Recent News

Anthem August 2020 Updates

Anthem Updates: New Producer Toolbox Dashboards, Live Chat, and More

Updates include Producer Toolbox Enhancements, XPRIZE, and the EmployerAccess Mobile App.
Anthem MLR Rebates

Anthem Will Issue MLR Rebates in August

In an effort to ease the financial burden of the COVID-19 pandemic, Anthem will fast-track the MLR rebates to August.
Create a My Social Security Account Today

Social Security Spotlight: Create a “My Social Security” Account Today

Every adult over the age of 18 should create a “My Social Security” account and take care to keep their ID and passwords up to date, changing them annually.
Why Aetna International Health Insurance Solutions?

Why Aetna International?

If you have a group customer that has some sort of International exposure, Aetna International has the tools, resources, and plan offerings needed to ensure your valued customer is properly taken care of.
Employee Benefit Extensions

Employee Benefit Extensions for the COVID-19 Pandemic: COBRA, FSA, HRA, and More

Understand the 8 employee benefit extensions designed to help employees and COBRA beneficiaries during the COVID-19 pandemic
All Savers Now Available for Companies with 100 to 300 Employees

All Savers Now Available for Companies with 100 to 300 Employees

All Savers availability will be expanded to include groups sized 100 to 300, as well as groups with more than 100 eligible and at least 75 enrolled employees.
Important ACA Updates From Medical Mutual

Important ACA Updates From Medical Mutual

Product updates, coverage changes, and business tips from Medical Mutual.
Anthem New Business Bonus

Sell More and Earn More with the Anthem New Business Bonus

New Southern Ohio Chamber Alliance Benefit Plan and ACA groups sold with effective dates between August 1, 2020, and December 31, 2020, are eligible.
CE Available: Aetna New Plans

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

The Aetna team will review updates to their plan portfolio available September 1, review their current plans and  value adds.
New Federal Pandemic Unemployment Compensation Video

Healthcare.gov New Federal Pandemic Unemployment Compensation Video

CMS released a video about reporting federal pandemic unemployment compensation. Click here to watch the video.
Humana Ancillary Bonus Programs

Earn Money with Humana's Ancillary Bonus Programs!

It’s as easy as 1,2,3 to earn additional money with Humana ancillary products (dental, vision, and life).
FormFire: Essential Technology in the Small Group Market

FormFire: Essential Technology in the Small Group Market

For brokers who want to compete in today’s small group market in Ohio, access to FormFire is essential.
Humana Small Group Quoting Requirements

EFFECTIVE IMMEDIATELY: Humana Small Group Quoting Requirements

Humana has released new requirements for quoting Level Funded and NKY Chamber products.
UnitedHealthcare Announces Premium Assistance

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

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.
Anthem SOCA Annual Report

Anthem SOCA BP 2019 Summary Annual Reports are Available

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.
Anthem MEWA Premium Credits

Anthem MEWA Groups Will Receive Premium-Equivalent Credits

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.
MLMS Going Dark July 17

HEADS-UP: Marketplace Learning Management System Will Close July 17

The Marketplace Learning Management System (MLMS) will close or "go dark" starting July 17 in preparation for the launch of registration and training for plan year 2021.
Information About The Dental Care Plus Group's Shelf Rate Reduction

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

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.
PCORI Fees Due to IRS No Later Than July 31, 2020

PCORI Fees Due to IRS No Later Than July 31, 2020

Fees to fund the Patient-Centered Outcomes Research Institute (PCORI) are due to the IRS no later than July 31, 2020, from employers who sponsor certain self-insured health plans.
Companion Life Bonus Program

Learn More About Companion Life's 2020 Broker Bonus Program

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.
Network and Program Updates From Medical Mutual

Network and Program Updates From Medical Mutual

These updates include VSP network updates and enhancements to Chronic Condition Management Program.
Cornerstone Wins Top Workplace 2020

Cornerstone Wins Top Workplace for Sixth Consecutive Year!

