information regarding deadline suspensions from the DOL and IRS as well as COBRA subsidies and a new election period as a result of the ARP.
UnitedHealthcare New Sales Bonus for MEWA and All Savers Level Funded Cases
UnitedHealthcare is offering a bonus to agents who sell new MEWA Ohio Chamber Health Benefit Program and/or All Savers level-funded medical plans having effective dates from May 1, 2021, through June 30, 2021.
IRS Identifies PPE as Qualified Medical Expense Under Section 213(d)
Personal protective equipment, such as masks, hand sanitizer, and sanitizing wipes, are considered qualified medical expenses and are eligible for reimbursement.
Humana KY Chamber Bundling Discount Doubled for June 1, 2021
Good news! Humana will be doubling the bundling bonus when a group elects Humana medical, dental, and vision.
2020 HSA Contribution Deadline Extended to May 17
The IRS has just confirmed 2020 HSA Contributions may be accepted up to the filing deadline of May 17, 2021.
Humana Updated Quote Coversheets
Completing all the information should help to improve response time from Humana on prescreen requests.
Introducing Teledentistry from UnitedHealthcare
UnitedHealthcare has recently introduced Teledentistry for members, which provides 24/7 access to a licensed dentist, via phone or web, for an array of oral health issues.
Updated Ohio Farm Bureau Member Promotional Materials are Now Available!
Ohio Farm Bureau has provided updated member promo materials highlighting some of the discount programs their members can access when they participate on the OFB Health Plan MEWA.
Humana Extends $0 Copays for Doctor on Demand Visits
Humana has extended $0 copays for all Doctor on Demand virtual medical and mental health visits for fully insured and level funded premium members through June 30, 2021.
AUL Online Life Claim Submission Now Available Via DocuSign
AUL recently implemented a new digital solution for submitting Employee Benefit Life Claims.
IMPORTANT UPDATE: CMS Extends SEP to August 2021
In response to the benefits outlined in the American Rescue Plan regarding increased tax credits to reduce premiums, CMS has extended access to the 2021 SEP to August 15, 2021.
Good News From Medical Mutual! Increase in New Sale Commission for COSE MEWA Groups
Medical Mutual of Ohio has recently announced an increase to the health commission rates on COSE MEWA accounts with effective dates of April 1, 2021, through June 1, 2021.
UnitedHealthcare Specialty Benefits Bundling Program
UnitedHealthcare recently announced a new specialty benefits bundling programs where brokers can earn administrative credits by adding three or more new lines of specialty coverage.
Earn Cash with Anthem’s New SOCA MEWA Broker Bonus Programs!
Anthem has announced two new SOCA MEWA bonus programs: The SOCA Benefit Plan Broker Renewal Bonus and the Dash for Dough Ohio Bonus.
Earn Your SEP Camp Molina Bonus Badge!
Molina Healthcare recently announced their New 2021 SEP Member Agent Bonus.
How the American Rescue Plan Impacts ACA Enrollments
For those enrolled in ACA plans, the law includes provisions that significantly affect subsidies and Advance Premium Tax Credits.
ATTENTION: What Your Clients Need to Know About the American Rescue Plan Act
Under this bill, eligible COBRA enrollees (and their families) can receive a 100 percent federal subsidy for their COBRA premiums.
Anthem COVID-19 Vaccines Flyer and New Dental Cost Estimator
Anthem has provided new tools for brokers to provide to their clients.
Anthem Suspends Key Health Plan Timeframes
Anthem suspended key health plan timeframes to give your employees more time to take advantage of HIPAA special enrollment periods, file and appeal claims, elect COBRA continuation coverage, and pay COBRA premiums. The timeframes are scheduled to be reinstated on March 1, 2021.
Social Security Spotlight: Dealing with Pressing Social Security Issues
After more than 40 years in the business, one thing I know for certain is that Social Security is complicated and the solutions for common problems aren’t always straightforward.
Delta Dental Introduces Member Portal to Replace Consumer Toolkit
The new Delta Dental Member Portal is an easy-to-use site that replaces the Consumer Toolkit as the one-stop-shop for benefit information.
Earn Money From Ambetter’s 2021 SEP Bonus Program!
Ambetter's 2021 SEP Bonus Program rewards contracted brokers with a one-time, per-member bonus for eligible members enrolled between February 15, 2021, through May 15, 2021.
Now Available: Increased VTL GI Amounts From Principal
Principal recently announced an increase to their standard voluntary term life guaranteed issue amounts for employee groups with 5 to 99 lives.
