Employer-Sponsored Health Plans are Major Preference for Workplace Perks

According to a recent post by PlanSponsor, the Employee Benefit Research Institute (EBRI) conducted a study that explores workers’ preferences for employer-sponsored benefits. EBRI concluded that companies with employer-sponsored health plans have a stark advantage over the companies that do not offer these benefits.

Companies are continuing to understand the true value of an employer-sponsored benefit plan. Recently, we have seen companies who had disbanded their plan or didn’t have one, make the decision to offer their employees a benefit package.

Employers recognize that the need to attract new and retain existing employees is significantly impacted by a strong employee benefits package. At the heart of a benefits package is a medical plan, though ancillary packages are just as important for employees’ overall health and satisfaction. An ancillary package usually consists of Dental, Life, Vision, and Disability.   With these, an employer can decide to contribute to the cost or offer as a voluntary option. The important factor is to offer these benefits to employees and give them the choice to elect coverage. In addition to these, you may also see companies offering products like LifeLock or Telemedicine services.

Employers should consult with their broker when designing a benefits package to ensure the right package is developed for each company with their budget.

If you have any questions, reach out to one of Cornerstone’s Employee Benefits experts.



Health Benefits Still Top Draw for Many Employees


Medical Mutual to Implement Drug Surveillance Program on July 1st

To combat a noticeable trend in increased pricing of existing brand and specialty drugs by pharmaceutical manufactures this past year, Medical Mutual is implementing a new Drug Surveillance program, beginning July 1, 2017. The program will be for all groups and members with MMO’s prescription drug benefits. It is non-customizable by group, and the option to opt out of this drug management policy is not available. The program itself will be and enhanced version based on a standard Express Scripts offering.

Click here to learn more.

For more information, or to get appointed with Medical Mutual, contact a Cornerstone representative today.

Take Part in the Aetna Spring into Action Sales Incentive Program!

Floral frame with Hello spring text. Romantic template for greeting cards and wedding invitation.

Earn up to $200 per Medicare Supplement policy this Spring

Your Medicare Supplement applications could earn you extra cash this Spring! Between April 1 – June 30, 2017, submit qualifying applications of individual Medicare Supplement* and receive a bonus payout of $200 per underwritten policy, and $50 per open enrollment policy issued.

Start submitting applications with E-App today!

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 must have a minimum of five qualifying policies issued per month, April through June. 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.

View complete qualification details here.

*underwritten by Aetna Health and Life Insurance Company (AHLIC), American Continental Insurance Company (ACI), Continental Life Insurance Company of Brentwood, Tennessee (CLI), all Aetna companies.

SAVE THE DATE: 2017 NW Ohio CE Training Days

Toledo — 4444 Keystone Drive, Suite F | Maumee, OH | 43537
Lima — 3745 Shawnee Road, Suite 104 | Lima, OH | 45806

WHAT: Four hours of CE available each day with product updates and training from our carrier representatives.


May 16, 2017May 15, 20178:00 am – 3:15 pm
July 19, 2017July 18, 20178:00 am – 3:15 pm

RSVP: Please RSVP to Jenni Henry no later than 2 weeks prior to the event to reserve your place.

FREE CE CREDIT AVAILABLE: Join Cornerstone and Dental Care Plus for a Free Training Event

Set of icons and arrows on education form a light bulb. The concept of effective modern training. Background vector illustrationCornerstone and The Dental Care Plus Group present:

Dental 101 & Vision 101


DATE: April 19, 2017

10:00 am – 12:15 p.m.
(lunch will be provided afterwards)

LOCATION: Wedgewood Country Club
9600 Wedgewood Blvd
Powell, OH 43065



10:00-11:00 | Vision 101

11:00-11:15 | Break

11:15-12:15 | Dental 101
Lunch provided afterwards

Dental 101 Course Number — 35322 (1 HR CE)

Vision 101 Course Number — 49891 (1 HR CE)


