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Medical Mutual Issuing Premium Credits to Small Group Fully Insured Clients

November 19, 2020/in Carrier, Employee Benefits, Medical Mutual /by Cornerstone

In an effort to provide direct financial relief, Medical Mutual is issuing a premium credit to Small Group fully insured (off exchange, Grandfathered, Grandmothered) customers. The credit reduces the groups’ applicable December medical, dental and/or vision premiums by 30 percent.

Contact your Cornerstone representative with any questions.

https://www.crnstone.com/wp-content/uploads/2020/11/MMO-Premium-Credits.jpg 480 640 Cornerstone /wp-content/uploads/2019/11/Cornerstone_Logo.png Cornerstone2020-11-19 16:10:052020-11-19 16:10:05Medical Mutual Issuing Premium Credits to Small Group Fully Insured Clients

UnitedHealthcare Updated Coverage Details for COVID-19 Testing and Treatment

November 13, 2020/in Carrier, Employee Benefits, UnitedHealthcare /by Cornerstone

Due to the public health emergency extension through January 20, 2021, UnitedHealthcare will take the following actions:

  • UnitedHealthcare will continue to cover medically appropriate COVID-19 diagnostic and antibody testing (virus/antigen) at no cost-share when ordered by a physician or appropriately licensed health care professional for purposes of diagnosis or treatment of an individual member.
  • Testing for employment, education, public health, or surveillance purposes will be covered when required by applicable law. Benefits will be adjudicated in accordance with a member’s benefit plan; health benefit plans generally do not cover testing for surveillance or public health purposes. UnitedHealthcare continues to monitor regulatory developments during emergency periods.
  • COVID-19 antibody testing must be an FDA-authorized COVID-19 antibody test ordered by a physician or appropriately licensed health care professional, consistent with Centers for Medicare & Medicaid Services (CMS) requirements.

In addition to testing, other changes to treatment and telehealth/Virtual Visits are outlined below.

COVID-19 treatment

The cost-share waiver for COVID-19 covered medical expenses for in-network treatment (including telehealth) when associated with a COVID-19 diagnosis has been extended through December 31, 2020, (includes COVID-related ground transportation) for fully insured and ASO groups with fully insured standards. Starting October 23, 2020, out-of-network coverage when associated with a COVID-19 diagnosis will be determined by the member’s benefit plan.

Virtual Visits

UnitedHealthcare works with Teladoc®, Doctor on Demand™ and AmWell® to help provide telehealth services to members. As of October 1, 2020, members will pay the cost-share (copayment, deductible and coinsurance) upfront for both COVID-19 and non-COVID-19 services. The Virtual Visit cost-share reverted to the customer-specific pre-COVID-19 cost-share in the member’s benefit plan.

Members will be reimbursed for Virtual Visit cost-share for COVID-19 Virtual Visits through the national public health emergency — currently scheduled to end January 20, 2021. No action is required to facilitate reimbursement to the member. The provider will be responsible for member reimbursement, which may take up to 60 days.

Non-COVID-19 Virtual Visit coverage at no cost-share ended September 30, 2020.

Telehealth

The COVID-19 cost-share waiver for in- and out-of-network test and test-related visits has been extended through the national public health emergency — currently scheduled to end January 20, 2021.

The non-COVID-19 in-network cost-share waiver for telehealth services ended September 30, 2020.

UnitedHealthcare will extend in-network expanded telehealth through December 31, 2020. Expanded telehealth allows members to connect with their doctor through live, interactive audio-video or audio-only visits. This includes physical therapy, occupational therapy, speech therapy and chiropractic services (audio-video only). The expansion of out-of-network telehealth ended on July 24, 2020.

UnitedHealthcare is taking short-term actions to further encourage the adoption of virtual care, while keeping a long-term vision to leverage this technology to help build a health care system that works better for everyone. UnitedHealthcare is also expanding existing virtual care solutions and introducing new resources to encourage access to primary care.

UnitedHealthcare’s focus on virtual care is part of an investment in data, technology and innovation, helping to build a more seamless, personalized and connected health system. Beginning Jan. 1, 2021, UnitedHealthcare will introduce a permanent telehealth program that will support our commitment to continually look for new and innovative ways to remove barriers to cost-effective, quality care.

  • We are broadening virtual care availability across multiple types of care including medical, behavioral, specialty (dental, vision and hearing health) and remote-patient monitoring.
  • By expanding virtual care access and capabilities, we are helping achieve the goals of high quality, affordable care with an outstanding member, customer and provider experience.
  • We are advancing affordability and simplicity by finding new and innovative ways to deliver primary care, preventive care, urgent care and on-going chronic condition management in a digital environment.

Benefits may vary for self-insured customers and will be adjudicated in accordance with the member’s health plan, if applicable.

