WEBINAR: Washington National Worksite Portfolio Training Call

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Washington National has the products and technology you need to complete successful worksite enrollments.

Did you know new worksite sales topped $7.13 billion in 2015? That’s up nearly 4% from 2014.

What’s more, 63% of employees see voluntary benefits as increasing the overall value of an employer’s offerings–and 62% of employees want their employer to offer more voluntary benefits.

That’s why Washington National is proud to offer you a robust portfolio of worksite products to sell.

Dial in to learn more about Washington National worksite portfolio so you can leverage the demand for worksite voluntary benefits and close more sales.

Get details on Washington National’s worksite portfolio products:

  • Active Care©
  • Accident Assure©
  • Solutions© Cancer Plus
  • Group Solutions
  • Worksite UL2© + living benefit rider

DATE: March 9, 2017

TIME: 11:00 am EST

(800) 672-8406

Download the presentation

 

Cornerstone Presents Humana’s Chronic Special Needs Plan Training

Join Cornerstone for an exclusive presentation on Humana’s Chronic Special Needs Plans. Chronic “SNP” provides additional benefits for Medicare clients with specified illnesses.

The training will provide a deep look into:

  • Eligibility rules
  • Year-round selling opportunity
  • Benefits
  • Enhanced Rx coverage
  • Additional benefits with this Chronic SNP

DATE: Tuesday March 21, 2017

TIME: 9:00am – 11:30am

LOCATION: Cornerstone Broker Insurance Services Agency Media Center
2101 Florence Avenue, Cincinnati, OH 45206

Aetna Senior Supplemental March Mania Sales Incentive Program

**Aetna now has a new sales incentive program for spring. For details, click here.

Aetna’s March Mania Sales Incentive

*This incentive is a modification of ‘Winter Vortex’ for 3/1/17–3/31/17 period only.

Your Medicare Supplement applications could be the slam dunk to extra cash! And, there’s no limit on the amount of extra cash you can score.

Read on for more details about how to win…


Qualification Period: March 1, 2017–March 31, 2017

Qualifying Product: Medicare Supplement Insurance

From these Aetna Companies: Aetna Health and Life Insurance Company (AHLIC), American Continental Insurance Company (ACI), Continental Life Insurance Company of Brentwood, Tennessee (CLI).

For These States:  AZ, GA, ID, IL, KS, KY, MI, MS, NC, NJ, OH, PA, TX

Extra Cash Details: Submit qualifying applications of ACI, AHLIC, and CLI Medicare Supplement and receive a bonus payout of $200 per underwritten policy, and $50 per open enrollment policy issued. The more applications submitted and policies issued, the bigger the payout. There’s no limit to the amount of extra cash you can earn!

To receive a payout, you only need a minimum of 5 policies issued in March. Bonus is limited to one active policy per insured . Remember, for states with the household premium discount, if two policies are issued, it counts as two policies towards the sales incentive.

More Details: Application date on qualifying production must be between March 1 and March 31, 2017. Qualifying production is based on all new, issued annualized premium and each qualified policy must be issued on or before 30 days after the last day of the qualifying month. Qualifying production is limited to one policy per insured. Guaranteed issue, Internal replacements* or exchanges do not count toward qualification. Qualifiers must maintain an 80% persistency on qualifying business. The cash payouts will be issued by check 45 days after the end of the qualifying quarter. All federal, state, and
local taxes associated with the receipt of cash are the sole responsibility of the recipient. ACI, AHLIC, and CLI have the exclusive right to change the program rules during the qualification period and is subject to all state compensation restrictions based on the issue state of the policy. Participation is based
on meeting the required production levels; and the qualifier must be in compliance with all company and state marketing rules and regulations and be in good standing with Aetna and its legal entities at the time payment is made. Agents must be properly appointed and approved to sell ACI, AHLIC, or CLI Medicare Supplement in the specific states listed on this flyer in order to submit business.
*Internal replacement is defined as a replacement of a product from one Aetna underwriting company to another.


Questions? Contact your Senior Marketing sales representative for more information.

You’re Invited: Medicare DSNP Training with Anthem BCBS

Join Cornerstone and Anthem Blue Cross Blue Shield for a training event on Medicare DSNP plans. You won’t want to miss this valuable training on how to market these plans to your clients!

The agenda for this training seminar includes:

  • Eligibility and identifying prospects
  • The impact of MyCare Ohio
  • How to sell DSNP plans and their benefits
  • And tools that help you market these plans

 


DATE:  Thursday March 9, 2017

TIME:  8:30am – 11:00am

Registration will be from 8:30am to 9:00 a.m.

Training will go from 9:00 a.m. to 11:00 a.m.

PLACE:  Cornerstone- Cincinnati location
2101 Florence Ave. Cincinnati, OH 45206

To RSVP, click here.