DATE: Wednesday April 19, 2017

TIME: 10:00 a.m. — 12:15 p.m.
(lunch will be provided afterwards)

PLACE: Wedgewood Country Club

9600 Wedgewood Blvd

Powell, OH 43065

Click here to RSVP for Columbus training



DATE: Wednesday April 26, 2017

TIME: 10:00 a.m. — 12:15 p.m.
(lunch will be provided afterwards)

PLACE: Holiday Inn South Cleveland-Independence

6001 Rockside Road

Independence, OH 44131

Click here to RSVP for the Cleveland training



DATE: Tuesday May 2, 2017

TIME: 10:00 a.m. — 12:15 p.m.
(lunch will be provided afterwards)

PLACE: Holiday Inn French Quarter

10630 Fremont Pike

Perrysburg, OH 43551

Click here to RSVP for the Toledo training

WEBINAR: How to Sell Hospital Indemnity Plans

Training on Blue Puzzle on White Background.


Join Cornerstone 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.

DATE: Thursday April 20, 2017

TIME: 9:00 – 10:00 am

RSVP: Click here.

Humana PDP Product Training in Cleveland

Join Cornerstone and Humana for an exclusive training on the Walmart Prescription Drug Plan.

The training will provide a deep look into:

• What you need to know about PDP’s

• Formulary information

• Advantages of prescription plans


DATE: Tuesday April 11, 2017

TIME: 9:30 am – 10:30 am

LOCATION: Cornerstone Broker Insurance Services Agency – Cleveland Office
4500 Rockside Road, Suite 330 Independence, OH 44131

Medicare Advantage Payment Rates to Increase in 2018

Medicare Advantage health plans are expected to hike by nearly 0.45 percent in 2018, though recent estimates by the Centers for Medicare and Medicaid Services (CMS) showed only a 0.25 percent increase. This figure accounts for the “expected growth in coding acuity,” averaging the total revenue increase to be about 2.95 percent.

In 2017, Medicare Advantage payment rates rose by an average of 0.85 percent — 3.05 percent after accounting for coding acuity.

Former CMS official John Gorman notes that the rates are “further proof that (Medicare Advantage) is the only safe game in all of health insurance these days.”

CMS Administrator Seema Verma also commented saying, “Medicare is committed to strengthening Medicare Advantage and the Prescription Drug Program by supporting flexibility and efficiency.”


Medicare Advantage Plans to Receive 0.45% Rate Hike for 2018

CMS Gives Bigger Increase to Medicare Advantage Payment Rates for 2018

CMS Finalizes 0.45% Rate Increase for Medicare Advantage Plans


Interested in contracting with Cornerstone? Click here to contact a Senior Marketing representative.

ONLY ONE DAY LEFT: Refer Agents to Cornerstone and Earn $500

Do you know an agent that would benefit from Cornerstone’s services?

Cornerstone’s Refer-An-Agent Program is offering a bonus of $500* until March 31st for your referrals! Click here to refer an agent to Cornerstone.

After March 31st, the program will resume offering $250 for referrals.


*Certain restrictions apply. Ask your Cornerstone Rep for full details.

How to Sell Aetna Medicare Advantage Plans

Join Cornerstone and Aetna for an interactive training workshop:


DATE: Tuesday, March 28, 2018

TIME: 9:00 am–12:00 pm (registration begins at 8:30 am)

LOCATION: Cornerstone Senior Marketing
2101 Florence Ave. Cincinnati, OH 45206
Media Center


Lunch will be provided

This interactive workshop will cover:

  • Why choose Aetna?
  • Helping your clients find the right plan for their needs
  • How to sell an Aetna MAPD plan
  • Explaining Medigab versus MAPD to your client
  • Marketing opportunities

Attendees will be offered a CE credit!


What else can Cornerstone do for you?

  1. Client Acquisition Programs: lead programs, marketing platforms, FREE Medicare quoting tool and more!
  2. Continuous Education and Training
  3. Referral program offering the opportunity to refer Medicare clients for assistance with plan selection and enrollment