MeridianCare’s New Online Enrollment Application

Attention MeridianCare Agents:

MeridianCare is excited to announce for the 2019 sales season the launch of their brand new Online Enrollment Application(OEA). This is the required method of submission for all Cornerstone appointed brokers. They have made some major improvements to the OEA that will make it a lot easier to complete an application for a beneficiary. For example, Meridian added the Scope of Appointment and the Statement of Understanding to the OEA. See link below for a user guide that will take you step-by-step through the online application.

There are a few things to keep in mind:

  1. If an application does not have an email address that field is not require. Also, please do not enter your email address in this field since it is stored to the members account.
  2. If you would like a copy of the application for your records, you can print a copy by clicking the link on the confirmation page at the end. For further instructions refer to the user guide below.
  3. If you have never used the OEA before remember to select “I am an agent” so the system can assign you as the agent of record.

If you have any questions regarding the Online Enrollment Application please reach out to your Cornerstone Senior Marketing Representative.

Online Enrollment Application (OEA) Job Aid

Lunch Is On Us! Grab Your Humana Medicare Kits On Friday!

End the first week of AEP with your friends at Cornerstone Senior Marketing and Humana and grab some Tommy’s Pizza and Medicare kits on us!

Humana representatives Sandy Bartels and Cyndi Ellis will be at our Columbus office on Friday, October 19 to meet with you, provide plan kits, and serve lunch to our valued brokers.

WHEN: Friday, October 19

TIME: 11:00 am–1:00 pm

WHERE: Cornerstone Columbus Office

9482 Wedgewood Boulevard, Suite 130 | Powell, OH 43065

RSVP here.

*Please register by Thursday, October 18 so we can be sure to provide enough food. Please indicate the specific plan kit numbers you need when registering.

Check Out These Tips for a Successful 2019 AEP!

Once again AEP is upon us and Cornerstone Senior Marketing would like to provide you with some helpful tips on how you can make this AEP your most successful!

Check out our Broker Centric repository for the latest carrier information and how tos.

Submitting Applications:

  • Electronic submission is preferred
  • Submitting Direct to the Carrier
    • When you fax your applications to the carriers you must submit 1 application at a time and keep your fax confirmation for each app. If an application becomes lost or is not received, you may need your backup documentation to prove the initial submission date.

Carrier Fax Numbers:

Aetna Coventry

Medicare Advantage – MA App Number
Medicare Advantage Email
Prescription Drug Plans – RX App Number

*See attached Info on App Numbers

Medicare Supplement (AHIC, ACI, CLI)


888-665-6296 or 866-441-2341





Medicare Advantage




Medicare Advantage & PDP

Medicare Supplement




Cigna 877-704-8186
CSI 855-304-2855
GPM Health and Life 866-422-9139
Humana MarketPoint 877-889-9936
Lumico 833-522-4001
Medical Mutual

Medicare Supplement

Medicare Advantage


Medico – OH ONLY

Medicare Supplement

All Other Products

*Please contact senior service rep for out of state numbers




Mutual of Omaha

Medicare Supplement

Medicare Advantage




Online Submission Required


Medigold   614-234-8622
The Healthplan 740-699-6164
Transamerica (Medicare Supplements) 866-834-0437
Union Security Insurance Company 859-425-5249

Medicare Advantage & PDP

Medicare Supplements




Wellcare 866-473-9124

Medicare Supplements WITH CHECKS only:


101 Yorkshire Blvd

Lexington, KY  40509


2432 Fortune Dr

Lexington, KY  40509



13550 Triton Park Blvd

Louisville, KY  40223


Administrative Services

PO Box 10482

Des Moines, IA 50306


11200 Lakeline Blvd Ste 100

Austin, TX 78717


Records/Mailing Processing Center

9330 State Hwy 133

Blair, NE  68008


17757 US HWY 19 N Suite 660

Clearwater, FL  33764


Enrollment Division

4868 GA Hwy 85 Ste 100

Forest Park, GA  30297


Blair Facility

9330 State Hwy 133

Blair, NE  68008


New Business Dept MS1220

4333 Edgewood Rd NE

Cedar Rapids, IA  52499

P.O. Box 14399Lexington, KY 40512-9700
Medicare Supplement Underwriting
P.O. Box 10874Clearwater, FL 33757-8874

