GOP Pulls Bill to Repeal Obamacare

The GOP decided to scrap health care bill, branded the American Health Care Act (AHCA) on Friday afternoon after a number of Republicans voiced their opposition over the latest version of the bill. House Speaker Paul Ryan called off the vote after a meeting with Trump at the White House, where he expressed concern over the lack of votes for the new bill. President Trump presented an ultimatum on Thursday: Either the GOP votes for the health care bill, or Obamacare will not be repealed.

Spokesman Sean Spicer commented that Trump “left everything on the field.”


Trump’s First Legislative Effort Fails as GOP Pulls Bill to Repeal Obamacare

Republicans Kill Health Care Vote as GOP Members Defect

GOP Cancels Health Care Vote as House Republicans Balk at Bill

We Heard About the Changes: How Can Cornerstone Earn Your Business?

Cornerstone has learned of the changes that are impacting your health insurance business. We understand that you must look for an alternative solution and we’d like to discuss this with you and earn your business.

With over 30 years of experience in the health insurance market, we have the experts that can help you transition your business and help you continue to service your clients in the manner they’ve come to expect. We can even help you generate new business.

Cornerstone offers products and solutions in Individual, Senior, and Group markets making it easy for you to have a “one-stop” shop for all your client’s health insurance needs.

Additionally, Cornerstone offers:

  • Corporate council to help you remain compliant
  • FREE quoting tools for Individual and Senior market
  • Marketing platforms
  • Senior and Individual lead generation opportunities
  • Annual Incentive Trip
  • A referral program for business that you may not want to handle in-house that allows you to be compensated.
  • 7 regional offices for local support
  • Training and Continuous Education
  • Licensing & Appointment assistance
  • Strategic Partners such as:
    • HR360
    • LifeLock
    • RockEnroll
    • Telemedicine and much more!

Contact us today. We’d be happy to discuss your options and assist you in any way that we can!

Click here to learn more about the value Cornerstone brings.

Cornerstone Individual and Senior Representatives

Cornerstone Employee Benefits Representatives

WEBINAR: VBA Product Training

www. written in search bar on virtual screen.Right now we are in uncertain times regarding the future of ACA. But that does not stop business; we all need to keep moving forward. Brokers and agents need products to sell and employers need to keep employees happy by providing the best benefits that meet their employees’ needs.

VBA has you covered with their wide range of products and services including:

  • ANSR Products
    • MEC
    • MEC + Limited Medical
    • Alternative MVP Plans
  • Limited Medical
  • Dental and Vision
  • Voluntary Worksite Benefits including:
    • Disability
    • Life
    • Accident
    • Critical Illness
    • Cancer
    • Hospital Indemnity
    • GAP Plans

DATE: Tuesday, March 21, 2017

TIME: 9:30 a.m. – 10:30 a.m. EST


*After registering, you will receive a confirmation email containing information about joining the webinar.

WEBINAR: Washington National Worksite Portfolio Training Call

Closeup shot of a woman typing on mobile phone isolated on white background.. Girl's hand holding a modern smartphone and pointing with finger. Blank screen to put it on your own webpage or message.

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

IRS Extends QSEHRA Notice Deadlines

The IRS issued Notice 2017-20, which provided welcome relief for employers who have chosen to move forward in implementing qualified small employer health reimbursement arrangements (QSEHRAs). In general, QSEHRAs allow small employers that meet certain criteria to offer a health reimbursement arrangement, which can provide for reimbursement of individual premiums. While we’ve previously covered the available statutory details related to QSEHRAs, there are still a number of questions facing employers and brokers.

One of the requirements for employers choosing to offer a QSEHRA is that the employer must provide notice to eligible employees. The statute provided deadlines for notice distribution, but was scarce on the information required to be included in the notice. In Notice 2017-20 the IRS acknowledged the need for greater detail and indicated it was prepared to issue such guidance in the near future. In the meantime, the IRS extended the previous March 13th deadline to not less than 90 days following the issuance of applicable guidance.

Additionally, the IRS stated, “Employers that furnish the QSEHRA notice to their eligible employees before further guidance is issued may rely upon a reasonable good faith interpretation of the statute to determine the contents of the notice.”

Despite remaining questions, this notice from the IRS will likely provide some welcome reassurance for brokers and employers that have begun implementing QSEHRAs.

For more information, contact Cornerstone today.

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.

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 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.