Of all the reasons to enroll in Medicare coverage, making health care more affordable is perhaps the biggest for millions of beneficiaries. One of the benefits found in Medicare Advantage plans is a maximum-out-of-pocket (MOOP) limit, but is there anything similar that will help with out-of-pocket costs for Medicare Part…(Read More)

https://youtu.be/vw0GSzzVjFg…(Read More)

Companies with fewer than 20 employees that offer group health coverage that pays secondary to Medicare (those not subject to the MSP rules) may be able to pay for the Medicare Part B, Part D, and Medicare Supplement Insurance premiums for their active employees. This is known as a Medicare Premium Reimbursement Arrangement. However, this…(Read More)

On March 28th, 2019, a Federal District Court in the District of Columbia struck down significant portions of the Department of Labor’s (DOL’s) Association Health Plan (AHP) Final Rule. Specifically, the Court found the DOL “failed to reasonably interpret” ERISA when issuing these rules: • expanding the definition of “employers” to include disparate groups…(Read More)

Photo by AbsolutVision on Unsplash The Wall Street Journalrecently reported on proposed changes by the Trump Administration “that could raise health insurance costs for millions of Americans who get coverage on the job or receive subsidies under the Affordable Care Act.” As they explain, the two sides continue to bicker about the Affordable Care…(Read More)

Choosing an insurance plan for employees can be challenging due to the flood of options now available. One of the biggest decisions you will have to make as an employer is between fully-insured and self-insured health plans. A fully-insured plan is a more traditional option where the company pays a premium to…(Read More)

Nearly half (44%) of respondents say their employer doesn’t offer opportunities beyond health benefits for employees to meet their health goals, and 62% say they feel their employer does not serve as a resource for their healthcare-related questions…(Read More)

SHELBY LIVINGSTON : Modern Healthcare . A federal judge’s decision to vacate the Labor Department’s 2018 rule expanding access to association health plans could cause thousands of people covered through such plans to lose their insurance. Whether and how soon that happens depends on the Labor Department’s appeals decision and the likelihood of the…(Read More)

WASHINGTON — A federal judge has struck down a small-business health insurance plan widely touted by President Donald Trump, the second setback in a week for the administration’s health care initiatives. U.S. District Judge John D. Bates wrote in his opinion late Thursday that so-called “association health plans” were “clearly an end…(Read More)

Finding Great Health Insurance Information is Easy on the Total Benefit Solutions Website! Photo by Tran Mau Tri Tam on Unsplash The Keystone Proactive HMO plans have become very popular but the number one question we get is ” how do I know what tier my doctor is in?” Finding your primary doctor’s tier on…(Read More)

There’s no question the health insurance industry is evolving. New technology is empowering employees’ health decisions. There’s big data. Online enrollment. More choice. And, of course, there’s still the Affordable Care Act. Here are five insurance issues everyone should watch…(Read More)

Dental costs can take a huge bite out of seniors’ finances, even if they have Medicare. And many Seniors have to tap into their Retirement Funds to cover treatment…(Read More)

When looking for a job, the benefits offered to an Employee are definitely a big factor in consideration of accepting an offer of employment. Most people are willing to choose a company with a slight pay decrease if the benefit package compensates for the lost wages. With unemployment the lowest it has been since 2000…(Read More)

We are pleased to share that Mercy Health System, St. Mary Medical Center, Saint Francis Healthcare and Independence Blue Cross (Blue Cross) anticipate coming to an agreement on a new, long-term contract this week, meaning there should be no interruption to your care or coverage at the following facilities: Mercy Fitzgerald Hospital Mercy Philadelphia…(Read More)

Healthcare Reimbursement Arrangement, typically referred to as an HRA, can be utilized by employers to reduce their overall healthcare costs without placing additional financial burden on their employees. An HRA allows the employer to pay for eligible expenses with pre-tax dollars. The employer decides what expenses are eligible, within the IRS guidelines, leaving a…(Read More)

Ever wonder exactly which benefit notices your company was required to distribute to employees? Ever notice that some of them are only needed when your business is a specific type of business or organization or size? Wonder no more thanks to our partners at HR360! Download your complimentary copy of the 2-19 employee guide…(Read More)


MURPHY MOVES NJ TO STATE-BASED HEALTH EXCHANGE TRENTON — New Jersey will move to a state-based health care exchange starting in 2021 as a result of an executive order signed Friday by Gov. Phil Murphy.The Democratic governor made the announcement at Saint Barnabas Medical Center in Livingston on the 9th anniversary of the…(Read More)

Each year, Medicare makes changes to the Part A and B out-of-pocket expenses, monthly premium for Part B, and premium adjustment thresholds for Part B and Part D. Here are the figures for 2020.. Click to download the bulletin Medicare Changes Coming for 2020Download…(Read More)

A bill has been introduced in New Jersey in both the Senate and Assembly that, if passed, would prohibit insurance carriers or other insurers subject to the insurance laws of New Jersey or any other state from offering, issuing or renewing any stop loss insurance policy of any kind to small employers. Stop loss insurance…(Read More)

It’s easy to loose track of the actual costs associated with smoking. When you look behind the scenes, you will realize why the utilization of Smoker Cessation Programs are important and how Employees and Employers can benefit from this type of Wellness Program . Healthcare $3,400 in excess expenses each year in the form…(Read More)

From retirement and health plans to unlimited paid time off, work flexibility and hot new benefits such as student loan repayment and professional development, these 10 companies are leading the pack when it comes to innovation in the field. Here’s what they are doing differently.         Netflix Their unique offering: Unlimited paid time…(Read More)

PEOs & the Philadelphia Area As you may be aware Independence Blue Cross recently introduced a PEO offering into the Pennsylvania market/Greater Philadelphia area through a partnership with Clear PEO. As a leading independent broker in the Northeast, Total Benefit Solutions, Inc.  has experience with PEOs and helping group clients find the best…(Read More)

Is your health plan group ERISA compliant? Health plans subject to the Employee Retirement Income Security Act (ERISA) must make available information about the plan to participants. The plan participants have a right to know about plan rules, financial data, plan operation and plan management. Many small employers fail to realize that they need…(Read More)

We have received a lot of questions regarding the new level funding health benefit programs so we prepared this video to make it a little easier to understand. Ask us today if Level Funding might be a good for for your health plan…(Read More)

Important News from Total Benefit Solutions Inc. February 11th 2019: For the past several months, we have been negotiating the terms of our agreements with Trinity Health (Trinity), which includes the following entities, as well as their professional providers, subsidiaries, affiliates, and divisions: Mercy Health System of Southeastern Pennsylvania, including Mercy Fitzgerald…(Read More)

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