October 25th: Independence Blue Cross Member Renewal Letter details

Due to the subsidy disruption in some counties, Independence will be sending renewal notices in 2 waves.

On October 25th 2018:

Members who do not receive a subsidy will receive their renewal notices for 2019. The notice will include benefit and premium updates for 2019 and provide a personalized URL for a website that enables them to renew plans as-is (EZ Button), or make a change to their current plan.
Members who have a subsidy will receive a letter advising that Independence is waiting for more information from the federal government regarding their subsidy dollars. Upon receipt of this information, the renewal notices will be sent. Members do not need to wait for their renewal letter to determine their new subsidy.  We can update your subsidy applications through ibx4you  starting November 1.
Upon receipt of subsidy information members will be sent their renewal notice, including benefit, premium, and subsidy updates, plan options, as well as a personalized URL (EZ button) for confirming enrollment in their same plan for 2019.

The renewal notices will direct members to contact their broker for assistance. Please contact your Total
Benefit Solutions account manager at (215)355-2121 if you have any further questions or if you would like to schedule your annual review, especially if you are currently receiving a subsidy.

Please note: We do NOT have the plan details or the rates at  this time and do not expect to have
them before October 25th, 2018.

I am so grateful for the amazing service!



 

I was completely lost when looking for new health insurance. I called several brokers, and none would take the time to explain everything to me. He took his time and explained everything to me and answered every question I asked, without sounding annoyed. I am so grateful for the amazing service! I highly recommend!  Franklin S

Franklin S

Total Benefit Solutions Inc
2017-12-31T09:21:57-05:00

Franklin S

I am so grateful for the amazing service!

Amy H

lquoteIf you two were in front of me I’d hug you right now.  Now I have more money in my checking account than I thought!  AWESOME!

Amy H- Individual Client on the healthcare.gov marketplaceRquote

 

 
Total Benefit Solutions Inc
2015-01-24T20:32:14-05:00
"If you guys were here I'd hug you!"

Bryan Perchick

lquoteAs a commercial realtor I spend 90% of my time on the road and do not find myself at a desk very often. Having Total Benefit Solutions, Inc. as my broker makes the task simple, fast and to the point. And I never waste time on hold with the insurance company any longer. Thanks again Ed and Total Benefit Solutions Inc!  Rquote

-Bryan Perchick

Total Benefit Solutions Inc
4
2015-01-26T10:07:47-05:00

-Bryan Perchick

As a commercial realtor I spend 90% of my time on the road and do not find myself at a desk very often. Having Total Benefit Solutions, Inc. as my broker makes the task simple, fast and to the point. And I never waste time on hold with the insurance company any longer. Thanks again Ed and Total Benefit Solutions Inc!  

Neil Greenberg

lquote-grn

There is no more valuable advisor, agent, friend or guru than you, Ed. You have helped me through numerous conundrums, assisted people who might not even be good client candidates, and explained things in language even I can understand. There isn't a circumstance which I don't take the opportunity to recommend you to someone. If I had more Rquote-grninfluence, I could repay you for all the good you've done for me, my family and friends.


Neil Greenberg
Total Benefit Solutions Inc
4
2015-01-26T09:21:26-05:00
There is no more valuable advisor, agent, friend or guru than you, Ed. You have helped me through numerous conundrums, assisted people who might not even be good client candidates, and explained things in language even I can understand. There isn't a circumstance which I don't take the opportunity to recommend you to someone. If I had more influence, I could repay you for all the good you've done for me, my family and friends. Neil Greenberg

Totally Zen

lquoteEd, Great follow up! Thanks again your service is incredible!!

Stephanie Churchill, PresidentRquote
Total Benefit Solutions Inc
2015-01-26T09:36:32-05:00
Ed, Great follow up! Thanks again your service is incredible!! Stephanie Churchill, President


I've been getting my health insurance through Ed at Total Benefit Solutions and his team for the past few years. It has always been a great experience. I had the pleasure of speaking to Jennifer this evening to renew my coverage. I'm very appreciative of her advice and help. She made it very easy. -Reita B

Reita B

Total Benefit Solutions Inc
2018-05-29T09:45:52-04:00

Reita B

I've been getting my health insurance through Ed at Total Benefit Solutions and his team for the past few years. It has always been a great experience. I had the pleasure of speaking to Jennifer this evening to renew my coverage. I'm very appreciative of her advice and help. She made it very easy. -Reita B

Terry Farber

lquoteI have relied on the expertise of Ed MacConnell and his staff for assistance in choosing the best health care plans for me and my husband for the past several years. I highly recommend Total Benefit Solutions, Inc., for your health care planning needs.