Don’t Forget to Remind Your Clients About Anthem’s ARC Form!
Please take a moment to reach out to your clients to ensure that they received the Mewa.io message with the form and if they need your assistance they can simply request your assistance online within the form.
Exciting Updates to Anthem Cornerstone Vision Plan!
Great news! As you know we have a multi-year rate hold for the Anthem Cornerstone Vision Plan with rates now expiring on March 31, 2024.
Aetna’s Extension on Cost Share Waivers
Aetna has provided charts to indicate those cost-sharing waivers they are extending for Aetna’s insured and Aetna Funding Advantage business.
President Biden Extends ACA Open Enrollment with New Executive Order
With a new executive order, President Biden has opened a special enrollment period for the Affordable Care Act from February 15 to May 15, 2021, giving those without employer-sponsored coverage an opportunity to sign up for health insurance coverage.
IMPORTANT: 1094/1095 Filing Dates are Fast Approaching
Cornerstone has created a guide that will assist you with the various carriers and the forms and filing available.
HealthSherpa Bonus Program Rewards Ambetter Sales
Until January 31, 2021, HealthSherpa will pay $50 (in addition to your usual commission) for any off-exchange Ambetter applications you submit through HealthSherpa.
Principal Offers Opportunities to Simplify Group Benefits Management
Principal is offering three opportunities for clients to simplify group benefits management, including eService demos, eBenefits Edge Total Management, and evidence of EOI capabilities.
ODI Agent Licensure Renewal Information
Beginning January 1, 2021 the Ohio Department of Insurance will begin sending license renewal notifications via email instead of U.S. Mail.
CMS Provides Additional Support for Complex Consumer Cases
Consumer-specific complex cases are cases where a consumer has submitted an application for coverage and requires assistance in making a change to their application, plan coverage, reported income, and/or making profile updates.
Have You Registered for UnitedHealthcare’s First Quarter Incentive?
From January 11, 2021, to April 15, 2021, you can earn money for every TriTerm Medical, Health ProtectorGuard, and/or Short-Term Medical (with HealthiestYou) application.
Kentucky ChamberAdvantage Joins MEWA.io
Starting February 1st, the ChamberAdvantage Benefit Plan will begin using the mewa.io digital management system.
SURPRISE! The First Build Your Brand Webinar of 2021!
Join Cornerstone's Jess Larkin for the first webinar of 2021 as she talks about how to improve your brand and how to use it in your marketing.
Update to the Surprise Billing Legislation from Late 2020
While the state legislation did curtail costly bills for peripheral services, it did not impact air ambulances. Here’s what you need to know.
Social Security Spotlight: 2021 Social Security Presentations
People have contributed hundreds of thousands of dollars to the Social Security trust funds but are unsure of the "what," "when," and "how" the system works.
What are the “Transparency in Coverage Regulations”?
These regulations are intended to improve price transparency, as required by the Affordable Care Act.
WealthCare Saver is Anthem’s New HSA Custodian
WealthCare Saver will replace PNC Bank as the custodian of the HSAs in March.
Anthem Releases Multiple Updates Regarding COVID-19
Learn more about who should should be tested for COVID-19, Anthem's vaccines webinar, and extended health plan time frames during the pandemic.
Dental Reminders from Delta Dental
Delta Dental released dental and vision plan rate sheets with rates effective January 1, 2021. Find them here!
ER Doctors at OhioHealth are Staying with Anthem
Anthem reached an agreement with Mid-Ohio Emergency Services to keep them in your clients' health plans.
Medical Mutual Invoice and Group Number Updates
In the update, Medical Mutual clarifies questions regarding ACA dental coverage invoices and shares updates to group numbers going forward.
Check Out Cornerstone’s Round Up of the Top Webinars From 2020
Cornerstone's webinar series will be back in January 2021, but first, we want to take a look back at the best webinars from 2020.
Open Enrollment is Now Over, But the Selling Season Continues
There are still opportunities to sell outside of Open Enrollment. Find out more!
Required Health Plan Coverage for Pfizer-BioNTech COVID-19 Vaccine
Non-grandfathered group health plans and health insurance issuers offering non-grandfathered group or individual health insurance coverage must cover, without cost sharing, COVID-19 immunizations.
UnitedHealthcare Introduces Apple Fitness+ for Motion Members
UnitedHealthcare Motion members will be eligible for five consecutive months of Apple Fitness+ subscription at no additional cost to employers or employees.
The Dental Care Plus Group Continues to Integrate with DentaQuest
The Dental Care Plus Group is now part of, DentaQuest, an organization that manages dental and vision benefits for more than 30 million Americans.
