GeoBlue Travel Insurance Plans Now Available in All 50 States

GeoBlue recently transitioned their individual long-term plans* to a new underwriter, 4 Ever Life International Limited (4ELI), an independent licensee of the Blue Cross and Blue Shield Association. Effective May 24, 2017, new GeoBlue policies for the Voyager and Trekker plans will also be underwritten by 4ELI.

Note: The plans offered through 4ELI will provide the same coverage as the previous plans. Clients will continue to have access to GeoBlue’s services and coverage will continue to be administered in the U.S. by GeoBlue.

 

*This change does not impact GeoBlue’s employer group plans

 

RESOURCES

GeoBlue Plan Availability Update

GeoBlue: One Brand, Fifty-State Solution for Short and Long Term Coverage

Our Strategy Your Success: Weekly Cornerstone Webinars

 

Are you interested in learning more about Cornerstone?

Join us for any of our weekly webinars about Cornerstone and our value-added programs and services — Thursdays from 2-2:30pm starting June 1, 2017.

 

 

June 1, 2017: Cornerstone’s ASP Program

To RSVP, click here.


June 15, 2017: Cornerstone – Our Strategy Your Success
To RSVP, click here.


June 22, 2017: Cornerstone’s Succession Planning Program

To RSVP, click here.


June 29, 2017: Cornerstone’s Broker Centric Knowledge Base & Marketing Solutions Platform

To RSVP, click here.

Altrua HealthShare Training Session

Join Cornerstone and Altrua HealthShare for a training session with Ron Bruno on a great alternative to insurance that is exempt from the Affordable Care Act.

Important Features of Altrua HealthShare:

  • Broad Network
  • EXEMPT from Affordable Care Act
  • Purchase all year, not just during open enrollment
  • Very affordable memberships
  • Available in all 50 states
  • Pays great commissions

 


DATE: June 6, 2017

TIME: 9:00 am – 11:00 am

LOCATION: Cornerstone Media Center

2101 Florence Avenue | Cincinnati, OH 45206

RSVP


DATE: June 7, 2017

TIME: 9:00 am – 11:00 am

LOCATION: Cornerstone Cleveland Office

4500 Rockside Rd., Suite 330 | Independence, OH 44131

RSVP


DATE: June 7, 2017

TIME: 2:00 pm – 4:00 pm

LOCATION: Cornerstone Columbus Office

9482 Wedgewood Blvd., Suite 130 | Powell, OH 43065

RSVP


DATE: June 9, 2017

TIME: 9:00 am – 11:00 am

LOCATION: Cornerstone Toledo Office*

4444 Keystone Dr., Suite F | Maumee, OH 43537

RSVP

*This location is subject to change depending on the number of registrations.

2-hour CE Training with Custom Design Benefits in Columbus

Join Cornerstone and presenter Jennifer Nevin from Custom Design Benefits for a 2-hour CE training event discussing True Cost Plans. This reference-based pricing plan is based on Medicare Plus 40 percent provider reimbursement.


DATE: June 13, 2017

TIME: 10:00 am – 12:00 pm

LOCATION: Wedgewood Country Club

9600 Wedgewood Blvd., Powell, OH 43065

RSVP: Click HERE

UHC AARP Med Supp Training Sessions

Join Cornerstone to learn about the important upcoming changes for AARP Medicare Supplement Insurance Plans in Ohio!

Learn more about upcoming underwriting, rating, and application changes in the state of Ohio for UHC AARP Med Supp Insurance plans.

These new changes will go into effect for plan effective dates of July 1, 2017, and later.
 
The training session will cover:

  • Market competitive information
  • Up-to-the-minute product updates
  • Upcoming changes specific to Ohio

 
Sign up today to learn about these important updates!
 
DATE: May 30, 2017

TIME: 1:00–3:00 pm

Registration 1:00–1:30

LOCATION: Holiday Inn Cleveland S – Independence

6001 Rockside Road, Independence, OH 44131

REGISTER


DATE: May 31, 2017

TIME: 10:00 am–12:00 pm

Registration 10:00–10:30 am

LOCATION: Hilton Columbus/Polaris

8700 Lyra Drive, Columbus, OH 43240

REGISTER


DATE: June 1, 2017

TIME: 10:00 am–12:00 pm

Registration 10:00–10:30 am

LOCATION: Hilton Garden Inn Cincinnati/West Chester

9306 Schulze Drive, West Chester, OH 45069

REGISTER

Help Your Clients Avoid Scams After Receiving New Medicare Cards

With the passage of the Medicare Access and CHIP Reauthorization Act (MACRA), the Centers for Medicare and Medicaid Services will be issuing new Medicare Cards to all beneficiaries over the next two years. While this change is being made to help protect individuals from fraud, experts are warning that this is providing an excellent opportunity for scammers.

You can help your clients avoid these scams by making sure they keep the following tips in mind.

  • Medicare recipients do not need to do anything. Their new card will be sent automatically.
  • No payment of any kind is required. There is no need to provide a credit card or bank account information.
  • They will not be contacted in person or via phone. They will not be asked to verify their Social Security Number.

