Pharmaceutical Companies spent $5.6 billion in 2015 for advertisements.. and those advertisements seem to work. 1 in about 7 people who take at least one Rx have admitted they specifically asked their Doctor about a medication they heard on the Tv, Radio, online, or in print. 2/3rds of those Doctors wrote the prescription…(Read More)

Walgreens Boots Alliance agreed to pay $269.2 million to settle U.S. claims that the drugstore chain defrauded a federally funded health care program over insulin drugs and a consumer-discount initiative. The two settlements, announced Tuesday, cover allegations over improper billing. In the first one, the company agreed to pay $209.2 million…(Read More)

The Office of Civil Rights (“OCR”) of the Department of Health and Human Services (“HHS”) has posted an alert warning employers, and others, of a fake communication involving the OCR audit program under HIPAA. The email falsifies HHS departmental letterhead and the signature of the OCR Director and directs individuals to a non-governmental website…(Read More)

Aliera Healthcare is an innovative healthcare organization offering both traditional healthcare and health sharing plans, which are an alternative to traditional insurance. At the core of Aliera plans is a concentration on the patient using our “Core 4” Patient Centered Medical Home Model of Care. Employer Group plans range from ACA compliant ‘Minimum Essential Coverage…(Read More)

Independence is pleased to partner with CLEAR Employer Services to provide a Professional Employer Organization (PEO) offering to companies looking to outsource many of their HR‑related functions, beginning with 1/1/2019 business. This solution supports primarily small and mid-size businesses by handling a variety of human resources and administrative functions, freeing company…(Read More)

Are you going to a new Doctor? Get a recent diagnosis? Or looking into new Hospital Systems? There are tons of important questions to ask when dealing with your health, but most don’t know where to start.  The Agency for Healthcare Research and Quality has put together the important questions to ask for many…(Read More)

CMS Change to LIS/Dual Special Enrollment Period…(Read More)

More than 23 cents of every healthcare dollar goes to Prescription drugs…(Read More)

Edward MacConnell of Total Benefits Solutions Reaches the Elite Level for the 2019 Marketplace Circle of Champions…(Read More)

If companies could give employees tax free money to buy health insurance on their own, how many would do so? We’re about to find out…(Read More)

We know everyone has heard of “Medicaid” and “Medicare” but most people don’t know exactly what these Government programs do, or confuse the two. Some even think they are the same thing, when they are both completely different types of programs. Each program is designed for specific populations, controlled by different areas of the…(Read More)

Extension of Deadline for 2018 Forms 1095-C The IRS has issued Notice 2018-94, which provides a limited extension of time for employers to provide 2018 Forms 1095-C to individuals. It also extends good-faith transition relief from certain penalties for the 2018 reporting year. To find out more, please click here. &nbsp…(Read More)

Over Half of Americans Delay or Don’t Get Healthcare Because They Can’t Afford It   With open enrollment for many medical plans in full swing, health care is top of mind for millions of Americans. But health care is still too expensive for most: A majority of U.S. adults have to delay…(Read More)

With the Marketplace making Health Insurance products more accessible and affordable than ever before, people have the opportunity to choose from MANY different policies, as opposed to before when most people just took whatever insurance an Employer may have offered them. While most people are familiar with or have heard of HMOs and PPOs, newer…(Read More)

According to advice issued Thursday by federal health officials, states should be free to redefine the use of  subsidies, which began in 2014. They represent the first help the government ever has offered middle-class consumers to afford monthly premiums for private insurance. States could allow the subsidies to be used for health plans the…(Read More)

Why Employers Offer Supplemental Insurance Plans Employers everywhere have become more and more interested in offering Supplemental Insurance Plans. These Voluntary Benefits are insurance products employees can elect to add to their plans to fill the gaps in their health insurance policy. These plans help with the costs associated with medical bills and missed time…(Read More)

Open Enrollment for Medicare ends on December 7th while the ACA Marketplace/ Obamacare Enrollment Period runs until December 15th. With all the hustle and bustle happening with the official beginning of the Holiday Season, these are important dates to know. If you have yet to choose a plan or have questions about plans available to…(Read More)

Make It to the Table: Don’t Drink & Drive this Thanksgiving Eve   “Thanksgiving Eve,” is associated with drinking and is a big night for bars. More than 800 Americans died in alcohol-impaired crashes during the days surrounding Thanksgiving over the past four years (6:00 p.m. Wednesday to 5:59 a.m…(Read More)

The Top 5 Reasons for ER Trips on Thanksgiving   Thanksgiving is almost here! It’s a wonderful day spent together with your family and loved ones. People across the Country will be spending hours and hours perfecting their feasts after weeks of careful planning. Family from near and far gather together to give Thanks…(Read More)

Broker of Record Letter Many clients are initially surprised to find out that they can enjoy all the benefits of working with our firm without the hassle of changing insurance carriers. Hire us today by downloading the broker of record letter, printing, completing and faxing it to us at (888)287-3186. The process is…(Read More)

Here at Total Benefit Solutions Inc, we pride ourselves on helping Individuals choose a Health Plan that works for their Family and their budget. Choosing a health insurance plan can be complicated, which is why we recommend calling a Broker to help you choose a plan and step-by-step through enrollment. However, knowing just…(Read More)

One of the benefits of getting your Health Insurance through the Marketplace is the tax credit applied to your premium, which makes your costs much more affordable. However, when determining how much your tax credit will be, you use an estimate on your income for the following year. Life is always changing, so if your…(Read More)

How to Find a Doctor You Trust Get a list of in-network providers: Call your insurance company or look at their plan materials for a list of doctors in their network. You’ll usually pay less to see a doctor in your network than a doctor who’s out-of-network. You can also…(Read More)

You hear it all the time: “I’m paying for Health Insurance I don’t even use!” But, Health insurance isn’t only for when you’re sick!  You can use it to maintain your healthy status, you can use it for Preventative Care and you can also use this time to learn how your…(Read More)

The Departments of Treasury, Labor, and Health and Human Services (collectively, the “Departments”) issued proposed guidance that, if finalized, creates a mechanism for employers to offer Health Reimbursement Arrangements (HRAs) in connection with individual health insurance coverage. The proposed regulations add two new HRA options for employers to consider: • HRA integrated with individual health…(Read More)

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