Humana Issuing One-Time Level Funded Premium Credits
In response to the challenges of 2020, Humana is providing a $100 per covered employee covered credit to clients' level-funded premium administration fees.
Medical Mutual Including Premium Credit Clarifications with December Invoices for Some Groups
As a follow up to the premium credits issued to small groups over the past two weeks, two clarifications are being sent with December invoices.
Social Security Spotlight: Social Security Offices Closed to the Public
You cannot visit Social Security Administration offices for an in-person interview. However, a lot can be handled online.
December Anthem Updates to Know About
Anthem releases information about ACA enrollment technology, agreements with physician groups, and Site of Care expansions.
Ohio Department of Insurance Licensing Renewal Notifications Change
Starting January 1, 2021, the ODI will begin sending license renewal notifications by email.
VIDEO: On the Spot with Jennifer Agnello, President
Get to know Cornerstone's President Jennifer Agnello with our new "On the Spot" series! Learn about Jennifer's favorite hobbies, her most memorable moment in the industry, and what drives her every day to do the work that she does.
Client Retention Strategies that Actually Work: Advice from Your Friendly Neighborhood Marketing Specialist
Client retention is a metric of your business’s health and your long-term success. You have the clients—now what are you doing to keep them interested?
Medical Mutual Issuing Premium Credits to Small Group Fully Insured Clients
The credit reduces the groups' applicable December medical, dental and/or vision premiums by 30 percent.
UnitedHealthcare Updated Coverage Details for COVID-19 Testing and Treatment
Due to the public health emergency extension through January 20, 2021, UnitedHealthcare has updated their coverage details for COVID-19.
Win Big with Ambetter’s 2021 New Enrollment Bonus Program!
Earn a one-time, per-member bonus for new Ambetter members you enroll during 2021 Open Enrollment.
In Honor of Our Veterans
Please take the time to PERSONALLY thank these special folks and those who are a part of your lives.
Deadlines for The Dental Care Plus Group January 1 Business
The Dental Care Plus Group has provided updates on shelf rates and deadlines for January 1, 2021, effective dates.
Earn Your Badges with the Camp Molina Bonuses!
Molina Healthcare recently announced their "Camp Molina Bonuses," which reward agents for new and renewing 2021 members.
Attention Individual Agents: Take a Look at the 2021 Carrier County Checklist and Maps!
Cornerstone's individual team has put together a convenient checklist so you can easily track which carriers are in which Ohio counties for 2021.
Misconceptions About Enhanced Direct Enrollment (EDE)
The Centers for Medicare & Medicaid Services addresses four misconceptions about using EDE.
What the Heck is ICHRA?
The Department of Health and Human Services and the Centers for Medicare and Medicaid Services project that by 2029, roughly 800,000 employers will offer ICHRA, covering more than 11 million employees.
Social Security Spotlight: All About Social Security Disability Programs
Both programs use the same disability definition: You must have a physical or mental condition that is expected to last at least 12 months or end in death.
Register for Ambetter’s Midwest Broker Training Webinar
Join Ambetter, a member of America's largest ACA carrier network, to learn about their 2021 individual and family offerings.
Three Great Reasons to Talk Dental from Principal in October
Consider Principal dental if you're looking to move a client to a new dental carrier.
Important Notice Regarding Payments from The Dental Care Plus Group
Effective October 1, 2020, The Dental Care Plus Group's commission payment process will be transitioned to their parent company's (DentaQuest) payment system.
Individual Coverage Health Reimbursement Arrangements: Policy and Application Overview
CMS will host the "Individual Coverage Health Reimbursement Arrangements: Policy and Application Overview Webinar"
Social Security Spotlight: Important Information if You Were Born in 1955
It’s time to do some math so you don’t lose the retirement benefits you could have started taking in January 2021, even if you don’t plan to stop working.
Important Small Group Updates from Aetna Funding Advantage
Learn more about Aetna's new plan sponsor campaign, new fulfillment vendor, 1095-B tax forms, and submission deadlines.
September Anthem News Updates
Anthem provides updates on their Cancer Care Navigator Program, the ACA Preventive Care Drug List, webinars, and more.
Register Today for Oscar’s 2021 Product Training Webinars
Join Oscar to learn about their 2021 Oscar Individual & Family plan offerings.
Employer Action Required! Distribute Medicare Part D Notices by October 15, 2020
Group health plan sponsors must provide Medicare Part D “creditable coverage” notices prior to October 15th, the start date of the Medicare annual enrollment period for Part D, Prescription Drug coverage.
