Earn Cash with IHC’s Short-Term Medical Bonus
Earn a cash bonus for your short-term medical sales with IHC Group’s Short-Term Medical Bonus.
Sell any Independence American Insurance Company (IAIC) short-term medical policy for a duration of 7 months or more and receive a bonus.
Duration |
Bonus |
|
7 months – 364 days |
$25 |
|
13 months – 18 months |
$50 |
|
19 months – 24 months |
$75 |
| 25 months – 36 months |
$125 |
There are no maximums. The more you sell, the more you earn.
September Updates From UnitedHealthcare
UnitedHealthcare’s Start Healthier Health and Wellness Program
UHC’s Start Healthier suite of health and wellness programs, which were developed to help brokers, employers, and customers better understand their health and wellness offerings, are available through fully insured medical plans.
- Healthier Rewards – Personalized health recommendations and rewards for fitness, improving a diet, going to the gym and more.
- Healthier Choices – Strategies to help with personal goals such as weight loss or quitting smoking.
- Healthier Families – Maternity support before, during and after pregnancy.
- Healthier Support – Easier access to support resources for wellness, emotional health, well-being, financial, legal and other needs.
The Impact of HSA Deductible Changes
Because the IRS increased the minimum deductible for qualified High Deductible Health Plans (HDHP) eligible for a Health Savings Account (HSA) to $1,400/$2,800 for individual/family deductibles or $2,800 for an embedded deductible, UHC has updated their plans with the following changes:
- Most plans will make the change on their renewal in 2020.
- Grandfathered and Transitional Relief plans will be changed on Jan. 1, 2020. This will ensure compliance with the IRS standard going forward.
UHC Offers HPV Vaccine at No Cost for Members Aged 9 to 45
UnitedHealthcare recently announced that the vaccine recommended to prevent certain strains of the Human Papillomavirus (HPV) will be available to members aged 9 to 45 at no cost under their medical plans.
Contact your Cornerstone representative with any questions.
LAST CALL for Anthem SOCA MEWA Training in 2019!
Anthem and Cornerstone are offering group agents one last chance this year to get trained on the very competitive SOCA MEWA plans.
This is open to agents who wish to get appointed with Anthem SOCA MEWA and existing SOCA MEWA agents who want a refresher or update.
DATE: Wednesday, October 16
TIME: 10:00 am
WHY:
- One of the most competitive products for healthy small groups!
- If you aren’t certified to sell it, it won’t be offered to your renewing groups if they qualify.
Please click below to REGISTER.
Once you register, you will receive the meeting details
INDIANA: Earn Points With Anthem’s ChamberCare Health Alliance MEWA Program
Earn 15 rewards points for your new ChamberCare Health Alliance MEWA medical sale. New sales with effective dates from October 1, 2019, through January 1, 2020, qualify.
Points can be redeemed for thousands of rewards options, including event tickets, name-brand merchandise, movies and media, and more.
Additional Rules
- Only new Anthem contracts count towards Small Group ChamberCare Health Alliance bonus.
- Points will be awarded 6 – 8 weeks after they are earned.
- Agents must register on the program website to receive Anthem Points earned based on program rules.
Click here for more information.
Contact your Cornerstone representative with any questions.
Principal’s Fourth Quarter Promotion Rewards You For Your Sales
Leverage these tools to boost your sales—whether you’re working with a new or existing client. Clients with effective and renewal dates of September 1, 2019 – January 1, 2020 are eligible.
New business
Start-up dental discount
Your cases under 200 lives are eligible for:
- 5% discount for cases without orthodontia
- 3% discount for cases with orthodontia
Extended rate guarantee program
Your cases under 200 lives that meet all eligibility for the multiple product discount receive:
- Free 2-year rate guarantee for dental and short-term disability
- Free 3-year rate guarantee for group term life and long-term disability
Existing business
Extended rate guarantee program
Cross-purchase renewals receive:
- Free 2-year rate guarantee when adding a coverage line to existing cases under 200 lives*
Principal – Great Lakes Region – 513-733-9400
Limitations: Doesn’t apply to Washington dental and vision small group cases. Doesn’t apply to Florida cases with fewer than 51 lives.
*Applies to all existing lines excluding accident and critical illness.
