Employee Benefits

What the Heck is ICHRA?

What the Heck is ICHRA?

The Department of Health and Human Services and the Centers for Medicare and Medicaid Services project that by 2029, roughly 800,000 employers will offer ICHRA, covering more than 11 million employees.
October 9, 2020/by Jennifer Agnello
Three Reasons to Talk Dental from Principal in October

Three Great Reasons to Talk Dental from Principal in October

Consider Principal dental if you're looking to move a client to a new dental carrier.
October 2, 2020/by Cornerstone
DCPG Commission Payment Process Update

Important Notice Regarding Payments from The Dental Care Plus Group

Effective October 1, 2020, The Dental Care Plus Group's commission payment process will be transitioned to their parent company's (DentaQuest) payment system.
October 2, 2020/by Cornerstone
Important Small Group Updates from Aetna Funding Advantage

Important Small Group Updates from Aetna Funding Advantage

Learn more about Aetna's new plan sponsor campaign, new fulfillment vendor, 1095-B tax forms, and submission deadlines.
September 18, 2020/by Cornerstone
Recent Anthem Updates

September Anthem News Updates

Anthem provides updates on their Cancer Care Navigator Program, the ACA Preventive Care Drug List, webinars, and more.
September 18, 2020/by Cornerstone

Employer Action Required! Distribute Medicare Part D Notices by October 15, 2020

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.
September 18, 2020/by Cornerstone
Important September Anthem Updates

Important September Anthem Updates

Recent updates from Anthem regarding plasma donations, phishing scams, and an extension to their dental PPE reimbursement program.
September 4, 2020/by Cornerstone
Medical Mutual September Updates

September Updates From Medical Mutual

Updates from Medical Mutual regarding login information for ReportLink, security compliance checklist, potential medication delivery delays, and more.
September 4, 2020/by Cornerstone
FormFire ACA Quoting Requirements

Important Reminders Regarding the New FormFire ACA Quoting Spreadsheets

We hope that you have found the new and improved FormFire quoting spreadsheets useful in presenting the ACA rates to your clients. There are a few important items to keep in mind when presenting the rate information to your group.
September 1, 2020/by Cornerstone
2021 Small Group Webinars

RSVP Today! 2021 Small Group Carrier Update Webinars

Join us for these brief, informative sessions focused on small group to get up-to-speed on 2021 plans, what to expect with renewals, and more!
September 1, 2020/by Cornerstone
IRS New Draft ACA Forms

IRS Issues Updated Penalties and Forms for Upcoming Year

The IRS recently issued draft ACA reporting forms and updates to the indexed employer shared responsibility amounts.
August 28, 2020/by Cornerstone
Aetna and Cleveland Clinic Collaboration

GREAT NEWS: Aetna and Cleveland Clinic to Offer New Plans for Employers

Aetna has partnered with Cleveland Clinic to offer new plans and programs featuring Cleveland Clinic providers.
August 19, 2020/by Cornerstone
Ohio Broker CE Opportunity

REGISTER TODAY: Ohio Broker Virtual Continuing Education Opportunity

The topic will be Apples-to-Apples LTD, a breakdown of contract provisions you will find when reviewing long-term disability proposals.
August 14, 2020/by Cornerstone
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.
August 7, 2020/by Cornerstone
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.
August 5, 2020/by Cornerstone
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.
July 29, 2020/by Cornerstone
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
July 20, 2020/by Sonya Poland
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.
July 17, 2020/by Cornerstone
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.
July 7, 2020/by Cornerstone
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.
July 1, 2020/by Cornerstone
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).
June 26, 2020/by Cornerstone
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.
June 26, 2020/by Jeff Lewis
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.
June 24, 2020/by Cornerstone
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.
June 24, 2020/by Cornerstone
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.
June 23, 2020/by Cornerstone
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.
June 23, 2020/by Cornerstone
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.
June 12, 2020/by Cornerstone
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.
June 11, 2020/by Cornerstone
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.
June 10, 2020/by Cornerstone
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.
June 10, 2020/by Cornerstone
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.
June 5, 2020/by Cornerstone
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.
June 5, 2020/by Kim Kinnaird
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.
June 4, 2020/by Cornerstone
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.
June 4, 2020/by Cornerstone
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.
June 1, 2020/by Cornerstone
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.
May 29, 2020/by Shelly Brownell
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.
May 22, 2020/by Cornerstone
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.
May 21, 2020/by Cornerstone
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.
May 21, 2020/by Cornerstone
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.
May 19, 2020/by Cornerstone
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
May 18, 2020/by Cornerstone
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.
May 15, 2020/by Cornerstone
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.
May 8, 2020/by Cornerstone
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.
May 7, 2020/by Cornerstone
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.
May 5, 2020/by Cornerstone
UnitedHealthcare COVID-19 Updates

