Aetna Announces 15-Month Contract and Updates to Underwriting Guidelines

Aetna recently announced that Aetna Funding Advantage (AFA) is offering a 15-month contract for December 2019/January 2020 new Aetna customers, along with their current AFA clients who renew in December 2019/January 2020. The contract will be offered in 25 markets*.

Details regarding the new AFA extended contract:
  • Offers a 15-month AFA contract
  • Applies to new and renewal AFA small group (5–50**) clients with December 1, 2019, and January 2020, effective dates
  • Moves your client to a March 1, 2021, or April 1, 2021, anniversary date
  • Is available in AZ, CO, FL, GA, IA, ID, IL, KS, KY, LA, ME, MI, MN, MO, MS, NE, NJ, NV, OH, OK, TN, TX, UT, WI and WY

Aetna has also updated their underwriting guidelines on AFA down to two lives. Click here to review the fact sheet regarding these updates.

Click here to access the AFA Quote Cover Sheet.


*Only available in AZ, CO, FL, GA, IA, ID, IL, KS, KY, LA, ME, MI, MN, MO, MS, NE, NJ, NV, OH, OK, TN, TX, UT, WI and WY.  Not available on our 1500 HSA plan. 
**2 to 50 in GA/KS/MO/S.IL/TX; 2 to 100 in N. IL/OH; 5 to 100 in CO/KY/LA/NJ/TN; 10 to 50 in NV

UnitedHealthcare MLR Premium Rebate Checks Will Mail in September for Impacted Groups

UnitedHealthcare recently announced that those who qualified for premium rebates for the 2019 MLR Payout Year will receive their checks by the September 30, 2019, deadline.

For a summary of which states, legal entities and size of business (aggregation set) will be receiving a rebate, refer to the Final 2018 MLR Rebate Report.

Click here for more information.

Contact your Cornerstone representative with any questions.

UnitedHealthcare Ohio Chamber MEWA Plans and Forms

We are excited to announce that the Ohio Chamber MEWA with UHC is ready to go. We will begin quoting immediately for a 9/1 effective date. That’s right! If you have a group that completed FormFire applications and didn’t get their decision made in time, we can still get you the 9/1 effective date.

The Ohio Chamber offers affordable membership for your clients and is required at the time of sale only. Click the link at the end of this message to access the available plan designs and all the necessary enrollment information.

The highlights below give you the details and value added benefits that your client will receive with the Ohio Chamber MEWA.

OHIO CHAMBER OF COMMERCE MEWA

  • Available for employer groups with an ATNE of 2–50
  • 15 Plan Portfolio (below)
  • Full National Choice Plus Network
  • Common 1/1 Renewal Date
  • Extended contracts available for 9/1 to 12/1 – RENEWAL 1/1/2021!
  • Applications accepted for 120 days from signature for 10/1 through 1/1 effective dates
  • Ohio Chamber Membership Required (or discounted Affiliate Membership)
  • $30 PEPM Commission Structure
  • Full UHC Value Added Benefits, including:
    • Real Appeal
    • Motion on all HSAs
    • Employer eServices
    • UnitedHeatlhcare Mobile
    • MyHealthcareCostEstimator
    • Virtual Visits

AHP_EE_Enrollment_Form_OH_final_fillable
AHP_EE_Health_Addendum_OH_final_fillable
AHP_ER_Application_OH_final_fillable
All Savers Plan Sponsor Certification Form
OCC MEWA Quote Install Checklist
OCC MEWA Quote & Install Checklist
OCHBP_Broker_Aug_2019
OH CHBP_Payment Authorization form
Ohio Chamber MEWA Coversheet & Census
Ohio Chamber Plan Grid

August 2019 Medical Mutual Updates

Medical Mutual released the following updates…

Group Sales Broker Advertising Program

Medical Mutual announced the Broker Advertising Program, which is for brokers who want to exclusively promote their products to group prospects through their media placements. MMO provides customizable marketing templates for brokers in the program to use.

Groups with COBRA Options Able to Add Ancillary Lines

Medical Mutual now allows groups of all sizes with their COBRA Options product to add external ancillary carriers.

