Aetna Medicare Supplements Now Offered in Texas!

Aetna’s AHLIC Medicare Supplement plans now offered in Texas!

Aetna is introducing AHLIC Medicare Supplement plans to Texas. Not only do the new plans offer competitive rates, but your clients residing in the same household can also apply for a Texas-sized 12% household discount.

Other great selling features:

  • One-year rate guarantee
  • Lifetime commission
  • Bonus program – click here for more information

For more information, email seniormarketing@crnstone.com or contact your Senior Marketing Sales Representative.

*Look out for a series of upcoming webinars on Aetna Medicare Supplement Plans presented by Cornerstone. More information coming soon!

What’s Happening in Washington?

Danny Bradford

Danny Bradford, Corporate Counsel and Compliance Officer

Thanks to Cornerstone and the Ohio Association of Health Underwriters, I was fortunate enough to spend several days witnessing the chaos in our capital first hand. Though I won’t pretend to have answers about what may come next from Washington, I’m excited to share an update from my recent experience attending the National Association of Health Underwriter’s (NAHU) Capitol Conference.

NAHU and its local chapters across the country actively work to ensure that agent and broker interests have a voice in the discussion about the future of health care reform (a breakdown of NAHU legislative issues can be viewed on the NAHU website). While Congress continues the debate over repealing and replacing, NAHU has focused on the stabilization of the individual and small group markets. Regardless of the future of health care reform, everyone, including politicians, carriers, brokers, and consumers benefit from stability in a turbulent marketplace.

Nearly every speaker at the conference began by acknowledging the rapidly changing landscape of health care reform. Though some expect drastic action to come quickly, politicians on both sides of the aisle acknowledged that any change would likely take time.

So what might this “action” look like?

While I will not try to predict the outlook of the post-ACA health insurance market, it’s relatively clear that Republicans will use at least three different prongs to effect change:

1. Administrative Action

2. Budget Reconciliation

3. Legislation

Each prong provides means for changing the existing ACA structure, but also requires greater partisan and bi-partisan support.

As many brokers are aware, significant pieces of the ACA were implemented through administrative action, which can also be modified by administrative action. For example, on Friday, February 10, Tom Price was confirmed as the secretary of The Department of Health and Human Services (HHS), and then February 15, HHS took administrative action and issued proposed regulations addressing market stabilization.

While administrative action can begin quickly through the executive branch, budget reconciliation bills will require the support of 51 senators, while legislative bills will likely require the support of 60 senators.

A number of proposals, including House Speaker Paul Ryan’s “A Better Way” and Price’s “Empowering Patients First Act,” have been discussed in Congress and the in the media. However, most congressional representatives expect a comprehensive plan to be outlined in the coming weeks, which may clarify where the market is headed next. In the meantime, many brokers will continue to do what they have always done: Let politicians worry about Washington, and focus on taking care of their clients.

Cornerstone is committed to being a trusted resource in an ever-changing market, and our experts will keep you updated as we approach complex legislative modifications ahead.


For more information, contact Cornerstone today.

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.

WEBINAR: What are Hospital Indemnity Plans and Why Should I Sell Them?

Retain clients and double your commissions with Hospital Indemnity Plans!

Join Cornerstone’s Individual Division and Senior Marketing for a webinar about hospital indemnity plans, how to sell them, and just how they’ll benefit your business! Learn different strategies for offering and communicating plan options to your clients and maximize your health coverage portfolio today.

 

Training Agenda:

  1. HIP Product Overview
  2. How to Sell HIP
  3. Quoting HIP — Demonstration
  4. HIP Value — Commission

Offer hospital indemnity plans as a single-packaged solution and find out how they can profit your business. Sign up today.

Date: Tuesday January 31, 2017
Time: 9:00 am–10:00 am
RSVP here.

Date: Thursday February 2, 2017
Time: 9:00 am–10:00 am
RSVP here.

Space is limited! RSVP today to secure your seat.

Open Enrollment is Ending: Important OEP and AEP Information for a Successful Enrollment Period

This message is intended for Agent use only.


Continuing Announcement: Please take a moment to review the following for a successful enrollment period:

  • Open enrollment comes to a close Tuesday January 31st. With that in mind, please submit any and all referrals that are seeking health care coverage for 2017 as soon as possible. Individuals with a QE (Qualifying Event) that makes them eligible for an SEP (Special Enrollment Period) do not have the same deadlines, but these referrals also need to be submitted as soon as possible to ensure eligibility and enrollment. Please be sure to designate the effective date coverage is to begin on all referrals so we can prioritize them appropriately.
  • To access information regarding the status of your clients in our referral process, please use our online broker portal. Attached you will find step-by-step instructions on how to access this information. Checking this information online instead of contacting us by phone or email will save valuable time during OEP.
  • When a referral is received, we contact that referred client directly. This ensures us to ensure that we have done our part in reviewing all the necessary information to assist the client in making an informed decision regarding their insurance needs.

If you have any questions about the information covered above or on any other topic please call (877) 432-8803 and select option 1. Thank you for your trusted referrals and we look forward to continuing this successful relationship in the future.