Updates From UnitedHealthcare: Individual Coverage Options, COVID-19 FAQs, and Template Emails

Check out all the new resources and initiatives from UnitedHealthcare!
May 4, 2020/by Cornerstone
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.
May 1, 2020/by Cornerstone
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.
April 24, 2020/by Liz McGuire

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
April 23, 2020/by Cornerstone

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.
April 22, 2020/by Cornerstone
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.
April 1, 2020/by Cornerstone
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.
April 1, 2020/by Jennifer Agnello

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.
March 27, 2020/by Cornerstone
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.
March 23, 2020/by Cornerstone

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.
March 19, 2020/by Cornerstone

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.
March 19, 2020/by Cornerstone

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.
March 13, 2020/by Cornerstone

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.
March 13, 2020/by Cornerstone

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.
March 6, 2020/by Cornerstone
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.
February 20, 2020/by Cornerstone
ACA Reporting Guide

Reminder: ACA 1094/1095 Reporting Requirements for 2019

Cornerstone recently released the ACA 1094/1095 Reporting Requirements for 2019.
February 14, 2020/by Cornerstone

January 2020 Anthem Updates

Drug list changes, retail stores updates, SOCA benefit plan modifications, and more.
January 23, 2020/by Cornerstone

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.
January 21, 2020/by Cornerstone
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.
January 16, 2020/by Cornerstone
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
January 16, 2020/by Cornerstone
For business

IRS Extends 2019 ACA Reporting Deadline

The IRS extended the Affordable Care Act reporting deadline to March 2, 2020.
January 16, 2020/by Cornerstone
January-Humana-Updates

Check Out Humana’s Most Recent Updates!

Humana has released updates regarding Go365, Doctor on Demand, and the 2020 Producer Guide.
January 16, 2020/by Cornerstone
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.
January 16, 2020/by Cornerstone
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.
January 10, 2020/by Cornerstone
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.
January 8, 2020/by Cornerstone

Congress Repeals Cadillac Tax and Health Insurance Tax

The legislation fully repeals the Cadillac Tax and repeals the HIT effective January 1, 2021.
December 20, 2019/by Cornerstone

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.
December 9, 2019/by Cornerstone

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.
December 9, 2019/by Cornerstone

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.
December 5, 2019/by Cornerstone

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.
December 5, 2019/by Cornerstone

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.
December 5, 2019/by Cornerstone

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.
December 5, 2019/by Cornerstone

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!
December 5, 2019/by Cornerstone

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.
December 5, 2019/by Cornerstone

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.
September 10, 2019/by Cornerstone

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.
March 13, 2019/by Cornerstone

The Importance of Wrap Documents

Are you looking to provide even more value for your group clients?
November 14, 2018/by Jennifer Agnello

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.
November 7, 2018/by Gregg Amato

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.
September 19, 2018/by Geoff Beglen

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.
July 11, 2018/by Cornerstone

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?
April 20, 2018/by Jennifer Agnello

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.
March 14, 2018/by Jennifer Agnello

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.
February 26, 2018/by Jessica Larkin

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.
January 17, 2018/by Jennifer Agnello

Exploring ACA Alternatives

As ACA premiums continue to rise, so does the need for ACA alternatives.
November 13, 2017/by Gregg Amato