Marketplace Will Use 2020 FPL Guidelines for Coverage Year 2021
The Health Insurance Marketplace will use the 2020 FPL guidelines when making calculations for APTC and income-based CSRs for coverage year 2021 starting November 1, 2020.
Important September Anthem Updates
Recent updates from Anthem regarding plasma donations, phishing scams, and an extension to their dental PPE reimbursement program.
September Updates From Medical Mutual
Updates from Medical Mutual regarding login information for ReportLink, security compliance checklist, potential medication delivery delays, and more.
More Cash and More Plan Options with UnitedHealthOne’s Year-End Incentive
Watch your bonus grow when you meet your baseline of 30 TriTerm Medical, Short Term Medical, and/or Health ProtectorGuard eligible applications
Important Reminders Regarding the New FormFire ACA Quoting Spreadsheets
We hope that you have found the new and improved FormFire quoting spreadsheets useful in presenting the ACA rates to your clients. There are a few important items to keep in mind when presenting the rate information to your group.
RSVP Today! 2021 Small Group Carrier Update Webinars
Join us for these brief, informative sessions focused on small group to get up-to-speed on 2021 plans, what to expect with renewals, and more!
IRS Issues Updated Penalties and Forms for Upcoming Year
The IRS recently issued draft ACA reporting forms and updates to the indexed employer shared responsibility amounts.
GREAT NEWS: Aetna and Cleveland Clinic to Offer New Plans for Employers
Aetna has partnered with Cleveland Clinic to offer new plans and programs featuring Cleveland Clinic providers.
Plan Year 2021 Marketplace Registration and Training is LIVE
Don't wait! Agents with active on-exchange plans who want to receive renewal compensation must re-certify by the end of 2020.
REGISTER TODAY: Ohio Broker Virtual Continuing Education Opportunity
The topic will be Apples-to-Apples LTD, a breakdown of contract provisions you will find when reviewing long-term disability proposals.
Anthem Updates: New Producer Toolbox Dashboards, Live Chat, and More
Updates include Producer Toolbox Enhancements, XPRIZE, and the EmployerAccess Mobile App.
Anthem Will Issue MLR Rebates in August
In an effort to ease the financial burden of the COVID-19 pandemic, Anthem will fast-track the MLR rebates to August.
Social Security Spotlight: Create a “My Social Security” Account Today
Every adult over the age of 18 should create a “My Social Security” account and take care to keep their ID and passwords up to date, changing them annually.
Why Aetna International?
If you have a group customer that has some sort of International exposure, Aetna International has the tools, resources, and plan offerings needed to ensure your valued customer is properly taken care of.
Employee Benefit Extensions for the COVID-19 Pandemic: COBRA, FSA, HRA, and More
Understand the 8 employee benefit extensions designed to help employees and COBRA beneficiaries during the COVID-19 pandemic
All Savers Now Available for Companies with 100 to 300 Employees
All Savers availability will be expanded to include groups sized 100 to 300, as well as groups with more than 100 eligible and at least 75 enrolled employees.
Important ACA Updates From Medical Mutual
Product updates, coverage changes, and business tips from Medical Mutual.
Sell More and Earn More with the Anthem New Business Bonus
New Southern Ohio Chamber Alliance Benefit Plan and ACA groups sold with effective dates between August 1, 2020, and December 31, 2020, are eligible.
WEBINAR WITH CE AVAILABLE: Get the Latest Updates on Aetna’s New Plans for Groups
The Aetna team will review updates to their plan portfolio available September 1, review their current plans and value adds.
Healthcare.gov New Federal Pandemic Unemployment Compensation Video
CMS released a video about reporting federal pandemic unemployment compensation. Click here to watch the video.
Earn Money with Humana’s Ancillary Bonus Programs!
It’s as easy as 1,2,3 to earn additional money with Humana ancillary products (dental, vision, and life).
FormFire: Essential Technology in the Small Group Market
For brokers who want to compete in today’s small group market in Ohio, access to FormFire is essential.
EFFECTIVE IMMEDIATELY: Humana Small Group Quoting Requirements
Humana has released new requirements for quoting Level Funded and NKY Chamber products.
UnitedHealthcare Fully Insured Groups and the MEWA Will Receive Premium Credits Due to COVID-19
These measures build upon UHC's ongoing efforts to address COVID-19 challenges by expanding coverage, supporting the health care system, protecting the health care work force and assisting those most affected by the pandemic.
