Don’t Miss Out On Selling UnitedHealthcare’s Plan 1 During AEP!

UHC Medicare SolutionsATTENTION BROKERS:

Enroll your clients in UnitedHealthcare’s MAPD and Medicare Supplement plans this AEP! Read more below on the great benefits they offer to members.

Top Features of UHC’s MAPD plans:

  • Visiting member benefit in 28 states (including Ohio) in the Passport program.
  • Offer hearing and vision coverage through their OWN providers: Epic Heath, Hi Health, and Spectara.
  • Clients have access to UHC’s Health Products Catalog that saves members money on many personal care items.
  • Mail order service and fitness benefit through Optum.
  • Robust member support programs like: Navigate for Me, Advocate for Me, and House Calls.

Top Features of UHC’s Med Supp plans:

  • Only MS brand with the AARP name
  • Stable annual trend increases (less than 3.2 percent each year for over 14 years)
  • Lifetime commissions on policies written 5/1/18 and after
  • Offers a health and wellness program via Optum

If you have questions or want to get contracted with UHC, please contact your Cornerstone Senior Marketing representative.

UnitedHealthcare’s 2019 A2Oh! Rewards Program

UnitedHealthcare recently announced the new 2019 A2Oh! Rewards Program trip destination for commission-eligible, accepted, and paid sales of AARP Medicare Supplement insurance plans from UHC.

The A2Oh! Rewards Program offers three different categories of travel awards from UHC:

  1. Sapphire: Presented to Level 2 agents who achieve 125+ accepted and paid sales during the qualification period.
  2. Emerald: Offered to Level 2 agents whose total accepted and paid sales during the qualification period earn them a ranking between 11 and 25 of top performers.
  3. Diamond: Offered to Level 2 agents whose total accepted and paid sales during the qualification period earn them a ranking between 1 and 10 of top performers.

Click here to learn more about the program.

 

Contact your Cornerstone Senior Marketing representative with any questions.

Allwell’s 2019 D-SNP Has Expanded Into 68 Counties In Ohio

ATTENTION NORTHWEST OHIO AGENTS

See new counties now available in your area!

Allwell’s 2019 D-SNP has expanded into 68 counties in Ohio!

Check out the D-SNP network below:

  • Promedica- Fostoria Community Hospital, Flower Hospital, Memorial Hospital, Toledo Hospital, Bay Park Community Hospital, Defiance Regional Medical Center, Arrowhead Behavioral Hospital
  • Mercy- St. Anne Hospital, St. Charles Hospital, St. Rita’s Medical Center, St. Vincent’s Medical Center, Defiance Regional Medical Center
  • And more- Cleveland Clinic, University Hospital, University of Toledo Medical Center, St. Luke’s Hospital, Bellevue Hospital, H.B. MaGruder Hospital, Regency Hospital of Toledo, Lima Memorial, Firelands Regional, Wood County Hospital, and Community Hospitals and Wellness Centers.

Competitive benefits to go with a strong network!

  • $1,000 allowance for comprehensive dental, including DENTURES
  • Member pays $0 copay for two hearing aids each year
  • Vision allowance for contacts and eyeglasses
  • $80 monthly allowance for over-the-counter items
  • Transportation included—48 one-way trips
  • Fitness membership

ALSO… take advantage of Allwell’s FULL REIMBURSEMENT of your AHIP fees!

  • It does NOT matter where you took the AHIP test. You do not have to take it through Allwell to receive full reimbursement!
  • Must be certified and contracted to sell 2019 Allwell/Health Net MA plans
  • Must have a minimum of 5 new sales with a January 1, 2019 effective date

Qualifying sales must remain active with the plan through March 31, 2019.


Not contracted with Allwell? Contact your Cornerstone Senior Marketing sales representative for more information.

Why Aetna/Coventry is Your Choice in Youngstown!

If you are a broker with clients in the Youngstown, Ohio area, Aetna’s MA/MAPD products have some great benefits to offer!

 5 reasons Aetna/Coventry is your choice in Youngstown:

  1. $0 premium Aetna Value Plan with members being able to access a national network of providers (Travel Advantage)/ Tri-County Network OH/PA/WV- Coventry, which includes Cleveland Clinic, University Hospital and UPMC.
  2. $0 premium Coventry PPO plan with $0 PCP copay
  3. Lower MOOP $3600 Aetna & Coventry
  4. Significant reduction of copays, PCP’s and Specialists/ Lower lab copays 0-$10 depending on plan chosen and $0 Tier 1 & Tier 2 prescription gap coverage on all plans.
  5. Both ground and air ambulance have a low flat copay

$0/MONTH

Two plan options including both medical and prescription drug coverage at $0/month

PROVIDER NETWORK

All acute-care hospitals in Ohio are in-network for Aetna members

(The Ohio State University is in-network for Aetna PPO members only)

NEW BENEFITS ADDED

Plans may include: OTC allowance, transportation, post-discharge meals, and dental, vision, & hearing benefits

If you have questions or want to get contracted with Aetna please contact your Cornerstone Senior Marketing representative.

