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.
June 24, 2022/by Cornerstone

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.
June 24, 2022/by Cornerstone

The Updated Medical Mutual COSE MEWA Small Employer Exception Form is Available

An updated COSE MEWA Small Employer Exception form has been posted to This form, with a revision date of June 2022 (6/22) replaces the April 2022 (4/22) version.
June 17, 2022/by Cornerstone

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.
June 17, 2022/by Larry Grudzien

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.
June 3, 2022/by Cornerstone

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.
June 3, 2022/by Cornerstone

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.
June 3, 2022/by Cornerstone

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. 
June 3, 2022/by Cornerstone

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.
May 20, 2022/by Cornerstone

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.
May 20, 2022/by Cornerstone

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.
May 20, 2022/by Cornerstone

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.
May 20, 2022/by Cornerstone

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. 
May 13, 2022/by Shelly Brownell

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.
May 13, 2022/by Cornerstone

Medical Mutual Pharmacy Benefit Changes Effective July 1, 2022

Several changes to members' pharmacy benefits include updates to formularies and drug exclusion lists.
May 6, 2022/by Cornerstone

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
May 6, 2022/by Cornerstone

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.
May 5, 2022/by Larry Grudzien

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.
April 29, 2022/by Cornerstone

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.
April 29, 2022/by Cornerstone

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.
April 29, 2022/by Cornerstone

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.
April 22, 2022/by Cornerstone

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.
April 14, 2022/by Cornerstone

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.
April 14, 2022/by Cornerstone

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.
April 8, 2022/by Cornerstone

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.
April 1, 2022/by Cornerstone

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.
April 1, 2022/by Cornerstone

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.
April 1, 2022/by Cornerstone

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.
March 25, 2022/by Jeff Lewis

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.
March 25, 2022/by Cornerstone

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. 
March 18, 2022/by Cornerstone

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.
March 18, 2022/by Larry Grudzien

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.
March 11, 2022/by Cornerstone

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).
March 11, 2022/by Cornerstone

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.
March 11, 2022/by Cornerstone

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.
March 10, 2022/by Cornerstone

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.
March 4, 2022/by Cornerstone

UnitedHealthcare Extends Member Level Census Underwriting

Underwriting is for groups with at least 10 enrolling employees who have current coverage (virgin groups excluded).
February 25, 2022/by Cornerstone

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
February 18, 2022/by Kim Kinnaird

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.
February 18, 2022/by Cornerstone

IMPORTANT UHC Small Business Update: Welcome to!

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.
February 18, 2022/by Cornerstone

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.
February 11, 2022/by Cornerstone

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.
February 4, 2022/by Cornerstone

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.
January 31, 2022/by Cornerstone

UnitedHealthcare Keeps it Simple with Their Quoting Process and Plan Designs

UnitedHealthcare is extending their member level census underwriting through March 1, 2022.
January 27, 2022/by Cornerstone

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.
January 27, 2022/by Cornerstone

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.
January 21, 2022/by Cornerstone

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.
January 21, 2022/by Cornerstone

Humana COVID-19 At-Home Testing Updates

Beginning January 15, 2022, Humana will cover over-the-counter…
January 17, 2022/by Cornerstone

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.
January 17, 2022/by Cornerstone

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.
January 17, 2022/by Cornerstone

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.
January 14, 2022/by Larry Grudzien

Humana Go365 Updates for January 2022

Your resource for small group (2 to 99 eligible) Go365 questions and education.
January 14, 2022/by Cornerstone

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.
January 14, 2022/by Cornerstone

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.
January 11, 2022/by Cornerstone

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.
January 7, 2022/by Cornerstone

Earn as You Enroll New Members in Ambetter

Contracted agents can earn a one-time, per member bonus for eligible new members they enroll!
January 7, 2022/by Cornerstone

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
January 7, 2022/by Cornerstone

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.
January 7, 2022/by Cornerstone

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.
December 29, 2021/by Cornerstone

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.
December 29, 2021/by Cornerstone

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.
December 22, 2021/by Cornerstone

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.
December 22, 2021/by Cornerstone

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.
December 22, 2021/by Cornerstone

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.
December 17, 2021/by Cornerstone

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.
December 10, 2021/by Cornerstone

Delta Dental of Kentucky Releases 2022 Rates

Delta Dental of Kentucky recently provided rate sheets for their 2022 plans.
December 10, 2021/by Cornerstone

