Total Benefit Solutions Inc

Solutions for Business

Today's small business managers need more than just a broker with a spreadsheet of health…

Solutions for Individuals & Families

Today’s consumers need more than just a health insurance plan on a website. They need…

Solutions for Seniors & Medicare Beneficiaries

Seniors & Other types Medicare beneficiaries have a unique set of needs for their benefits.…

Our Team

Our Team The Total Benefit Solutions team is a dedicated group of professionals. We are trained, certified, licensed, experienced and ready for your call. Our purpose is to serve you, our client and not any insurance company or government agency. Our focus is on health insurance and benefits. We are here for you throughout the year including pre-renewal, renewal and post enrollment services. We take the job of securing coverage for you, your family or your employees seriously. Our advice is thorough and impartial and we always advocate for our clients.

What is the IRMAA Surcharge?

What is the IRMAA Surcharge? The income-related monthly adjustment amount (IRMAA) sliding scale is a set…

Horizon NJ: Covid-19 Resource Guide Update

Horizon has worked to address coverage matters and adjust business practices to help our members…

Health Insurance Nondiscrimination Rules Small Business Owners Need to Know

Group health plans and tax-favored accounts—including health savings accounts (HSAs), health flexible spending arrangements (health…