Top Reasons an Application Will Pend:

    • It’s always best that you request to see a copy of the beneficiaries Medicare card to ensure the claim number you are putting on the application is correct.
    • While most elections will be marked AEP this time of year, it’s still important to make sure you are using the correct election period for age-ins or other special circumstances.
    • Always make sure you and the applicant sign and date the application. Remember, you should not sign and date the application until it is in your possession.
    • Double check that all signatures are complete and the dates are correct (we see a date of birth or effective date listed as a signature date frequently).


Other Helpful Tips:

    • Please remember, CMS states that you have 48 hours from the time YOU sign the application to get it submitted to the carrier. Some carriers now require receipt in 24 hours!  Electronic submission is safest.
    • Don’t forget that you have to enter Gateway, Meridian, Mutual of Omaha Med Advantage and SilverScript enrollments online through their agent portals to receive commissions!
    • This is very important as this is how you are paid! In cases when the incorrect writing number is listed on the application the carrier will drop the policy as a house account until a correction is processed.

CVS-Aetna Merger Cleared by Department of Justice

Verified on October 10, 2018, the Department of Justice has allowed CVS Health’s acquisition of Aetna to proceed. The $68 billion deal is still subject to state regulatory approvals, many of which have been granted.The acquisition is expected to close in the fourth quarter of this year. The intention of the merger is to improve the consumer health care experience at a lower cost for patients and payors.

The news comes just one month after Aetna agreed to sell its Medicare prescription drug business to WellCare Health Plans, Inc. to alleviate concerns that the merger would harm competition among plans with pharmaceutical coverage for seniors.


CSG Medicare Quoting Tool MS Rate Update

Please note that Medicare Supplement rates are currently being loaded into our Medicare quoting system, CSG Actuarial, for January 1, 2019, and will be available in the next few days.

If you are trying to quote Medicare Supplements for a January 1, 2019, effective date, please know you may be getting incorrect rates.

If you have any questions please contact your Cornerstone Senior Marketing representative.

Medicare Center is Now LIVE!

Medicare Center is now LIVE!

Login Credentials Format Listed Below:

UN: Your National Producer Number

PW*: NPN(Last four digits of your NPN)

*You will be prompted to change your password on 1st login


UN: 16762668

PW: NPN2668

Join us every Tuesday and Thursday for a live webinar demonstration of this online enrollment tool! If you have any questions or would like to set up a one-on-one training please contact your Cornerstone Senior Marketing sales representative.

Click here to register.

You can also join via:

iPhone one-tap (US Toll): +1(773)2319226, 1484664738#

Or Telephone: +1 (773) 231 9226 (US Toll)

CSI Life Has Announced Huge Rate Reductions Effective October 1

Attention all CSI Life agents in Indiana, Ohio and Pennsylvania: The company that has delivered one of the most stable rate structures in the industry, CSI Life, has announced huge rate reductions effective October 1. These game-changing rates are as strong as steel and primed for an incredible AEP. Below is an example of the rate reductions at age 67 for both Plan G and Plan N:


In case you missed it, CSI Life has a revamped commission structure. Rather than the previous flat-fee commission structure, CSI Life has moved to the percentage-based model that you are accustomed to with most carriers. Check your new contract or contact your Cornerstone Senior Marketing sales rep to see what your new commission level is at.


Kick off your AEP selling season with these revamped rates and earn yourself a serious raise this fourth quarter.

Issue 20 or more Medicare Supplement cases with CSI Life between 10/1 and 12/31 and receive $2,500 on top of your current commissions.

Issue 40 or more CSI Life Medicare Supplement cases between 10/1 and 12/31 and receive $5,000 on top of your already industry leading commissions.

So place your business this AEP with the carrier that keeps clients for life—CSI Life. Begin writing an e-application today by logging on to

Click here to view and download new rates.