IRS Releases Updated Benefit Limits for 2022

As always, Cornerstone has provided a comprehensive guide to each year's limits.
December 6, 2021/by Cornerstone

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).
December 6, 2021/by Cornerstone

Important Update From MMO COSE MEWA Regarding Annual Membership Dues

Medical Mutual's new COSE dues schedule (below) will take effect…
December 3, 2021/by Cornerstone

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.
December 3, 2021/by Cornerstone

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.
December 3, 2021/by Jessica Larkin

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.
November 24, 2021/by Cornerstone

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. 
November 19, 2021/by Cornerstone

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.
November 19, 2021/by Cornerstone

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.
November 12, 2021/by Cornerstone

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.
November 12, 2021/by Cornerstone

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.
November 12, 2021/by Cornerstone

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.
November 12, 2021/by Cornerstone

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.
November 12, 2021/by Cornerstone

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.
November 5, 2021/by Dennis Heywood

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!
November 5, 2021/by Cornerstone

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.
November 5, 2021/by Cornerstone

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.
October 29, 2021/by Cornerstone

Big Updates for the ChamberCare Health Alliance MEWA Plan

Starting January 1, 2022, the ChamberCare Health Alliance MEWA plan will begin partnering with and myCobraPlan to offer COBRA services for COBRA-eligible groups.
October 29, 2021/by Cornerstone

Anthem SOCA MEWA 2022 Product Guide

This guide shows each plan summary available to quote as of January 1, 2022.
October 29, 2021/by Cornerstone

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.
October 25, 2021/by Cornerstone

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.
October 22, 2021/by Cornerstone

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.
October 22, 2021/by Cornerstone

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.
October 22, 2021/by Cornerstone

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.
October 21, 2021/by Cornerstone

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.
October 18, 2021/by Cornerstone

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.
October 18, 2021/by Cornerstone

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.
October 15, 2021/by Cornerstone

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 15, 2021/by Cornerstone

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.
October 8, 2021/by Cornerstone

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!
October 8, 2021/by Cornerstone

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.
October 1, 2021/by Cornerstone

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.
October 1, 2021/by Cornerstone

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.
October 1, 2021/by Cornerstone

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.
October 1, 2021/by Cornerstone

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.
October 1, 2021/by Cornerstone

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.
September 29, 2021/by Cornerstone

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.
September 20, 2021/by Cornerstone

Important Updates from The Dental Care Plus Group Regarding 2022 Plans

Information about shelf rates, PPO plans and networks, and deadlines.
September 17, 2021/by Cornerstone

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.
September 17, 2021/by Cornerstone

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).
September 17, 2021/by Cornerstone

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 10, 2021/by Cornerstone

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.
September 10, 2021/by Cornerstone

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.
September 3, 2021/by Cornerstone

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.
September 3, 2021/by Cornerstone

UPDATE: Aetna Pricing Changes to Teladoc

The Teladoc product pricing balances rising costs of medical costs with market competitive rates for telemedicine vendors. 
September 3, 2021/by Cornerstone

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.
August 30, 2021/by Cornerstone

ATTENTION KY AGENTS: Complete the SBM Registration Web-Based Training

If you are operating on, you are required to complete this training prior to September 24, 2021 in order to keep your association with any policy up for renewal.
August 27, 2021/by Cornerstone

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.
August 27, 2021/by Cornerstone

UnitedHealthcare Q4 Vision Rate Card

These cards can be used instead of a group specific quote and benefit summaries are embedded in the PDFs.
August 27, 2021/by Cornerstone

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.
August 20, 2021/by Cornerstone

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.
August 20, 2021/by Cornerstone

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.
August 20, 2021/by Cornerstone

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.
August 20, 2021/by Cornerstone

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.
August 20, 2021/by Cornerstone

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.
August 16, 2021/by Cornerstone

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.
August 13, 2021/by Cornerstone

Here are the Latest Updates on Humana’s Go365 Platform

Learn more about personalized insights, member resources, webinars, and more.
August 13, 2021/by Cornerstone

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.
August 6, 2021/by Cornerstone

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.
August 6, 2021/by Cornerstone

Important Humana Small and Large Group Updates That You Need to Know About

Product, bonus, and tool updates from Humana.
August 6, 2021/by Cornerstone

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.
August 2, 2021/by Cornerstone

