Anthem’s CareMore@Work Onsite/Nearsite Clinics Coming in January

Anthem’s CareMore@Work integrated employee health solution for self-funded large group employers will be available as an onsite or nearsite clinic option by January 1, 2019. This means a client can purchase a clinic now to be built over the next few months so that it could open as early as January 1 to see the first patients, but it also can be launched at any point in the calendar year.  New clinics take approximately 6 months to launch. If CareMore is taking over existing clinic space on an employer campus, the implementation timeline may be as short as 90 days.

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

Updates from Anthem: New Explanation of Benefits Design and More

New Explanation of Benefits Design

Anthem’s EOB will be getting a new design in July to become more of a “Health Care Summary” with a comprehensive view of all claims activity over approximately a 20-day period

Click here to learn more.


Join Anthem for Their Wellness on the Run Webinar

Anthem will discuss how to create low budget wellness ideas, why workplace competitions can be the key to better employee engagement, and why a wellness committee might just be what your clients need for success.

Date:  June 20
Time:  2:00 pm to 2:45 pm EST

Click here to register.


Multiple Sclerosis and the Workplace

Check out Anthem’s new e-book, A Guide to Multiple Sclerosis for Well-Informed Employersand share it with your clients.  It’s full of useful information about MS, suggestions for accommodating various challenges, and resources to help meet the needs of employers and employees.


Questions about these Anthem updates? Contact your Cornerstone representative for answers!

Updates From Anthem: New Member ID Cards and Medical Loss Ratio Information

Medical Loss Ratio Information

As part of the Medical Loss Ratio (MLR) provision of the Affordable Care Act (ACA), health insurers must categorize clients as either individual, small group, or large group. For employer groups, this is determined based on the average number of employees they had in 2017. This includes full-time, part-time and seasonal employees. This MLR provision applies to the amount of premium spent on medical care and quality improvement programs for members covered under fully insured group health care plans.

Anthem is required to send your clients the MLR request for group size. When your clients complete the brief one-question request and return it, they can accurately categorize their business. They will begin collecting this information from fully insured clients this summer and may follow up with an email.

Click here for more information.


New Member ID Cards Coming Soon

Anthem will introduce a streamlined membership ID card beginning in July. They will send employers an email to let them what’s coming for their employees.

Click here for more information.

Reporting Fraud, Waste, and Abuse

Cornerstone employees and broker partners are required to report suspected Fraud, Waste and Abuse. You can report Fraud, Waste and Abuse to Cornerstone’s Tim Shook at 513-629-9505 or email Additionally, you can report suspected Fraud, Waste or Abuse anonymously via the following Plan Sponsor hotlines:

Aetna: 1-860-273-3586

MMO: 1-800-762-8130

UnitedHealthcare: 1-877-401-9430

Humana: 1-800-614-4126

Paramount: 1-800-462-3589

Premier: 1-888-271-2688

Anthem: 1-800-203-3738

Anthem BCBS Medicare Sales Important Reminder: Helping Your Clients Find In-Network Providers

When selling a plan that uses network providers, make sure you explain to your clients that providers may join or leave the network at ANY time – without notice to the members. Before they seek care, it’s a good idea to contact the provider’s office directly to make sure they accept the specific plan your client chooses. And make sure they are in-network for that plan at that location. Some providers with multiple offices may only accept certain networks at some of their locations.

To help your clients locate in-network providers:

  • Agents must use the Find a Doctor tool located on the Shop Medicare plans website listed below. The website is updated weekly: ABCBS Medicare Shop
  • When searching for in-network providers, it would be helpful to select a specific plan first, and then select the other search criteria to narrow your results list down.
  • Ensure to use the ‘Advance Search’ option, or use as many filters as possible when searching for specific in-network providers, hospitals and specialists. Some doctors and facilities are in-network for some locations and out-of-network at other locations.
  • Enter the PCP ID # in the Find a Doctor tool to confirm the specific provider at that specific office participates in the selected plan.
  • Once you select a PCP in the Find a Doctor tool, click on the ‘Details Link’ to find a list of all hospitals for which the physician is associated.

Remember that HMO plan members should coordinate their care with their primary doctor before seeing other providers. HMO members who use non-network providers in non-emergency situations will pay for the full cost of their care. Encourage your clients to contact Customer Service at the number on their ID cards if they have any questions you can’t answer for them.

