2017 ACA ” Obamacare” plans open enrollment important update. The annual open enrollment period opens on November 1st 2016 and ends January 31st 2017.
Independence Blue Cross will be the only insurer available in 2017 in the Philadelphia 5 County Area.
With the passing of the Affordable Care Act changes come annually or even more often. Unfortunately not all of those changes are benefiting the consumer. This year here are some major changes that our clients on Individual Non Medicare plans need to be aware of…
If you are a enrolled on an ACA compliant plan with Aetna or United Healthcare your plan is going away. Neither Aetna or United will be offering any individual health insurance plans in PA in 2017. That includes both on exchange plans and off exchange plans. You must enroll on a new plan during open enrollment period or you will have no coverage.
If you currently enrolled in a sole proprietor of licensed professional association plan, your plan is going away. You must enroll on a new plan during open enrollment period or you will have no coverage.
If you are enrolled on an IBC plan in 2017 through Total Benefit Solutions, either on exchange or off, we will help you renew your plan for 2017 but IBC will be the only carrier in the Philadelphia 5 County Area in PA in 2017.
As IBC is the only carrier offering coverage in the area, commissions to brokers have been almost entirely eliminated except in very few circumstances. Because of this development it is with much regret that we must announce that Total Benefit Solutions services will no longer be able to be offered at no additional cost to some customers.
In New Jersey, Health Republic and Oscar have left the market. Only Amerihealth and Horizon Blue Cross & Blue Shield will be offering plans in 2017. Again commissions to brokers have been almost entirely eliminated except in very few circumstances. Because of this development Total Benefit Solutions services will no longer be able to be offered at no additional cost to some New Jersey customers as well.
In general we will still be able to help the majority of our clients. We will know soon what the new plans, benefits and rates are but we do not have them yet. We are anticipating increases in premium in excess of 25%. We will post that information as soon as we have it available.
Now more than ever consumers need the services of a dedicated, impartial, insured, trained, certified and experienced professional. Shortly we will be introducing a fee schedule which we hope will be reasonable and provide significant value to our new and existing clients. Total Benefit Solutions is dedicated to providing that valuable service to all of our clients during the open enrollment period as well as year round. We work for YOUR Benefit, not your insurance carrier or a government agency.
Please note that this is specific to Individual, Non Medicare clients only and has no effect on our clients in employer group plans or Medicare insurance plans. Please feel free to contact us at (215)355-2121 if you have any questions or concerns.
They really know what they are doing
Riverside Physical Therapy
Joe Tomasetti, President Riverside Physical Therapy
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.
Highly recommend. They took the time even when it was the busiest time of year for health insurance. They explained the details patiently to help stream the process painlessly.
We are very happy with George's plan - do we need to do anything to renew? Thank you very much for all your help!! I am so glad I found you a couple of years ago!!!! 🙂
Ed and his team have been great with finding us the right health insurance plans at the right price. He is always available to answer questions and works with us to achieve our goals. -Adam F
Van Dyne Insurance
As a Property & Casulaty agent I am often asked to provide L-H-D products. I am confident when I refer my clients and associates to Ed for their Life, Health and Disability services that they will be treated with the same level of care I would offer them. Ed provides a menu of options that suit the clients preferences giving them a chance to choose which best suits them.
Ed now handles my company's health plan; Total Benefit Solutions, Inc. is top notch!
Donna Van Dyne, President VanDyne Insurance Agency
Uncle Bill’s Country Market
– Bill Smith, President
A.L. Verna & Company
We thought we had a good broker until we met Ed and the team. They helped us avoid making a mistake that would have cost us thousands more.
Thanks Ed!-Paul Verna, President
David Fiebert Inc
-David Fiebert, President
American Dream Financing
Brett Stern, Principal-American Dream Financing
Beth Sholom Congregation
Harvey Friedrich, Executive Director, Beth Sholom Congregation
Pete’s Clown House Luncheonette
Associated Printing & Graphics
" I called with a quick question about my health insurance coverage and your answer saved me over $2600 with one call. You were right. Thanks again for the great advice! "
Jeff G, President Nozak Enterprises, DBA Supercuts
Bucks County TMA
Cardinal International Grooving & Grinding
-Linda Organski, Director of Human Resources
Ed and his staff were very helpful in getting me through the open enrollment process and answered my mother's questions with her Medicare enrollment. Most companies are only a phone call away, if you call during normal business hours. Ed responded to my questions and was very helpful when I sent a message over the weekend. Amazing customer service! -Fibrenew Lower Bucks
over and above the call of duty
Ed, you and your team have done it once again. Thanks for taking the time to come onsite and meet with us and our staff to help us understand the new HRA benefit. As always you have gone above and beyond the call. Thank you!
Barry Gerber, President
Bonnie Greisler, President of The Men and Boy's Store
Grossman Public Relations
Through all my health insurance ups and downs through various degrees of employment, changes, marketplace changes, and medical needs, Ed and his team have kept me informed and sane through the constantly changing process. I honestly don’t know what I would do without them to call on when I am in an insurance panic! Even when they have no financial incentive, they are always there to help me!
David Zarrinnia, President
Very knowledgeable and experienced.
BKZ Contractors Inc.
Brian Zeldes, President BKZ Contractors Inc.
Stephanie Churchill, President
Greenwood Financial Services
-Bob Lankin, Branch Manager at Greenwood Financial Services of Raymond James Financial
Dr Franklin Strong
Thank you for you great assistance and explanations through this insurance maze for Nancy and I….click here to read the letter from Dr Strong
Prodigy Learning Center
Christine Viteo, R.N. Executive Director, Prodigy Learning Center Philadelphia.
Solomon Bread & Rolls/Kaplan’s Bakery
Dave Margolis, President Damar Communications:
Amy Murray Hyde, Account Representative, CBDI, Inc.
Igor Bogdanov, Principal, Webucast
David Caddick, President of Caddick Construction
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
The staff at Total Benefit Solutions are knowledgeable and helpful. They've been a great partner to help me navigate health insurance for my senior mother. Anytime I've had a question or concern, Ed has been there to consult with and offer advice.
I highly recommend them! -Deb H
Chris Handley, Account Executive Savoy & Associates (United Healthcare)
Sales Pros 4 Hire
Mike Hilbert, President, Sales Pros 4 Hire
Art 4 Business
Heather Gibson, COO, Art 4 Business Inc
Coburn Myers Fastening Systems
Ted Harp, Controller
Bob Flemming, President
Bucks County Center for Independent Living
Ginny Fiorintine, Exective Director
Christine Taylor: Self Employed
Perfect Move Inc
Bob Simons, Vice President of Perfect Move, Inc.
There aren’t enough words to describe how amazing Ed and Patty are. Not only are they wonderful people, they are amazing insurance agents.-MollyThomas