Broker Notice Regarding Third Party Marketing

Cornerstone Senior Marketing will now file third-party marketing materials requiring CMS approval for all our sales/broker partners.  This includes uniquely created materials or those purchased from a third-party lead source vendor¹.

Action Required:

Any advertisement or mailer that mentions a premium, a benefit, a cost/copay, or getting your Part B paid for (even in a general fashion) needs to be sent for approval.  This includes mailers, newspaper or magazine ads, TV/Radio commercials, bulletin boards, flyers, presentations, etc.

Please use this link below to submit any marketing materials that meet the above description that you plan to use, for compliance review. 

If you’re unsure your marketing material requires CMS approval, please submit it for review.  We’re here to help by offering compliance reviews for all marketing and/or communication materials, anytime.

If you are an agency with down line agents, please reach out to them and have them submit their materials as well, as you are responsible for their compliance with CMS regulations.

¹The lead vendors listed below will arrange filing through HPMS, for CMS approval, any marketing pieces that fall within the guidance above.  You DO NOT need to submit  materials to Cornerstone Senior Marketing from these lead vendors.  

Target Leads, Kramer Direct, Main Street, Arm Leads, and Lead Concepts


The Medicare Star Rating system was instituted by CMS back in 2007 to focus on improving plans and enable Medicare beneficiaries to compare plans.  CMS began publishing the Medicare Part C and D Star Ratings annually in 2009, where the stars measure the quality of health and drug services.

Medicare Star Ratings measure more than 30 different topics in five categories for MA plans and 14 topics in four categories for part D prescription drug plans.  Plans that are both MA and Part D are measured across more than 45 topics in 9 categories, and results come from member surveys and information that plans and healthcare providers submit to Medicare.

When discussing Star Ratings with a Medicare beneficiary, it’s helpful to let them know how the plans are rated.  The Star Rating categories include preventive services, management of chronic conditions, drug pricing and patient safety as well as customer services and member experience, including member complaints and performance.

Medicare uses the gathered data to rate the plans.  A plan can get a rating between 1 and 5 stars.  A 5-star rating is considered excellent.  If a Medicare Advantage Plan, Medicare drug plan, or Medicare Cost Plans with a 5-star rating is available in the beneficiary’s area, they can use the 5-star Special Enrollment Period to switch from their current Medicare plan to a Medicare plan with a “5-star” quality rating.  The special Enrollment Period can only be used once between December 8 and November 30.


If a beneficiary moves from a Medicare Advantage Plan that includes prescription drug coverage to a stand-alone Medicare Prescription Drug Plan, they will be disenrolled form the Medicare Advantage Plan, including the health benefit and will be returned to Original Medicare for coverage of their health services.  Beneficiaries can only switch to a 5-star Medicare Prescription Drug Plan if one is available in their area.


If a beneficiary moves from a Medicare Advantage Plan that has drug coverage to a 5-star Medicare Advantage Plan that doesn’t, they may lose their prescription drug coverage and must wait until their next enrollment opportunity go get drug coverage.  They may also have to pay a Part D late enrollment penalty.


In addition to the Medicare 5-Star Special Enrollment Period, there are certain Medicare enrollment periods during which a Medicare eligible beneficiary may enroll in a 5-Star Medicare Advantage Plan. 

Medicare Initial Enrollment Period

  • Sign up for a 5-Star plan or any plan of any rating, when first eligible for MA
  • Eligibility begins once enrolled in both Medicare Part A and Part B (and does not have End-Stage Renal Disease).
  • Only eligible to enroll in plans offered in their area.
  • 7-month Medicare Initial Enrollment Period begins 3 months before turning 65 years old, includes the birthday month, and continues for 3 months thereafter.

Medicare Annual Enrollment Period

  • Medicare beneficiaries already enrolled in Part A and/or Part B may sign up for an MA plan during the fall Annual Enrollment Period, October 15 to December 7, each year.
  • If already enrolled in an MA plan, may use this time to switch to a different MA plan.

Between April 1 and June 30

  • For those who already had Part A of Medicare but waited to sign up for Part B during the Medicare general Enrollment Period (January 1 to March 31 each year), they can sign up for a Medicare Advantage plan between April 1 and June 30.

A Special Election Period

  • Being enrolled in an MA plan with fewer than 5-Stars is not the only way to qualify for an SEP. Special Enrollment Periods may be granted to individuals for a variety of circumstances, such as living outside the U.S. at the time of their initial Medicare eligibility or residing in a long-term care facility.

5-Star Plan Marketing Limitations 

You can let your Medicare eligible clients know that SEPs are available and that you can enroll them in a 5-Star plan if they’d like to switch.  You cannot reach out to specific clients who are enrolled in lower-rated plans, and you cannot ask your clients to request an SEP.  When in doubt, keep your communications brief and informative, then direct prospects and clients to call you for more information.


The 21st Century Cures Act eliminated the Medicare Advantage disenrollment period that previously took place each year from Jan 1 to Feb 14.