The anonymous survey uniquely measures 15 drivers of engaged cultures that are critical to the success of any organization: including alignment, execution, and connection, just to name a few.
Anthem SmartShopper Cost of Care Tool

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

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

Saving You Time on ACA Quotes: ACA Quoting Changes Effective June 1, 2020

Cornerstone agents will receive ACA quotes in an Excel template format with plan design details starting June 2020.
SOCA Benefit Plan and MEWA.io

SOCA Benefit Plan and MEWA.io Walkthrough Video

MEWA.io will help to simplify the administration processes and maintain compliance to ERISA.
UnitedHealthcare Announces Premium Credits for Clients

UnitedHealthcare Announces Premium Credits for Clients

As you may have heard, UnitedHealth Group recently announced more than $1.5 billion in assistance and premium support to customers.
Aetna Funding Advantage Announces New Plan and Network Options

Aetna Funding Advantage Announces New Plan and Network Options

Aetna Funding Advantage recently announced new plan and network options, pharmacy offerings, and member programs and resources for small business clients.
Surprise Billing Behind the Scenes

Surprise Billing Behind the Scenes

Out-of-network “balance billing,” or “surprise billing,” occurs mostly when a patient sees a provider who is not contracted with a given insurance carrier during the course of a treatment or procedure or in an emergency when they are transported, unknowingly, by an out-of-network service provider.
Ameritas COVID-19 Benefit Enhancements

Ameritas Offers COVID-19 Benefit Enhancements

In an effort to help customers maintain their benefit coverage and good health during the pandemic, Ameritas as extended premium grace periods for all their customers and eliminated renewal rate increases for many groups.
Golden Rule's New Bonus Program

Take Advantage of Golden Rule's New Bonus Program!

When you meet your baseline of 10 eligible applications submitted between May 18, 2020–August 31, 2020, you can be enjoying more than the nice weather.
2021 Contribution Limits

IRS Announces 2021 HSA Contribution Limits, HDHP Minimum Deductibles, and HDHP Out-of-Pocket Maximums

The IRS has released the 2021 cost-of-living adjusted limits for health savings accounts and high-deductible health plans.
UHC Broker Renewal Packets

UnitedHealthcare's Broker Renewal Packets Go Paperless

As a part of UnitedHealthcare’s Go Green initiative and due to the number of brokers now working from home, UnitedHealthcare will no longer send hard copy renewal packets to their broker and general agent partners.
SOCA MEWA Product Dues

SOCA MEWA Product Dues Were Incorrectly Credited to June Invoices

Please be advised that Anthem is working to correct and adjustments will be made.
Dental Care Plus Premium Credit

The Dental Care Plus Group Premium Relief for our Employer Groups and Individuals

The Dental Care Plus Group is offering employer groups and commercial individual members a 50 percent credit for April premiums paid and 50 percent credit for self-funded administration fees paid in April.
Humana On Hand Webinars

WEBINAR: Learn About Humana's On Hand Plan

On Hand members have access to virtual care without needing to leave their homes
Anthem Chamber Advantage

Don't Forget Open Enrollment for the Anthem Chamber Advantage is Open!

The open enrollment’s last day to enroll is June 30, 2020.
Principal Dental Credit

Principal to Provide 10% Premium Dental Credit to Employers

Principal is providing a premium credit of 10% for the months of June through October 2020 to employers, based on the prior month's bill premium, who have a fully insured dental policy with them.
Benefits of Enhanced Direct Enrollment

The Benefits of Enhanced Direct Enrollment

Consider using Enhanced Direct Enrollment, which allows you to remotely assist your clients with applying for, enrolling in, and managing Marketplace coverage.
Medical Mutual Employee Care Card

Information About the Medical Mutual Employee Care Card

Medical Mutual recently announced their new Employee Care Card, which allows employers to provide tax-advantaged financial assistance to employees during the COVID-19 pandemic.
DOL Issues Benefit Extensions

DOL Issues Benefit Extensions During COVID-19 National Emergency

The goal of the benefit extensions is to minimize the possibility of individuals losing benefits because of a failure to comply with an applicable timeframe.
Delta Dental Pandemic Relief Program

Delta Dental Announces Pandemic Relief Program

Delta Dental recently announced their Pandemic Relief Program, which is focused on easing financial burden for clients in the wake of the COVID-19 pandemic.
Cornerstone Returning to Offices

Cornerstone to Begin Returning to Offices Over Next Couple Weeks

Following the guidance released from the state of Ohio, Cornerstone is pleased to announce that our staff will slowly return to their offices over the next several weeks.
Supreme Court ACA Ruling

The Supreme Court's ACA Ruling and What it Might Mean

According to ThinkAdvisor, the U.S. Supreme Court's ACA ruling could "add some stability to the individual and family major medical insurance market, at a time the COVID-19 is shaking everything up."

