UPDATE: Cornerstone and Allwell’s 2018 Product Training Dates

See below for the updated dates and locations for both training opportunities.

AllWell 2018 Medicare Advantage Training!

Join Cornerstone & AllWell as we discuss their 2018 MA products with you. AllWell will be expanding into 9 more counties in Ohio for 2018!

Please RSVP for one of the locations below.

To RSVP, click here.

(please include your name and the location you would like to attend)

Friday July 28, 2017 | 9:00 am–11:00 am

Yankee Trace Golf Course

10000 Yankee Street | Centerville, OH 45458


Friday July 28, 2017 | 2:00 pm–4:00 pm

Cornerstone Media Center

2101 Florence Avenue | Cincinnati, OH 45206


Not contracted with AllWell (Centene)? Contact Cornerstone today to get started!



UnitedHealthOne’s Cash FANatic Overtime Bonus Incentive Program

UnitedHealthOne’s Cash FANatic Overtime bonus incentive program allows you to keep earning cash for Health ProtectorGuard and Core Access plans! Plus, earn EXTRA for fixed benefit indemnity plans bundled with select ancillary plans.

EARN $50 for every eligible Fixed Indemnity application, PLUS AN EXTRA $25 for every eligible Ancillary product you bundle together!

Eligible Fixed Indemnity Plans:
Health ProtectorGuard
Core Access

Eligible Ancillary Plans:
Dental Premier Choice
Dental Premier Elite
Critical Illness ($20,000 benefit or higher)
Accident SafeGuard
Accident SafeGuard Premier


Bonus is earned when a minimum of 20 eligible fixed indemnity applications are submitted between July 1, 2017 and September 30, 2017, and issued by October 15, 2017. Once minimum is met, bonus will be paid back to the first application. See contest rules below for complete details.

Register by July 31, 2017 to have all eligible business since July 1 count toward your bonus! You must be registered to be eligible. This is an unlimited bonus – the more business you write, the more cash you earn!


Bundling Ancillary with Health ProtectorGuard or Core Access plans can really add up:

(20 Fixed Indemnity apps x $50 per app)

(20 Fixed Indemnity / Dental apps x $50 + $25 per app)

(20 Fixed Indemnity / Dental / Critical Illness apps x $50 + $25 + $25 per app)


Hospital & Doctor Fixed Indemnity Benefit plans may be just what your clients need to help ease out-of-pocket medical expenses. Fixed Indemnity plans are growing in popularity – become the next big FAN and kick your sales into overtime today! Register now!

  1. To be eligible to earn a bonus, you must be registered for the “Cash FANatic Overtime” incentive. Registration prior to July 31, 2017 will have all business received July 1, 2017, and after, count towards the bonus. After July 31, 2017, only applications received on or after date or registration will be applied toward this incentive. Applications must be received from July 1, 2017 through September 30, 2017, and issued by October 15, 2017. Brokers must submit and have a minimum of 20 Core Access or Health ProtectorGuard applications (or a combination thereof) issued to be eligible. After 20 applications issued is reached, the contest will then pay back starting with the first app.
  2. Eligible fixed indemnity products include Health ProtectorGuard and UnitedHealthOne co-branded Core Access plans. An additional contract with GetHealthInsurance.com Agency, Inc. and contract with Independence American Insurance Company (IAIC) is required to offer Core Access plans. Begin the GHIA contracting process here.
  3. Eligible ancillary products to earn the bundle bonus include: Dental Premier Choice, Dental Premier Elite, Critical Illness, and Accident SafeGuard/Accident SafeGuard Premier. Other ancillary products, short term products, optional benefit riders, as well as the UnitedHealth Allies Discount Card do not count toward the bonus opportunity. The bonus for an eligible ancillary product will only be earned when sold with an eligible fixed indemnity plan.
  4. All eligible Fixed Indemnity and ancillary plans must be in force for a minimum of six months (180 days) after the effective date to count as “issued.” Coverage must be in force with premium payment current at the time of contest payout for at least the fixed indemnity product to be included. The ancillary bundle bonus is only paid if both the fixed indemnity product and the ancillary product(s) are still in force at the time of contest payout. If coverage is terminated for any reason prior to six months, the broker will be charged back for any difference if it alters the bonus amount paid.
  5. Bonus is paid as described above.
  6. Bonus follows the Assignment of Commission Form you have on file at the time the application is received, for each qualifying application.
  7. This bonus will be subject to a managing broker commission split, if applicable.
  8. One lump sum payment will be made at the conclusion of the contest (September 30, 2017, issued by October 15, 2017) per broker, based on his or her personal production. Final payment may be made up to 60 days after final issue date. Chargebacks from previous quarter incentive (if applicable) may also occur at this time.
  9. Qualification is based on production as broker of record.
  10. Applications cannot be split between brokers.
  11. Any separate applications of family members for the same product type count as only one application for this contest.
  12. Golden Rule Insurance Company reserves the right to make final judgment on contest qualifiers. Coverage that is withdrawn or does not meet the terms listed in these rules will not count toward contest bonus.
  13. Any required disclosures to brokers’ clients are brokers’ sole responsibility.
  14. This contest is intended for the original recipient of this email only. NPN: 1877824
  15. Select Key and FMO contracted agencies may not be eligible.
  16. 1099s apply.