Click here to review the information from UnitedHealthcare.

Contact your Cornerstone representative with any questions.

https://www.crnstone.com/wp-content/uploads/2020/11/UHC-Updated-Coverage-Details-for-COVID-19-Testing-and-Treatment.jpg 480 640 Cornerstone /wp-content/uploads/2019/11/Cornerstone_Logo.png Cornerstone2020-11-13 14:50:362020-11-13 14:51:41UnitedHealthcare Updated Coverage Details for COVID-19 Testing and Treatment

Win Big with Ambetter’s 2021 New Enrollment Bonus Program!

November 10, 2020/in Ambetter, Bonus Programs, Carrier, Individual, Marketplace /by Cornerstone

Earn a one-time, per-member bonus for new Ambetter members you enroll during 2021 Open Enrollment.

NEW ENROLLMENT BONUS

All States*

One-Time Bonus

Number of New Enrollments

$25 per new member

25–49 new members

$50 per new member

50+ new members

*New Mexico policies are not eligible.
You must be the broker of record from 1/1/21 to 3/31/21 for a policy to count toward the new enrollment bonus.

Click here to learn more.

Not appointed with Ambetter? Contact your Cornerstone individual team today to get started.

https://www.crnstone.com/wp-content/uploads/2020/11/Win-Big-with-Ambetter-Bonus-Program.jpg 480 640 Cornerstone /wp-content/uploads/2019/11/Cornerstone_Logo.png Cornerstone2020-11-10 15:43:492020-11-12 14:33:32Win Big with Ambetter’s 2021 New Enrollment Bonus Program!

Deadlines for The Dental Care Plus Group January 1 Business

October 30, 2020/in Carrier, Employee Benefits, The Dental Care Plus Group /by Cornerstone

2021 Group Dental Shelf Rates—Two-Year Rate Guarantee

DCPG’s 2021 dental shelf rates for your small (2–50) groups are now available for January 1, 2021, effective dates. New this year: shelf rates are guaranteed for a period of two years on new sales. There is no impact to the renewal strategy. All shelf rate documents can be accessed here.

Groups that have terminated coverage with DCPG are not eligible for the new sale shelf rates for two years from the date of termination.

Important Deadlines For 1/1 Group Dental Business

In order to ensure member ID cards for January 1, 2021, groups are in the mail by January 1, DCPG must be in receipt of the group’s complete sold case submission, including employee enrollment forms or enrollment spreadsheet, by the following dates:
  • EDI Enrollment – November 20
  • Paper Enrollment – November 20
  • Renewal Plan Changes
    1. Plan changes that require new benefit plan set up – November 20
    2. Plan changes that are moving to an existing plan – November 30
  • ASO groups – November 6 to allow sufficient time for SPD set up, review and approval.
  • New Benefit Plan Designs – November 20

Group Vision Shelf Rates for 2021

DCPG’s vision shelf rate plans are available to groups with 2–200 eligible employees for January 1, 2021, effective dates. These rates are guaranteed for a period of two years (on new sales):

  • Ohio
  • Kentucky, Indiana, and Tennessee

Vision benefits are offered through our partnership with Avesis and accessible through a nationwide network of more than 76,000 access points. The network is made up of both independent and retail providers (Walmart, Sam’s Club, Costco, etc.). Additionally, benefit frequencies are based on plan year versus date of service.

Groups that have terminated coverage with DCPG are not eligible for the new sale shelf rates for two years from the date of termination.

https://www.crnstone.com/wp-content/uploads/2020/10/Deadlines-for-DCPG-January-1-Business.jpg 480 640 Cornerstone /wp-content/uploads/2019/11/Cornerstone_Logo.png Cornerstone2020-10-30 13:18:252020-10-30 13:25:10Deadlines for The Dental Care Plus Group January 1 Business

Earn Your Badges with the Camp Molina Bonuses!

October 20, 2020/in Bonus Programs, Carrier, Individual, Molina /by Cornerstone

Molina Healthcare recently announced their “Camp Molina Bonuses,” which reward agents for new  and renewing 2021 members.

Earn your Fire Maker badge with new 2021 members:

Total # of New Members*

One-Time Bonus Amount per Member

10–24

$15

25–49

$25

50+

$50

*This agent bonus does not apply to the state of Washington. The enrollment of any new member in Washington will not count towards these totals.

Payment Details:

  • Bonus payment will pay out in June 2021 to your agency. Your agency is solely responsible for paying any bonus amounts to you.
  • Bonus amounts must be earned by each agent individually. New enrollments by an agent will not be added to enrollments by a different agent for purposes of meeting the enrollment target.
  • One-time payment. [Not Per Member Per Month (PMPM)]
  • One-time payment will be determined by the total amount of qualifying members and the dollar amount that corresponds.

