Anthem 2020 Enrollment Freeze Update

No Enrollment Freeze for KY or WI for 2020 with Anthem!

Cornerstone Senior Marketing recieved confirmation there will NOT be an enrollment freeze in Kentucky or Wisconsin for plan year 2020.

Quick Reminder: Anthem is expanding into 17 NEW KY Counties for 2020! Carroll, Estill, Floyd, Fulton, Hickman, Larue, Letcher, Martin, Mason, Metcalfe, Morgan, Nicholas, Owsley, Pike, Simpson, Trimble, and Union.


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

Humana’s NEW Medicare Supplement Product: ACHIEVE

Introducing Humana Achieve: premium coverage that’s affordably-priced.

Humana’s Achieve is a plan that offers many of the same benefits as Humana’s premier line of products at a great value!

Approved States:

New business will be accepted for Georgia and South Carolina effective immediately with an effective date of October 1 or later. This will be available via the Humana Fast App for business submission and agents holding appointments in these states can begin ordering supplies. Below you will find the Outline of Coverage available for download for both Georgia and South Carolina.

As new states become available (OH & KY), Humana will notify agents in those states and update the Humana Achieve Medicare Supplement coverage maps.

Georgia Application


Georgia Outline of Coverage


South Carolina Application


South Carolina Outline of Coverage

If you have any questions please contact your Cornerstone Senior Marketing representative

NAIC Phishing Scam Alert: Please Read!

Cornerstone Senior Marketing would like to inform you of a phishing email scam that is being addressed by the National Association of Insurance Commissioners. The scam is targeting insurance producers regarding a falsified insurance claim related to their company that has been submitted to the National Association of Insurance Commissioners (NAIC).

Full statement taken from NAIC’s Website:

We are aware of a phishing scam targeting insurance producers regarding a falsified insurance claim related to their company that has been submitted to the National Association of Insurance Commissioners. This fraudulent email displays the NAIC and CIPR logo , can originate from a gmail account and asks the recipient to click on a link to download the complaint notification. 

Certain anti-virus products will detect this is a malicious email, but if you receive a similar email and have any concerns contact the NAIC Service Desk at 816.783.8500 or


View sample email from an actual broker


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


Securely Collect & Save Scope of Appointments this AEP with CSG!

CSG Actuarial has created an Electronic Scope of Appointment Form (eSOA) and Document Locker allowing you to securely capture and store your SOAs in one location.



Save and Manage Your Electronic Documents in One Place

Our Document Locker repository creates a seamless experience for you and the consumer during the first step in MA and PDP quoting process. You benefit from not only having an integrated solution, but also having a standards-compliant electronic storage and recovery repository for the Scope of Appointment forms.

In-person or Email
Signature Processes

Upload Existing Paper SOAs
& Other Documents

Document Retention
to Compliance Standard


Don’t have access to CSG? Click here to request an account!

West Virginia University To Acquire The Health Plan

WVU Health System’s acquisition to make it an integrated financing/delivery network

West Virginia University Health System is taking the first steps toward becoming an integrated health care financing and delivery system with Tuesday’s announcement it would merge with a Wheeling, West Virginia-based insurer.

Financial terms of the deal between WVU Health System, also known as WVU Medicine, and managed-care provider The Health Plan, weren’t disclosed. The Health Plan would become a subsidiary of WVU Health System as a nonprofit corporation.

An integrated financing and delivery system puts under one system both the payor and provider of health care similar in structure to UPMC, which owns its own insurance division, as well as Highmark Health, which owns insurer Highmark and the Allegheny Health Network. It’s a model that is increasingly employed elsewhere in the country, including Geisinger in the central part of Pennsylvania.

“By aligning and integrating our two organizations and by leveraging our respective expertise in a more coordinated fashion, we can deliver better outcomes to the people of West Virginia,” said WVU Health System President and CEO Albert L. Wright Jr. in a statement Tuesday. “The Health Plan will also continue to build collaborative, value-based partnerships with other health systems and independent providers in West Virginia.”

WVU Medicine is a powerhouse in West Virginia, based in Morgantown and including hospitals throughout West Virginia. It’s also is in the midst of a growth spurt, including the building of a new children’s tower and other facilities in Morgantown, and it’s expanding in Pennsylvania, including a facility just over the border into Waynesburg as well as a potential affiliation with Uniontown Hospital.

The Health Plan began operations in 1979 and has licenses in West Virginia’s 55 counties as well as a 36-county area in Ohio. As of 2017, it had 400 employees and four offices in Ohio and West Virginia. It offers a wide range of insurance options, including HMOs, PPOs, point-of-service and self-funded health plans. The Health Plan’s market share in group health in West Virginia was 7 percent with coverage of 20,024 lives, according to a West Virginia state report in 2017.

Medicare Center LIVE Training in Cleveland

Cornerstone Senior Marketing is hosting a live training event in our Cleveland office to review our online enrollment platform, Medicare Center! Hosted by Matt Fry and Jaime Lebron, they will go over how to use the platform in length and discuss updates for AEP 2020.