-Terry Farber, Elder Law AttorneyRquote
Total Benefit Solutions Inc
2016-07-14T18:19:34-04:00
I have relied on the expertise of Ed MacConnell and his staff for assistance in choosing the best health care plans for me and my husband for the past several years. I highly recommend Total Benefit Solutions, Inc., for your health care planning needs. -Terry Farber, Elder Law Attorney

Pete’s Clown House Luncheonette

lquoteEd MacConnell and his team make me feel like I’m their only customer! Whenever I need help they’re ready, willing and able. It makes it easier to focus more on keeping my restaurant profitable and smooth.

Ron Bordone-PresidentRquote
Total Benefit Solutions Inc
2015-01-26T09:44:33-05:00
Ed MacConnell and his team make me feel like I’m their only customer! Whenever I need help they’re ready, willing and able. It makes it easier to focus more on keeping my restaurant profitable and smooth. Ron Bordone-President



 

Ed and his team put up with all my health insurance panic and drama! In this crazy world of health insurance mania, it's helpful to have someone to put things into perspective - and find you coverage you can live with.  

Paige , President Paige Wolf Media and Public Relations

 

 

Total Benefit Solutions Inc
2017-12-31T09:25:42-05:00

Paige , President Paige Wolf Media and Public Relations

 

 

in this crazy world of health insurance mania, it's helpful to have someone to put things into perspective


I was completely lost when looking for new health insurance. I called several brokers, and none would take the time to explain everything to me. (They ) took the time and explained everything to me and answered every question I asked, without sounding annoyed. I am so grateful for the amazing service! I highly recommend Total Benefit Solutions, Inc! -Ariel M.

Ariel M

Total Benefit Solutions Inc
2018-05-29T09:43:15-04:00

Ariel M

I was completely lost when looking for new health insurance. I called several brokers, and none would take the time to explain everything to me. (They ) took the time and explained everything to me and answered every question I asked, without sounding annoyed. I am so grateful for the amazing service! I highly recommend Total Benefit Solutions, Inc! -Ariel M.

Bruce McIntyre

lquote-grnEd, and his group, is perhaps the most knowledgeable in PA for healthcare. Note that while Ed has major misgivings with ACA, he has taken the time to read the legislation, and to understand it's implications, and to provide advice to his customers based on reality, not some right or left wing fantasy.  If you want actual information on healthcare, talk to Ed and his group.-Bruce McIntyreRquote-grn
Total Benefit Solutions Inc
2015-01-26T09:24:16-05:00
Ed, and his group, is perhaps the most knowledgeable in PA for healthcare. Note that while Ed has major misgivings with ACA, he has taken the time to read the legislation, and to understand it's implications, and to provide advice to his customers based on reality, not some right or left wing fantasy.  If you want actual information on healthcare, talk to Ed and his group.-Bruce McIntyre

Christine Taylor

lquote

I have been working with Ed and his team for a few years now and their level of professionalism as well as timeliness never fails, even when it is late into the night at times. Thank you all for making this process smooth & easy which would certainly not be the case on my ownRquote.

Christine Taylor: Self Employed

Total Benefit Solutions Inc
2016-02-06T12:43:18-05:00

Christine Taylor: Self Employed

I have been working with Ed and his team for a few years now and their level of professionalism as well as timeliness never fails, even when it is late into the night at times. Thank you all for making this process smooth & easy which would certainly not be the case on my own.

BKZ Contractors Inc.

lquoteI found out the hard way what having the wrong coverage can truly cost. Even though I had insurance I found out later that my child’s birth was not covered and I had to pay 100% of the costs. After that I found the guys at EMA (Total Benefit Solutions Inc.) and Ed found me a plan that was not only better, the premiums were lower as well. Thanks again!

Brian Zeldes, President BKZ Contractors Inc.Rquote
Total Benefit Solutions Inc
5
2015-01-26T10:02:52-05:00
I found out the hard way what having the wrong coverage can truly cost. Even though I had insurance I found out later that my child’s birth was not covered and I had to pay 100% of the costs. After that I found the guys at EMA (Total Benefit Solutions Inc.) and Ed found me a plan that was not only better, the premiums were lower as well. Thanks again! Brian Zeldes, President BKZ Contractors Inc.