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.
August 2, 2021/by Cornerstone

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.
August 2, 2021/by Cornerstone

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.
August 1, 2021/by Cornerstone

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.
August 1, 2021/by Cornerstone

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.
August 1, 2021/by Cornerstone

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).
July 26, 2021/by Cornerstone

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
July 26, 2021/by Cornerstone

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.
July 26, 2021/by Cornerstone

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.
July 22, 2021/by Cornerstone

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.
July 15, 2021/by Cornerstone

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.
July 14, 2021/by Cornerstone

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.
July 14, 2021/by Cornerstone

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.
July 12, 2021/by Cornerstone

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.
July 12, 2021/by Cornerstone

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.
July 12, 2021/by Cornerstone

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.
July 2, 2021/by Cornerstone

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.
July 2, 2021/by Cornerstone

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.
July 2, 2021/by Cornerstone

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.
July 1, 2021/by Cornerstone

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.
June 25, 2021/by Dennis Heywood

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.
June 25, 2021/by Cornerstone

Anthem OFB Benefit Plan & Frequently Asked Questions

The Anthem OFB Benefit Plan will begin offering, a digital MEWA management system, on July 1, 2021.
June 25, 2021/by Cornerstone

Anthem Small Group Updates for June 2021

This monthly update includes information about SOCA EmployerAccess, cost share waivers, ARPA COBRA requirements, and more.
June 25, 2021/by Cornerstone

OneAmerica Offers Option to Submit Disability Claims Online

The fillable PDF claim forms has been updated to a user-friendly, online DocuSign tool.
June 25, 2021/by Cornerstone

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.
June 25, 2021/by Cornerstone

Humana Transitions Go365 Engagement Needs to Inside Engagement Professional

Humana has transitioned their Go365 engagement needs to an Inside Engagement Professional: Araceli Castillo.
June 18, 2021/by Cornerstone

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.
June 18, 2021/by Cornerstone

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.
June 18, 2021/by Cornerstone

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.
June 18, 2021/by Jeff Lewis

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.
June 11, 2021/by Cornerstone

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.
June 11, 2021/by Cornerstone

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.
June 11, 2021/by Cornerstone

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.
June 10, 2021/by Cornerstone

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.
June 9, 2021/by Cornerstone

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.
June 9, 2021/by Cornerstone

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.
June 4, 2021/by Cornerstone

CMS Encourages Companies to Promote Quality, Affordable Health Coverage for Gig Workers Through

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.
May 27, 2021/by Cornerstone

Why Should You Sell Humana? May Small Group and Large Group Updates

Humana plans have excellent contracts that include these exceptional benefits...
May 27, 2021/by Cornerstone

CMS WEBINAR: Overview of New Health Reimbursement Arrangements

If you’d like to attend this webinar, register today.
May 27, 2021/by Cornerstone

May 2021 UnitedHealthcare Updates

UnitedHealthcare released information regarding digital ID cards, Real Appeal, and a new bundling program.
May 21, 2021/by Cornerstone

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.
May 21, 2021/by Cornerstone

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).
May 21, 2021/by Cornerstone

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.
May 21, 2021/by Cornerstone

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.
May 17, 2021/by Cornerstone

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.
May 14, 2021/by Cornerstone

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.
May 14, 2021/by Cornerstone

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.
May 14, 2021/by Cornerstone

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.
May 14, 2021/by Cornerstone

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.
May 10, 2021/by Cornerstone

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.
May 10, 2021/by Cornerstone

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.
May 10, 2021/by Cornerstone
Anthem Renewal Fee for Ohio Brokers

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.
May 10, 2021/by Cornerstone

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.
April 30, 2021/by Cornerstone

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.
April 30, 2021/by Cornerstone

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.
April 30, 2021/by Cornerstone

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.
April 30, 2021/by Cornerstone

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.
April 30, 2021/by Cornerstone

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.
April 30, 2021/by Shelly Brownell

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.
April 30, 2021/by Cornerstone

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.
April 30, 2021/by Cornerstone

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.
April 30, 2021/by Cornerstone

Ohio Farm Bureau MEWA Available Again For Quoting

Look for updated training and a refresher course for agents interested in selling this product soon!
April 30, 2021/by Cornerstone

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.
April 30, 2021/by Cornerstone

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.
April 23, 2021/by Cornerstone

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.
April 23, 2021/by Cornerstone

