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!



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 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 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.

Congratulations, You Made It!



Congratulations! You have made it through probably the most challenging annual enrollment period in some time. We value each and every one of our partnerships with our agents and hope you can enjoy a much deserved breather in the following weeks.


But wait…


Cornerstone offers our services year around and this is a prefect opportunity to meet (or by phone!) one-on-one with your Cornerstone sales representative to plan out the rest of the 2021 to sell throughout the whole year!

Connect with your sales rep here


We have the resources and tools to grow that book of business even more! Take a look at all of our tools in our Cornerstone Agent Toolkit.

Click here for AGENT TOOLKIT


The Open Enrollment Period (OEP) will begin Jan. 1, 2021 through March 31, 2021 for Medicare Advantage beneficiaries. This is an opportunity for a beneficiary enrolled in a Medicare Advantage plan (with or without drug coverage) to make plan changes.


For anything else, give us a call and see how we can help!



AEP Ends MONDAY Dec. 7: Cornerstone’s Tips for Smooth App Processing!

AEP ends  MONDAY December 7
Tips for smooth application processing.

Important information about the last days of AEP and submitting enrollment apps.

The following tips will help ensure your hard work this AEP pays off and your applications are processed correctly, including those submitted on December 7, 2020.

1. AEP application submission deadline: ALL applications must be submitted no later than 11:59 pm on December 7.

2. Date the application. It’s important to include a date on every enrollment application. Applications without a date, received after December 7, 2020, are assigned the date the application was received by the carrier, which can invalidate apps received after AEP ends. Apps that you receive on December 7 must be submitted to the carrier, dated December 7.

3. Faxing Applications: If faxing the application, remember to keep a copy of your successful fax transmittal as confirmation of submission.

4. Application Submission Guide: Click the link below to download the application enrollment submission process, by carrier.

Submitting Applications Document

Note: If you have questions about last minute submissions, we’re here for you!

Please call 614-763-2255

A Special AEP Incentive from Humana and Cornerstone Senior Marketing

Earn a FREE 1,000 piece mailer to start the new year!

Start the new year off right with a FREE 1,000 piece mailer. This generous marketing bonus is available to all agents that submit a minimum of 5 Humana Medicare Advantage applications between November 13 – December 31, 2020.

  • Eligible agents will recieve a mailer credit early in 2021, that includes a custom prospect mailing list, postcard, and mailer fulfillment.
  • No registration required  – Humana will track application submissions and Cornerstone Senior Marketing will contact all eligible agents early in 2021 to award their FREE 1,000 piece mailer.

Thank you for all you do and have a great AEP!