Anthem SOCA BP 2019 Summary Annual Reports are Available
The 2019 Summary Annual Reports (SARs) for participating employers in the Anthem SOCA BP are available for download in the group's Manage Documents folder.
Anthem MEWA Groups Will Receive Premium-Equivalent Credits
As a response to the challenges presented by COVID-19, Anthem will provide premium-equivalent credits the MEWA benefit plan sponsor groups based on April 2020 medical invoices.
HEADS-UP: Marketplace Learning Management System Will Close July 17
The Marketplace Learning Management System (MLMS) will close or "go dark" starting July 17 in preparation for the launch of registration and training for plan year 2021.
Information About The Dental Care Plus Group’s Shelf Rate Reduction
The Dental Care Plus Group has reduced all dental shelf rate premiums by five percent for effective dates of July 1, 2020, through December 1, 2020.
PCORI Fees Due to IRS No Later Than July 31, 2020
Fees to fund the Patient-Centered Outcomes Research Institute (PCORI) are due to the IRS no later than July 31, 2020, from employers who sponsor certain self-insured health plans.
Learn More About Companion Life’s 2020 Broker Bonus Program
For cases of 10 or more enrolled with two coverages added per group (existing and new), brokers can earn a $100 bonus per coverage written.
Network and Program Updates From Medical Mutual
These updates include VSP network updates and enhancements to Chronic Condition Management Program.
Cornerstone Wins Top Workplace for Sixth Consecutive Year!
The anonymous survey uniquely measures 15 drivers of engaged cultures that are critical to the success of any organization: including alignment, execution, and connection, just to name a few.
WEBINAR: Learn About Anthem’s SmartShopper Cost of Care Tool
Anthem is expanding its offering of SmartShopper to all Ohio fully insured groups and will be offering to ASO clients starting July 1, 2020.
Saving You Time on ACA Quotes: ACA Quoting Changes Effective June 1, 2020
Cornerstone agents will receive ACA quotes in an Excel template format with plan design details starting June 2020.
SOCA Benefit Plan and MEWA.io Walkthrough Video
MEWA.io will help to simplify the administration processes and maintain compliance to ERISA.
UnitedHealthcare Announces Premium Credits for Clients
As you may have heard, UnitedHealth Group recently announced more than $1.5 billion in assistance and premium support to customers.
Aetna Funding Advantage Announces New Plan and Network Options
Aetna Funding Advantage recently announced new plan and network options, pharmacy offerings, and member programs and resources for small business clients.
Surprise Billing Behind the Scenes
Out-of-network “balance billing,” or “surprise billing,” occurs mostly when a patient sees a provider who is not contracted with a given insurance carrier during the course of a treatment or procedure or in an emergency when they are transported, unknowingly, by an out-of-network service provider.
Ameritas Offers COVID-19 Benefit Enhancements
In an effort to help customers maintain their benefit coverage and good health during the pandemic, Ameritas as extended premium grace periods for all their customers and eliminated renewal rate increases for many groups.
Take Advantage of Golden Rule’s New Bonus Program!
When you meet your baseline of 10 eligible applications submitted between May 18, 2020–August 31, 2020, you can be enjoying more than the nice weather.
IRS Announces 2021 HSA Contribution Limits, HDHP Minimum Deductibles, and HDHP Out-of-Pocket Maximums
The IRS has released the 2021 cost-of-living adjusted limits for health savings accounts and high-deductible health plans.
UnitedHealthcare’s Broker Renewal Packets Go Paperless
As a part of UnitedHealthcare’s Go Green initiative and due to the number of brokers now working from home, UnitedHealthcare will no longer send hard copy renewal packets to their broker and general agent partners.
SOCA MEWA Product Dues Were Incorrectly Credited to June Invoices
Please be advised that Anthem is working to correct and adjustments will be made.
The Dental Care Plus Group Premium Relief for our Employer Groups and Individuals
The Dental Care Plus Group is offering employer groups and commercial individual members a 50 percent credit for April premiums paid and 50 percent credit for self-funded administration fees paid in April.
WEBINAR: Learn About Humana’s On Hand Plan
On Hand members have access to virtual care without needing to leave their homes
Don’t Forget Open Enrollment for the Anthem Chamber Advantage is Open!
The open enrollment’s last day to enroll is June 30, 2020.
Principal to Provide 10% Premium Dental Credit to Employers
Principal is providing a premium credit of 10% for the months of June through October 2020 to employers, based on the prior month's bill premium, who have a fully insured dental policy with them.
