State Anthem Individual and ACA Groups Rx Change Coming

Members of Anthem’s Individual and Small Group Affordable Care Act health plans will move to their new pharmacy benefit manager, IngenioRx. Clients will receive letters regarding the change in November.

All Anthem members will use IngenioRx on January 1, 2020. Their pharmacy benefits don’t change as a result of the move to IngenioRx.

Members in most other plans, including grandfathered and/or grandmothered plans, already switched to IngenioRx.

Contact your Cornerstone representative with any questions.

Earn Up to $25,000 With Oscar’s National Open Enrollment Broker Bonus Program

With Oscar’s National Open Enrollment Broker Bonus Program, you can earn a one-time bonus of up to $25,000 on top of your regular commission. Here’s how it works:

  • Enroll or renew 50 to 249 policies and earn $20 per policy.
  • Enroll or renew 250 policies or more and earn $40 per policy for all policies.

That means that enrolling 250 policies can get you a bonus of $10,000!

Click here to learn more about the program.

Contact your Cornerstone representative with any additional questions.

Don’t Miss the Deadline to Submit Client Referrals!

The Annual Enrollment Period for Medicare plans runs from October 15 to December 7, 2019, and the Open Enrollment season for ACA plans runs from November 1 to December 15, 2019.

We can help you! As a Cornerstone broker, you have exclusive access to the Agency Services Program, which enables you to refer clients that are outside your scope to ARC Benefit Solutions. The best part? You still get paid while we do the heavy lifting.

Referral Deadlines and Processes for the 2019 Enrollment Season

Through the busy season, we will continually provide the highest quality of service and support to your referred clients. However, due to the high volume of client referrals during the enrollment seasons, priority will be given to referrals received on or before November 30, 2019.

It is easy to refer to us! You can use the hyperlink below or the client can call us directly at our toll-free # 1-877-432-8803. A full process document is laid out in the link below for your reference.

Here are a couple things to consider during the busy enrollment season:

  • Referrals are managed first in/first out
  • A minimum of three client outreach attempts will be made, which will be a combination of phone calls and emails.
  • Priority is given to referrals received on or before November 30, 2019. Every effort is made to ensure outreach to the client occurs within 48 hours. Turnaround time may be delayed during peak periods as we get closer to December 15.

Incomplete submissions will be returned requesting missing information.

Review the referral process

Submit a referral

About the Cornerstone Agency Services Program

October The Dental Care Plus Group Updates

The Dental Care Plus Group Deadlines for 1/1 Business

To ensure member ID cards for January 1, 2020, 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 Friday, December 6, 2019.

2020 Dental Shelf Rates: Two-Year Rate Guarantee

DCPG’s 2020 dental shelf rates for your small (2-50) groups are now available for January 1, 2020 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.

DCPG Vision Shelf Rates for 2020

DCPG’s vision shelf rate plans are available to groups with 2 to 200 eligible employees for January 1, 2020 effective dates. These rates are guaranteed for a period of two years (on new sales):

Vision benefits are offered through their 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.

Contact your Cornerstone representative with any questions.

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.

Click here for more information.

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.

Click here to learn more.

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.

Click here to learn more.

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.

Click here to learn more.

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

Click here to register.

EMPLOYER ACTION REQUIRED: Distribute Medicare Part D Notices by October 15

Group health plan sponsors must provide Medicare Part D “creditable coverage” notices prior to October 15, 2019, the start date of the Medicare annual enrollment period for Part D, Prescription Drug coverage (open enrollment runs from October 15 to December 7, 2019).

Most plan sponsors use the Model Medicare Part D Notices provided by the Centers for Medicare and Medicaid Services (CMS) to notify affected plan participants. Links to all the model letters (in English and Spanish) are available here in .pdf format. Cornerstone has provided versions of the notice in Word Document format for your convenience.

Creditable Coverage Notice

Non-Creditable Coverage Notice

The carriers plan listings and/or links to their creditable coverage site are available below:

Aetna: Please contact your Broker Advisor for more information.