Stephen Forbus

lquoteEd, thanks for helping me solve the ACA puzzle. After multiple problems with the site and with the operators, you got me a bigger savings than I was able to get on my own, and saved me over $2,250! Thank you!

Stephen ForbusRquote
Total Benefit Solutions Inc
2015-01-26T09:23:16-05:00
Ed, thanks for helping me solve the ACA puzzle. After multiple problems with the site and with the operators, you got me a bigger savings than I was able to get on my own, and saved me over $2,250! Thank you! Stephen Forbus

over and above the call of duty



 

Over the years Ed and his crew have gone over and above the call of duty to assist me with my health insurance needs. They have perfect amount of patience needed to help healthcare novices like me. I highly recommend Total Benefits. Don’t delay! Call today!

Amy H

Total Benefit Solutions Inc
2017-12-31T09:14:39-05:00

Amy H

over and above the call of duty

Lou Grossman

lquote-grnEd and his team go the extra mile for you. They truly care about your benefits ...And Ed knows more about benefit details and regulations than anyone around . He is the best-and a nice guy to boot.- Lou Grossman, President-Grossman Public RelationsRquote-grn
Total Benefit Solutions Inc
2016-05-05T17:54:09-04:00
Ed and his team go the extra mile for you. They truly care about your benefits ...And Ed knows more about benefit details and regulations than anyone around . He is the best-and a nice guy to boot.- Lou Grossman, President-Grossman Public Relations

Bonnie Greisler

lquoteThank you for taking great care of me- and my son! You guided us to workable medical insurance plans, I am very appreciative for your expertise and knowledge!- Bonnie Greisler., President of The Men and Boy's Store, Huntingdon Valley PA Rquote

Bonnie Greisler, President of The Men and Boy's Store

Total Benefit Solutions Inc
2016-02-08T09:59:24-05:00

Bonnie Greisler, President of The Men and Boy's Store

I am very appreciative for your expertise and knowledge!

Zola Makrauer DMD

lquoteEd is an expert in health insurance. I am a health care provider myself and I know how difficult this business can be. He is knowledgeable with all of the health insurance companies in our area. If you are looking for health insurance I would not pass up Ed for a quote he is great for single plans as well as plans for groups for business owners. Zola Makrauer DMD Rquote
Total Benefit Solutions Inc
2015-02-09T07:53:06-05:00
Ed is an expert in health insurance. I am a health care provider myself and I know how difficult this business can be. He is knowledgeable with all of the health insurance companies in our area. If you are looking for health insurance I would not pass up Ed for a quote he is great for single plans as well as plans for groups for business owners. Zola Makrauer DMD

Over the years Ed and his crew at Total Benefit Solutions have gone over and above the call of duty to assist me with my health insurance needs. They have perfect amount of patience needed to help healthcare novices like me. I highly recommend Total Benefits. Don’t delay! Call today! -Amy H.

Amy H

Total Benefit Solutions Inc
2018-05-29T09:40:21-04:00

Amy H

Over the years Ed and his crew at Total Benefit Solutions have gone over and above the call of duty to assist me with my health insurance needs. They have perfect amount of patience needed to help healthcare novices like me. I highly recommend Total Benefits. Don’t delay! Call today! -Amy H.

Rachael Cappella

lquote-grn


Ed MacConnell was extremely patient and helpful when assisting me in choosing the health insurance that was right for me.... He was very knowledgeable about different options and took time to answer all my questions. Total Benefit Solutions is definitely the place to call for your health insurance needs.Rquote-grn

 
Total Benefit Solutions Inc
5
2016-02-06T12:38:58-05:00
Total Benefit Solutions is definitely the place to call for your health insurance needs.

Sales Pros 4 Hire

lquoteEspecially thank you for helping my wife and I sail through the new Affordable Care Act. You and your team made the complicated seem simple and select the plan best suited for our health insurance needs. Thanks!

Mike Hilbert, President, Sales Pros 4 HireRquote
Total Benefit Solutions Inc
5
2015-02-02T21:04:03-05:00
Especially thank you for helping my wife and I sail through the new Affordable Care Act. You and your team made the complicated seem simple and select the plan best suited for our health insurance needs. Thanks! Mike Hilbert, President, Sales Pros 4 Hire
4.6
5
Total Benefit Solutions Inc