Starting in 2019, and continuing annually, OEP is in effect from Jan 1 to Mar 31, allowing a beneficiary enrolled in a Medicare Advantage plan (with or without drug coverage), a one-time opportunity to make plan changes.


  • Switch to another Medicare Advantage Plan (with or without drug coverage).
  • Drop current Medicare Advantage Plan and return to Original Medicare, Parts A & B.
  • If a beneficiary returns to Original Medicare during OEP they can sign up for a stand-alone Medicare Part D Prescription Drug Plan.


  • Only one change is allowed, effective the first day of the following month after receipt of the application.
  • Beneficiaries CANNOT switch from a Medicare Supplement to an MADP or switch from one PDP to another PDP. 


  • Plans, agents, and brokers may NOT knowingly conduct any OEP marketing to Medicare Advantage members, which includes knowingly targeting or sending any unsolicited marketing materials by telephone, direct mail, social media, or email. 

Examples of “knowingly” targeting during OEP

  1. Providing unsolicited materials referencing OEP or the ability to make an additional enrollment change.
  2. Any message that calls out OEP (including timeframe) even in an educational context.
  3. Calling former enrollees who elected a new plan during AEP.
  4. Engaging in promotional activities which intend to use the OEP as an opportunity to acquire sales.


  • Focus on SEP elections such as age-ins, relocating, loss of group coverage, etc.
  • Marketing for any 5-Star Rated Plans in your regional area.
  • Contacting and working with Dual-eligible and LIS beneficiaries.

Ultimately, OEP activity must be initiated by the member. However, if a beneficiary contacts you and asks about their eligibility to enroll into a plan (but does not make any explicit reference to OEP) you can review their information and utilize OEP to help them with their plan change.

OEP Example: Mr. B is enrolled into a Medicare Advantage Plan during AEP.  He used the MA AEP to switch to a new MA plan, effective January 1. Unfortunately, a few of his drugs are not on his new plan’s formulary and his doctor is out of network. Mr. B can use his OEP election from Jan 1 to Mar 31 (OEP) to change plans in February, with an effective date of March 1.

AEP 2022 Application Submission | CSM’s Agent Guidance Reference Resources

There’s so much to do this time of year, and making sure your application is accepted the first time around is very important.  Please review the guidance and tips below.  Also, please download the Application Submission Reference Sheet for quick access to the carrier specific fax numbers, and where applicable, email accounts, to submit non-electronic enrollments.

Download Non-Electronic Application Submission Guide



Most apps now are plan specific. Be sure to check that the app matches the plan requested.


Aetna:  Applications are coded for each plan. You cannot take an app out of one kit and use in for another plan. There are no PDF’s available to print.


Anthem:  If using a paper application, include both your encrypted TIN and Cornerstone Senior Marketing’s encrypted TIN CKHJQPKSMY on the application.


WellCare:  If faxing a paper app, WellCare encourages the use of their personalized application page.  The page is barcoded specific to the agent and should be submitted as the final page of the application.  Click here.

Invalid Medicare ID number

It’s best to always see a copy of the client’s Medicare card to ensure the current number is on the app.


Missing signatures or signature dates

Always make sure you and the applicant sign and date the application. Remember, you should not sign and date the application until it is in your possession.


Double check that all signature fields are completed and the dates are correct.  We frequently see a date of birth or effective date listed as a signature date!


Missing or Invalid Writing Numbers

This is very important as this is how you are paid! In cases when the incorrect writing number is listed on the application the carrier will drop the policy as a house account until a correction is processed.


Invalid Election Period

Be sure to check or write in the AEP election on the application that requires the election to be entered. The carrier won’t assume the AEP election.

 While most elections will be marked AEP this time of year, it’s still important to make sure you are using the correct election period for age-ins or other special circumstances.


Missing Effective Date

Be sure to enter the effective date in regardless if it is AEP. We have seen apps pend for not entering the effective date.


While not all carriers require electronic enrollments, many prefer this method.



For more information or questions please contact us!


email:  [email protected]

CSG Adds UHC AARP Med Supp to their E-App System!

Exciting News!

CSG Actuarial will now include AARP Medicare Supplement Insurance Plans, insured by UnitedHealthCare Insurance Company (UnitedHealtcare)


One Login. One Process. One E-Application. You can now quote and submit an e-application for AARP® Medicare Supplement Insurance Plans from UnitedHealthcare on the CSG Medicare Supplement platform.

CSG Actuarial continues to improve the easiest tools for agents. When running a quote, just click Apply Now!
1. Integrated agent authentication
2. Complete application in just minutes
3. Submit directly to carrier
See How Easy It Is
Join us for a quick demonstration of quoting and e-application this month. Check the schedule for a date and time that works for you.




If you have any questions, please contact your CSM representative today!


Target Leads AEP Options Available

Sourced from Target Lead’s August AEP Newsletter, 8/10/21: 


A NEW Option for AEP to help get you leads FASTER!

We have a new QR Code option that can be added to your mailer that allows the consumers to request information immediately. Once they scan the QR code and enter their information, you will get an immediate email letting you know you have a new lead.


