Aetna Funding Advantage 1095-B Tax Forms Are On Their Way

Aetna Funding Advantage groups with 5 to 50 employees will receive 1095-B 2018 tax forms starting the week of January 28. Members can access these forms electronically through the Aetna Navigator or by mail.

Reminder: Members do not need to file their 1095-B forms.

Questions? Contact your Cornerstone representative.

Updates to Aenta Funding Advantage Broker Bonus Program

Aetna has extended its new business bonus for brokers selling the Aetna Funding Advantage product through April 1, 2019, effective dates.

Click here to learn more!

FormFire Has New Requirements For SOCA Sold Case Submissions

Effective immediately, FormFire is enforcing new requirements for Anthem for SOCA BP sold case submissions.

What does this mean?

Brokers will not be able to submit a sold case to Anthem in Send Forms unless the group has completed the following:

  • Employer plan(s) assigned
  • Assigned plan(s) pricing added
  • Each employee has a plan elected (unless waiving coverage)

Why is this being enforced?

This information is required for FormFire to generate files for the continuation vendor, myCOBRAPlan. Failure to include this information when the group is sold creates a delay in the files being generated and sent to myCOBRAPlan in a timely fashion.

Continuation services are embedded in the Anthem SOCA BP product. myCobraPlan is the exclusive continuation provider for participating employers in the Anthem for SOCA BP. Employers must use myCobraPlan, so that continuation can be administered for SOCA participants. myCobraPlan will administer federal and state continuation services for employees enrolled in the Anthem for SOCA BP product, including: general notice distribution, qualifying event administration, premium billing and collection, and COBRA termination processing.

For assistance on adding plans, pricing and employee plan elections, please refer to our help articles below.

How to assign plans to a client

How to select a plan (Employee view)

How to use Group Enroll

Contact your Cornerstone representative with any questions.

Do You Have Securian Dental Clients?

As you may know, Securian is shutting down its dental insurance and not offering renewals to customers. Cornerstone proactively negotiated an arrangement with Principal to match Securian rates and plans with some great value added benefits. This arrangement has been extended to 2/1/2019 effective dates. This is open to any broker who works with Cornerstone and doesn’t impact your commissions!

Please contact your Cornerstone representative for more details.

Anthem Simplifies Processes to Improve Member Experiences

Anthem AllClear Identity Protection Services Will Expire 12/31

Starting December 21, 2018, Anthem’s AllClear will send email notices to members who were enrolled in AllClear Credit and Identity Theft Monitoring services in 2018. Those members and their dependents who have an active, eligible Anthem medical health plan as of January 1, 2019 can continue with the service at no charge.

Anthem Simplifies the Client Benefit Approval Process 

The approval email that you will receive from Anthem will now be written directly to your groups, so you can easily forward it on to them as is.

Download Anthem’s 2019 Calendar

Anthem put together a 2019 calendar that contains information about their specialty products (dental, vision, life, disability, and voluntary supplemental health plans).

Downloadand print the free 2019 calendar for your use, or feel free to share with clients.

Anthem Releases New Health Guides

Starting January 1, 2019, all members in Anthem’s Small Group Affordable Care Act (ACA) health plans will be connected directly to a Health Guide when they call the Member Services number on the back of their ID card. The Health Guides use smart engagement technology and concierge-quality service to help members receive the best personalized experience.

Anthem Launches New Welcome Experience for Small Groups

Anthem is launching a new welcome experience for new small groups sold off the exchange. Using feedback from research, Anthem updated the welcome kit’s content with more customized information about the group’s plan and how to get the most from it. There’s an overview of the medical, pharmacy and any ancillary plans (dental, vision, life, disability), plus important features exclusive to Anthem plans, like Care & Cost Finder, Find a Doctor, Anthem Anywhere and LiveHealth Online.

IRS Extends Deadline for Distributing Forms 1095-C or 1095-B to Individuals

The IRS recently released Notice 2018-94, which outlined extensions for 2018 information-reporting requirements for insurers, self-insuring employers, and certain providers of minimum essential coverage as well as applicable large employers.

Specifically, the notice extends the deadlines for forms 1095-C and 1095-B from January 31, 2019, to March 4, 2019. In addition, the notice extends good-faith transition relief from section 6721 and 6722 penalties to the 2018 information-reporting requirements under sections 6055 and 6056.

Click here for the full IRS Notice 2018-94.

Contact your Cornerstone representative with any additional questions regarding the notice.

All Savers Alternate Funding Monthly Welcome Webinars

UnitedHealthcare’s All Savers Alternate Funding New Business groups are invited to join a monthly Welcome Webinar that is designed to help groups understand and get the most out of their plan. The webinar will cover the information a group receives at the start of their policy.