Anthem Kentucky Releases Chamber Advantage MEWA
Anthem Kentucky has released the Chamber Advantage MEWA solution. This MEWA was created through the partnership of Anthem and the Kentucky Chamber of Commerce. This is an underwritten solution for employers with 2 eligible to 50 total employees on payroll.
The product’s initial effective date will be October 1, 2019. All groups will have a common renewal date of June 1.
Below, you will find the Chamber Advantage Product Guide, Chamber Advantage/Employer FAQ, Chamber Advantage Broker Guide, and Employee Medical Questionnaire (required for groups with fewer than 6 enrolled employees).
Quoting
Quoting is now available for the Chamber Advantage product. You may request preliminary quotes by submitting a dependent level census. For an underwritten quote, medical questionnaires will be required for groups with fewer than 6 enrolled employees. Please send your quote requests to your Cornerstone quoting team at the corresponding office below:
- Cincinnati/Northern Kentucky | Cincyproposals@crnstone.com
- Cleveland | ClevelandProposals@crnstone.com
- Columbus/Athens | Columbus-Athens-Proposals@crnstone.com
- Dayton | Proposal_Dayton@crnstone.com
- Lima | LimaProposals@crnstone.com
- Toledo | ToledoProposals@crnstone.com
To quote Chamber Advantage, the group does not need to be a member of a chamber.
Please contact your Cornerstone Broker Advisor for more information on this product.
ChamberAdvantage Product Guide
RSVP Today: Columbus Oscar Health Broker Seminar
Join Oscar and Mount Carmel leadership to learn more about Oscar, their 2020 products, and their network partnership with Mount Carmel in the Columbus market.
Space is limited, and you won’t want to miss out!
DATE: September 20, 2019
TIME: 10:30 am–12:30 pm
10:30 — Check-in + Networking
11:00 — Seminar begins + lunch
12:00 — Q&A
12:30 — Seminar ends
LOCATION: Mount Carmel East Hospital: Siegel Center | Columbus, OH
Signed Application Requirements for the Fourth Quarter
Effective Date and Application Requirements for December 1 and January 1 effective dates for Small Group.
Below is a list of carriers that will allow applications to be submitted for underwritten rates within 90 and 120 days of the effective date. Contact your Cornerstone Broker Advisor for additional information.
CARRIER |
90 OR 120 DAYS |
| AETNA FUNDING ADVANTAGE | 120 days (1/1/20 effective dates only) |
| ANTHEM SOCA | 120 days from the date the applications are signed or 90 days from the date the employer’s paperwork is submitted. |
| ANTHEM CHAMBER ADVANTAGE | 90 days |
| ANTHEM CHAMBERCARE HEALTH ALLIANCE | 90 days |
| ALLSAVERS | 120 days (12/1/19 & 1/1/20 effective dates) |
| UHC MEWA | 120 days (12/1/19 & 1/1/20 effective dates) |
| HUMANA LF | 90 days |
| MMO COSE MEWA | 120 days (1/1/20 effective dates) |
Aetna Announces 15-Month Contract and Updates to Underwriting Guidelines
Aetna recently announced that Aetna Funding Advantage (AFA) is offering a 15-month contract for December 2019/January 2020 new Aetna customers, along with their current AFA clients who renew in December 2019/January 2020. The contract will be offered in 25 markets*.
Details regarding the new AFA extended contract:
- Offers a 15-month AFA contract
- Applies to new and renewal AFA small group (5–50**) clients with December 1, 2019, and January 2020, effective dates
- Moves your client to a March 1, 2021, or April 1, 2021, anniversary date
- Is available in AZ, CO, FL, GA, IA, ID, IL, KS, KY, LA, ME, MI, MN, MO, MS, NE, NJ, NV, OH, OK, TN, TX, UT, WI and WY
Aetna has also updated their underwriting guidelines on AFA down to two lives. Click here to review the fact sheet regarding these updates.
Click here to access the AFA Quote Cover Sheet.
*Only available in AZ, CO, FL, GA, IA, ID, IL, KS, KY, LA, ME, MI, MN, MO, MS, NE, NJ, NV, OH, OK, TN, TX, UT, WI and WY. Not available on our 1500 HSA plan.
**2 to 50 in GA/KS/MO/S.IL/TX; 2 to 100 in N. IL/OH; 5 to 100 in CO/KY/LA/NJ/TN; 10 to 50 in NV