The Benefits of Enhanced Direct Enrollment
Consider using Enhanced Direct Enrollment, which allows you to remotely assist your clients with applying for, enrolling in, and managing Marketplace coverage.
Information About the Medical Mutual Employee Care Card
Medical Mutual recently announced their new Employee Care Card, which allows employers to provide tax-advantaged financial assistance to employees during the COVID-19 pandemic.
DOL Issues Benefit Extensions During COVID-19 National Emergency
The goal of the benefit extensions is to minimize the possibility of individuals losing benefits because of a failure to comply with an applicable timeframe.
Updates From UnitedHealthcare: Individual Coverage Options, COVID-19 FAQs, and Template Emails
Check out all the new resources and initiatives from UnitedHealthcare!
Delta Dental Announces Pandemic Relief Program
Delta Dental recently announced their Pandemic Relief Program, which is focused on easing financial burden for clients in the wake of the COVID-19 pandemic.
Cornerstone to Begin Returning to Offices Over Next Couple Weeks
Following the guidance released from the state of Ohio, Cornerstone is pleased to announce that our staff will slowly return to their offices over the next several weeks.
The Supreme Court’s ACA Ruling and What it Might Mean
According to ThinkAdvisor, the U.S. Supreme Court's ACA ruling could "add some stability to the individual and family major medical insurance market, at a time the COVID-19 is shaking everything up."
Important News About UnitedHealthcare Short-Term Medical Plans
Golden Rule's short-term medical product in Ohio will now be replaced by UnitedHealthcare's new short-term medical plans starting May 1.
WEBINAR: Increase Your Income by 30 Percent!
Agents will learn how to use telesales during this really unusual time and be able to do a "simple customer service call" and transition into a sale.
PCORI Fee Has Been Extended 10 Years
This means that fully insured and self-insured health plans must continue to pay these fees through 2029.
Aetna Funding Advantage Administrative Fee Credit
With Aetna Funding Advantage plans, your groups can now earn a $100 administrative fee credit per enrolled employer for new business
Carriers Offering Off-Cycle Plan Changes Due to COVID-19
Currently, three of the major medical carriers are offering an opportunity for employers to either buy-down their current option(s) or to add additional lower priced options to their current benefit offering.
SOCA Product Dues Invoicing Change
SOCA Participating Employers are required to execute a Participating Business Acknowledgement agreement, which requires the payment of product dues.
Boost Your Earnings with Anthem’s Individual SEP Broker Bonus Program
Anthem's Individual SEP Broker Bonus Program rewards agents with a one-time bonus of $150 for each member enrolled in an Individual ACA on- or off-exchange plan.
Medical Mutual Extends Transitional ACA Policies Through 2021
Following the Ohio Department of Insurance's memo extending transitional policies through 2021, Medical Mutual will allow their transitional individual and small group business to renew their non-ACA-compliant coverage through the 2021 plan year.
Ohio Insurance License Renewal and Continuing Education Relief During COVID-19
The Ohio Department of Insurance recently announced that Governor DeWine signed House Bill 197, which includes relief to insurance license-holders whose license expires during the coronavirus pandemic.
How to Determine Medicare Creditable Coverage
The law requires that each employer offering prescription drug benefits as part of their employee benefit plan must notify any Medicare-eligible participant and the federal government if the coverage offered is at least as good as the standard Medicare prescription drug plan.
Coronavirus Stimulus Payments: What You Need to Know
Cornerstone put together a guide that answers all your questions about direct payments.
Update to FormFire Client Services Hours
Effective Monday, March 30, 2020, FormFire's Client Services hours will temporarily change to 9:00 am to 5:30 pm EST.
UPDATE FROM ODI: Health Insurance Coverage Flexibility for Ohio Employees
The Ohio Department of Insurance (ODI) released a Bulletin on Friday with orders regarding insurers' response to the COVID-19 threat.
IMPORTANT: Legislative Guidance Regarding COVID-19
As we all navigate through the COVID-19 pandemic, the carriers are issuing guidance with coverage details on diagnosis, testing, and treatment of the virus.
Required Tax Forms for Clients Enrolled in Marketplace Who Have Received Premium Tax Credits
Consumers who have enrolled in coverage through the Health Insurance Marketplace and have received payments of the premium tax credit (APTC) must use Form 1095-A to complete Form 8962 when they file their 2019 federal income taxes.
IMPORTANT: Carrier Guidance Regarding COVID-19
As we all navigate through the COVID-19 pandemic, the carriers are issuing guidance with coverage details on diagnosis, testing, and treatment of the virus.
