Reminder About MMO Medicare Supplement Applications

Medical MutualEffective immediately, please send MMO Medicare supplement applications directly to Medical Mutual at Reference the link below for carrier fax numbers and/or emails to submit applications directly to the carriers.

Submitting Applications to Cornerstone

Thank you for your corporation and continued business! If you have any questions or concerns please contact your Cornerstone senior service representative.

CLEVELAND BROKERS: Afternoon Session Added on May 31!

Due to high demand, the “Medicaid Today: Program Updates” will be adding an afternoon time the same day: May 31 from 1:30 pm–3:30 pm.

The morning session is now closed. Please register for the afternoon session below.

Join Cornerstone in the Cleveland area for our May broker in-person trainings including Humana’s DSNP boot camp class and Medicaid updates from the Department of Health and Human Services.

Humana Marketpoint’s DSNP Boot Camp Broker Training

DATE: Wednesday, May 23

TIME: 10:00 am–12:00 pm

LOCATION: Hilton Garden Inn—Twinsburg

8971 Wilcox Drive | Twinsburg, OH 44087


Learn how to serve this unique population and capture more clients throughout the year!

  • Marketing to D-SNP eligibles
  • Product information
  • Marketing tools
  • Enrollment details

Department of Health and Human Services’ with Cuyahoga Job and Family Services: “Medicaid Today: Program Updates”

DATE: Thursday, May 31

TIME: 1:30 pm–3:30 pm

LOCATION: Cornerstone Cleveland Office

4500 Rockside Road, Suite 330 | Independence, OH 44131


Join the discussion regarding the 2018 Medicaid program and receive valuable information to assist your clients!

Anne Konarski, Program Officer, will present on the following topics:

  • 2018 Medicaid program benefits
  • Understanding Medicaid eligibility
  • The Medicaid program process
  • New JFS customer service innovations


Please indicate which training date(s) you are planning to attend in your email

Cornerstone Senior Marketing Joins with Integrity Marketing Group for Next Phase of Growth

We are excited to announce that the Cornerstone Senior Division has been acquired by The Integrity Marketing Group (“Integrity”). This partnership will provide our valued broker partners access to the best technology, marketing, products, and services available in the industry. By joining Integrity, John Carroll, CEO, will become an owner of Integrity and serve as a managing partner.

The Integrity Marketing Group is a senior marketing company comprised of many industry leaders including Premier Senior Marketing, Neishloss and Fleming, Western Penn Marketing, American Independent Marketing (AIM), Insurance Marketing Group (IMG), AIMC, and now Cornerstone Senior Marketing. Integrity currently holds the number one position nationally with Aetna, Anthem, and UHC Medicare Solutions. Integrity focuses on technology and marketing, serving more than 130,000 agents in 50 states and over 750 million in annualized premium.

Our employees will remain in their respective offices. There will be no changes with the people, processes, or procedures in the way you do business with Cornerstone across all divisions. This partnership has no impact on the group wholesale division and Cornerstone will continue to serve as a full-service organization for all lines of health and ancillary coverage.

We are looking forward to the positive changes that this partnership will provide.

For additional information regarding Integrity Marketing Group, please visit



John F. Carroll, CEO


See below for a special message from John Carroll and Co-Founder and CEO of Integrity Bryan Adams.

Reporting Fraud, Waste, and Abuse

Cornerstone employees and broker partners are required to report suspected Fraud, Waste and Abuse. You can report Fraud, Waste and Abuse to Cornerstone’s Tim Shook at 513-629-9505 or email Additionally, you can report suspected Fraud, Waste or Abuse anonymously via the following Plan Sponsor hotlines:

Aetna: 1-860-273-3586

MMO: 1-800-762-8130

UnitedHealthcare: 1-877-401-9430

Humana: 1-800-614-4126

Paramount: 1-800-462-3589

Premier: 1-888-271-2688

Anthem: 1-800-203-3738

SAVE THE DATES: Register Today for Cornerstone’s Cleveland Trainings

Please plan to attend Cornerstone’s in-person carrier specific trainings in our Cleveland office! We will have carrier representatives present material from Allwell and UnitedHealthcare Medicare Solutions.


Allwell Product Training

DATE: Wednesday, June 6

TIME: 10:00 am–12:00 pm

LOCATION: Cornerstone Cleveland Office

4500 Rockside Road Suite 330 Independence, OH 44131


Learn about Allwell’s MA, DSNP products and everything they have to offer your clients!

Topics include:

  • How to market Allwell plans
  • Value-Based Enrollment (VBE) Information
  • Marketing and online tools to utilize


UnitedHealthcare Product Training

DATE: Tuesday, June 26

TIME: 10:00 am–12:00 pm

LOCATION: Cornerstone Cleveland Office

4500 Rockside Road Suite 330 Independence, OH 44131


Join the discussion regarding UHC’s products and start preparing for the AEP season!

Training includes:

  • Product information
  • Market updates
  • Certifications


Click here to register.

