Join Us for the Cincinnati-Anthem Ohio’s 2019 Broker Roadshow

Cornerstone invites you to attend the Anthem Ohio 2019 Broker Roadshow.

Please join us for Anthem Ohio’s 2019 Individual, ACA, SOCA MEWA, Specialty and Key Account updates.

DATE: Wednesday, September 19, 2018

TIME: 9:00 am–11:00 am

LOCATION: Cornerstone’s Cincinnati Office | 2101 Florence Ave | Cincinnati, OH 45206

PRESENTERS: Robyn Caupp & Matt Lapp, Anthem Blue Cross Blue Shield

Click here to register.


Anthem is coming back to the Individual market in Ohio for 2019 ACA plans! More details to come on service area counties, plans and benefits they are offering, how to get re-contracted to sell, etc.

CLEVELAND: Learn About Oscar’s 2019 Individaul Plans in the NE OH Market

Cleveland Clinic + Oscar Health Product Seminar

Join Oscar for a deep dive on Cleveland Clinic + Oscar’s individual products. Learn more about their 2019 plans for the NE Ohio market.

Space is limited, and you won’t want to miss out!


Thursday, September 20

TIME: 8:30 am–10:30 am

LOCATION: DoubleTree by Hilton Hotel Cleveland-Independence

Independence, OH

Click here to register.

Autism Spectrum Disorder Benefit Limits to be Removed from Plans

Effective January 1, 2019, or upon renewal, all benefit limits for Autism Spectrum Disorder will be removed from Individual, Small Group and Large Group benefit plans. This is a result of House Bill 218 which was recently passed in the Kentucky legislative session.

Click here for the official release from Anthem.

ATTENTION KY BROKERS: Check Out Aetna’s Level-Funded Program

Attention Kentucky Brokers! Have you quoted Aetna’s new level-funded program? Aetna has recently made a significant rate adjustment in Kentucky. Ask for quotes on this product today!

Important Updates to 2018 AFA (5–99):

  • 5–99 in Ohio
  • 5–50 in KY
  • 15 percent rate decrease for KY effective 7-1-18
  • Very competitive pricing
  • 15-month rate guarantee for 12-1-18 and 1-1-19 effective dates (only increases rate 1 percent to go to 15 months versus 12)
  • $50 bonus per Employee per Year through 1-1-19 effective dates.  Example: 10 employees = $500 bonus.  30 employees = $1500
  • $25 Per Employee per year administrative credit if submitting early
  • $25 plus tax for Apple Watch for employee ($50 plus tax for spouse)
  • Pure Fit wellness credits

Contact your Cornerstone representative for additional details or to get contracted with Aetna today.

NEW! Special National General Bonus Program


Qualifying Period is July 1 thru October 31, 2018

Bonus Contest: Production Volume

Sell: 4 Short Terms and 1 Supplemental Product = $50

Sell: 8 Short Terms and 2 Supplemental Products = $125

Sell: 16 Short Terms and 4 Supplemental Products = $200

Bonus Contest: Bi-Monthly 2018 Top Producers

Top Application Producer in July & August, 2018 = $500

Top Application Producer in September & October, 2018 = $500

Top 2018 Production July 1 – October 31, 2018 = $1,000

National General made it onto the 100 Fastest Growing Companies list from Fortune. Talk to your Cornerstone Individual Rep Geoff Beglen about how contracting with National General can help you begin to grow your business.

Benefits of selling National General:

  • Large, national network
  • Great products
  • Very competitive rates
  • Easy to quote
  • Easy to sell!
  • High commissions.
  • Enroll a client for 4 consecutive STM plans for a longer coverage period*

*Federal regulation allows for plan durations of less than 3 months


Qualifying Period: July 1, 2018 to October 31, 2018
Which Cases Qualify: Approved policies that are paid for (Funded) and accepted. Applications for all our products count but do not include the Association Membership, or cases that cancel, or are unpaid, or cancelled in the 10-day Free Look Period. Multiple Short Term Policy Packages, including one, two, three, or four 90-day policy packages count as one application. All supplemental product sales are eligible. Submitted applications are counted based on submission date.
Payable: Approximately 10 days from the end of each month.


Click here for more information.

CMS Releases Exchanges Trends Report

CMS recently released a report outlining the current condition of the operational and programmatic
aspects of the Exchanges.

Key Highlights:

  • For plan year 2018, 49,100 agents and brokers registered with Federal platform Exchanges, supporting 42 percent of overall enrollments.
  • The cost breakdown for registration/training, technical assistance, and oversight is $2.40 per enrollee.
  • The biggest concerns for agents and brokers are lack of competition in the individual market and availability of commissions from insurance carriers.
  • To date, CMS has implemented 93 percent of recommendations from our agent and broker partners

Click here to view the full Trend Report from CMS.

Register Today for Golden Rule’s Cash Infusion Bonus Incentive!

Earn more with Golden Rule’s double bonus incentive that rewards you for Health ProtectorGuard (HPG) and short-term medical (STM) eligible plans submitted between July 1 to October 31, 2018, and issued by Nov. 15, 2018.

(*$80 for HPG Choice Value Plans)

(Or $25 for every short-term Application)

Click here for additional details.

Questions? Contact your Cornerstone representative today.

Upcoming Marketplace Learning Management System Closure

The Marketplace Learning Management System (MLMS) will be closed starting July 18 at 6:00 PM ET until training for plan year 2019 goes live.

Before this “go-dark” period begins on July 18 at 6:00 PM ET, you should:

  • Check that your MLMS profile is up-to-date.
  • Print your Registration Completion Certificate(s) to document your plan year 2018 registration for the Individual and/or Small Business Health Options Program (SHOP) Marketplace.

Certificates showing you have completed plan year 2018 registration and training will not be available after the MLMS closes.

To print your plan year 2018 Registration Completion Certificate(s), follow these three steps:

  1. Log in to the CMS Enterprise Portal.
  2. On the “My Status” page, the “Complete Agent Broker Training” entry will show “Complete” in the “Status” column if you have completed training.

Select the “Print Certificate(s)” link and follow the prompts.

During the go-dark period, the Centers for Medicare & Medicaid Services (CMS) will be preparing for plan year 2019 registration and training. Stay tuned for updates, or visit the Resources for Agents and Brokers webpage.


Contact your Cornerstone representative with any questions.



Take Note: Upcoming MLMS Closure

Oscar Health Pharmacy Update

As of May 1, CA and OH Oscar Health members who currently get 90-day prescription refills at non-CVS pharmacies will no longer be able to refill their 90-day prescriptions there. If they want to continue getting 90-day prescriptions, they will need to refill at a CVS pharmacy. Members can continue to refill their prescription at their current pharmacy, but only for 30-day refills.

CE AVAILABLE: Join Cornerstone for Carrier Product Training Sessions in Toledo!

Join Cornerstone Senior Marketing in July for carrier product training sessions in our Toledo office with Allwell and Dental Care Plus.

We can’t wait to see you there!


Allwell Product Training

DATE: Thursday, July 5

TIME: 10:00 am–12:00 pm

LOCATION: Cornerstone Toledo Office

5555 Airport Highway, Suite 142 | Toledo, OH 43614

Click here to RSVP


Dental Care Plus “Dental 201” Training*

*Earn 1 hour of CE credit at the DCP training!

DATE: Tuesday, July 10

TIME: 10:00 am–11:30 am

LOCATION: Cornerstone Toledo Office

5555 Airport Highway, Suite 142 | Toledo, OH 43614

Click here to RSVP


Not appointed with Allwell or Dental Care Plus? Contact your Cornerstone representative to get started.