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.
April 16, 2021/by Cornerstone

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.
April 16, 2021/by Cornerstone

The BusinessPlans ARPA COBRA Response Plan

If your office represents a MEWA participating employer, here is the ARPA COBRA Response Plan, provided by BusinessPlans.
April 9, 2021/by Cornerstone

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.
April 8, 2021/by Cornerstone

Get Rewarded for Your Sales Efforts with Principals 2021 Bonus Programs

Principal's 2021 bonus programs rewards agents for new and retained business.
April 8, 2021/by Cornerstone

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
April 5, 2021/by Cornerstone

April Updates Regarding Aenta Funding Advantage

Aetna provides updates regarding admin credits, dual option, and new business submission deadlines.
April 5, 2021/by Cornerstone

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.
April 5, 2021/by Cornerstone

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.
April 5, 2021/by Cornerstone

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.
April 5, 2021/by Cornerstone

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.
April 5, 2021/by Cornerstone

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.
April 1, 2021/by Cornerstone

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.
April 1, 2021/by Cornerstone

Humana Updated Quote Coversheets

Completing all the information should help to improve response time from Humana on prescreen requests.
March 26, 2021/by Cornerstone
UnitedHealthcare introduces teledentistry

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.
March 26, 2021/by Cornerstone

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.
March 26, 2021/by Cornerstone

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. 
March 26, 2021/by Cornerstone

AUL Online Life Claim Submission Now Available Via DocuSign

AUL recently implemented a new digital solution for submitting Employee Benefit Life Claims.
March 26, 2021/by Cornerstone
CMS Extends 2021 Special Enrollment Period in Response to American Rescue Plan Act

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.
March 25, 2021/by Cornerstone

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.
March 24, 2021/by Cornerstone
UnitedHealthcare 2021 Bundling Program

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.
March 19, 2021/by Cornerstone
Anthem new health insurance broker bonus programs for new and renewing clients

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.
March 19, 2021/by Cornerstone
Camp Molina New 2021 SEP bonus program

Earn Your SEP Camp Molina Bonus Badge!

Molina Healthcare recently announced their New 2021 SEP Member Agent Bonus.
March 18, 2021/by Cornerstone

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.
March 12, 2021/by Cornerstone
The Impact of COVID Relief Package on Health Insurance Premiums

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.
March 11, 2021/by Jennifer Agnello
Anthem Tools for Health Insurance Brokers

Anthem COVID-19 Vaccines Flyer and New Dental Cost Estimator

Anthem has provided new tools for brokers to provide to their clients.
March 5, 2021/by Cornerstone
Anthem Suspends Key Health Plan Timeframes

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.
February 26, 2021/by Cornerstone
How to resolve Social Security issues

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.
February 26, 2021/by Dennis Heywood
Delta Dental Introduces Brand-New Member Portal for Benefit Management

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.
February 26, 2021/by Cornerstone
Ambetter 2021 Special Enrollment Period Bonus Program for Health Insurance Agents

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.
February 23, 2021/by Cornerstone
Increased voluntary term life guaranteed issue amounts from Principal health insurance

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.
February 19, 2021/by Cornerstone

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 message with the form and if they need your assistance they can simply request your assistance online within the form.
February 16, 2021/by Cornerstone
2021 Cornerstone Anthem Vision Plan for Employers

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.
February 9, 2021/by Cornerstone

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.
February 5, 2021/by Cornerstone
President Biden Extends ACA Open Enrollment Starting February 15, 2021

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.
January 28, 2021/by Cornerstone
2020 ACA 1094/1095 Reporting Requirements for Employers

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.
January 25, 2021/by Cornerstone
HealthSherpa offers $50 bonus for Ambetter applications

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.
January 22, 2021/by Cornerstone
Principal offers options to simplify group benefits management

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.
January 22, 2021/by Cornerstone
Ohio Department of Insurance Health Insurance Agent Licensure Renewal Information

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.
January 15, 2021/by Cornerstone
CMS Provides Additional Support for Complex Health Insurance Consumer Cases on the Marketplace

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.
January 15, 2021/by Cornerstone
UnitedHealthcare Health Insurance Incentive Program for Brokers and Agents in 2021

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.
January 15, 2021/by Cornerstone

Kentucky ChamberAdvantage Joins

Starting February 1st, the ChamberAdvantage Benefit Plan will begin using the digital management system.
January 15, 2021/by Cornerstone
Build Your Brand Webinar: How to Improve Your Existing Brand

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.
January 14, 2021/by Cornerstone
Update to "Surprise Billing" health insurance legislation in the State of Ohio as it pertains to air ambulances and the COVID-19 relief bill

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.
January 8, 2021/by Kim Kinnaird

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.
January 8, 2021/by Dennis Heywood
What are the Transparency in Coverage Regulations as they relate to the Affordable Care Act, or Obamacare?

