Cigna: New Way To Submit Your HRA’s for 2024

The enhancements will make your selling experience easier than ever before.

Cigna’s Value Based Enrollment (VBE) initiative continues to be a successful and well-received program among Cigna Healthcare agents.

As part of this program, agents can earn $75 or $125 (depending on the plan) for facilitating Health Risk Assessments (HRAs) with their eligible customers, which means more money in their pocket!

New Way to Access HRAs

Cigna has heard your feedback and have worked to make HRA facilitation easier and faster than before.

Starting on September 29, 2023, you will be able to access Cigna Healthcare’s HRA in the following locations:

• SunFire or ConnectureDRX: HRA embedded in each program for agents that are fully integrated into the respective vendor platform.
• Cigna for Brokers: For non-SunFire users and/or non-Connecture agency partners – Use single sign-on to access SunFire HRA via the “Health Risk Assessment” link in the Tools section.
• eEnrollment: Embedded at the end of the customer enrollment process (i.e., via SunFire HRA widget – HRA will be embedded directly within eEnrollment).


Current HRA Tool – Icario

You can continue to use the Icario tool to facilitate HRAs with your customers until January 1, 2024. After this date, Icario will no longer be available to facilitate HRAs, but you will be able to use the new tools listed above – SunFire and ConnectureDRX.

What is a Health Risk Assessment (HRA)?


The Health Risk Assessment (HRA) is a tool that helps the health plan assess a customer’s needs by asking a series of health-related questions. Answers are used to partner with health care providers and to develop a plan of care.


Facilitating an HRA for your customers provides you an additional opportunity to engage with them and solidify your relationship. It also helps jump start the customer’s journey, engagement, and utilization of Cigna Healthcare’s services resulting in increased retention and improved outcomes for the customer.


If you facilitate an HRA for your customers, you are eligible to receive payment, which varies depending on the plan they enroll in.


What Medicare plan types are eligible for the VBE HRA payment?


The HRA payment will be made for new Medicare Advantage customers, and voluntary customer plan changes that result in active Cigna Healthcare customers.


Agents earn $125 when facilitating an HRA with D-SNP and C-SNP customers, and $75 for all other Cigna Healthcare MAPD customers.


Prerequisites and Requirements

To be authorized to facilitate the VBE HRA, you must:

• Complete VBE HRA training via Producers’ University. (VBE HRA training is no longer a separate or standalone course – we have embedded the content as a downloadable PDF in Our Compliance Program.)
• Qualify as ‘Ready to Sell’ to complete the enrollment application with the customer.

After you complete the VBE HRA training, you will receive access to Cigna Healthcare’s electronic HRA within 24-72 hours (if you are ‘Ready to Sell’).

Deadlines to Submit HRAs

You must facilitate the HRA with the customer and submit the completed HRA in the portal, within ten (10) calendar days of the customer’s application sign date, in order to ensure a positive customer experience.

As a best practice, you should obtain the HRA immediately after completing the customer’s application for enrollment. Otherwise, we recommend confirming your next appointment with the customer with the date and time details, prior to making the next outreach.

You’ll have until December 22, 2023 to submit the HRA for any customer applications taken from October 1 – December 7 of 2023.

More Stores Are Now Available With Anthem’s Grocery Benefits

Sourced from Anthem broker eblast on 9/11/23:

Anthem Medicare Advantage members now have more choices when using their Grocery benefit allowance.

Your clients can now shop in the following stores for Grocery benefits:

Central Market
Piggly Wiggly
County Market
Harvest Market
Save A Lot
Fresco y Más
Harveys Supermarket
Stop & Shop
Food Lion
Giant Food
Giant Heirloom Market
Giant to Go

These stores are now available for using the Grocery benefit only.

For a complete list of local grocery stores, members can log in to, select the Flex menu and then select Store Locator. The Store Locator will include the newly added stores starting on 9/14/2023.

GAO Reports: Medicare Part D: CMS Should Monitor Effects of Rebates on Plan Formularies and Beneficiary Spending

GAO-23-105270 Published: Sep 05, 2023. Publicly Released: Sep 05, 2023.

Fast Facts

Medicare beneficiaries can have prescription drugs covered via private insurance plans participating in the Medicare Part D program. Premiums and drug costs vary by plan, as do plans’ lists of covered drugs—known as “formularies.”

Drug makers may give plans rebates in exchange for preferred placement over competitors on formularies. The rebates may lower plan premiums, but they don’t reduce beneficiaries’ payments for the drugs.

We found rebates largely went to a small number of drugs, and plans paid less for highly rebated drugs than beneficiaries did.

We recommended that Medicare monitor how rebates affect formularies, beneficiaries, and more.