 

For additional information, review the articles below:

NEW MEDICARE CARDS ARE ON THE WAY – Federal Trade Commission:  https://www.consumer.ftc.gov/blog/new-medicare-cards-are-way?utm_source=govdelivery

WHAT’S THE SOCIAL SECURITY NUMBER REMOVAL INITIATIVE (SSNRI)? – cms.gov: https://www.cms.gov/medicare/ssnri/index.html

Members of Grandmothered Small Groups Receive Letter About Transitional Relief Extension

Medical Mutual mistakenly sent out a letter regarding a notification about the Ohio Department of Insurance (ODI) to some members in grandmothered small groups. The letter was intended for group officials, who will receive revised letters this week explaining their extended rates following ODI’s adoption of the transitional relief extension. If groups inquire about members receiving the letter, please let groups know the letter was sent by mistake and their members can discard the communication.

Questions? Concerns? Contact your Cornerstone representative today.

Enhance Your Clients’ Benefits with Disability Contract Differentiators

Disability contracts have a lot of moving parts.  Make the sale and boost your clients’ benefits by underlining distinct differences and flexible options that come with the disability contracts we offer such as:

  1. “Or” definition of disability, which means employees who aren’t “totally disabled” may still qualify from day 1
  2. Own job evaluation for short-term disability vs. the more common “own occupation”
  3. Extended earnings protection to help employees earning commissions or billing for services bridge the earnings gap after a long-term disability
  4. “Inability to earn 80%” of income vs. “20% income loss” language, which allows employees to qualify sooner

Contact us today to discuss how these benefits help provide the best fit for your disability clients.

MMO Plans Available through Cornerstone!

Join Cornerstone to partner with one of Ohio’s oldest and largest carriers!

Medical Mutual of Ohio was ranked the no. 1 Medicare Advantage carrier for growth in 2016.

Cornerstone is the leading FMO for Medical Mutual of Ohio for Individual, Medicare Supplements, and Medicare Advantage Plans. Join us now for access to the tools, technology, and resources necessary to grow and retain your business.

 

Cornerstone provides the right tools, technology, and broker training to ensure your clients receive the best in the market. For more information, contact us today!

Why partner with Cornerstone?

  • A growing team of experts that will help support your business efforts
  • Exclusive access to Broker Centric to access customizable marketing materials and training tools
  • Complimentary quoting tools
  • Marketing platforms
  • Lead generation opportunities
  • A referral program for business that you may not want to handle in house that enables you to be compensated
  • Corporate counsel to help you remain compliant
  • T65 lists for your marketing efforts

Are You Ahead of the Game?

Marilyn Schultz

Marilyn Schultz | Vice President, Corporate Strategy

Frequent changes and upheaval in the health insurance industry may necessitate a revamping of existing business strategies to reduce stagnation. Modifying your existing business plan and updating your brand can refocus efforts to stimulate business growth and aid in retention.

Expand. Update or improve your product offerings to include new products or lines.

  • With an average of 10,000 baby boomers turning 65 daily, and with this trend expected to continue for many years, it is an ideal time to begin selling in the senior market. AHIP and carrier certifications for the next annual enrollment period typically start in July. The time is ripe to update your portfolio to include this market segment and its product offerings.
  • Incorporate focused selling to special client segments, such as dual-eligible special needs beneficiaries (D-SNP), or increase your understanding of the Medicare Supplement (Med Supp) Plans D and G. New Medicare enrollees won’t have the option to choose the Med Supp Plans C or F beginning in 2020.
  • Add more value to your product line with packaged sales that include hospital indemnity products, health and wellness solutions, and identity theft safeguards.

Modify. More and more clients rely upon their broker to navigate them through a myriad of legislative changes and compliance updates resulting from healthcare reform. While one of the many hats a broker must wear has always been as consultant, this is evident today more than ever. Modifications to business strategies may be necessary to accommodate increased time demands from your clients and to adjust for reduced or eliminated commissions and shortened enrollment periods.

  • Incorporate charging a service fee to your business model. In most states, agents can charge their clients a fee as long as certain requirements are met and certain disclosures are made.
  • Revise networking practices where clients outside your business scope are handed off to industry colleagues and investigate using the services of a trusted agency that offers a program that pays you for your referrals.
  • Partner with a general agency for access to superior carrier contracts, back-room administrative service, and training opportunities, structured to save you precious time and resources.

Refresh. Is your image outdated? Are your marketing efforts yielding the expected return? Is it time for a different approach? Online lists with hundreds of marketing ideas to grow your business are only a click or two away. Most business plans include a marketing strategy and detailed annual marketing goals. The key is to continually revisit and reframe these goals, making the necessary changes to ensure they remain viable.

  • Consider updating your image. Modernize your logo and your website to entice prospects with a fresh brand and avoid your existing clients seeing you as passé.
  • Try creative new ways to reach your clients and prospects. Start a newsletter and use email or social media to market your efforts.
  • Use referral tactics, including adding a refer-a-friend page to your website.
  • Refresh your data. Your existing book of business presents additional marketing opportunities. Find commonalities with your clients, such as using the same financial planners, accountants, or blue collar services. Reach out to these businesses using your client connections and become the broker they refer their customers to in the future.

With the bulk of 2017 enrollments on the books, 2018 product updates on the horizon, possible legislation changes on the way, and certification periods looming, this is a great time to revisit and revise marketing strategies to your advantage.

Cornerstone is available to assist you with incorporating any sales or marketing changes you may undertake to your business plan. Call today to speak with any of our Employee Benefits, Individual, or Senior Marketing advisors and ask about access to Centric, our broker-exclusive marketing and knowledge base repository.