5 Reasons Aetna is Your Choice in Northeast Ohio

 

Cornerstone Senior Marketing & Aetna MA/MAPD want to share some insightful benefit information on Aetna’s plans if you have clients in the Northeast Ohio region.

5 reasons Aetna is your BEST choice in Northeast Ohio:

  1. Access to National Network on PPO and HMO plans. Network includes ALL acute care hospitals in Ohio, with access to a national network which includes Cleveland Clinic, Akron Children’s and Aultman.
  2. Expanded service area into Wayne, Carroll and Tuscarawas counties.
  3. $0 premium HMO Value and $0 premium Value PPO plans.
  4. $0 PPO includes dental, OTC, hearing and meal benefit.
  5. Reduction in MOOP and copays including $0 Tier 1, and Tier 2 Prescription gap coverage.

 $0/MONTH

Two plan options including both medical and prescription drug coverage at $0/month

PROVIDER NETWORK

All acute-care hospitals in Ohio are in-network for Aetna members

(The Ohio State University is in-network for Aetna PPO members only)

NEW BENEFITS ADDED

Plans may include: OTC allowance, transportation, post-discharge meals, and dental, vision, & hearing benefits

 

If you have questions or want to get contracted with Aetna please contact your Cornerstone Senior Marketing representative.

Important News From Humana Med Supp!

Did you know?

Humana Marketpoint

Humana Marketpoint offers plans G & N on a GI basis along with the typical plans (A, B, C, F, K, & L) for clients who are coming off of a group health plan and if they have had Medicare Part B over a six month time frame, along with Silver Sneakers!

For more information, view the 2019 Humana Medicare Supplement Sales Guide.

Questions? Reach out to your Cornerstone Senior Marketing representative today!

Why is CMS Rejecting MA Applications?

To Our Valued Brokers,

We have been informed that CMS is rejecting a high number of Medicare Advantage applications this year due to the HICN# or the new MBI# NOT being included on the application.

To list only the social security number on any Medicare Advantage application is guaranteeing a rejected application from CMS.

If you are switching an existing Medicare client, the application will need to have either the HICN# or the new MBI#.

If your client is new to Medicare, the application will have to have the new MBI# listed.

Please take the time to check the various carrier enrollment portals to make sure the applications you are submitting are being accepted and processed by the carriers.

If you have any questions or concerns, please contact your Cornerstone Senior Marketing representative.

Protecting You From Fraud: Recent Social Security Change

Social Security (SS) now requires you to open a “My Social Security” account to file an online application. Previously, you could file an application online with a special application number so you could start an application online, save it, and return later to complete it. Now you must get to the online application through your “My Social Security” account. The process is similar to credit card and bank procedures. You will log into your account with a user ID and password and then SS will send a special code to your cell or email. You need this code before completing the online application. The SS website also recognizes IP addresses, so you must start and finish the application from the same IP address. If logged on from a different IP address, you will be locked out and must restart the application.

This new process is beneficial to you! ID theft has led to more fraudulent Social Security retirement claims filed online in recent years.

So open your “My Social Security” account at www.ssa.gov and keep it up to date every six months.

Happy Thanksgiving to all!

 

About Dennis Heywood

Denny’s career with Social Security provides an in-depth, working knowledge of the Social Security Administration’s internal organization and processes. An expert in all phases of SSA programs: retirement, survivor, disability, and Medicare, Denny has expertise with the complex Social Security regulations based on more than 40 years of experience.

ss-help.com

IRS and SSA Announce Cost of Living Adjustments for 2019

The Internal Revenue Service and Social Security Administration announced cost of living adjustments  affecting dollar limitations for pension plans and other retirement-related items for tax year 2019.

The important limits are provided below:                                                 

401(k), 403(b) & 457(b) deferrals                $19,000

Catch-up 401(k), 403(b) & 457(b)               $6,000

415(c) Limit                                                      $56,000

Annual Compensation Limit                         $280,000

HCE Compensation Limit                              $125,000

Maximum Pension at age 62                          $225,000

SIMPLE Deferrals                                            $13,000

SIMPLE Catch-up                                             $3,000

SEP Minimum Compensation                        $600

Key Employee Limit, Officer Test                  $180,000

IRAs for individuals age 49 & below              $6,000

IRAs for individuals age 50 & above               $7,000

Soc. Sec.Taxable Wage Base                              $132,900

 

Click here to view the news release from the IRS.

Click here to view IRS Notice 2018-83.

Click here to view the Social Security Fact Sheet.