What are the “Transparency in Coverage Regulations”?

These regulations are intended to improve price transparency, as required by the Affordable Care Act.
January 8, 2021/by Jennifer Agnello
WealthCare replaces PNC Bank as Anthem health insurance new health savings account custodian

WealthCare Saver is Anthem’s New HSA Custodian

WealthCare Saver will replace PNC Bank as the custodian of the HSAs in March.
January 8, 2021/by Cornerstone
Anthem Health Insurance Releases Multiple Updates Regarding the COVID-19 Pandemic and Vaccines

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.
January 8, 2021/by Cornerstone
Delta Dental Smiles Plans Rate Sheets

Dental Reminders from Delta Dental

Delta Dental released dental and vision plan rate sheets with rates effective January 1, 2021. Find them here!
January 8, 2021/by Cornerstone
ER Doctors at OhioHealth are Staying with Anthem

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.
January 8, 2021/by Cornerstone
Medical Mutual Invoice and Group Number Updates

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.
January 7, 2021/by Cornerstone
Round up of Cornerstone's top webinars from the 2020 series

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.
December 22, 2020/by Cornerstone
There are still opportunities to sell outside of the Open Enrollment Period for health insurance

Open Enrollment is Now Over, But the Selling Season Continues

There are still opportunities to sell outside of Open Enrollment. Find out more!
December 18, 2020/by Cornerstone
Required Health Plan Coverage for COVID-19 Vaccine

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.
December 18, 2020/by Cornerstone
UnitedHealthcare introduces Apple Fitness for Motion members

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.
December 18, 2020/by Cornerstone
The Dental Care Plus Group integrates with DentaQuest

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.
December 11, 2020/by Cornerstone
Humana is issuing a one-time level-funded premium credit

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.
December 11, 2020/by Cornerstone
Medical Mutual including premium clarifications in December invoices

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.
December 11, 2020/by Cornerstone
Social SecurityAdministration Offices Are Closed to the Public But You Can Handle Business Online

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 11, 2020/by Dennis Heywood
Anthem Reaches Agreement with Two Physician Groups

December Anthem Updates to Know About

Anthem releases information about ACA enrollment technology, agreements with physician groups, and Site of Care expansions.
December 3, 2020/by Cornerstone
Ohio Department of Insurance License Notification Update for 2021

Ohio Department of Insurance Licensing Renewal Notifications Change

Starting January 1, 2021, the ODI will begin sending license renewal notifications by email.
December 3, 2020/by Cornerstone

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.
November 24, 2020/by Cornerstone
Client Retention Marketing Strategies

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?
November 20, 2020/by Jessica Larkin
Medical Mutual Premium Credits for Small Group Fully Insured

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.
November 19, 2020/by Cornerstone
UnitedHealthcare Updated Coverage Details for COVID-19 Treatment and Testing After Extension of Public Health Emergency Until January 2021

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.
November 13, 2020/by Cornerstone
Win big with Ambetter's new enrollment bonus program!

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.
November 10, 2020/by Cornerstone

In Honor of Our Veterans

Please take the time to PERSONALLY thank these special folks and those who are a part of your lives.
November 9, 2020/by Jennifer Agnello
Deadlines for The Dental Care Plus Group January 1 Group Dental Business

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.
October 30, 2020/by Cornerstone
Camp Molina Agent Bonuses for New and Renewing Individual Health Insurance Members

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.
October 20, 2020/by Cornerstone
2021 Individual Affordable Care Act Carrier County Checklist

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.
October 19, 2020/by Cornerstone
Misconceptions About Enhanced Direct Enrollment

Misconceptions About Enhanced Direct Enrollment (EDE)

The Centers for Medicare & Medicaid Services addresses four misconceptions about using EDE.
October 15, 2020/by Cornerstone
What the Heck is ICHRA?

