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!

Medico Adding New Hospital Indemnity Plan in Ohio!

Medico is releasing a new Hospital Indemnity plan in Ohio effective February 1, 2019.

Medico is introducing the plan in eight other states including: Arizona, Colorado, Missouri, South Carolina, Tennessee, Utah, Washington, and Wyoming*.  Here’s a brief summary of the exceptionally strong benefits you’ll see**:

Plan Benefit Changes:

  • Increased the observation benefit from 50% to 100% and maximum days from three to six
  • Added a transportation and lodging benefit
  • Added 21 and 31 days of coverage to the daily confinement benefit (in Utah, all options are 10, 21, or 30 days) and added daily benefits starting at $100

  Rider Changes:

  • New outpatient surgical coverage, urgent care coverage and lump sum hospital confinement coverage
  • Enhanced the outpatient therapy benefit to include chiropractic care
  • Simplified skilled nursing coverage for up to 50 days
  • Additional day added to ambulance service

* Previously approved states include  AL, AR, FL, GA, IA, IL, IN, KS, KY, LA, MI, MN, MS, MT, NC, NE, NV, OK, OR, PA, TX, WI, and WV.

** Benefits may vary by state.

In addition, the rates on these policies will be approximately 19% lower.

Please click here to view a Hospital Indemnity product change reference guide

Not appointed with Medico? Please contact your Cornerstone Senior Marketing Sales Representative for more information!

Aetna Medicare Network Update: ProMedica to Continue in Ohio

Aetna has reached a new 3-year agreement with ProMedica Physician Group. Effective January 1, 2019, ProMedica and its affiliated providers will continue to participate in Aetna’s Toledo/NW Ohio Medicare network.

There’s been no interruption to member access as an agreement was reached before the contract’s termination date. ProMedica and its affiliated providers are also included in our online provider search tool and current printed provider directories.

ProMedica Physician Group will continue to participate in the following Medicare products:

·         Aetna Medicare℠ Plan (HMO) ·         Aetna Medicare℠ Plan (PPO)

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

Important Humana AOR Changes!

Effective December 14, 2018, Humana has an updated policy regarding Agent of Record changes. This aligns with Humana’s Agent of Record Protection Pledge and is in-line with industry norms. This change also represents the commitment to protect the integrity of the agent-member relationship and supports confident book-of-business growth.

Humana will no longer process the following change requests:

  • AOR change requests received from a member (e.g. handwritten letter or email).
  • AOR change request received from an agent (other than through the Agent Business Transferal Form).

Click here for the updated policy.

Any questions please contact your Cornerstone Senior Marketing representative.

Open Enrollment for Medicare Advantage is Near! Read Through Humana’s Guidelines

Humana’s Resources to Understanding the Open Enrollment Period

Now that AEP is over with, you have a few weeks to gear up for Open Enrollment Period beginning January 1, 2019 through March 31, 2019! This is a one-time chance for your MA clients to change plans and it comes with some new regulations of which you should be aware.

Click here to view Humana’s OEP guide and guardrails that will help you navigate through OEP.

If you have any follow up questions in regards to OEP reach out to your Cornerstone Senior Marketing representative!

SilverScript Completes Acquisition of Aetna

Silverscript is excited to share that CVS Health, the largest pharmacy health care provider in the U.S., has completed its acquisition of Aetna, one of the nation’s leading diversified health care benefits companies.

The combination of CVS Health and Aetna is a transformative moment for Silverscript and the industry. With the combined capabilities of two leading organizations, Silverscript’s goal is to help transform the consumer health experience through a new innovative health care model that is easier to use, less expensive, and puts consumers at the center of their care. In doing so, Silverscript will deliver on their purpose of helping people on their path to better health.

As they bring the two companies together, your clients will continue to work with Silverscript as they do today, and receive the same great products, support and service.

Please read the Silverscript & Aetna Acquisition FAQ document here for more information.

It’s the Final Countdown! AEP is Coming to an End

The Annual Election Period is coming to an end on Friday December 7th. Below are some important reminders to ensure your clients are properly enrolled…

  • All applications must be submitted to the carriers by 11:59 PM on Friday December 7th.
  • Electronic submission is preferred!
  • When faxing applications to the carriers, you must submit one application at a time and keep your fax confirmation for each app. If an application becomes lost or is not received, you may need your back-up documentation to prove the initial submission date.

Don’t Miss Out On Selling UnitedHealthcare’s Plan 1 During AEP!

UHC Medicare SolutionsATTENTION BROKERS:

Enroll your clients in UnitedHealthcare’s MAPD and Medicare Supplement plans this AEP! Read more below on the great benefits they offer to members.

Top Features of UHC’s MAPD plans:

  • Visiting member benefit in 28 states (including Ohio) in the Passport program.
  • Offer hearing and vision coverage through their OWN providers: Epic Heath, Hi Health, and Spectara.
  • Clients have access to UHC’s Health Products Catalog that saves members money on many personal care items.
  • Mail order service and fitness benefit through Optum.
  • Robust member support programs like: Navigate for Me, Advocate for Me, and House Calls.

Top Features of UHC’s Med Supp plans:

  • Only MS brand with the AARP name
  • Stable annual trend increases (less than 3.2 percent each year for over 14 years)
  • Lifetime commissions on policies written 5/1/18 and after
  • Offers a health and wellness program via Optum

If you have questions or want to get contracted with UHC, please contact your Cornerstone Senior Marketing representative.