Now Available with CSG! Med Supp Household Discount Definitions

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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.

REGISTER HERE

Cigna’s MA Ohio Network is Growing

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Sourced from Cigna broker blast from 7/3/23:

Cigna is constantly working to expand our network to meet the needs of our customers. Some exciting network expansions are happening in your area! Please see below to learn more.

We have recently added the following providers to our network in the Ohio market:

Ambulatory Surgery Center
• Cleveland East Vascular Care LLC

Cardiology
• The Cleveland Clinic Foundation
• Cardiologists of Greene County LLC
• Kettering Independent Medical Group
• Kettering Specialty Care INC

Clinical Social Worker
• The Cleveland Clinic Foundation

Colon & Rectal Surgery
• University Hospitals Medical Group INC

Family Medicine
• Alliance Physicians INC
• Mercy Health Physicians Youngstown Specialty Care LLC
• Mercy Health Physicians Youngstown LLC
• University Hospitals Medical Practices
• Cleveland Clinic Akron General Internal Medicine
• UH Chagrin Highlands Urgent Care

Gastroenterology
• Mercy Health Physicians Youngstown Specialty Care LLC
• Kettering Specialty Care INC

Hematology/Oncology
• The MetroHealth System

Internal Medicine
• The Cleveland Clinic Foundation
• MVHE INC
• Valley Medical Primary Care
• Mercy Health Physicians Youngstown LLC
• Dedicated Ohio Holding LLC
• St Vincent Charity Community Health Center

Long Term Acute Care Hospital
• Select Specialty Hospital – Cincinnati INC
• Select Specialty Hospital – Youngstown INC
• Select Specialty Hospital – Northeast Ohio INC Canton Campus

Neurology
• Mercy Health Physicians Youngstown Specialty Care LLC

Obstetrics & Gynecology
• Mercy Health Physicians North Specialty Care LLC
• Mercy Health Physicians Youngstown LLC
• University Hospitals Medical Practices

Occupational Medicine
• St Vincent Charity Community Health Center

Pain Management
• The Cleveland Clinic Foundation

Plastic Surgery
• Kettering Specialty Care INC

Podiatry
• Choice Podiatry Associates INC
• Gentle Footcare LLC
• Wound Care Consultants LLC
• Mary Rutan Hospital

Pulmonary Medicine
• Alliance Physicians INC
• Mercy Health Physicians Youngstown Specialty Care LLC

Radiation Oncology
• Kettering Specialty Care INC

Skilled Nursing Facility
• Highland Square Rehabilitation and Nursing Center
• Maple Gardens Rehabilitation and Nursing Center

Sleep Medicine
• The MetroHealth System

Sports Medicine
• University Hospitals Medical Group INC

Urology
• University Hospitals Medical Group INC

Vascular Surgery
• The Cleveland Clinic Foundation
• Premier Health Specialist INC

 

Questions? Please reach out to your CSM rep today!

Released: 2024 CMS Broker Compensation Rates

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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

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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.***

Merck Sues Over Drug Price Negotiation Law

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The pharmaceutical company Merck on Tuesday sued the federal government over legislation that empowers Medicare for the first time to negotiate prices directly with drugmakers.

Merck’s lawsuit, filed in federal court in Washington, is the drug industry’s most significant move so far to fight back against a substantial change to health policy, which will go into effect starting in 2026. Democrats pushed through the Medicare-negotiation program last summer as a provision of the Inflation Reduction Act, framing it as a way of lowering drug prices.

https://www.nytimes.com/2023/06/06/business/merck-medicare-drug-prices.html

Important Updates to LeadCENTER – Please Read!

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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:

WATCH VIDEO

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.

SHOP FOR LEADS

 

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

Union Security Insurance Co: Important Med Supp Update

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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.

Cigna’s Value Based Enrollment Program Changes

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Sourced from Cigna broker email communication from 5/16/23:

Changes to VBE payments for digital applications starting with June 1 effectives.

At Cigna Healthcare, we believe that the Primary Care Provider (PCP) and patient relationship is of vital importance to drive better health outcomes and increase customer satisfaction and retention.

 

For this reason, we are making changes in how payments are earned through our Value Based Enrollment (VBE) digital application program to further promote the PCP and patient relationship and continue to encourage the collection of a customer email address. This change applies to June 1 effectives and beyond.

 

New VBE payment amounts

Here’s how you can continue to earn up to $50 per approved digital application for new Cigna Healthcare Medicare Advantage (MA) customers:

• Earn $30 for including a valid in-network PCP on the digital application.
• Earn $20 for including a valid customer email address on the digital application.

 

For more information on this change to our VBE program, please feel free to review our VBE Program Broker FAQ after logging in to Producers’ University.

Benefits of this program change

Capturing a customer’s valid PCP and email address at the time of enrollment gives Cigna Healthcare Medicare important information to provide better care for your customers.

Better care results in higher customer satisfaction and retention rates, as well as higher net promoter scores (NPS). This means you can spend more time selling and growing your business and less time addressing customer concerns.

Effective Immediately: UCT Suspends New Product Sales

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Important Message

Effective Immediately, UCT is voluntarily suspending the acceptance of new applications for all products due to last quarters filings that showed UCT has dropped below the minimum statutory surplus limit.

Customer service will continue to service existing policies/policy holders/providers. In addition, the processing of claims will not be affected and will continue as usual. 

 

Questions?

Contact your Cornerstone Senior Marketing Team

614-763-2255

service@cornerstoneseniormarketing.com

CSM Newest Carrier Partner: Introducing Clear Spring Health!

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Are you looking for a carrier that offers commissionable Part D (PDP) plans?

You are in the right place. Cornerstone Senior Marketing welcomes Clear Spring Health to its family of carriers. See what makes Clear Spring Health a must-have for your Medicare sales portfolio.

Clear Spring PDP

• Medicare Part D plans include an extensive list of generic and brand-name prescription drugs at affordable prices.
• Offers a 5 Tier Formulary that covers over 3,300 medications
• Nearly 30K pharmacies in the preferred network and over 70K retail pharmacies nationwide.
• Drug Pricing Tool – look up any drug to find the current cost at participating pharmacies wthin a 10-mile radius
• Sponsors Prescription Drug Plans in all states except NY.

About Clear Spring Health

• Clear Spring Health is an entrepreneurial, second-generation Medicare insurance company offering consumer focused products and innovative healthcare tools.
• The Company built a platform in a high barrier to entry space, demonstrated explosive growth and presents unique capabilities relative to their Prescription Drug competitors.
• Clear Spring is one of the fastest growing plans in the country and have tripled membership during the most recent Medicare Annual Enrollment Period.
• Clear Spring Health is part of the Group 1001 family of insurance companies with ~60 billion in assets under management.

 

REQUEST CONTRACTING HERE!

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