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.
October 9, 2020/by Jennifer Agnello
All About Social Security Disability Programs

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.
October 9, 2020/by Dennis Heywood
Ambetter Midwest Health Insurance Broker Training ACA

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.
October 9, 2020/by Cornerstone
Three Reasons to Talk Dental from Principal in October

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.
October 2, 2020/by Cornerstone
DCPG Commission Payment Process Update

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.
October 2, 2020/by Cornerstone
ICHRA Policy and Application Overview Webinar

Individual Coverage Health Reimbursement Arrangements: Policy and Application Overview

CMS will host the "Individual Coverage Health Reimbursement Arrangements: Policy and Application Overview Webinar"
October 2, 2020/by Cornerstone
Social Security Spotlight

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.
September 18, 2020/by Dennis Heywood
Important Small Group Updates from Aetna Funding Advantage

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 18, 2020/by Cornerstone
Recent Anthem Updates

September Anthem News Updates

Anthem provides updates on their Cancer Care Navigator Program, the ACA Preventive Care Drug List, webinars, and more.
September 18, 2020/by Cornerstone
Oscar Product Training Webinar

Register Today for Oscar’s 2021 Product Training Webinars

Join Oscar to learn about their 2021 Oscar Individual & Family plan offerings.
September 18, 2020/by Cornerstone

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.
September 18, 2020/by Cornerstone
2020 FPL Guidelines

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.
September 10, 2020/by Cornerstone
Important September Anthem Updates

Important September Anthem Updates

Recent updates from Anthem regarding plasma donations, phishing scams, and an extension to their dental PPE reimbursement program.
September 4, 2020/by Cornerstone
Medical Mutual September Updates

September Updates From Medical Mutual

Updates from Medical Mutual regarding login information for ReportLink, security compliance checklist, potential medication delivery delays, and more.
September 4, 2020/by Cornerstone
UnitedHealthOne Year-End Incentive

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
September 3, 2020/by Cornerstone
FormFire ACA Quoting Requirements

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.
September 1, 2020/by Cornerstone
2021 Small Group Webinars

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!
September 1, 2020/by Cornerstone
IRS New Draft ACA Forms

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.
August 28, 2020/by Cornerstone
Aetna and Cleveland Clinic Collaboration

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.
August 19, 2020/by Cornerstone
Plan Year 2021 Training and Certification is Live

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.
August 19, 2020/by Cornerstone
Ohio Broker CE Opportunity

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.
August 14, 2020/by Cornerstone
Anthem August 2020 Updates

Anthem Updates: New Producer Toolbox Dashboards, Live Chat, and More

Updates include Producer Toolbox Enhancements, XPRIZE, and the EmployerAccess Mobile App.
August 7, 2020/by Cornerstone
Anthem MLR Rebates

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.
August 5, 2020/by Cornerstone
Create a My Social Security Account Today

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.
July 29, 2020/by Dennis Heywood
Why Aetna International Health Insurance Solutions?

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.
July 29, 2020/by Cornerstone
Employee Benefit Extensions

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
July 20, 2020/by Sonya Poland
All Savers Now Available for Companies with 100 to 300 Employees

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.
July 17, 2020/by Cornerstone
Important ACA Updates From Medical Mutual

Important ACA Updates From Medical Mutual

Product updates, coverage changes, and business tips from Medical Mutual.
July 17, 2020/by Cornerstone
Anthem New Business Bonus

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.
July 7, 2020/by Cornerstone
CE Available: Aetna New Plans

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.
July 1, 2020/by Cornerstone
New Federal Pandemic Unemployment Compensation Video New Federal Pandemic Unemployment Compensation Video

CMS released a video about reporting federal pandemic unemployment compensation. Click here to watch the video.
July 1, 2020/by Cornerstone
Humana Ancillary Bonus Programs

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).
June 26, 2020/by Cornerstone
FormFire: Essential Technology in the Small Group Market

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.
June 26, 2020/by Jeff Lewis
Humana Small Group Quoting Requirements

EFFECTIVE IMMEDIATELY: Humana Small Group Quoting Requirements

Humana has released new requirements for quoting Level Funded and NKY Chamber products.
June 24, 2020/by Cornerstone
UnitedHealthcare Announces Premium Assistance

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.
June 24, 2020/by Cornerstone
Anthem SOCA Annual Report

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.
June 23, 2020/by Cornerstone
Anthem MEWA Premium Credits

