REMINDER: Humana MP Changes Agent Release Policy

Agents must follow the Humana Release Policy when ending or changing an affiliation. This policy is applicable to agents contracted to sell Individual Medicare, Ancillary and Supplemental benefit products.

Immediate Release Policy:
To receive an immediate release, external agents must secure a release letter from their current upline. It is at their discretion whether or not to release an agent prior to 90 days (see Delayed Release Policy below). The current upline is required to formally communicate the release of the agent in writing using company letterhead, signed by the principal, with a current or future effective date of the release. Release letters must be sent to Humana’s Agent Support at AgentSupport@humana.com.

If the immediate release is accepted it will be processed within 5 business days. Humana will notify the agent via email when the release has been processed.

Delayed Release Policy
In instances where an immediate release is not granted, the agent may request a delayed release. The delayed release will be effective 90 days after the agent’s request is received*. Such requests must be in writing and sent to Humana’s Agent Support at AgentSupport@humana.com.

Agent Release Timeline

Received 90 day Release Immediate Release
1/2 through 7/10 Effective 90 days post request Processed within 5 business days
7/11 through 9/30 Effective 1/2 Processed within 5 business days
10/1 through 1/1 Effective 4/1 Effective 1/2

 

 MGA Hierarchy Release Timeline
Received 90 day Release Immediate Release
1/2 through 7/10 Effective 90 days post request Processed per standard contracting turnaround time
7/11 through 9/30 Effective 1/2 Processed per standard contracting turnaround time
10/1 through 1/1 Effective 4/1 Effective 1/2

*The delayed release will be effective 90 days after the agent’s request is received
*agencies can realign one time per year

Agent’s Status upon Release
Once an agent is released they will be free to align themselves with another upline. (There are specific situations under which an agent cannot align themselves. Please contact your External partner for more information.) The agent must notify Humana in writing indicating what upline they wish to be aligned with. The name of the new upline can be included in the original release request.  It will be the agent’s sole responsibility to maintain all license, training, certification, and appointment requirements with Humana.

Impact on Agent’s Book of Business

  • New: Any business submitted to Humana while the agent was aligned with the previous upline will result in the appropriate overrides and commission being paid as indicated by the contracts and schedules in place.
  • Renewal: Any renewals earned while the agent was aligned with the previous upline will result in the appropriate overrides and renewals being paid as indicated by the contracts and schedules in place.

The release ONLY affects business that occurs after the date of the release.

If you have any questions please contact your CSM Sales Representative.

Anthem OH Medicare Supplement Updates

2019 is in full swing and Medicare continues to be a growing market. Along with Anthem’s MAPD plans, their Medicare Supplement plans continue to be very competitive. Please keep the following in mind when evaluating options for your Medicare Supplement clients:

  • Anthem’s bonus program has been extended through 4/1/19 effective dates (3-4 apps $100, 5-9 apps $150, 10+ apps $250). View flyer here for details.
  • As of 01/01/2019 effective dates, you will earn 21% commission!!! View 2019 agent commission schedule here.
  • All of Anthem’s currently offered Medicare Supplement Plans include Silver Sneakers and provide access to over 13,000 Silver Sneakers Fitness locations across the US.
  • Members have access to a tuition savings program through the SilverSneakers partnership with CollegeSave www.collegesave.org/silversneakers
  • Anthem offers a 5% household discount, a $48 discount for annual payment or a $24 discount for monthly EFT.
  • 2019 Sales Kits are now available on  Custom Point.

If you have any questions please reach out to your Cornerstone Senior Marketing representative.

 

 

Aetna MADP/PDP ExtraCare Health Cards

NEW: Members to receive ExtraCare Health Card

Aetna and Aetna Coventry MAPD and PDP members will receive an ExtraCare Health Card from CVS Pharmacy, one of Aetna’s preferred pharmacy partners.

With this card, members can get 20% off on CVS brand health products like vitamins, cold remedies and other over-the-counter supplies. The card does not offer discounts on prescription drugs.

The ExtraCare Health Card is free, and members are under no obligation to use it. If members choose to use it, the 20% discount will be activated when used during a purchase.

What you need to know
  • IMPORTANT: Due to compliance rules, this discount program cannot be promoted to prospective enrollees as an Aetna value-add program. It can only be discussed with current members.
  • The cards started mailing the last week of January and will continue into late February. Thereafter, the cards will be mailed to new members on a monthly basis.

If members already have an ExtraCare card, they can call CVS Pharmacy at 1-800-746-7287 to have their reward points transferred to their new card. Or, they can go to www.cvs.com/extracarehealth.

Aetna’s 2019 Product Training | Cleveland

Join Cornerstone Senior Marketing and Aetna for three informative training sessions in the Cleveland area to learn more about Aetna’s 2019 Medicare Advantage products!

Please only RSVP to one location. Training is the same content for all dates and locations.

Tuesday, February 26th

TIME: 9:00 am – 11:00 am

LOCATION: Aetna’s Akron/Richfield Office

4059 Kinross Lakes Parkway

Richfield, OH 44286

Tuesday, February 26th

TIME: 1:00 pm – 3:00 pm

LOCATION: CSM Cleveland Office

4500 Rockside Rd., Suite 330

Independence, OH 44131

Wednesday, March 6

TIME: 10:00 am – 12:00 pm

LOCATION: Holiday Inn Youngstown-South (Boardman)

7410 South Ave.

Boardman, OH 44512

Topics to be discussed during training include:

  • OEP highlights and what you need to know
  • Organizational updates and new marketing pieces
  • Online enrollment tools

RSVP to Danielle Flesch @ Danielle.Flesch@cornerstoneseniormarketing.com

Not appointed with Aetna with CSM? Contact your Cornerstone Senior Marketing Sales representative for more information! 