Important News About UnitedHealthcare Short-Term Medical Plans

Golden Rule's short-term medical product in Ohio will now be replaced by UnitedHealthcare's new short-term medical plans starting May 1.
Working Remote Using Telesales

WEBINAR: Increase Your Income by 30 Percent!

Agents will learn how to use telesales during this really unusual time and be able to do a "simple customer service call" and transition into a sale.
PCORI Fee Extension

PCORI Fee Has Been Extended 10 Years

This means that fully insured and self-insured health plans must continue to pay these fees through 2029.

Aetna Funding Advantage Administrative Fee Credit

With Aetna Funding Advantage plans, your groups can now earn a $100 administrative fee credit per enrolled employer for new business

Carriers Offering Off-Cycle Plan Changes Due to COVID-19

Currently, three of the major medical carriers are offering an opportunity for employers to either buy-down their current option(s) or to add additional lower priced options to their current benefit offering.
SOCA Participating Employer Product Dues

SOCA Product Dues Invoicing Change

SOCA Participating Employers are required to execute a Participating Business Acknowledgement agreement, which requires the payment of product dues.

Boost Your Earnings with Anthem's Individual SEP Broker Bonus Program

Anthem's Individual SEP Broker Bonus Program rewards agents with a one-time bonus of $150 for each member enrolled in an Individual ACA on- or off-exchange plan.
Medical Mutual Transitional ACA Policies

Medical Mutual Extends Transitional ACA Policies Through 2021

Following the Ohio Department of Insurance's memo extending transitional policies through 2021, Medical Mutual will allow their transitional individual and small group business to renew their non-ACA-compliant coverage through the 2021 plan year.
ODI License Updates During COVID-19

Ohio Insurance License Renewal and Continuing Education Relief During COVID-19

The Ohio Department of Insurance recently announced that Governor DeWine signed House Bill 197, which includes relief to insurance license-holders whose license expires during the coronavirus pandemic.
How to Determine Medicare Creditable Coverage

How to Determine Medicare Creditable Coverage

The law requires that each employer offering prescription drug benefits as part of their employee benefit plan must notify any Medicare-eligible participant and the federal government if the coverage offered is at least as good as the standard Medicare prescription drug plan.
Coronavirus Stimulus Payments: What You Need to Know

Coronavirus Stimulus Payments: What You Need to Know

Cornerstone put together a guide that answers all your questions about direct payments.

Update to FormFire Client Services Hours

Effective Monday, March 30, 2020, FormFire's Client Services hours will temporarily change to 9:00 am to 5:30 pm EST.
Update from ODI Regarding COVID-19

UPDATE FROM ODI: Health Insurance Coverage Flexibility for Ohio Employees

The Ohio Department of Insurance (ODI) released a Bulletin on Friday with orders regarding insurers' response to the COVID-19 threat.

IMPORTANT: Legislative Guidance Regarding COVID-19

As we all navigate through the COVID-19 pandemic, the carriers are issuing guidance with coverage details on diagnosis, testing, and treatment of the virus.
Required Tax Forms for Clients Enrolled in Marketplace Who Have Received Premium Tax Credits

Required Tax Forms for Clients Enrolled in Marketplace Who Have Received Premium Tax Credits

Consumers who have enrolled in coverage through the Health Insurance Marketplace and have received payments of the premium tax credit (APTC) must use Form 1095-A to complete Form 8962 when they file their 2019 federal income taxes.

IMPORTANT: Carrier Guidance Regarding COVID-19

As we all navigate through the COVID-19 pandemic, the carriers are issuing guidance with coverage details on diagnosis, testing, and treatment of the virus.

Cornerstone's COVID-19 Mandatory Remote Work Policy

We have been preparing for this situation and our expectation is to have minimal disruption in the support that we provide to you, our partners. Our team is properly equipped to manage the business at hand remotely.

We Want to Help You and Your Group Clients!

If you have employee benefit clients who are laying off employees, clients who are thinking about ceasing to offer group health insurance coverage due to the coronavirus (COVID-19) pandemic, or if you know of individuals in need, we have solutions to assist your clients and help you retain potential lost revenue.

An Update From Cornerstone Regarding Coronavirus COVID-19

Cornerstone is continually monitoring developments about the coronavirus COVID-19, with the health and safety of our broker partners and our employees at the front of mind.