In initial tests, we’ve seen anywhere from 25% to 50% of the respondents choose to fill out the form online instead of mailing back the reply card. Clients that tested this option saw web responses within 3-5 business days of mailing and then started getting the mail back responses about a week later.

During AEP, we know TIME IS MONEY.

Contact TL sales rep, Michelle Bardin, at [email protected] for more information

PLUS… Schedule your AEP order in ADVANCE to lock your names in the 90 day file!

Order Early to Lock Up Your Areas

All names are sold on a first come first serve basis. We do allow orders to be held for up to TWO WEEKS. Order early and request a two week hold so you don’t lose your preferred areas.



Contact TL sales rep, Michelle Bardin, at [email protected] for more information


BONUS! Newly Added Features to Utilize on your CSG Quoting Tool Account


Cornerstone Senior Marketing agents now have full access to all CSG Quoting Tool features – AT NO COST.

What’s new to take advantage of?

Currently You Can: 

  • Compare rates and customize quotes for:
    • Medicare Supplement
      • MS advanced UW filter
    • Medicare Advantage
    • Prescription Drug Plans
    • Final Expense Life
    • Hospital Indemnity
    • Dental
  • Medicare Supplement E-App Enrollment
  • MarketEdge Technology
  • Website plugins
    • I.E: Consumer quoting tool link

Additional Features to Utilize: 

  • Dental E-Application
  • E-Scope with Document Locker
  • MA/PDP – RX and Pharmacy
  • Client Manager
  • Multi-Client ‘Bulk’ Quoting
  • MarketPulse


Already have an account?

Log in below and start using the new available features today.



Ready to get started with CSG?

We’re here to help! Contact your Cornerstone Senior Marketing service or sales rep to request instant access!



All New! Now Quote & Enroll Ameritas Plans on CSG


BIG NEWS!! You can now quote and submit an e-application for Ameritas plans on the CSG Actuarial dental platform.


Dental Tools Now Include Ameritas. CSG Actuarial continues to improve agent tools and technology. When running a quote, just click Apply Now!

  1. Multiple electronic signature options
  2. Complete application in just minutes
  3. Submit directly to carrier




If you have any further questions regarding our CSG Quoting Tool, reach out to your CSM representative.

Google Ads – Certification for Health Insurance Advertisers (U.S.) Required

April 20, 2021.  Terri Ozoroski-Ghen.  Director, Monetized Policy, Trust & Safety


Our top priority is to create a safe and trustworthy experience for users, whether they’re searching for information online or interacting with ads across our platforms. That’s why we have robust Google Ads policies outlining the types of advertising we do and don’t allow.

When developing our advertising policies, we often work with outside experts to ensure we’re factoring in relevant government regulations and industry accreditation programs. This helps us to connect users directly to the advertisers who both meet the latest standards and offer the product or service directly. For example, we have a longstanding certification program for online pharmacies which limits ads for the sale of prescription drugs to those from licensed pharmacies in countries where those ads are legal. Similarly, last year, we introduced a new policy to restrict promotions for official government services like passport renewals, visa applications or changing mailing addresses to the governments or their delegated providers.

Today, we are announcing our plans for a new certification program for health insurance advertisers in the United States. With this certification, we will only allow ads from government exchanges, first-party providers and licensed third-party brokers. In order to run ads, advertisers will need to provide documentation showing they are permitted under state law to sell health insurance. This includes plans for individual health insurance coverage, short-term coverage and Medicare, among others. Additionally, for private-sector providers promoting Affordable Care Act-compliant health plans, we will also require proof they are registered with the U.S. government to do so.

When people come to Google with questions about healthcare coverage and insurance plans, we are committed to creating a high-quality ad experience – one where they’re connected to trustworthy providers, and the promotion is clear from the ad itself. This new certification creates an additional layer of protection on top of our longstanding misrepresentation policies, which prohibit advertisements with misleading claims about insurance plans or the advertiser’s affiliation with the government.

Advertisers can begin to apply for certification on May 3, 2021. If they do not complete certification by June 2, 2021, they will no longer be able to serve their ads. For more information on the certification program and Google Ads policies visit our Advertiser Help Center.

Medicare Part B: Help your clients enroll during OEP

Individuals who are eligible but didn’t sign up for Medicare Part B during this AEP, or dropped or lost coverage in the past year, have another chance to enroll! Beneficiaries can enroll in Part B during the Open Enrollment Period, January 1 through March 31 each year. Enrollees’ Part B coverage starts July 1, 2021.


Eligible individuals who sign up for Part B may choose how to get their Medicare coverage:

  • Original Medicare includes Part A and Part B. Those who enroll can buy supplemental coverage to help pay out-of-pocket costs. They can also get Medicare prescription drug coverage (Part D).
  • Medicare Advantage Plans, sometimes called “Part C” or “MA Plans,” are an “all-in-one” alternative to original Medicare. They are offered by private companies approved by Medicare.


Contact your Cornerstone Sales Rep to assist with more information, rates, or supplies for Medicare Supplement, Part D plans, and Medicare Advantage.