Allwell Training Available in Cleveland

Join CSM and Allwell for an interactive training session in our Cleveland office to learn more about what you can offer your clients with Allwell’s products.

Please only RSVP to one date and location. Training is the same content on both days. 

Wednesday, February 13th

TIME: 10:00 am – 12:00 pm

LOCATION: Allwell’s Akron Office

3700 Embassy Parkway

Akron, OH 44333

Wednesday, February 20th 

TIME: 10:00 am – 12:00 pm

LOCATION: CSM Cleveland Office

4500 Rockside Rd., Suite 330

Independence, OH 44131

RSVP to Danielle Flesch @ Danielle.Flesch@cornerstoneseniormarketing.com

Topics to be discussed during training include:

  • How to market Allwell’s DSNP product
  • Allwell’s Online Enrollment – Value Based Enrollment information
  • Marketing tools

Not appointed with Allwell? Contact your Cornerstone Senior Marketing Sales representative for more information! 

Anthem Medicare Training | CE Credit Offered!

Please join Cornerstone Senior Marketing and Anthem for a Medicare training series with a continuing education course discussing “Supplemental Health Benefits: What you need to know”

This will be a 2 hour CE credit course providing an understanding of the changes impacting Medicare Advantage Plans in regards to Supplemental Health benefits.

After the CE course, Anthem’s Amanda Brewton will be reviewing marketing techniques, and explaining the enrollment of Anthem’s Essentials Extras.

Register below for dates and locations for a training in your area. Please only RSVP to one location/date; each training is the same content.

RSVP to Danielle Flesch @ Danielle.Flesch@cornerstoneseniormarketing.com 

CINCINNATI

TUESDAY, FEB. 12

TIME: Registration 8:30 AM – 9AM  Class starts 9AM – 12PM

LOCATION: CBISA’S MEDIA CENTER 2101 FLORENCE AVE.

CINCINNATI, OH 45206

DAYTON

WEDNESDAY FEB. 13

TIME: Registration 8:30 AM – 9AM  Class starts 9AM – 12PM

LOCATION: THE GOLF CLUB AT YANKEE TRACE

10000 YANKEE STREET CENTERVILLE, OH 45458

COLUMBUS

THURSDAY FEB. 14

TIME: Registration 8:30 AM – 9AM  Class starts 9AM – 12PM

LOCATION: WEDGEWOOD GOLF & COUNTRY CLUB

9600 WEDGEWOOD BLVD. POWELL, OH 43065

TOLEDO

TUESDAY FEB. 19

TIME: Registration 8:30 AM – 9AM  Class starts 9AM – 12PM

LOCATION: CIFT CONFERENCE CENTER

5555 AIRPORT HIGHWAY, SUITE 100 TOLEDO, OH 43615

LIMA

WEDNESDAY FEB. 20

TIME: Registration 8:30 AM – 9AM  Class starts 9AM – 12PM

LOCATION: HOWARD JOHNSON HOTEL

1920 ROSCHMAN AVE. LIMA, OH 45804

CLEVELAND

THURSDAY FEB. 21

TIME: Registration 8:30 AM – 9AM  Class starts 9AM – 12PM

LOCATION: HOLIDAY INN INDEPENDENCE

6001 ROCKSIDE RD. INDEPENDENCE, OH 44131

CSG Quoting Tool App | Download Today!

Cornerstone Senior Marketing agents now can access the CSG Medicare Quoting tool from any smartphone, iPad, or tablet from our NEW app! And even better…. it’s still FREE!!

Any current agents that have access to CSG can download the app from your provider’s app store. 

  1. Type in “Cornerstone CSG Quoting Tools” in the search bar
  2. Click on the “Cornerstone Quoting Tools” and click “Install”
  3. Once installed click “Open”
  4. Type in your current username and password for CSG and click “Sign In”
  5. Start running quotes!

Please note, the ability to compare quotes is unavailable at this time through the app. If you run a quote through the actual website here, you will still be able to compare quotes.

If you do not have access to our FREE CSG quoting tool and are interested please click here.

 

MEDICARE CENTER: LIVE WALKTHROUGH WEBINARS

Join Cornerstone Senior Marketing on Tuesday, January 22nd or Thursday, January 24th from 2:00 PM – 3:00 PM EST, for a live demonstration of this improved online enrollment tool!

Register Here

Medicare Center is Cornerstone’s online enrollment tool as your one stop shop by  enrolling your clients with Aetna, Anthem, Humana, and UnitedHealthcare plans!

WEBINAR: 2019 OEP | WHAT YOU NEED TO KNOW

Join Cornerstone Senior Marketing’s Matt Fry for an informative webinar regarding the 2019 MA Open Enrollment Period and what you need to know!

We will be discussing what OEP is, what beneficiaries can and cannot do during OEP, as well as marketing guidelines to protect you the agent!

DATE: THURSDAY, JANUARY 24

TIME: 10:00 AM

Register Here

For more information or questions please contact your Cornerstone Senior Marketing representative

CSI Life’s New Take on Commissions

CSI Life is announcing an exciting new take on commissions when you replace one of your CSI clients with CSI Life! Effective immediately, agents replacing CSI business with CSI Life will be paid full commissions and will be classified as the first year of the commission cycle, treating it as an external replacement. Clients wanting to move to CSI Life will need a new application and will need to go through underwriting.

It’s a win-win for you and your clients! You are now able to offer a more competitive product to your clients and receive commissions starting again in year one. Not only that, but it allows for you, the agent, and your clients to continue to do business with one of the most stable and recognized names in the industry.

Questions? Contact your Cornerstone Senior Marketing Sales Representative today!