Updates Regarding the UnitedHealthcare Ohio Chamber MEWA

UnitedHealthcare (UHC) is offering a bonus to agents who sell the new Ohio Chamber Health Benefit Plan MEWA medical plans with effective dates in May 2020.

IRS Releases 2019 Form 8889 and Instructions for HSA Reporting

The IRS recently released the 2019 version of Form 8889 for Health Savings Accounts (HSA) and its instructions.

IRS Allows HDHPs to Cover COVID-19 Testing and Treatment With No or Low Deductible

The Internal Revenue Service (IRS) has issued a notice allowing high-deductible health plans (HDHPs) to provide benefits associated with testing for and treatment of the 2019 Novel Coronavirus (COVID-19) without a deductible, or with a deductible below the applicable HDHP minimum deductible (self-only or family).

Extension of Transitional Policy for Non-ACA Compliant Plans Through Calendar Year 2021

On January 31, 2020, the Center for Consumer Information and Insurance Oversight (CCIIO) issued an Insurance Standards Bulletin extending CCIIO's transitional policy through calendar year 2021, provided that all policies begin on or before October 1, 2021 and end by December 31, 2021.

ATTENTION BROKERS: Take Advantage of Our Partnership with Delta Dental of Kentucky

Cornerstone is excited to announce that, as of February 1, 2020, we have officially partnered with Delta Dental of Kentucky for groups 2 to 99.
Answering your questions about Autopilot

Answering Your Questions About Autopilot!

This program offers the services of licensed representatives to quote, enroll, support, and provide year-round service to clients that may fall out of your business scope, but never off your radar!
UnitedHealthcare Real Appeal and Rally Coach

UnitedHealthcare Clients Access Real Appeal with Rally Coach

As of February 18, 2020, employees using UnitedHealthcare's Real Appeal weight loss program will access their accounts via the Rally Coach web experience.
ACA Reporting Guide

Reminder: ACA 1094/1095 Reporting Requirements for 2019

Cornerstone recently released the ACA 1094/1095 Reporting Requirements for 2019.

January 2020 Anthem Updates

Drug list changes, retail stores updates, SOCA benefit plan modifications, and more.

Ohio Chamber MEWA Extends Membership Discount

The Ohio Chamber has decided to extend their $100 discount to enrolling employer groups through the end of August 2020.
ChamberAdvantage-Dues

Anthem KY ChamberAdvantage Plans Include Two Separate Fees

Make sure your clients understand that they have to pay the chamber both membership dues and product dues.
New-Anthem-App

Anthem Anywhere App Retires January 20 (OH, IN, KY)

Anthem recently communicated to clients that Sydney Health is replacing the Anthem Anywhere mobile app
For business

IRS Extends 2019 ACA Reporting Deadline

The IRS extended the Affordable Care Act reporting deadline to March 2, 2020.
January-Humana-Updates

Check Out Humana's Most Recent Updates!

Humana has released updates regarding Go365, Doctor on Demand, and the 2020 Producer Guide.
Anthem-SOCA-MEWA-Dues

IMPORTANT: Anthem SOCA MEWA Product Dues

Anthem has provided a list of groups with delinquent SOCA BP product dues that need to be paid by January 15, 2020, or the employer will not receive a May 1, 2020, renewal.
FormFire-Anthem-SOCA-1094-Tax-Forms

Anthem SOCA BP 1095 Tax Forms Available February 3

According to FormFire, the Plan Administrator for the SOCA Benefit Plan is preparing the completed 1094-B and 1095-B Tax Forms on behalf of participating employers in the SOCA Benefit Plan.
Humana Specialty Bonus Programs

Humana's 2020 Specialty Product Bonus Programs

Humana offers bonuses for new specialty lines of coverage for effective dates between February and July of 2020.

Congress Repeals Cadillac Tax and Health Insurance Tax

The legislation fully repeals the Cadillac Tax and repeals the HIT effective January 1, 2021.

Medical Mutual's SuperDental Network Expands Provider Options

This new network will provide dental members with nearly 1,600 more dental providers than the current network.

Emergency Medicine Physicians of Cincinnati is Leaving Anthem's Networks

Pending final negotiations, Emergency Medicine Physicians of Cincinnati will leave Anthem's networks effective December 24, 2019.