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.
June 23, 2020/by Cornerstone
MLMS Going Dark July 17

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.
June 17, 2020/by Cornerstone
Information About The Dental Care Plus Group's Shelf Rate Reduction

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.
June 12, 2020/by Cornerstone
PCORI Fees Due to IRS No Later Than July 31, 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.
June 11, 2020/by Cornerstone
Companion Life Bonus Program

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.
June 10, 2020/by Cornerstone
Network and Program Updates From Medical Mutual

Network and Program Updates From Medical Mutual

These updates include VSP network updates and enhancements to Chronic Condition Management Program.
June 10, 2020/by Cornerstone
Cornerstone Wins Top Workplace 2020

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.
June 8, 2020/by Cornerstone
Anthem SmartShopper Cost of Care Tool

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.
June 5, 2020/by Cornerstone
Cornerstone ACA Quoting Changes Effective June 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.
June 5, 2020/by Kim Kinnaird
SOCA Benefit Plan and

SOCA Benefit Plan and Walkthrough Video will help to simplify the administration processes and maintain compliance to ERISA.
June 4, 2020/by Cornerstone
UnitedHealthcare Announces Premium Credits for Clients

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.
June 4, 2020/by Cornerstone
Aetna Funding Advantage Announces New Plan and Network Options

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.
June 1, 2020/by Cornerstone
Surprise Billing Behind the Scenes

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.
May 29, 2020/by Shelly Brownell
Ameritas COVID-19 Benefit Enhancements

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.
May 27, 2020/by Cornerstone
Golden Rule's New Bonus Program

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.
May 22, 2020/by Cornerstone
2021 Contribution Limits

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.
May 22, 2020/by Cornerstone
UHC Broker Renewal Packets

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.
May 21, 2020/by Cornerstone
SOCA MEWA Product Dues

SOCA MEWA Product Dues Were Incorrectly Credited to June Invoices

Please be advised that Anthem is working to correct and adjustments will be made.
May 21, 2020/by Cornerstone
Dental Care Plus Premium Credit

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.
May 19, 2020/by Cornerstone
Humana On Hand Webinars

WEBINAR: Learn About Humana’s On Hand Plan

On Hand members have access to virtual care without needing to leave their homes
May 18, 2020/by Cornerstone
Anthem Chamber Advantage

Don’t Forget Open Enrollment for the Anthem Chamber Advantage is Open!

The open enrollment’s last day to enroll is June 30, 2020.
May 15, 2020/by Cornerstone
Principal Dental Credit

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.
May 8, 2020/by Cornerstone
Benefits of Enhanced Direct Enrollment

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.
May 7, 2020/by Cornerstone
Medical Mutual Employee Care Card

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.
May 7, 2020/by Cornerstone
DOL Issues Benefit Extensions

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.
May 5, 2020/by Cornerstone
UnitedHealthcare COVID-19 Updates

Updates From UnitedHealthcare: Individual Coverage Options, COVID-19 FAQs, and Template Emails

Check out all the new resources and initiatives from UnitedHealthcare!
May 4, 2020/by Cornerstone
Delta Dental Pandemic Relief Program

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.
May 1, 2020/by Cornerstone
Cornerstone Returning to Offices

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.
May 1, 2020/by Cornerstone
Supreme Court ACA Ruling

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."
May 1, 2020/by Cornerstone

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.
May 1, 2020/by Cornerstone
Working Remote Using Telesales

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.
April 24, 2020/by Cornerstone
PCORI Fee Extension

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.
April 24, 2020/by Liz McGuire

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
April 23, 2020/by Cornerstone

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.
April 22, 2020/by Cornerstone
SOCA Participating Employer Product Dues

SOCA Product Dues Invoicing Change

SOCA Participating Employers are required to execute a Participating Business Acknowledgement agreement, which requires the payment of product dues.
April 17, 2020/by Cornerstone

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.
April 6, 2020/by Cornerstone
Medical Mutual Transitional ACA Policies

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.
April 1, 2020/by Cornerstone
ODI License Updates During COVID-19

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.
April 1, 2020/by Cornerstone
How to Determine Medicare Creditable Coverage

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.
April 1, 2020/by Jennifer Agnello
Coronavirus Stimulus Payments: What You Need to Know

Coronavirus Stimulus Payments: What You Need to Know

Cornerstone put together a guide that answers all your questions about direct payments.
March 27, 2020/by Cornerstone

