WEBINAR WITH CE AVAILABLE: Get the Latest Updates on Aetna’s New Plans for Groups

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Cornerstone is hosting a two-hour web-based training and CE session. Get the latest updates on Aetna’s new plans available September 1 along with 1 hour Ohio CE on Wednesday, July 15 from 10:00 am to 12:00 pm.

The Aetna team will review updates to their employer plan portfolio available September 1, go over their current plans and  value adds.

The CE is “Understanding an Employer’s Risk to Global Assignments,” a one hour CE course covering several topics for groups with International exposure, such as risk diversity by population, compliance, health and well-being, employee safety, global security, and mitigating strategies. Presented by Andy Koesterman.

YOU MUST REGISTER AND COMPLETE A FORM BY JULY 10, 2020:

1. Click here to register.

(The session password is Cornerstone2020!)

2. To receive CE credit for this course, please fill out this attestation and licensing information document and return it to koestermana@aetna.com by Friday, July 10, 2020.

Contact your Cornerstone representative with any questions.

Earn Money with Humana’s Ancillary Bonus Programs!

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It’s as easy as 1,2,3 to earn additional money with Humana ancillary products (dental, vision, and life). See the flyers below for three easy programs to earn you bonus dollars August 2020 through December 2020.

Humana 2020 First-Case Bonus

Humana 2020 Bundling Bonus

Humana 2020 Dental Growth Bonus

EFFECTIVE IMMEDIATELY: Humana Small Group Quoting Requirements

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Humana has released new requirements for quoting Level Funded and NKY Chamber products. Click here for the new Humana coversheet. We have highlighted a few of the new changes below that are now in effect.

Important Changes:

Ohio and Kentucky Alert!

  • In order to quote Humana Level Funded, they will now require the Level Funded application. This application has been updated in FormFire. Effective immediately, Humana Level Funded will not accept the Kentucky or Ohio 51+ application.
  • In order to quote Humana NKY Chamber quotes, they will still require the Kentucky 51+ employee application. The NKY Chamber will not accept the Level Funded application.
  • If you are quoting your group with Humana Level Funded and NKY Chamber, the group must complete the Kentucky 51+ application and the Humana Level Funded application.

Ohio Alert!

  • Health questionnaires will be required for all Ohio groups with 5 to 25 enrolled. Health questionnaires will be waived for Ohio groups with 26+ enrolled and a renewal of less than 25 percent.

Kentucky Alert!

  • Health questionnaires will be required for all Kentucky groups that are 5 to 9 enrolled. For 51+ on payroll, they will also require a Risk Assessment Form.

We have updated our Sending Forms via FormFire cheat sheet with the new form requirements.

Please contact your Cornerstone Broker Advisor with questions.

UnitedHealthcare Full Insured Groups and the MEWA Will Receive Premium Credits Due to COVID-19

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UnitedHealth Group recently announced more than $1.5 billion in asistance and premium support to customers. These measures build upon UHC’s ongoing efforts to address COVID-19 challenges by expanding coverage, supporting the health care system, protecting the health care work force and assisting those most affected by the pandemic.

For UnitedHealthcare fully insured customers, premium relief will be available and they have recently received the following guidance:

  • The premium credit will equate to roughly 10 percent of the May 2020 fully insured medical invoice and will be reflected on the July 2020 invoice (typically issued mid-June).
    • *Credit percentage amount is State specific, if you have groups outside of Ohio the amount may be different
    • *Credit does not apply to All Savers or MEWA groups
  • Customers with fully insured dental coverage will receive a premium credit of roughly 50 percent of your May 2020 dental invoice, and the timing of the credit will align with medical.
  • Ohio Chamber MEWA groups will receive the benefit of the premium credit and received information regarding the program in their July bills. UHC has automatically applied a one-time 10 percent credit off of their medical, and 50 percent off dental, to the July 2020 invoice. The credit is part of UHC’s COVID-19 related premium forgiveness program which was calculated based on a percentage of your May premium. If you have questions related to this credit, please contact your billing or service representative or contact the Ohio Chamber directly for additional information.

Note that you do not need to take any action to receive the credit, as it will be automatically applied to your July invoice.  The credit will be presented as a single line item with a note indicating what it is for.  In some instances, where the billing system is unable to include a line item note, the credit will be included in the balance due and communicated via email or other means.

Please contact your Cornerstone broker advisor with any additional questions.  

Anthem SOCA BP 2019 Summary Annual Reports are Available

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The 2019 Summary Annual Reports (SARs) for participating employers in the Anthem SOCA BP are available for download in the group’s Manage Documents folder.