Program Terms and Conditions:

  • NEW MEMBERSHIP ONLY!
  • Members must effectuate 1/1/21 (1/1/21 or 2/1/21 in CA only)
  • Members must remain enrolled with Molina through 3/31/21 (or 4/30/21 in CA only for 2/1/21 effective membership)
  • Members must not have any data discrepancies in the 834 report
  • Members cannot be in grace period for nonpayment of premium through 3/31/21 (or 4/30/21 in CA only for 2/1/21 effective membership)
  • This agent bonus opportunity does not apply to new enrollments in Washington

Earn your Molina Guide badge with renewing 2021 members:

# of Renewed Members*

One-Time Bonus Amount per Member

10+

$10

*This agent bonus does not apply to the state of Washington.

Payment Details:

  • Bonus payment will pay out in June 2021 to your agency. Your agency is solely responsible for paying any bonus amounts to you.
  • One-time payment. [Not Per Member Per Month (PMPM)]
  • The above table outlines the amount of renewed 2021 members enrolled and the amount per member that you will earn.
  • Bonus will be based on book of business (BOB) through 3/31/21 (or 4/30/21 in CA only for 2/1/21 effective membership).

Program Terms and Conditions:

  • RENEWING MEMBERSHIP ONLY!
  • Members must renew 1/1/21 (1/1/21 or 2/1/21 in CA only)
  • Members must remain enrolled with Molina through 3/31/21 (or 4/30/21 in CA only for 2/1/21 effective membership)
  • Members must not have any data discrepancies in the 834 report
  • Members cannot be in grace period for nonpayment of premium through 3/31/21 (or 4/30/21 in CA only for 2/1/21 effective membership)
  • This agent bonus opportunity does not apply to renewing members in Washington
https://www.crnstone.com/wp-content/uploads/2020/10/Camp-Molina-Bonuses.jpg 480 640 Cornerstone /wp-content/uploads/2019/11/Cornerstone_Logo.png Cornerstone2020-10-20 14:01:142020-10-20 14:46:51Earn Your Badges with the Camp Molina Bonuses!

Attention Individual Agents: Take a Look at the 2021 Carrier County Checklist and Maps!

October 19, 2020/in Carrier, Cornerstone Updates, Individual, Marketplace /by Cornerstone

Cornerstone’s individual team has put together a convenient checklist and maps so you can easily track which carriers are in which Ohio counties for 2021.

The checklist and maps are consistently updated as new information is released. The most updated information can always be found on the Cornerstone Resource Center under the Document Search.

2021 Carrier County Checklist

2021 Oscar Map (Ohio)

2021 Ambetter Map (Ohio)

2021 Molina Map (Ohio)

2021 Anthem Map (Ohio)

Not appointed with any of the carriers on this list? Contact Lead Broker Advisor Geoff Beglen to get started!

https://www.crnstone.com/wp-content/uploads/2020/10/2021-Carrier-County-Checklist.jpg 480 640 Cornerstone /wp-content/uploads/2019/11/Cornerstone_Logo.png Cornerstone2020-10-19 13:57:252020-10-20 14:50:05Attention Individual Agents: Take a Look at the 2021 Carrier County Checklist and Maps!

Register for Ambetter’s Midwest Broker Training Webinar

October 9, 2020/in Ambetter, Carrier, Individual /by Cornerstone

Join Ambetter, a member of America’s largest ACA carrier network, to learn about their 2021 individual and family offerings. They will be expanding into numerous counties in the coming year with some of the most affordable plans on the marketplace.

Note: This webinar will cover the entire Midwest region.

DATE: October 15, 2020

TIME: 3:00 pm EST

MEETING ID: 982-7452-0874

Click here to register.

Not appointed with Ambetter? Contact Geoff Beglen today at 513-629-9358  to get started!

https://www.crnstone.com/wp-content/uploads/2020/10/Ambetter-Midwest-Broker-Training.jpg 480 640 Cornerstone /wp-content/uploads/2019/11/Cornerstone_Logo.png Cornerstone2020-10-09 14:06:472020-10-09 14:06:47Register for Ambetter’s Midwest Broker Training Webinar

Three Great Reasons to Talk Dental from Principal in October

October 2, 2020/in Carrier, Employee Benefits, Principal /by Cornerstone

Consider Principal dental if you’re looking to move a client to a new dental carrier.

Takeover Flexibility

Principal offers the following:

  • Takeover of members’ current rollover amount from the prior carrier. The transfer amount is limited to the lesser of the calendar-year maximum with us, or $2,000. Members must be able to provide documentation of their maximum from prior carrier. Learn more.
  • Refreshed annual maximums when the group becomes effective.
  • Credit for deductible amounts paid in prior plan.