Earn Cash with Aetna’s Sellebration 2017 Sales Incentive

Aetna’s Sellebration 2017 Sales Incentive program began July 1, 2017 and will end December 31, 2017.

Qualifying product:  Medicare Supplement – underwritten and open enrollment

Qualifying states: AL, AR, AZ, FL, GA, IA, ID, IL, KS, KY, LA, MD, MI, MS, NC, NJ, NV, OH, PA, SC, TN, TX, VA, WY

From these Aetna companies

  • Aetna Health and Life Insurance Company (AHLIC)
  • Aetna Health Insurance Company (AHIC)
  • American Continental Insurance Company (ACI)
  • Continental Life Insurance Company of Brentwood, Tennessee (CLI)

Earn extra cash

  • $150 for each underwritten policy issued
  • $50 for each open enrollment policy issued

The more applications submitted and policies issued, the bigger the payout. There’s no limit to the amount of extra cash you can earn! And, for states with the household premium discount, if two policies are issued, it counts as two policies towards the sales incentive.

Payout details

To receive a payout, you must submit a minimum of 3 signed applications within the same month and policies must be issued within 30 days of the signature dates on the applications. Each month, July through December, is counted separately; and you may participate in any or all of those months

For additional details, click here.


Questions? Contact your Cornerstone representative for answers.

Premier Health Advantage 2018 Kickoff Events

Would you like to learn more about Premier Health Advantage? Join in on any of the training sessions to learn more about Premier’s 2018 Medicare Advantage plans, which includes a new plan offering, enhanced benefits, and other plan changes.

Seating is limited! Register today.

Session 1 | Tuesday August 8, 2017
9:00 am – 11:30 am
Marriott Dayton
1414 S Patterson Blvd.
Dayton, OH 45409
Click here to register.


Session 2 | Tuesday August 8, 2017
1:00 pm – 3:30 pm
Hilton Garden Inn — West Chester
9306 Schulze Dr.
West Chester, OH 45069
Click here to register.


Session 3 | Wednesday August 9, 2017
1:00 pm – 3:30 pm
Crystal Room
845 W Market Street
Troy, OH 45373
Click here to register.


Premier Health Advantage Announces 2018 Kickoff Events

Meet Jarvis: UHC’s Newest Distribution Portal

UnitedHealthcare has officially released its replacement for the UHC Distribution Portal. Jarvis is designed to help brokers drive their Medicare sales to the next level. Login today to find out more about its capabilities.

Do you need additional help in navigating Jarvis? Click here to view a recorded tutorial.



It’s Here! Go Meet Jarvis

Anthem Monthly Broker Updates (Small Group 1–50)

Reminder: Attestation Forms due December and January renewals

Groups with more than 50 total employees (full time, part time, seasonal) averaged over the preceding calendar year should be renewed by large group. Anthem has proactively reached out to brokers on all groups that have at least 21 enrolled on the plan to verify the group size. Please be sure you are responding with this information. Once a small group renewal has been released, Anthem cannot move the group to large group until the following year. Please return attestations timely for groups that need to change market segments.


Reminder: July, August and September Grandmothered Renewals

These renewals are able to move to January 1, 2018 renewal date as long as the group is not on a plan year plan. Groups that do so will only see demographic rate changes at their January renewal (age band changes). Early renewals forms signed by the group are due no later than August 1, 2018. Otherwise they will renew next year to ACA plans (unless there is another extension granted by HHS).


