Clear Spring Exiting Markets

Urgent Medicare Alert: Clear Spring Health Exiting 3 States– Don’t Lose Your Benefits!

Ed MacConnell

If you are a Medicare beneficiary in Illinois, Georgia, or Colorado, you need to check your mail, and your insurance card, immediately. Clear Spring Health has officially announced its complete exit from the Medicare Advantage market in these three states. This isn’t a “next year” problem; it is happening right now. Coverage for every single enrolled member will officially end at midnight on May 31, 2026. At Total Benefit Solutions Inc, we know how stressful it is to hear that your health coverage is vanishing mid-year. As your health insurance advocates, we are here to ensure you don’t fall through the cracks of this transition. You have less than three… Read More

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Medicare Client Consultation

The May 2026 Medicare Updates Everything You Need to Know Now

Ed MacConnell

Welcome to your essential update for May 2026. If you’ve been feeling like the world of health insurance is moving faster than you can keep up with, you aren’t alone. Between shifting pharmaceutical programs and complex federal regulations, staying informed is a full-time job. Luckily, it’s our full-time job. At Total Benefit Solutions Inc, we don’t just watch the changes; we navigate them for you. This month, we have three major updates that will impact how you access care, how much you pay for prescriptions, and how your business stays compliant with Medicare rules. The July 2026 Ozempic/GLP-1 “Bridge Program” One of the most frequent questions we’ve received lately is:… Read More

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New Medicare plans could wind up forcing seniors to switch or buy new plans or face a significant penalty

Ed MacConnell

Many seniors who remain working past 65 are still on their employer’s health plan instead of government-run Medicare. However, a new update to Medicare coverage under the Inflation Reduction Act means seniors who delay joining Medicare could face additional hurdles when it comes to drug coverage. Who Does It Affect?Currently, seniors are able to avoid late penalties for Medicare Part D as long as their company’s plan pays on average just as much as the traditional Medicare prescription drug plan. These numbers are scheduled to change drastically in 2025. Starting January 1, most employer plans will no longer be accepted as a way out of the late penalties because they… Read More

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