Reserve Your Place Today: 2020 Small Group Carrier Updates via Webinar

Join us for these brief, informative sessions focused on small group to get up to speed on 2020 plans, what to expect with renewals, and more!

Not able to make a session?

No problem! We are recording sessions for our agents who aren’t able to attend. Please contact your Cornerstone representative for a link to the recording and materials.

*Sessions are for active Cornerstone Employee Benefit agents.


UnitedHealthcare Updates

September 16, 2019

9:00 am–10:30 am

UnitedHealthcare will review renewals and what to expect, changes to ACA plans, their enhancements to Ancillary products and package deals. The final hour will review All Savers (level-funding) and the NEW Ohio Chamber MEWA available for 10.1.2019 effective dates*.

*pending state approval of rates

Click here to register for UHC updates.

September 4 (In-person UHC Ohio Chamber MEWA meeting)

UHC is hosting a training on this date in Toledo. Click below for details and to register. You can choose to attend this in person session or join us via webinar on September 16.

Click here to register for UHC Chamber Plan training.


AFA and Humana Ancillary Updates

September 23, 2019

9:00 am–10:30 am

AFA, the Aetna Funding Advantage, is Aetna’s level-funded solution for groups of 2-99. Yes! AFA will now be available for groups of TWO or more. Join us for an overview of AFA, 2020 plan changes, what to expect with renewals, how their blocks are running, and a discussion on what the proposed merger between CVS and Aetna mean for the insurance business.

10:00 am–10:30 am

Humana will present updates on their ancillary products: Dental, Vision, Life and Disability. Humana has taken the lead on their dental plans, unique in Ohio, with unlimited reimbursement of expenses beyond the annual limit as well as higher annual maxes.

Click here to register for AFA/Humana updates.


Anthem Updates

September 30

9:00 am–10:00 am

Anthem will present what to expect with renewals, updates on ACA, their grandmothered block and the Anthem SOCA MEWA. They will also have folks from their ancillary side discuss enhancements to those lines and package deals available.

Click here to register for Anthem updates.

IMPORTANT: FormFire Price Increase

Effective with September usage, the price per employee account is now $2.40. The monthly fee of $99.00 will remain the same for full agent access. The pricing for SOCA sub-agents, restricted to the Anthem SOCA Benefit Plan, will also increase to $2.40. This means that the new pricing will be reflected in your October billing statement for the September employee record counts.  Now is a great time to go in and clean up or delete employee accounts that are no longer active.  Below, you will find instructions on how to delete Groups and Individual Employees (DALs) from your account.

FormFire

FormFire has been a key platform as you know for the MEWA plans and for the collection of medical health questionnaires used by the majority of the small group and 51-99 medically underwritten products. With the continued MEWA development in OH, KY, and IN, FormFire will continue to be a primary player for Cornerstone brokers.

Cornerstone’s partnership with FormFire allows us to provide you with the technology you need to sell more and increase productivity at a substantial savings compared to the market and FormFire’s direct pricing.

Please contact your Broker Sales Representative with any questions.


To Clean up by Group:

If you have a group that you want to delete, and you want the employees deleted as well, all you have to do is delete the group and it will free up the DALs.

It’s actually better to do it that way because the employees stay assigned to the group, which makes it easier down the road if the group gets reinstated to FormFire.

You can delete the group by selecting the Orange ClipBoard next to the client to open the activity menu, then select Delete Client at the bottom of the category listing.

To Clean up by Employee (or individual DAL):
To remove an employee record (dormant, etc.) to avoid the $2.40 charge, follow the steps below:

Steps:

  1. Highlight group and select “View Employee List” from the left navigation pane
  2. Highlight employee that want to delete and select “Administer User” from the left navigation pane
  3. Of the two available options in the left navigation bar, choose Delete Employee”

NEW Medical Option Coming: UnitedHealthcare Introduces the Ohio Chamber MEWA Plan

UnitedHealthcare (UHC) has received approval for a new MEWA offering in Ohio this week in conjunction with the Ohio Chamber of Commerce. Rates have not been approved by the state so quotes are not yet available, but it is expected to be available starting with October 1 effective dates.

Cornerstone will be offering a webinar to learn more about the MEWA on September 16 along with other 2020 updates from UHC.

Click here to view the plan grid.

Don’t Miss Out on the Cornerstone/Anthem 2020 Broker Roadshow!

Don’t miss out on the Cornerstone/Anthem 2020 Broker Roadshow!

Join Cornerstone and Anthem to review updates in individual, small group, and key accounts in Dayton.

DATE: September 20, 2019

TIME: 9:00 am–11:00 am

LOCATION: Yankee Trace

10000 Yankee St. | Centerville, OH | 45458

Click here to RSVP.

Ohio Governor Vetoes Health Care Transparency Provisions

Ohio Governor Mike DeWine recently signed the state budget bill (HB 166) into law on July 19, 2019, vetoing some of the health care transparency provisions.

The vetoed provisions established procedures for health care providers to provide cost estimates to consumers and require reimbursement for out-of-network services when performed at an in-network facility.