Anthem: Click here.

Humana: Click here.

UnitedHealthcare: Click here.

Medical Mutual: COSE requested. All other plans, click here.

The October 15 deadline applies for all group health plan sponsors, regardless of plan year, plan size, employer size, grandfather status, or whether the plan is insured or self-funded.

Employers who send out Open Enrollment packets prior to October 15 often include the Medicare Part D notices in the Open Enrollment packets to avoid the extra cost and administrative burden of sending them separately.

Because these notices have not changed since 2018, employers who provided these notices earlier this year are not required to provide them again.

Employers are also required to notify CMS online annually that they have sent out these Part D notices. The notice to CMS is due within 60 days after the start of the plan year. See the last paragraph of this article for details.

When Is the Medicare Part D Notice Required?

Medicare Part D notices must be provided at least once annually, prior to October 15th, which is the beginning of the Part D annual enrollment period. Additional notices must be provided if the employer-provided coverage changes (from creditable to non-creditable, or vice-versa), if the individual requests a copy of the notice, and when an individual first enrolls in the employer plan.

Why is the Part D Notice Required?

The reason plan sponsors are required to provide Part D Notices is because a penalty will be imposed on an individual if he/she, after becoming eligible for Medicare Part D coverage, has a lapse of “creditable” prescription drug coverage for a period of at least 63 days. Additionally, such individuals may have to wait until the following October to join. An individual can elect either Medicare prescription drug coverage or other “creditable coverage” to avoid having a lapse in coverage. Thus, Medicare-eligible participants in employer group health plans must know whether or not the employer group coverage is “creditable” so they do not unwittingly incur a late enrollment penalty.

Additional Details on the Disclosure Requirements

  • Group health plan sponsors to whom this disclosure requirement applies include employers and Unions; multiple employer welfare arrangements (MEWAs); federal, state and local government employers; and churches.
  • The Part D Notice must be provided not only to Medicare-eligible active working employees and their dependents, but also to participants who are retired, on COBRA, or disabled and covered under the employer’s prescription drug plan.
  • Although the requirement is only that “Medicare-eligible” individuals be provided this notice, employers often provide it to all plan participants and dependents, because of the practical difficulty of knowing who is Medicare-eligible.

Annual Notice to CMS Also required, though not by October 15th

Additionally, plan sponsors are required to notify CMS annually, via the CMS website (Online Disclosure to CMS form). This notice must be made within 60 days after the beginning of the plan year (or contract renewal date, for small plans that do not file Form 5500s so do not specify a plan year), and it pertains to the creditable coverage status for the prior plan year. For calendar year plans, this notice must be provided to CMS no later than March 1.  Sponsors of non-calendar year plans should mark their calendars to make sure the disclosure to CMS is made within 60 days after the beginning of the plan year. (E.g., for an April 1 plan year, the CMS online disclosure should be made no later than May 30.)

Additionally, if applicable, plan sponsors must complete the Online Disclosure to CMS Form within 30 days after termination of a prescription drug plan or within 30 days after any change in creditable coverage status.

For additional information, click here for the main CMS webpage that provides guidance on “creditable coverage.” Or you can visit the web page at https://www.cms.gov/Medicare/Prescription-Drug-Coverage/CreditableCoverage/

ATTENTION: ACA FFM Certification Reminder

Agents with active on-exchange plans who want to receive renewal compensation must re-certify by the end of 2019. In addition, agents offering on-exchange coverage must certify prior to selling any plans during the 2020 open enrollment period.

Follow these steps to certify:

  1. Go to the CMS Enterprise Portal and log in
  2. Update your information on your Marketplace Learning Management System (MLMS) agent/broker profile
  3. Complete the Marketplace training requirement.
  4. Read and accept the applicable Marketplace Agreement(s)
  5. Print your 2020 Registration Completion Certificate
  6. Confirm your registration by using the Registration Completion List
  7. Please forward a copy of the registration completion certificate to Geoff Beglen at Cornerstone

Questions? Contact individual expert Geoff Beglen.