What Drives the High Cost of Health Care?

From all perspectives, there is no one single cause for the rise in costs, nor is there a single solution to contain them.

Grow your Business With The Standard’s Partnership Rewards Producer Bonus Program

The Standard’s Partnership Rewards producer bonus program offers incentives for small business sales, as well as large cases, and rewards new and retained business.

Social Security Spotlight: 2020 Social Security Information

As you read through the changes, pay particular attention to the Retirement Earnings Test Exempt Amounts.

Take Advantage of Principal's Broker Bonus Program

Increase your earning potential with Principal. Place new business and retain business and you may be eligible for their group benefit bonus programs.

FormFire Introduces Condition Selector

In an ongoing effort to enhance the medical underwriting process while making our user experience as seamless and easy as possible, FormFire has made changes to the Employee Interview.

Quoting the Ohio Chamber MEWA for Current UHC and AllSavers Group Customers

UnitedHealthcare (UHC) is not requiring applications at this time to review the suitability of current cases for the Ohio Chamber MEWA.

Shopper's Guide to Navigating Discount Drug Programs

In the face of soaring drug prices, consumers have found an ally in their local big box stores, such as Walgreens, Walmart, Kroger, Target, etc. Roughly 4 out of 10 Americans rely on these programs to find savings for their prescription drugs.

October Medical Mutual Updates: Changing Payments, Deadlines, and Individual Market Updates

Click here for Medical Mutual employee benefits and individual updates that you need to know ahead of the busy season!

Medical Mutual's 2020 Small Group ACA Plan Grids are Now Available

Medical Mutual’s updated plan grids, benefit highlight sheets, and Summary of Benefits and Coverage (SBC) documents are now available for the 2020 Small Group ACA rollout.

Employer Action Required! Distribute Medicare Part D Notices by October 15, 2019

Group health plan sponsors must provide Medicare Part D “creditable coverage” notices prior to October 15th, the start date of the Medicare annual enrollment period for Part D, Prescription Drug coverage.

Cornerstone is a Top Workplace for the Fifth Year in a Row!

The Top Workplace honors are awarded based solely on employee feedback gathered through an administered third-party survey. We continue to keep our top-ten standing, ranking #8 out of the 60 small businesses on the list this year.

2019 HSA Refresher: The Ins and Outs

As deductibles continue to rise and these numbers continue to grow, it is important to know the ins and outs of HSAs so that we can better advise our clients.

The Importance of Wrap Documents

Are you looking to provide even more value for your group clients?

What are Association Health Plans?

The Trump Administration and the United States Department of Labor (DOL) announced new rules for Association Health Plans (AHP). The new rules allow insurance carriers to expand access to the market for fully insured plans beginning September 1, 2018, and on January 1, 2019, for self-funded plans.

The Holy Grail of Advertising: The Importance of Referrals From Your Clients

It can’t be said enough: Referrals are one of the most important components of a successful inbound sales strategy.

Short-Term Health Insurance: A New, More Affordable Option

Many short-term plans come with additional perks and benefits such as wellness, telemedicine, etc.

You Have a Lot to Offer! Increasing Revenue with Ancillary Sales

Add-on products or ancillary sales can account for as much as twenty percent of additional business revenue.

What's Old is New Again: Recycling in the Individual Market

The title of one of my favorite movies, Back to the Future, seems apropos when compared to today’s individual health insurance market. With the Affordable Care Act (ACA) being anything but affordable, many consumers are looking for alternative options to cover themselves and their families.

Set Yourself Apart with Level-Funded Health Plans

What if you could provide hope, grow your book of business, and add unique value to help your small business clients save money all at the same time?

Are You Ahead of the Small Group Game?

If you are at all involved in the sales and/or service of small group insurance products, you have likely encountered MEWAs or been asked to advise on the pros and cons of such an arrangement.

You Don't Have to be Zuckerberg to be in "The Social Network"

You can create a simple social media strategy that facilitates your business’s growth and augments your communication with customers.

Opioid Use Disorder: An Epidemic That Does Not Discriminate

Recently I attended a seminar on what has become the nation’s number one health care crisis: opioid use. It was a wake-up call to some astonishing information. Our industry has begun to feel the devastating effects and so far there is no end in sight.

Exploring ACA Alternatives

As ACA premiums continue to rise, so does the need for ACA alternatives.