DeWine said: “I share the legislatures goal of providing consumers the information necessary to make informed decisions about their health care. Additionally,  President Trump has recently signed an executive order requiring implementation of health care transparency  rules, an initiative I also support. As the federal government develops these efforts and others, it is important that the state not place duplicative or burdensome regulations on health care providers, as these compliance costs will inevitability be passed on to the citizens of this State as consumers of healthcare. Over the past few months, the stakeholder community has worked toward this goal and developed common sense solutions, which should continue to be developed. I have requested that relevant state agencies collaborate with stakeholders to continue this important effort. Therefore, this veto is in the public interest.”

House Votes to Repeal ACA Cadillac Tax

On July 17, 2019, the House of Representatives voted 419–6 to pass H.R. 748 legislation to fully repeal the ACA’s Cadillac/excise tax. This the first step to full repeal. Consideration by the Senate is next, along with a companion bill S.684, which has 42 bipartisan cosponsors.

Delayed by Congress in both 2015 and 2018, the tax would impose a 40 percent excise tax on employer-provided health benefits that exceed certain limits, projected at $11,200 for an individual and $30,100 for a family in 2022.

Read more here: Cadillac Tax/NAHU

CE Available: GCAHU Presents Ethical Habits in Health Insurance

Annual Ethics with Carl: Ethical Habits in Health Insurance 2019

CE is refiled each year, so you can gain 3 hours of CE even if you don’t need to fulfill your ethics requirement

3 hours CE pending in OH and KY

DATE: Thursday, July 18, 2019

TIME: 7:30 am (registration) | CE starts at 8:00 am

LOCATION: Cornerstone Cincinnati Office | 2101 Florence Avenue | Cincinnati, OH 45206

MEETING CHARGE: GCAHU Member: $25 | Non-members: $45

Click here to register.

WageWorks Acquired By HealthEquity

WageWorks announced on June 27 that it will be acquired by HealthEquity, a deal that is expected to close by the end of the year. WageWorks has assured that there will be no changes to their clients’ teams.

For more information, contact your Cornerstone representative.

PCORI Fees Due to IRS No Later Than July 31

Fees to fund the Patient-Centered Outcomes Research Institute (PCORI) are due to the IRS no later than July 31, 2019 from employers who sponsor certain self-insured health plans, which includes all level funded as well as health reimbursement arrangements (HRAs) that are not treated as excepted benefits.

How to Pay PCORI Fees

Employers that sponsor certain self-insured health plans (Level Funded) must report and pay the required PCORI fees via IRS Form 720 along with HRA plans, Quarterly Federal Excise Tax Return. Complete Part II, line 133. Employers should note “2nd Quarter” on the 720 form.

The fee applies to each Plan year that ends after October 1, 2012, and before October 1, 2019. “Plan year” refers to the plan year for your Level Funded Medical Plans or an HRA plan. Generally the plan year and the coverage period are the same. As an example, if your HRA benefit resets each January 1, your HRA plan year and your coverage period are generally a calendar year and end December 31.

Plan Year Ending Date Fee
October 1, 2017 – September 30, 2018 $2.39
October 1, 2018 – September 30, 2019 $2.45

There are three available methods that can be used to determine the average number of lives covered under a plan for the policy year. For an HRA plan it is acceptable to use the number of subscribers only. The most commonly used method is the Snapshot Method.

  1. Actual Count Method: A plan sponsor may determine the average number of lives covered under a plan for a plan year by adding the totals of lives covered for each day of the play year and dividing that total by the total number of days in the plan year.
  2. Snapshot Method: A plan sponsor may determine the average number of lives covered under an applicable self-insured health plan for a plan year based on the total number of lives covered on one date (or more dates if an equal number of dates is used in each quarter) during the first, second or third month of each quarter, and dividing that total by the number of dates on which a count was made.
  3. Form 5500 Method: An eligible plan sponsor may determine the average number of lives covered under a plan for a plan year based on the number of participants reported on the Form 5500, Annual Return/Report of Employee Benefit Plan, or the Form 5500-SF, Short Form Annual Return/Report of Small Employee Benefit Plan.

Payments should be made payable to the U.S. Treasury and sent by July 31, 2019 to the applicable address on the attached instructions.

Tools to Assist you by Carrier:

All Savers

All Savers posts the employer group’s membership information to the employer website. The employer group is required to complete and file the IRS Form 720. For general questions please contact All Savers Broker Services at 1-866-405-7174.

Humana Level Funded

Click here.

Aetna Funding Advantage

This link takes you to your Producer World login and will assist in determining the fee due by your group.

LIVE TRAINING: Aetna’s AFA Springboard System

Cornerstone invites you to attend training on Aetna’s AFA Springboard System at the Cincinnati office!

Please join us for an overview of the Aetna Springboard process for new business submissions, presented by Aetna’s Jordan Finley and Lauren Horley.

DATE: Monday June 24, 2019

TIME: 2:00–3:30 pm

LOCATION: Cornerstone’s Cincinnati Office

2101 Florence Ave Cincinnati, OH 45206

Click here to RSVP.