Competitive Rates

Principal recently reduced rates in many states and may now be more competitive in your market.

Large Network of Providers

Principal’s nationwide dental network has increased from 117,000+ to nearly 127,000 unique providers.

Contact your Cornerstone representative for more information.

https://www.crnstone.com/wp-content/uploads/2020/10/Three-Reasons-to-Talk-Dental-from-Principal-in-October.jpg 480 640 Cornerstone /wp-content/uploads/2019/11/Cornerstone_Logo.png Cornerstone2020-10-02 13:47:342020-10-02 13:49:18Three Great Reasons to Talk Dental from Principal in October

Important Notice Regarding Payments from The Dental Care Plus Group

October 2, 2020/in Carrier, Employee Benefits, The Dental Care Plus Group /by Cornerstone

Effective October 1, 2020, The Dental Care Plus Group’s commission payment process will be transitioned to their parent company’s (DentaQuest) payment system.

DCPG is making this change as part of an overall enhancement to their commission payment process—including online access to commission statements (launching in 2021).

PLEASE NOTE THIS DOES NOT IMPACT THE CURRENT COMMISSION RATES/SCHEDULES.

For those of you who currently receive commission payments via paper check: your September commission check (paid in October) will be mailed from DentaQuest’s corporate office in Boston and will be branded with the DentaQuest logo.

If you are interested in receiving future payments electronically, please fill out this form and follow the submission instructions on the form.

Contact your Cornerstone representative with any questions.

https://www.crnstone.com/wp-content/uploads/2020/10/DCPG-Commission-Payment-Process-Update.jpg 480 640 Cornerstone /wp-content/uploads/2019/11/Cornerstone_Logo.png Cornerstone2020-10-02 13:34:182020-10-02 13:34:18Important Notice Regarding Payments from The Dental Care Plus Group

Important Small Group Updates from Aetna Funding Advantage

September 18, 2020/in Aetna, Aetna Funding Advantage, Carrier, Employee Benefits /by Cornerstone

New Plan Sponsor Campaign to Drive Aetna Funding Advantage (AFA) Benefits Engagement

Throught Aetna’s new plan sponsor engagement email campaign, your clients can easily educate their employees and share information with them about their AFA health benefits. The goal of the campaign is to drive engagement, raise awareness, increase product adoption and use, and strengthen the Aetna brand.

The campaign was launched at the beginning of September and will run through December. Three emails will be sent each month—near the beginning, middle, and end of the month. The topics include:

  • Week 1 each month – Aetna HealthSM website/app sign-up
  • Week 2.5 each month – Aetna value-add program engagement: Peerfit and EAP
  • Week 3.5 each month – Attain by Aetna® app sign-up/usage

Click here to view a sample plan sponsor email.

Simplifying 2020 Open Enrollment with New Fulfillment Vendor

The new commercial open enrollment portal is now live for ordering materials and kits through O’Neil Digital Solutions, Aetna’s new fulfillment supplier. The ONEkit portal is their exclusive resource to create dynamic open enrollment materials, which can be downloaded immediately and are free of charge. It also encourages using digital first, improves efficiencies, and supports the needs for customization. Aetna has integrated AetnaTrak and Communications Hub capabilities into this one-stop vendor solution—making it easier for you to help support your small group AFA clients’ open enrollments.

You can order enrollment kits and materials quickly and easily through Producer World. Prompts on the page will direct you, depending on whether you’re ordering materials for the first time or you’ve ordered in the past.

1095-B Tax Forms Update

One of the big perks of AFA plans is that Aetna helps with the preparation, filing, and delivery of 1095-B tax forms for members.

For this tax year, they will soon be processing the 1095-B forms for AFA groups with 5 to 50 employees, who have not opted out. Be on the lookout for more information coming soon.

Reminder: New Business AFA Submission Deadlines Through 2020 and Beginning of 2021

With Q4 2020 and Q1 2021 quickly approaching, please be sure to refer to the chart below for upcoming AFA effective dates’ submission deadlines:

Effective date

IMQ Elite
submitted

Underwriting
quote submitted

Sales notice
submitted

All required
documents
submitted

October 1 9/15/20 9/20/20 10/2/20 10/8/20
November 1 10/15/20 10/20/20 11/3/20 11/9/20
December 1 11/15/20 11/20/20 12/3/20 12/9/20
January 1 12/15/20 12/20/20 1/4/21 1/8/21
https://www.crnstone.com/wp-content/uploads/2020/09/Important-Small-Group-Updates-from-AFA.jpg 480 640 Cornerstone /wp-content/uploads/2019/11/Cornerstone_Logo.png Cornerstone2020-09-18 19:10:482020-09-18 19:10:49Important Small Group Updates from Aetna Funding Advantage
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