Reminder: Dual Option down to 5 lives—New for ACA Groups

All NEW groups are now eligible for dual option down to 5 enrolled lives starting for May 1, 2017 effective dates for ACA.

  • You must have 5 enrolled in plan to eligible.
  • This is for dual option only.
  • You must have at least one member enrolled in each plan.
  • 10 percent difference in premium between plans

There is no change to the requirements to add a triple option. 10+ enrolled is still required. Please contact your Cornerstone representative with questions.


Updated New Business Checklist Available

Want a smoother implementation process—make sure you are using the updated new business checklist.


Promote Wellbeing in the Workplace with a new Healthy Workplace website

A new resource is available to help Small Group employers build a comprehensive well being strategy from start to finish—Healthy Workplace. This is an interactive website for employers who lack a dedicated wellness consultant and walks the user through a step-by-step process and provides documents and assessments to help along the way. Check it out and see how easy to use it is! Available to any group size, but please note it works best in newer browsers like Chrome or Firefox.


Date for move to new Employer Portal is July 28

The Employer Portal, also known as Employer Access is moving to a new and improved platform as part of a technical upgrade. The move was supposed to happen June 16 but has been delayed until July 28.
The new site has the same functions as before plus updated technology, it’s more secure, and has an improved look & feel – it’s easier to use. Here are the highlights:

  • New flow for self-registration
  • Enhanced Menu of Resources (MOR) including Client Information Insights* (CII) reports
  • Enhanced Online Group Billing (OGB) dashboard
  • Allows for more flexible improvements in the future
  • Employer Group Site Administrators can use their existing username/ password, but will be required to sign a new internet Group Usage Agreement and User Usage Agreement the first time they access the portal.
  • Brokers can use their existing username/password too. Similar to Employer Group Site Administrators, brokers will be required to sign a new internet User Usage Agreement the first time they access the portal after the upgrade. Note: If there isn’t an internet Group Usage Agreement on file for their Employer Group(s), Brokers will have a 30 day grace period in which to contact the group to request they complete the online Group Usage Agreement.

To experience the new look and feel, Employer Group Site Administrator/Users can log in to the portal after July 28 and bookmark the new login page. When users log in after July 28, they will be redirected to the new and improved site.


2017 MLR Survey Timing Clarification

The annual medical loss ratio survey’s began mailing May 25 and will be staggered over several weeks. This has resulted in increased call volumes from Anthem’s groups since a reminder communication was released prematurely.

Anthem has sent out a clarifying message to brokers and employers. In the meantime, if your groups have not yet received their mailing, please let them know that the mailing has been staggered over several weeks. When groups receive the survey notice, they will be prompted to visit a link and complete the survey. As a reminder, responses are not due until July 31.

NOTE: Although most fully-insured small and large group customers will receive the survey, a small subset of customers will not if it does not apply to them. If a customer has not received the survey by the end of June, it is most likely the survey does not apply to them.


Anthem reduces its individual health plan offerings in Ohio for 2018

Anthem will no longer offer Affordable Care Act (ACA) compliant Individual health plans through the Health Insurance Marketplace (also called the exchange) and will reduce our off-exchange plan offerings in Ohio for 2018. This means health benefits for these members will end on December 31, 2017. Soon, Anthem will send Individual members an email sharing this news. Then, in a couple of weeks, Anthem will begin sending impacted members a packet with more details. Members on a PPO plan will receive their packets in June. HMO members will receive theirs closer to the fall open enrollment period.

Anthem will continue to offer one off-exchange Catastrophic health plan in Pike County only. Details about this plan are coming soon. Members who receive their health insurance benefits through their employer and members on Grandfathered and Grandmothered Individual plans are not impacted by this decision. Likewise, Medicare Advantage and Medicare Supplemental plans are not impacted by this decision.

Plan offerings for dental, vision, and life benefits will not change, and will be available to current members and new customers in 2018. Members with dental and/or vision benefits will get renewal details in the fall.


Cuidado Médico on Life Health Online Now Available in 49 States

Cuidado Médico on Life Health Online is expanding access to 48 States to provide access to in network Spanish-speaking doctors from the comfort of home. Starting June 1st, members will be able to use the Live Health Online app to access in network Spanish speaking doctors via private and secure video visits using their smartphone or tablet. Spanish speaking doctors are available by appointment from 7 am to 11 pm, seven days a week. Same day appointments are available in most States.