Welcome Webinar Schedule
December 12, 2018
January 16, 2019

Helpful materials to have available during the meeting include:

  • Employer Guide including eligibility changes
  • Administrative Services Agreement
  • Excess Loss Policy
  • Taxes and Fees
  • Wellness Capability Overview which includes information on Rally, HealthiestYou and UnitedHealthcare Motion

IMPORTANT UPDATE: National General Short-Term Products in OH to Activate TOMORROW

National General will open their Ohio plans for quoting and enrollment effective tomorrow, November 28, after temporarily suspending all sales of short-term medical plans.

Reminder: Short-term sales in Kentucky are still temporarily suspended as National General is required to refile their short-term plans and rates with the Kentucky Department of Insurance. This change does not impact current customers or sales submitted prior to November 13, 2018.

You are still able to quote and enroll all other National General products in Ohio, Kentucky, Indiana, and other states.

Please contact Geoff Beglen with any questions or additional information about short-term sales carrier options in Ohio and Kentucky.

Geoff Beglen | 513-629-9358 | gbeglen@crnstone.com

Aetna Updates on January New Business Deadlines, Billing Timelines, and Reporting Notices

December and January Deadlines

The deadline for Aetna December sales notices is right around the corner. Make sure you get your notices in for December 1 effective dates by Tuesday, November 27th. Also, today is the last day to submit sales notices early and earn an administrative fee credit for your clients. You must also submit all required documents by Monday, November 26th in order for your clients to qualify for the credit. Click here for a flyer with more details on the administrative fee credit program and deadlines.

Below are the regular submission deadlines for December and January effective dates:

Effective Date Sales Notice Submitted All Required Documents Submitted
December 1 11/27/2018 11/30/2018
January 1 12/27/2018 12/31/2018

Billing

On the 25th of each month, Aenta posts monthly AFA invoices on Springboard Marketplace. Aenta emails invoices directly to those who do not use Springboard. The invoice is based on how many employees are enrolled for coverage on the 17th of that month. On the second business day of the following month, Aetna will pull funds from your account.

The first month’s bill may follow a different timeline if Aetna installs a group after the 19th of the month before their effective date. In this scenario, Aetna will pull eligibility on the first day of the month of their effective date and five days later post your invoice on Springboard. Aetna will pull funds by the 15th of the month. If they install a group after the effective date, they will not pull funds the first month. Instead, they will pull funds for two months of coverage on the second business day of the next month. For renewals, they will pull funds at their renewal and the next month’s invoice will include any changes that occurred after the 20th of the month.

*If group is not installed by the effective date, the customer will receive a bill for 2 months of coverage at once.

NY HCRA Notices

AFA customers may have recently received a communication from the New York State Office of Pool Administration regarding their NY HCRA filing eligibility. Please note, that there is no action needed. As the third party administrator, Aetna files NY HCRA forms on behalf of their Small Group AFA customers and determine whether that filing is annual or monthly.

Ohio Farm Bureau Health Benefits Plan Update for January 1, 2019 and Later Enrollments

JANUARY 1 DEADLINES

The following dates and deadlines pertain to enrollment for January 1, 2018:

December 10, 2018- Last day to request a January 1, 2019 quote (or re-quote) for any group.

December 17, 2018- Last day to bind coverage for January 1, 2019

Any group making a request after these dates will be able to receive a quote or join the plan on February 1, 2019 but will not have the option to be quoted or enroll for January 1, 2019.

Please share with your clients that due to the high end of year enrollment volume the delivery of paperwork such as employee ID cards may take longer than is normal. Those needing help accessing their benefits can contact Medical Mutual at 800-382-5729.

December 19, 2018- Please have all renewal confirmations and paperwork to Cornerstone no later than December 19, 2018 to allow for processing time in order to meet the Ohio Farm Bureau December 21, 2018 submission deadline.

MANDATORY ELECTRONIC BILLING

Any group sold after January 1, 2019 with ten (10) or fewer employees enrolling is required to sign up for ACH* payments. Groups in this size category will no longer have the option to pay their monthly premium equivalent rate by check.

Any group that is delinquent more than once in a six (6) month period will also be required to sign up for ACH payments as a condition of reinstatement.

These requirements will ensure that every group is able to participate in the Ohio Farm Bureau Health Benefits Plan without administrative difficulties.

ACH (Automated Clearinghouse also known as EFT or Electronic Funds Transfer) allows a group to provide payment details once and have funds debited from their bank account automatically each month to pay for their coverage.


Questions? Get in touch with us by phone or email!