Click here to view and download Q4 incentive.

Spousal Benefits and the 2016 Social Security Law “Deemed Filing” Changes

Social Security Solutions, LLCDue to the Social Security “Deemed Filing” change introduced on April 30, 2016, persons born after 1953 are limited as to when they can take a spousal benefit. One aspect of the new law eliminates the ability of a spouse to limit the scope of the application to spousal benefits at “full retirement age” if they were born after 1953. The strategy used to be to take one half of their spouses full retirement age benefit, but still accrue delayed retirement credits until age 70 (8 percent per year increase). It was a great strategy for some people; keep working but take one half of their spouse’s benefit, then switch to their own record at age 70 for a much higher benefit. Persons born before 1954 can still do this.

Another impact to this “deemed filing” rule change affects when a spouse must take a spousal benefit if eligible before they reach full retirement age.  Example: A wife (born in 1954 or later) files for her retirement benefit at age 62 and receives $600/month. Her husband decides to file for his retirement benefit a year later when he is 66. She could file then and take a reduced spousal benefit of about $275/month, but is advised by her financial advisor to wait until she turn 66 (full retirement age) to get a higher spousal benefit of $400/month. WRONG.

The deemed filing change states she must file immediately for the reduced benefit of $275/month. If she was not entitled on her own record, she could wait and file at full retirement age for the highest benefit on her record and her spouse’s record. However, she elected a reduced benefit on her record and must take the reduced spousal benefit as soon as it is available.

Note: In this example, if she waits until her full retirement age to file for spousal benefit, they will only pay her the $275/month. She will lose all spousal benefits she could have received beginning the month her husband filed.

Recently, a financial planning firm contacted me who had advised a client’s wife (born in 1954) in 2015 to wait until her full retirement age to take spousal benefits. When her husband filed in 2018, Social Security informed her she must file for reduced spousal benefits right away and could not wait until her full retirement age because she had previously elected reduced benefits on her own record in 2015. The advice was correct at the time provided (2015), but the 2016 changes eliminated the option to wait and get a higher spousal benefit.

Questions? Feel free to give me a call!

About Dennis Heywood

Denny’s career with Social Security provides an in-depth, working knowledge of the Social Security Administration’s internal organization and processes. An expert in all phases of SSA programs: retirement, survivor, disability, and Medicare, Denny has expertise with the complex Social Security regulations based on more than 40 years of experience.

Have You Completed Your 2019 Medicare Certifications?

If you haven’t, all the information that you need is available on the Cornerstone website and AEP Prep Guide web page. Some carrier deadlines for 2019 certification are quickly approaching!

Please remember that you must complete the annual certification process with each carrier not only to sell new business, but to receive renewal commissions as well.

Click here for certification sites and instructions.

Click here for our AEP Prep Guide for more certification information and tips!

If you have any questions or are experiencing any difficulties with the certification process, please contact your Service Representative listed below.

Senior Service Team Alpha Split (by BROKER’S last name):

A – F: Jim Meyer | 513.629.2395

G – K: Lila Sohnly | 614.763.2263

L – Q: Michelle Kapp | 614.763.2257

R – Z: Lisa VanSuch | 614.763.2258

Strategic Partners:

Kelley Myers | 614.763.2248

The HealthPlan’s 2019 Marketing Materials are Available

The HealthPlan 2019 materials are now available to order through your direct THP Agent link!

Agent Certification for 2019 is required before the 2019 materials can be ordered. 2019 kits consist of Enrollment Guides that include all SecureCare HMO and SecureChoice PPO Summary of Benefits and Enrollment Forms for a particular region. Kits are designated by region and are labeled either OH, WVOH or CAP.

SecureCare DSNP kits contain a Summary of Benefits, Enrollment Form, and a Star Ratings Form. There are no Enrollment Guides included with DSNP kits. Additional quantities of enrollment forms for this product ARE available to order separately.

You will receive an email confirmation that your order has been submitted for approval, and will receive a follow-up email notification when the order has been processed and is ready for shipping.

Contact your Cornerstone representative for more information.