The Summary Annual Report is a summary of the group’s plan information for the plan year for employers enrolled in the Anthem SOCA BP between May 1, 2018, and April 30, 2019. If a group was not enrolled in the plan during this time, they will not receive a report. Additionally, churches and government entities enrolled in the Anthem SOCA BP will also not receive a report, as they are not subject to ERISA and exempt from SARs reporting.

To access the SARs report, the group’s 8-digit Anthem group number is required. For example, the 8-digit group number should be entered as: 00123456 when prompted.

The SARs reports are for informational purposes only, there is no action required by the broker or group.

Contact your Cornerstone representative with any questions.

Anthem MEWA Groups Will Receive Premium-Equivalent Credits

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As a response to the challenges presented by COVID-19, Anthem will provide premium-equivalent credits the MEWA benefit plan sponsor groups based on April 2020 medical invoices. If groups also have dental Fully Insured coverage with Anthem, they will receive a premium credit on that as well.

The groups will either see the credit on their August 2020 invoice (issued in July 2020) or receive a check for:

  • 10% of the April premium-equivalent for medical plans
  • 50% of the April premium bill for dental plans (if applicable)

Anthem is working to avoid negative impact to broker commissions.

MEWA sponsors issuing the credits include:

  • Southern Ohio Chamber Alliance (SOCA) Benefit Plan
  • Missouri Chamber Benefit Plan
  • Georgia Chamber SMART Plans and Georgia FARM Plans
  • ChamberAdvantage (Kentucky)
  • ChamberCare Health Alliance (Indiana)

Information About The Dental Care Plus Group’s Shelf Rate Reduction

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The Dental Care Plus Group has reduced all dental shelf rate premiums by five percent for effective dates of July 1, 2020, through December 1, 2020. These rates will be guaranteed for two years. Updated rate documents with plan designs and underwriting guidelines are available here on their website.

DCPG will also extend a rate hold on all shelf-rate renewals for those groups with renewal dates in July, August, September, and October.

Contact your Cornerstone representative with any questions.

Learn More About Companion Life’s 2020 Broker Bonus Program

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For cases of 10 or more enrolled with two coverages added per group (existing and new), brokers can earn a $100 bonus per coverage written with Companion Life’s Bonus Program. See the bonus flyer below for details. Companion Life offers Dental, Vision, STD, LTD, Life and Voluntary Life programs.

Click here for more information.

Contact your Cornerstone representative with any questions.

Network and Program Updates From Medical Mutual

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Medical Mutual recently announced that, effective July 1, 2020, Walmart and Sam’s Club will join VSP’s Choice network as retail providers. Also on July 1, groups and members who don’t currently have retail (i.e. COSE groups) and all new business will have access to retail providers as in-network options, including VisionWorks, Costco, Walmart, Sam’s Club, and Pearle Vision locations nationwide. This applies to individual, small group, 51 to 99, 100+, and MEWA clients.

In addition, Medical Mutual announced that, effective June 2020, and continuing through early fourth quarter of 2020, they are going to transition a majority of the approximately 9,750 members currently engaged in Optum’s telephonic Disease Management program to one of the following programs, depending n the member’s needs:

  • Digital health coaching through Lark Health
  • Automated self-monitoring and survey programs through Emmi Solutions
  • Medical Mutual CQHS telephonic chronic condition management
  • Medical Mutual CQHS complex case management
  • More advanced home monitoring through our regional health system partners

These changes apply to any group that is currently enrolled in our Chronic Condition Management program.

Contact your Cornerstone representative with any questions.

WEBINAR: Learn About Anthem’s SmartShopper Cost of Care Tool

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Anthem is expanding its offering of SmartShopper to all Ohio fully insured groups and will be offering to ASO clients starting July 1, 2020.

SmartShopper is a cost of care tool your clients can share with their employees to support their health and economic security. SmartShopper empowers members to save money and earn a reward by giving them full transparency into alternative, high-value, low-cost facilities for a number of established services.

You may have received an email related to SmartShopper webinars in May, which we unfortunately had to reschedule. The good news is that we have two upcoming webinars to review how SmartShopper works and how you can promote and sell the product. We will list the care services included, the member incentives and explain where and how members can self-serve.

Register for one of the two webinars below to learn more on how to leverage this great product.

Tuesday, June, 16th 10:00-11:00am ET

Thursday, June, 18th 12:00-1:00pm ET

Upon registering, you will receive an email with information about logging in to the webinar online or listening by phone.

Contact your Cornerstone representative with any questions.

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