Contact your Cornerstone representative for details.


New Dental Prime and/or Complete online member guides available

Anthem has developed a demo that guides Dental Prime and Complete members through the various online tools available to them including coverage details, how to perform a Dentist search, Dental Cost Estimator, Ask a Hygienist (email access) and Dental Health Assessment. Share this demo with your clients so they can engage their employees in their dental benefits.


Aetna to Update Mammography Clinical Policy

Effective July 1, 2017, Aetna’s Mammography clinical policy will be updated to allow coverage for breast tomosynthesis (3D mammograms), including coverage for preventive and diagnostic use. This is because, in some parts of the country, this is the only screening technology available. This tool is considered a medically necessary acceptable alternative to standard (2D) mammography.

This technology is said to:

  • Reduce recall rates
  • Reduce the radiation dose compared to previous technology

Cornerstone & Humana MP Invite You to Their 2018 Product Rollout Training Dates

Humana 2018 Product Rollout Meetings
Don’t miss this informative training session with Cornerstone and Humana MarketPoint!

Business team listening to his leader with emphasis on a problem

Humana will introduce their 2018 plan during a state-wide product rollout roadshow! These products will be very competitive plans in Ohio for AEP 2018.

Please RSVP below to one of the following training dates in your area.


(please include your name and the location that you would like to attend)


Monday July 24, 2017 | 2:00 pm–4:00 pm

Youngstown, OH

Denny’s Restaurant

154 Boardman-Canfield Rd. | Boardman, OH 44512


Tuesday July 25, 2017 | 9:00 am–11:00 am

Columbus, OH

Humana Office in Dublin, OH

485 Metro Place South, 5th floor | Dublin, OH 43017


Wednesday July 26, 2017 |  2:00 pm–4:00 pm

Toledo, OH

The Regus

1715 Indian Wood Circle | Maumee, OH 43537


Thursday July 27, 2017 | 10:00 am–12:00 pm

Cincinnati, OH

Cornerstone Media Center

2101 Florence Avenue | Cincinnati, OH 45206


Thursday July 27, 2017 | 1:00 pm–3:00 pm

Canton, OH

Humana Office in Canton, OH

4690 Munson Avenue | NW Canton, OH 44718


Friday July 28, 2017 | 2:00 pm–4:00 pm

Dayton, OH

Yankee Trace

10000 Yankee Street | Centerville, OH 45458


Tuesday August 1, 2017 | 10:00 am–12:00 pm

Cleveland, OH

Humana Office in Cleveland

6100 Oaktree Blvd., Lower Level Conference Room | Independence, OH 44131


Tuesday August 1, 2017 | 11:00 am–1:00 pm

Lima, OH

Lock 16 Steak House

706 N Cable Road | Lima, OH 45805


Not contracted with Humana? Contact Cornerstone today to get started!


POSTPONED: Don’t Miss Cornerstone & Allwell’s (Centene) 2018 Product Training Dates!

AllWell 2018 Medicare Advantage Training!

Join Cornerstone & AllWell as we discuss their 2018 MA products with you. AllWell will be expanding into 9 more counties in Ohio for 2018!

Please RSVP for one of the locations below.

To RSVP, click here.

(please include your name and the location you would like to attend)

Wednesday July 19, 2017 | 9:00 am–11:00 am

Cornerstone Media Center

2101 Florence Avenue | Cincinnati, OH 45206


Wednesday July 19, 2017 | 2:00 pm–4:00 pm

Yankee Trace Golf Course

10000 Yankee Street | Centerville, OH 45458


Not contracted with AllWell (Centene)? Contact Cornerstone today to get started!


Medical Mutual SHOP Marketplace Exit Beginning January 1, 2018

Medical Mutual will no longer offer plans through the Small Business Health Options Program (SHOP) marketplace effective January 1, 2018. Coverage will terminate for affected groups on their renewal date. Medical Mutual will be releasing a letter to small group members informing them of the change. Group officials with affected members will also receive a letter.

Contact your Cornerstone representative for groups affected so we can assist you with a new plan selection.



Medical Mutual Broker Update — July 3, 2017