Cornerstone’s COVID-19 Mandatory Remote Work Policy
We have been preparing for this situation and our expectation is to have minimal disruption in the support that we provide to you, our partners. Our team is properly equipped to manage the business at hand remotely.
We Want to Help You and Your Group Clients!
If you have employee benefit clients who are laying off employees, clients who are thinking about ceasing to offer group health insurance coverage due to the coronavirus (COVID-19) pandemic, or if you know of individuals in need, we have solutions to assist your clients and help you retain potential lost revenue.
An Update From Cornerstone Regarding Coronavirus COVID-19
Cornerstone is continually monitoring developments about the coronavirus COVID-19, with the health and safety of our broker partners and our employees at the front of mind.
Updates Regarding the UnitedHealthcare Ohio Chamber MEWA
UnitedHealthcare (UHC) is offering a bonus to agents who sell the new Ohio Chamber Health Benefit Plan MEWA medical plans with effective dates in May 2020.
IRS Releases 2019 Form 8889 and Instructions for HSA Reporting
The IRS recently released the 2019 version of Form 8889 for Health Savings Accounts (HSA) and its instructions.
IRS Allows HDHPs to Cover COVID-19 Testing and Treatment With No or Low Deductible
The Internal Revenue Service (IRS) has issued a notice allowing high-deductible health plans (HDHPs) to provide benefits associated with testing for and treatment of the 2019 Novel Coronavirus (COVID-19) without a deductible, or with a deductible below the applicable HDHP minimum deductible (self-only or family).
Extension of Transitional Policy for Non-ACA Compliant Plans Through Calendar Year 2021
On January 31, 2020, the Center for Consumer Information and Insurance Oversight (CCIIO) issued an Insurance Standards Bulletin extending CCIIO's transitional policy through calendar year 2021, provided that all policies begin on or before October 1, 2021 and end by December 31, 2021.
ATTENTION BROKERS: Take Advantage of Our Partnership with Delta Dental of Kentucky
Cornerstone is excited to announce that, as of February 1, 2020, we have officially partnered with Delta Dental of Kentucky for groups 2 to 99.
Sanders Embraces New Study That Lowers “Medicare For All’s” Cost, But Skepticism Abounds
This post was originally created and published by PolitiFact.
Answering Your Questions About Autopilot!
This program offers the services of licensed representatives to quote, enroll, support, and provide year-round service to clients that may fall out of your business scope, but never off your radar!
UnitedHealthcare Clients Access Real Appeal with Rally Coach
As of February 18, 2020, employees using UnitedHealthcare's Real Appeal weight loss program will access their accounts via the Rally Coach web experience.
Reminder: ACA 1094/1095 Reporting Requirements for 2019
Cornerstone recently released the ACA 1094/1095 Reporting Requirements for 2019.
January 2020 Anthem Updates
Drug list changes, retail stores updates, SOCA benefit plan modifications, and more.
Ohio Chamber MEWA Extends Membership Discount
The Ohio Chamber has decided to extend their $100 discount to enrolling employer groups through the end of August 2020.
Anthem KY ChamberAdvantage Plans Include Two Separate Fees
Make sure your clients understand that they have to pay the chamber both membership dues and product dues.
Anthem Anywhere App Retires January 20 (OH, IN, KY)
Anthem recently communicated to clients that Sydney Health is replacing the Anthem Anywhere mobile app
IRS Extends 2019 ACA Reporting Deadline
The IRS extended the Affordable Care Act reporting deadline to March 2, 2020.
Check Out Humana’s Most Recent Updates!
Humana has released updates regarding Go365, Doctor on Demand, and the 2020 Producer Guide.
IMPORTANT: Anthem SOCA MEWA Product Dues
Anthem has provided a list of groups with delinquent SOCA BP product dues that need to be paid by January 15, 2020, or the employer will not receive a May 1, 2020, renewal.
Anthem SOCA BP 1095 Tax Forms Available February 3
According to FormFire, the Plan Administrator for the SOCA Benefit Plan is preparing the completed 1094-B and 1095-B Tax Forms on behalf of participating employers in the SOCA Benefit Plan.
Humana’s 2020 Specialty Product Bonus Programs
Humana offers bonuses for new specialty lines of coverage for effective dates between February and July of 2020.
Congress Repeals Cadillac Tax and Health Insurance Tax
The legislation fully repeals the Cadillac Tax and repeals the HIT effective January 1, 2021.
Medical Mutual’s SuperDental Network Expands Provider Options
This new network will provide dental members with nearly 1,600 more dental providers than the current network.