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.
March 27, 2020/by Cornerstone
Update from ODI Regarding COVID-19

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.
March 23, 2020/by Cornerstone

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.
March 20, 2020/by Cornerstone
Required Tax Forms for Clients Enrolled in Marketplace Who Have Received Premium Tax Credits

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.
March 20, 2020/by Cornerstone

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.
March 19, 2020/by Cornerstone

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.
March 19, 2020/by Cornerstone

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.
March 19, 2020/by Cornerstone

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.
March 13, 2020/by Cornerstone

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.
March 13, 2020/by Cornerstone

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.
March 13, 2020/by Cornerstone

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).
March 13, 2020/by Cornerstone

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.
March 13, 2020/by Cornerstone

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.
March 6, 2020/by Cornerstone
Bernie Sanders Medicare for All Fact Check

Sanders Embraces New Study That Lowers “Medicare For All’s” Cost, But Skepticism Abounds

This post was originally created and published by PolitiFact.
March 5, 2020/by Cornerstone
Answering your questions about Autopilot

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!
February 21, 2020/by Cornerstone
UnitedHealthcare Real Appeal and Rally Coach

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.
February 20, 2020/by Cornerstone
ACA Reporting Guide

Reminder: ACA 1094/1095 Reporting Requirements for 2019

Cornerstone recently released the ACA 1094/1095 Reporting Requirements for 2019.
February 14, 2020/by Cornerstone

January 2020 Anthem Updates

Drug list changes, retail stores updates, SOCA benefit plan modifications, and more.
January 23, 2020/by Cornerstone

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.
January 21, 2020/by Cornerstone

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.
January 16, 2020/by Cornerstone

Anthem Anywhere App Retires January 20 (OH, IN, KY)

Anthem recently communicated to clients that Sydney Health is replacing the Anthem Anywhere mobile app
January 16, 2020/by Cornerstone
For business

IRS Extends 2019 ACA Reporting Deadline

The IRS extended the Affordable Care Act reporting deadline to March 2, 2020.
January 16, 2020/by Cornerstone

Check Out Humana’s Most Recent Updates!

Humana has released updates regarding Go365, Doctor on Demand, and the 2020 Producer Guide.
January 16, 2020/by Cornerstone

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.
January 16, 2020/by Cornerstone

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.
January 10, 2020/by Cornerstone
Humana Specialty Bonus Programs

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.
January 8, 2020/by Cornerstone

Congress Repeals Cadillac Tax and Health Insurance Tax

The legislation fully repeals the Cadillac Tax and repeals the HIT effective January 1, 2021.
December 20, 2019/by Cornerstone

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.
December 9, 2019/by Cornerstone

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.
December 9, 2019/by Cornerstone

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.
December 5, 2019/by Jennifer Agnello

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.
December 5, 2019/by Cornerstone

Social Security Spotlight: 2020 Social Security Information

As you read through the changes, pay particular attention to the Retirement Earnings Test Exempt Amounts.
December 5, 2019/by Dennis Heywood

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.
December 5, 2019/by Cornerstone

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.
December 5, 2019/by Cornerstone

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.
December 5, 2019/by Cornerstone

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.
December 5, 2019/by Geoff Beglen

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!
December 5, 2019/by Cornerstone

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.
December 5, 2019/by Cornerstone

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.
September 10, 2019/by Cornerstone

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.
June 6, 2019/by Cornerstone

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.
March 13, 2019/by Cornerstone

The Importance of Wrap Documents

Are you looking to provide even more value for your group clients?
November 14, 2018/by Jennifer Agnello

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.
November 7, 2018/by Gregg Amato

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.
September 19, 2018/by Geoff Beglen

Short-Term Health Insurance: A New, More Affordable Option

Many short-term plans come with additional perks and benefits such as wellness, telemedicine, etc.
September 7, 2018/by Jennifer Agnello

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.
July 11, 2018/by Cornerstone

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.
April 26, 2018/by Luke Boemker

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?
April 20, 2018/by Jennifer Agnello

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.
March 14, 2018/by Jennifer Agnello

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.
February 26, 2018/by Jessica Larkin

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.
January 17, 2018/by Jennifer Agnello

Exploring ACA Alternatives

As ACA premiums continue to rise, so does the need for ACA alternatives.
November 13, 2017/by Gregg Amato