Please indicate which training date you are planning to attend in your email

Anthem BCBS Medicare Sales Important Reminder: Helping Your Clients Find In-Network Providers

When selling a plan that uses network providers, make sure you explain to your clients that providers may join or leave the network at ANY time – without notice to the members. Before they seek care, it’s a good idea to contact the provider’s office directly to make sure they accept the specific plan your client chooses. And make sure they are in-network for that plan at that location. Some providers with multiple offices may only accept certain networks at some of their locations.

To help your clients locate in-network providers:

  • Agents must use the Find a Doctor tool located on the Shop Medicare plans website listed below. The website is updated weekly: ABCBS Medicare Shop
  • When searching for in-network providers, it would be helpful to select a specific plan first, and then select the other search criteria to narrow your results list down.
  • Ensure to use the ‘Advance Search’ option, or use as many filters as possible when searching for specific in-network providers, hospitals and specialists. Some doctors and facilities are in-network for some locations and out-of-network at other locations.
  • Enter the PCP ID # in the Find a Doctor tool to confirm the specific provider at that specific office participates in the selected plan.
  • Once you select a PCP in the Find a Doctor tool, click on the ‘Details Link’ to find a list of all hospitals for which the physician is associated.

Remember that HMO plan members should coordinate their care with their primary doctor before seeing other providers. HMO members who use non-network providers in non-emergency situations will pay for the full cost of their care. Encourage your clients to contact Customer Service at the number on their ID cards if they have any questions you can’t answer for them.


Contact your Cornerstone senior service representative for more information

Anthem to Open One-Stop Certification Site June 27

Certify with Anthem beginning June 27 on their one-stop certification site. By accessing the Medicare Certification Training Center through the Producer Toolbox (PTB) beginning June 27, you can complete all modules under 2019 AHIP Compliance Training and 2019 Anthem Product Training in one convenient location. In addition, by using the Anthem PTB to complete your certification, your access code will automatically populate AND you will benefit from a $50 discount off your certification fee.

Click here for more information.

Contact your Cornerstone representative with any questions.

UHC’s New Authentication Process: LEAN & Jarvis Systems

Effective June 7th 2018, UnitedHealthcare will have an additional authentication process that will be required for an agent to access LEANJarvis. This not only impacts every agent/agency that has a current login, but also any staff that uses the agents/agencies login for the website. Every person will be required to have their own Optum ID to access Jarvis.

Your Action

  • You MUST log in with or register for an Optum ID in order to access Jarvis and LEAN as of Thursday, June 7.
  • On June 7, you will be prompted to register when you go to Jarvis or LEAN. Simply set up an Optum ID and connect it to Jarvis and LEAN. If you have an existing Optum ID, sign in with that information and you can connect it to Jarvis and LEAN.
  • Note: You will NOT be able to register until June 7 if you don’t currently have an Optum ID.

What is Optum ID?

Optum ID is a secure, centralized identity management solution that allows you to use a single sign-on for any applications connected to Optum ID. It’s a secure double authentication process similar to processes you may be familiar with like a bank or credit card.

Why Optum ID?

  • It provides an extra level of authentication security.
  • It prevents unauthorized access to your accounts.
  • It simplifies the registration process by eliminating the need to register your Party ID and Agent ID separately.


Questions? Please reach out to your Cornerstone senior service representative for more information.

Anthem’s GeoBlue Training Event in Worthington, OH | Register Now!

Join Anthem’s GeoBlue and Cornerstone for an in-person training to learn more about GeoBlue products, additional travel benefits and where this plan fits for your clients!

DATE: Wednesday, May 30

TIME: 1:30pm – 2:30pm

LOCATION: Anthem Office in Worthington Ohio

6740 North High Street | Worthington, OH 43085

GeoBlue offers 4 great plans that can fit your international traveler’s needs. These plans can help with short or long-term international travel and are available for under and over 65 clients! In addition, it can help groups with international employee travel and employee vacation benefits.

Watch this video and come learn more!

A few more reasons to sell GeoBlue plans…

  • This product is filed with DOI! Most travel policies are not filed with DOI and would not be covered by your E & O coverage.
  • Medical evacuation and repatriation benefits to the states. This is not covered as an emergency under your health plan. The average cost of medical evacuation to the states is about 25,000 to 100,000. Could be more for remote locations.
  • Plans that start at no deductible to large deductible at an affordable rate.
  • Turnaround time for the guaranteed issue products is immediate. Usually 72 hours for medically underwritten products.
  • GeoBlue concierge-level services will help 24/7 to find the closest hospital, arrange direct billing for international medical events and do medical monitoring.
  • Easy to use online tools for the members once enrolled. All claims are filed for you by approved hospital and doctors.


Not contracted with Anthem’s GeoBlue? Contact your Cornerstone Representative to get started today!

Aetna Med Supp Plan N Rate DECREASE in KY

Aetna Health and Life Insurance Company has received approval for a rate decrease on individual Medicare Supplement Plan N policies currently available in Kentucky, effective June 1, 2018.

View the new rate adjustments for Kentucky.

Contact your Cornerstone senior service representative for more information.