Contact your Cornerstone senior service representative for more information

Anthem to Open One-Stop Certification Site June 27

Certify with Anthem beginning June 27 on their one-stop certification site. By accessing the Medicare Certification Training Center through the Producer Toolbox (PTB) beginning June 27, you can complete all modules under 2019 AHIP Compliance Training and 2019 Anthem Product Training in one convenient location. In addition, by using the Anthem PTB to complete your certification, your access code will automatically populate AND you will benefit from a $50 discount off your certification fee.

Click here for more information.

Contact your Cornerstone representative with any questions.

Anthem Announces Whole Health Savings for Employees

Large group clients can save up to 4 percent on their medical premium for adding new dental, vision, life, or disability coverage with Anthem. Learn more about Anthem’s Whole Health Savings, a bundling savings program.

Click here to learn more.

Introducing Anthem’s Whole Health Savings Program

Anthem’s Whole Health Savings program offers up to 4 percent savings on a client’s medical premium for adding new dental, vision, life, or disability benefits.

Key highlights of Whole Health Savings:

  • Available to July 1, 2018, or later effective dates
  • Applies to fully insured, large groups with up to 300 employees
  • Up to 4 percent medical premium savings

Click here for more information.

NEW Anthem BCBS Med Supp Bonus Program!

Great news for brokers in Ohio! The more you sell the more you earn during Anthem’s Medicare Supplement Sales Bonus Program!

Now YOU have a new opportunity to earn even more on EVERY Medicare Supplement Plan you SELL!

New, short-term incentives have just been announced for brokers who sell Anthem Medicare Supplement plans! Don’t miss out on this limited time opportunity to earn more when you sell Medicare Supplement plans with 7/1, 8/1 or 9/1/2018 effective dates!* 

Program Rules:

  • All per sale bonus amounts are earned for Medicare Supplement enrollments for that particular month only.
  • All per sale bonus amounts are in addition to the standard broker compensation.
  • All per sale bonus amounts are non-cumulative; each month is treated separately.

How Does it Work?

  • If you sell 3–4 approved Medicare Supplement plan enrollments you’ll receive an additional $100 bonus per sale!
  • If you sell 5–9 approved Medicare Supplement plan enrollments you’ll receive an additional $150 bonus per sale!
  • But if you sell 10 or more approved Medicare Supplement plan enrollments you’ll receive an additional $225 bonus per sale!

EXAMPLE:  If you sell THREE Medicare Supplement policies in a month with a qualifying effective date of 7/1, 8/1, or 9/1 you’ll earn a $300 bonus (3 × $100)! But if you sell TEN Plan policies, you’ll earn $2,250 (10 × $225)!

Your current and prospective clients can benefit from these money-saving options on every Anthem plan:

  • A 5% discount on each policy if there is more than one Medicare Supplement policy written in a household with a coverage date of June 1, 2010 or after.
  • Receive $2 off their monthly premium simply by enrolling in automatic electronic premium payments – a savings of $24 annually. Save $48 by paying their premium for the entire year.
  • There are even greater savings for your clients when you help them combine discounts (based on eligibility).

While your clients are saving money, they can also stay healthy by taking advantage of the SilverSneakers Fitness Program, which offers eligible Modernized Anthem Medicare Supplement members a Basic Membership with access to over 13,000 locations nationwide – at no extra cost!**

So don’t wait!  It’s time to take advantage of this limited time opportunity to make more money selling Anthem Medicare Supplement Plans!

* Incentive is limited to new enrollees only-and based upon approval of the policy. All incentives will be paid within ninety days of the end of the bonus period. Anthem reserves the right to make all rules and determinations regarding the bonus program and may modify or eliminate the program at any time without notice.  For more detailed information on the bonus program, please contact your Regional Sales Manager.

**SilverSneakers® is a value-added program. It is not insurance and not part of the Medicare Supplement insurance plans. It can be changed or withdrawn at any time.

NEW Plan F With Anthem BCBS

Anthem’s new Med Supp kits include the current plans as well as the new lower prices Med Supp plans and are now available to order on Custom Point.

The new applications must be used on anything with a June 1, 2018, or later effective date.

Anthem recently announced a new lower-priced Medicare Supplement Plan F and Select F starting June 1.

You must get appointed with the new company, AICI, in order to sell these products.