Emergency Medicine Physicians of Cincinnati is Leaving Anthem’s Networks
Pending final negotiations, Emergency Medicine Physicians of Cincinnati will leave Anthem's networks effective December 24, 2019.
What Drives the High Cost of Health Care?
From all perspectives, there is no one single cause for the rise in costs, nor is there a single solution to contain them.
Grow your Business With The Standard’s Partnership Rewards Producer Bonus Program
The Standard’s Partnership Rewards producer bonus program offers incentives for small business sales, as well as large cases, and rewards new and retained business.
Social Security Spotlight: 2020 Social Security Information
As you read through the changes, pay particular attention to the Retirement Earnings Test Exempt Amounts.
Take Advantage of Principal’s Broker Bonus Program
Increase your earning potential with Principal. Place new business and retain business and you may be eligible for their group benefit bonus programs.
FormFire Introduces Condition Selector
In an ongoing effort to enhance the medical underwriting process while making our user experience as seamless and easy as possible, FormFire has made changes to the Employee Interview.
Quoting the Ohio Chamber MEWA for Current UHC and AllSavers Group Customers
UnitedHealthcare (UHC) is not requiring applications at this time to review the suitability of current cases for the Ohio Chamber MEWA.
Shopper’s Guide to Navigating Discount Drug Programs
In the face of soaring drug prices, consumers have found an ally in their local big box stores, such as Walgreens, Walmart, Kroger, Target, etc. Roughly 4 out of 10 Americans rely on these programs to find savings for their prescription drugs.
October Medical Mutual Updates: Changing Payments, Deadlines, and Individual Market Updates
Click here for Medical Mutual employee benefits and individual updates that you need to know ahead of the busy season!
Medical Mutual’s 2020 Small Group ACA Plan Grids are Now Available
Medical Mutual’s updated plan grids, benefit highlight sheets, and Summary of Benefits and Coverage (SBC) documents are now available for the 2020 Small Group ACA rollout.
Employer Action Required! Distribute Medicare Part D Notices by October 15, 2019
Group health plan sponsors must provide Medicare Part D “creditable coverage” notices prior to October 15th, the start date of the Medicare annual enrollment period for Part D, Prescription Drug coverage.
Cornerstone is a Top Workplace for the Fifth Year in a Row!
The Top Workplace honors are awarded based solely on employee feedback gathered through an administered third-party survey. We continue to keep our top-ten standing, ranking #8 out of the 60 small businesses on the list this year.
2019 HSA Refresher: The Ins and Outs
As deductibles continue to rise and these numbers continue to grow, it is important to know the ins and outs of HSAs so that we can better advise our clients.
The Importance of Wrap Documents
Are you looking to provide even more value for your group clients?
What are Association Health Plans?
The Trump Administration and the United States Department of Labor (DOL) announced new rules for Association Health Plans (AHP). The new rules allow insurance carriers to expand access to the market for fully insured plans beginning September 1, 2018, and on January 1, 2019, for self-funded plans.
The Holy Grail of Advertising: The Importance of Referrals From Your Clients
It can’t be said enough: Referrals are one of the most important components of a successful inbound sales strategy.
Short-Term Health Insurance: A New, More Affordable Option
Many short-term plans come with additional perks and benefits such as wellness, telemedicine, etc.
You Have a Lot to Offer! Increasing Revenue with Ancillary Sales
Add-on products or ancillary sales can account for as much as twenty percent of additional business revenue.
What’s Old is New Again: Recycling in the Individual Market
The title of one of my favorite movies, Back to the Future, seems apropos when compared to today’s individual health insurance market. With the Affordable Care Act (ACA) being anything but affordable, many consumers are looking for alternative options to cover themselves and their families.
Set Yourself Apart with Level-Funded Health Plans
What if you could provide hope, grow your book of business, and add unique value to help your small business clients save money all at the same time?
Are You Ahead of the Small Group Game?
If you are at all involved in the sales and/or service of small group insurance products, you have likely encountered MEWAs or been asked to advise on the pros and cons of such an arrangement.
You Don’t Have to be Zuckerberg to be in “The Social Network”
You can create a simple social media strategy that facilitates your business’s growth and augments your communication with customers.
Opioid Use Disorder: An Epidemic That Does Not Discriminate
Recently I attended a seminar on what has become the nation’s number one health care crisis: opioid use. It was a wake-up call to some astonishing information. Our industry has begun to feel the devastating effects and so far there is no end in sight.
Exploring ACA Alternatives
As ACA premiums continue to rise, so does the need for ACA alternatives.