AHIP Update – this may affect you if you completed AHIP on/before July 31

If you completed your AHIP certification already on or before 7/31/23, you may receive notification via email from AHIP with the heading: Action Needed – CMS Course Updates

Materials have been recently added around the CMS revised and new rules that apply to 2024 Medicare Advantage and Part D plans that require review.  Follow the instructions provided in the email message from AHIP and/or log in to your AHIP Medicare account to review the updated slides then click to confirm you completed the review.  The image below highlights the updates that need reviewing in each of the three affected modules.

Reach out if you have questions.  Email your Cornerstone Senior Marketing Service Team – 

Anthem’s NEW RTS Screen on Producer Toolbox – Great Resource!

Sourced from Anthem broker email communication:

On July 15, 2023, the Producer Toolbox will introduce a new Ready to Sell (RTS) page that allows brokers to view their RTS status for each state they intend to sell Medicare products.

Brokers will easily be able to see if they are licensed, certified, and appointed with each state – as well as complete any outstanding components they may have.

If you have any questions, please reach out to 

Now Available with CSG! Med Supp Household Discount Definitions

CSG Actuarial is making it easier to remember carrier Household Discount rules by including definitions in the quoting tool! Quickly view if the carrier’s household discount is Roommate or Multi-Insured.

Roommate: Applicant qualifies for a Household Discount if they are living with another individual over a certain age. Age varies by carrier.

Multi-Insured: Two individuals living in the same household must have a Med Supp policy with the carrier for the discount to apply.

Agents can view the Household Discount percentage and apply the discount to the monthly premium!


Don’t miss an incredible opportunity to learn more about the
top Medicare Supplement insurance companies in the market!

Join us Tuesday, July 18 at 9:30 a.m. Central Time as we spotlight these carriers & create carrier heat maps.


Released: 2024 CMS Broker Compensation Rates

Each year CMS publishes the fair market value amounts for initial and renewal compensation for MA and PDP’s, as well as referral fees.

Review the full amounts below for 2024 provided by CMS.

View Full CMS Release

Humana: Member Care Assessment Transition to Health Risk Assessment

Sourced from Humana Broker Email Communication on 6/19/23: 

As annual CMS requirement of those conducting HRA’s, the Model of Care (MOC) training will be rolled out to agents in the Humana Certification and Recertification training starting in PY24.

Be on the lookout for the tool training (Health Care Assessment Training) on Sunfire after cert/recert opens

*** Please note that August 31, 2023 is simply the deadline for the 9/1 start date for HRA. If an agent completes training past 8/31/23 they will still be able to access the Sunfire portal to complete surveys and qualify for compensation as the current program guidelines indicate, we are just highlighting that date to be in line with the roll-out and ensure agents are aware that the training is required to be compensated.***

Important Updates to LeadCENTER – Please Read!

We are excited to announce some significant updates to the LeadCENTER platform that will enhance your lead management experience and empower you to grow your insurance business even further. Below are some of the updates that we are thrilled to share with you:

Design Changes for Enhanced User Experience: We have revamped the design of LeadCENTER to provide you with a more intuitive and streamlined interface. The improved design aims to make lead purchasing and order management a seamless and efficient process. We understand the importance of time in your profession, and these updates will allow you to navigate the platform with ease and speed. To give you a visual demonstration of the design changes, we have created a comprehensive video that showcases the new features and functionalities. Please take a moment to watch the video by clicking on the following link:


Introducing T-65 Leads: Additionally, in response to numerous requests from our valued users, we are pleased to inform you that we have expanded our lead types to include Turning 65 (T65) Medicare leads. This addition will provide you with a valuable opportunity to target the growing market of individuals transitioning to Medicare. With LeadCENTER, you’ll be able to purchase T65 Medicare leads now conveniently alongside your existing lead types, enabling you to diversify your portfolio and cater to a wider range of clients.



Should you have any questions or require further assistance, please don’t hesitate to reach out to our dedicated support team at We are here to ensure a smooth transition and provide ongoing support.

Union Security Insurance Co: Important Med Supp Update

Sourced from USIC email communication on 5/17/23:

Effective June 1, 2023 Union Security will be discounting the USIC Medicare Supplement offering in all states.

The Union Security Insurance Company (USIC) Medicare Supplement product, administered by Aetna, will be discontinued as of June 1, 2023.


  • We will not accept applications with a signature date after May 31, 2023
  • We will not offer effective dates later than June 1, 2023
  • Agent appointments under USIC will be terminated as of June 1, 2023
  • Paper sales materials for USIC Medicare Supplement plans in all states will be available through today, May 17th, 2023
  • Existing customers will continue to be serviced and offered renewal options
  • Existing policyholders will continue to have access to their account here
  • Agents will continue to be able to access reports and other information from their agent portal here


If you have any questions concerning USIC products or contracting please contact your CSM rep.