WEBINAR: Ameritas PrimeStar Individual Dental and Vision Insurance

Male hand holding five star rating sign. Flat design vector illustration.Join Cornerstone and presenter Diego Coig from Ameritas for a live training webinar regarding Ameritas PrimeStar Individual Dental and Vision Insurance.

Because of Ameritas’ recent acquisition of Security Life, the network is larger than ever before!

Register for one of the webinars below today to learn more about Ameritas and their diverse products.

Reasons to attend:

  1. Ameritas is one of the largest nationwide networks with more 111,500 unique providers.
  2. No waiting period on preventative and basic services.
  3. No enrollment fees.

Cornerstone also has new contracts available. Contact us today to learn more!


Register now!

DATE: Tuesday February 21, 2017
TIME: 10:00 am – 11:00 am EST
RSVP here.
*After registering, you will receive a confirmation email containing information about joining the webinar.

DATE: Tuesday March 14, 2017
TIME: 10:00 am – 11:00 am EST
RSVP here.
*After registering, you will receive a confirmation email containing information about joining the webinar.

Merger Between Anthem and Cigna Blocked by Federal Judge

U.S. District Judge Amy Berman Jackson of the Federal District Court for the District of Columbia blocked a proposed $48 billion merger between Anthem Inc. and Cigna Corp. The block came two weeks after the proposed merger between Aetna and Humana was blocked on antitrust grounds.

The judge decided that the proposed merger would be ‘harmful’ to customers and violated federal antitrust law becuase it of its ‘anticompetitive effects.’

In the beginning, the two companies said the merger would create a more ‘diversified’ health insurer, though there was eventually a disagreement that Judge Jackson called ‘the elephant in the courtroom.’

A press release from Anthem states that the company ‘intends to file a notice of appeal and request an expedited hearing of its appeal to reverse the Court’s decision so that Anthem may move forward with the merger…’

 

References:

Federal Judge Blocks Anthem’s Planned Acquisition of Cigna

Judge, Citing Harm to Customers, Blocks $48 Billion Anthem-Cigna Merger

Anthem Responds to U.S. District Court’s Decision on Acquisition of Cigna

Aetna Plans to Stay Out of Individual Market in 2018 Following 2016 Losses

Mark Bertolini, chairman of Aetna Inc., stated that the company would not be involved in the individual market throughout 2018 because of the uncertainty of legislative changes. The company hopes to return to the market in 2019 when there is expected to be a new system in place.

Executives from the company said that involvement in the individual market in 2016 led to a $450 million loss, which was much higher than the company anticipated. An antitrust judge suggested that the company may be using concerns in the individual market to leverage its proposed acquisition of Humana, Inc. According to Bertolini, Aetna is still reviewing the antitrust case ruling and may file an appeal.

For more information, click here.

Aetna’s Proposed Merger with Humana Prompts Concerns of Reducing Competition in the Marketplace

U.S. District Judge John Bates intercepted Aetna’s proposed acquisition of Humana, a deal the judge declared was “presumptively unlawful” in the private marketplace. The proposed $37 billion acquisition, which was focused on Medicare Advantage plans, a market in which Humana is particularly strong, was blocked because it was thought that it would lessen competition for Medicare Advantage plans in the marketplace. The judge declared the merger would not be in the best interest of the companies’ consumers, especially in other markets where the merger would have a large share of business.

Judge Bates commented, “The court is unpersuaded that the efficiencies generated by the merger will be sufficient to mitigate the anticompetitive effects for consumers in the challenged markets.”

This interception came just 6 months after a proposed merger between Anthem and Cigna was blocked by the Justice Department.


This is a developing story. Stay tuned for more information regarding the Aetna-Humana merger proposal.

Resources

Judge Blocks Aetna’s $37 Billion Deal for Humana, The New York Times

Judge Cites ‘Serious Concerns,’ Blocks Aetna’s $37B Merger with Humana, BenefitsPro

Reminder from Anthem – Modification to Medicare Advantage Commission Payment Schedule

A reminder that Anthem is modifying their Medicare Advantage/Prescription Drug Plan (MAPD) and Prescription Drug Plan (PDP) commission payment schedule so that payments are made in the effective month of the policy.

As a result, there will be two commission payments made in December for MAPD and PDP policies.  One will be with a statement date of November 30, 2016, and the other will be with a statement date of December 18, 2106.  Brokers will be paid on MAPD and PDP commissions during the first week of December for November policy effective and due dates (based on the current schedule).  There will also be a second MAPD and PDP commission payment after December 18, 2016, for December policy effective and due dates.  December 2016 is the only month brokers will receive two commission payments.  The monthly schedule will resume with commission payments in the effective month of the policy for MAPD and PDP policies in January.

 

Reference:  Dec 2016/2017 Commission Payment Schedule.

Questions:  commissions@crnstone.com