WHEN: Thursday Sept 19

TIME: 10:00  am – 12:00 pm

LOCATION: CSM Cleveland Office

4500 Rockside Road Suite 330

Independence, OH 44131


RSVP to Danielle Flesch @

Integrity News: Acquisition of American Investment Strategies in Ohio

Integrity Marketing Group’s Momentum Continues with Acquisition of American Investment Strategies

21st August, 2019

DALLAS — August 21, 2019 — Integrity Marketing Group, LLC (“Integrity”), the nation’s largest independent distributor of life and health insurance products to the Senior Market, today announced it has acquired American Investment Strategies (“AIS”), an insurance marketing organization headquartered in Ohio. Financial terms of the private transaction were not disclosed.

AIS serves the Midwest as a leading independent insurance marketing organization, providing a wide range of personal and commercial insurance products, including Medicare Supplement, Medicare Advantage and Long-Term Care options for the Senior Market.

“AIS has a proven track record of understanding and developing solutions that address the needs of Seniors in the Midwest. It’s a real honor for them to join Integrity,” said Bryan W. Adams, Co-Founder & CEO of Integrity.

“It’s clear that Bryan and the whole Integrity team share our commitment to agent success,” said Craig Kuhr, owner, American Investment Strategies. “Not only will our agents have immediate access to the best products and value-add services the industry can offer, but Integrity’s support will help develop the lasting relationships and trust that will drive their continued success.”

“Craig, Doug, and Danny built a business putting Agents first. Now that we’re on the same platform we have the potential to unlock some enormous opportunities,” added Tim Shook, Vice President of Integrity’s Cornerstone Senior Marketing.

About Integrity Marketing Group
Integrity Marketing Group, headquartered in Dallas, Texas, is the nation’s leading independent distributor of life and health insurance products focused on serving the Senior Market. Integrity develops and distributes life and health insurance products with insurance carrier partners and markets these products through its distribution network, which includes other large insurance agencies throughout the country and over 215,000 independent agents. Integrity’s 500 employees serve almost 4 million clients. In 2019, Integrity will help insurance carriers place over $2 billion in new premium.

Anthem Ohio’s MA Network is Growing

Anthem’s Medicare Advantage Network Now Includes OhioHealth!

Network strength and security are important factors when  clients shop for a new Medicare plan— and they deserve nothing but the best. That’s why Anthem Blue Cross and Blue Shield is always adding quality providers.

You and your clients will both be pleased to know that, as of 9/1/2019, OhioHealth is now part of the Anthem Medicare Advantage network in Ohio.


Expanded network = more provider choices for your clients.

When clients have the flexibility to choose doctors and facilities that suit their particular health needs and personal preferences, that’s a big win for them and you. Through this new partnership, they’ll get access to the quality, affordable care they’re looking for.

Spread the word. Reap the rewards.

Anthem’s expanded network demonstrates their ongoing commitment to improving people’s health—and ensuring your success by giving them what they want in a health plan.


If you have any questions, reach out to your Cornerstone Senior Marketing rep.

MeridianCare/Wellcare Agent Events | September

MeridianCare/WellCare are hosting agent product lunch meetings all throughout the state of Ohio in September.

Please RSVP below to one of the locations near you!

Greater Cincinnati

September 9 Launch Meeting 10AM Indiana Wesleyan University: 9286 Schulze Dr, West Chester, OH

September 17 Launch Meeting 10AM Indiana Wesleyan University: 9286 Schulze Dr, West Chester, OH


Greater Cleveland

September 10 Launch Meeting 10AM Indiana Wesleyan University: 4100 Rockside Rd, Independence, OH 

September 19 Launch Meeting 10AM Indiana Wesleyan University: 4100 Rockside Rd, Independence, OH



September 18 Launch Meeting 10AM Holiday Inn Express & Suites: 12710 Roachton Rd, Perrysburg, OH 43551


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

Tech Tip: Look Before You Book, or You’ll Cry After You Buy

If you’re planning a trip soon, there are some things you should consider. For starters, is that dirt cheap flight to Tokyo too good to be true? Probably so, especially when the booking site also offers a boatload of other deals at shocking, unbeatable prices – who does that? A scam artist looking to take your money, that’s who. For this reason, you need to learn how to sniff out these “too good to be true” offers. To help you out, here are some tips:

  • Go official: Book a trip directly with an airline or hotel, or through a reputable agent/tour operator.
  • Do your research: Do a thorough online search to ensure the company is legitimate. Are there very few pictures of the business’ property, or unfavorable reviews? If they’re suspect, other people may have posted their negative experience to warn others.
  • Stay safe online: If sent a deal via social media or email, be very cautious and think before you click! The link may direct you to a malicious site. Make sure to pay special attention to the website name and domain. You may notice small changes in the name or domain – such as going from .com to .ru, which can direct you to a completely different company.
  • Pay safe: Don’t pay in cash, via bank transfer (MoneyWise, Western Union), or virtual currencies like Bitcoin. These payment methods are hard to trace and are non-refundable! Instead, pay with a credit card. Also, check that the website uses a padlock icon (https) on the address bar, indicating it’s secure.
  • Check the small print: Check that the website offers terms and conditions, a refund policy, and a privacy policy.
  • Use your instincts: If something sounds too good to be true, it probably is.
  • Report it: Keep all of the evidence and report it to your local authorities right away.

Use these tips to help avoid becoming the next victim of a scam. Remember, always look before you book. Otherwise, you’ll cry after you buy.

Let’s stay safe out there!