Mutual Appreciation Reporting Capabilities

The Mutual Appreciation program encourages Medical Mutual’s employees to patronize their clients’ businesses. Medical Mutual now offers reporting capabilities for this program.

  • PDF Report for Prospective Customers: This piece, meant for prospective groups, showcases the potential employee support a group might experience if they become Medical Mutual’s customer and part of the program.
  • PDF Report for Active Customers: This piece showcases how much Medical Mutual employees have spent with a group and how many transactions have been made since they became their customer.
  • PowerPoint Renewal Report: For groups with upcoming renewals, Medical Mutual can create comprehensive reports for customers that showcase promotion spend (if applicable), year-over-year spend, rankings to similar customers within their industry and more.

Contact your Cornerstone representative for more information.

Anthem Indiana Releases ChamberCare Health Alliance MEWA

Anthem Indiana has released the ChamberCare Health Alliance (CHA) MEWA solution. This MEWA was created through the partnership of Anthem and the Indiana state and Indanapolis Chambers of Commerce. This is an underwritten solution for employers with 2 to 50 total employees, where your small group clients will gain access to coverage generally only available to large groups. The product’s initial effective date will be October 1, 2019. All groups will have a common renewal date of October 1.

Below, you will find the CHA Product Guide, CHA flyer, FAQ, employer medical questionnaire, employee medical questionnaire, and additional chamber information for review.

Quoting

Quoting for CHA begins on August 19, 2019! You may request preliminary quotes using one of three risk levels: low, medium, or high risk. For an underwritten quote, medical questionnaires may be required, as well as the Employer Medical questionnaire. Please send your quote requests to your Cornerstone quoting team at the corresponding office below:

Membership Information

To quote CHA, the broker and the group does not need to be a member of a chamber.

However, employers interested in the Anthem CHA must be a member of the Indiana Chamber of Commerce and/or the Indianapolis Chamber of Commerce. The employer will be required to join the respective chamber based upon the county in which the employer is domiciled prior to submitting for installation and enrollment.

In order for brokers and their agencies to sell CHA, you must have an active Indiana state and/or Indianapolis  Chamber of Commerce membership.

The Indianapolis Chamber of Commerce is offering a silver membership at NO Charge to brokers at this time that are selling CHA.

Please contact your Cornerstone Broker Advisor for more information on this product.

MEWA ChamberCare Health Alliance Map

CHA MEWA Employee Medical Questionnaire

CHA MEWA Employer Medical Questionnaire

ChamberCare Health Alliance (CHA) Product Guide

MEWA ChamberCare Health Alliance Flyer

MEWA ChamberCare Health Alliance FAQs

Cornerstone Invites You to Attend the Anthem Ohio Broker Roadshow Update Meeting

Please join us for the Anthem Ohio 2020 Small Group and Key Account product update meeting with Robyn Caupp and Taylor Grant of Anthem.

DATE: September 18, 2019

TIME: 9:00 am–11:00 am

LOCATION: Cornerstone Cincinnati Office

2101 Florence Avenue | Cincinnati, OH 45206

Click here to RSVP.

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, and Life. 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.

REGISTER: UnitedHealthcare Announces New Option for Ohio Small Business

Brokers in Northwest Ohio are invited to attend a training on UHC’s new Chamber plan on September 4.

Wednesday, September 4

TIME: Registration 9:30 a.m.

Meeting start time 10 a.m.

LOCATION: Hilton Garden Inn

6165 Levis Commons Blvd. | Perrysburg, OH

Click here to register.

If you are unable to attend, Cornerstone will also have a webinar on September 16 for all UHC updates on 2020 (more information to follow soon).

REGISTER: “In Pursuit of Ethics” CE Course in NW Ohio

The Northwest Ohio Association of Health Underwriters (NWOAHU) is offering a three-credit hour CE on ethics, “In Pursuit of Ethics” on September 12 from 8:30 to 12:00 pm. Cost is $30 for BBB Accredited Businesses and NWOAHU members or $40 for non-members.

To register and pay, please contact Brenda at 419-578-6000 ×105.

Click here for more information: https://nwoahu.org/events/

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”