20167-aca-oe2017 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.

Click here to find out about our year long access plans.
Click here for the IBC 2017 Open Enrollment page

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.

LTW Gentec

lquoteYour team and your approach to service are the best! Thank you for helping us every year with our benefit programs!-

Matt Deeter, President LTW GentecRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-25T18:26:29-05:00
Your team and your approach to service are the best! Thank you for helping us every year with our benefit programs!- Matt Deeter, President LTW Gentec

Cardinal International Grooving & Grinding

lquoteYou and your staff have been nothing short of terrific in handling our medical insurance coverage, changes and renewals.

-Linda Organski, Director of Human ResourcesRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:59:36-05:00
You and your staff have been nothing short of terrific in handling our medical insurance coverage, changes and renewals. -Linda Organski, Director of Human Resources

S&S Sign Company

lquoteI just received a refund check today from Aetna for our Hailey’s emergency claim. Thank you and your staff for all your help in getting this matter resolved, otherwise I may have just given up!

Gina Seibel, Vice President S&S Signs Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:26:57-05:00
I just received a refund check today from Aetna for our Hailey’s emergency claim. Thank you and your staff for all your help in getting this matter resolved, otherwise I may have just given up! Gina Seibel, Vice President S&S Signs

Travel Wizards

lquoteEven though I have met many insurance brokers over the years, I’ve found Ed MacConnell and his staff at (Total Benefit Solutions Inc.) to be the best. Thoughtful, informative and professional. They reduced my premiums significantly while at the same time getting me a better benefit. Thanks Ed!

Arlene Blosch, PresidentRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:41:26-05:00
Even though I have met many insurance brokers over the years, I’ve found Ed MacConnell and his staff at (Total Benefit Solutions Inc.) to be the best. Thoughtful, informative and professional. They reduced my premiums significantly while at the same time getting me a better benefit. Thanks Ed! Arlene Blosch, President

Superior Commercial Kitchens

lquote“I have never had a better benefits broker in 45 years of business. Ed has saved my company,tens of thousands of dollars per year and continues to earn every dollar every year, always placing the client before the commission. His office staff is helpful whenever a benefit question or problem arises. I would not even think twice about hiring Total Benefit Solutions Inc. for handling company benefits.”

Frank Livolsi, President-Superior Commercial Kitchens 

Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-24T20:41:29-05:00
I would not even think twice about hiring Total Benefit Solutions Inc

Uncle Bill’s Country Market

lquoteComing from a lifetime of employment I had no idea what was involved in setting up our new business, or our new insurance plans. Ed took the time to help us understand and make a choice. He even helped me get the business set up with referrals to valuable resources. Thanks Ed!

– Bill Smith, PresidentRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:39:44-05:00
Coming from a lifetime of employment I had no idea what was involved in setting up our new business, or our new insurance plans. Ed took the time to help us understand and make a choice. He even helped me get the business set up with referrals to valuable resources. Thanks Ed! – Bill Smith, President

Dr Franklin Strong

lquote-grn

Thank you for you great assistance and explanations through this insurance maze for Nancy and I….click here to read the letter from Dr StrongRquote-grn
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:53:00-05:00
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

Bryan Perchick

lquoteAs a commercial realtor I spend 90% of my time on the road and do not find myself at a desk very often. Having Total Benefit Solutions, Inc. as my broker makes the task simple, fast and to the point. And I never waste time on hold with the insurance company any longer. Thanks again Ed and Total Benefit Solutions Inc!  Rquote

-Bryan Perchick

Total Benefit Solutions Inc Health Insurance and Benefits
4
2015-01-26T10:07:47-05:00

-Bryan Perchick

As a commercial realtor I spend 90% of my time on the road and do not find myself at a desk very often. Having Total Benefit Solutions, Inc. as my broker makes the task simple, fast and to the point. And I never waste time on hold with the insurance company any longer. Thanks again Ed and Total Benefit Solutions Inc!  

Stephen Forbus

lquoteEd, thanks for helping me solve the ACA puzzle. After multiple problems with the site and with the operators, you got me a bigger savings than I was able to get on my own, and saved me over $2,250! Thank you!

Stephen ForbusRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:23:16-05:00
Ed, thanks for helping me solve the ACA puzzle. After multiple problems with the site and with the operators, you got me a bigger savings than I was able to get on my own, and saved me over $2,250! Thank you! Stephen Forbus

Bucks County Women’s Healthcare

lquoteOur ten employee medical practice had a large well known insurance broker for years. We always assumed we were receiving the best service. Total Benefit Solutions Inc. came in and left no stone unturned in their evaluation. The savings they provided was equal to 50% of what we were previously paying. In addition we wound up with better medical and dental plans and an overall enhanced benefit program. We couldn’t be more thrilled with the services of Total Benefit Solutions, Inc. Thanks Ed!”

-Carmela Gabrieli Controller, Bucks County Women's HealthcareRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-24T20:23:05-05:00
Total Benefit Solutions Inc. came in and left no stone unturned in their evaluation

Beth Sholom Congregation

lquote"Ed takes the time each year to review our current plans, our goals for the future evaluate our options and explain all of the choices thoroughly.

Rquote

Harvey Friedrich, Executive Director, Beth Sholom Congregation 

 
Total Benefit Solutions Inc Health Insurance and Benefits
5
2015-01-26T10:04:53-05:00
"Ed takes the time each year to review our current plans, our goals for the future evaluate our options and explain all of the choices thoroughly. Harvey Friedrich, Executive Director, Beth Sholom Congregation   

Grossman Public Relations

lquoteAs the principal in a small firm, nothing can drain me of productive time then handling our insurance renewal each year. But since 2002 we have worked closely with the (Total Benefit Solutions Inc.) who have brought a dedication to the task I had not previously seen. In fact, because of following your advice, I was able to get the top notch specialty medical care I required, where I wanted it and when I needed it most. I can’t thank you enough!

Lou Grossman-PresidentRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:49:33-05:00
As the principal in a small firm, nothing can drain me of productive time then handling our insurance renewal each year. But since 2002 we have worked closely with the (Total Benefit Solutions Inc.) who have brought a dedication to the task I had not previously seen. In fact, because of following your advice, I was able to get the top notch specialty medical care I required, where I wanted it and when I needed it most. I can’t thank you enough! Lou Grossman-President

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

Total Benefit Solutions Inc Health Insurance and Benefits
2019-01-07T13:08:47-05:00
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

Shevlin Investments

lquoteEd and my account manager make me feel like their biggest, most important client each time I call. You can’t ask for more than that!

Barry Shevlin, President Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:34:11-05:00
Ed and my account manager make me feel like their biggest, most important client each time I call. You can’t ask for more than that! Barry Shevlin, President

Netstride Internet Solutions

lquoteThe daunting landscape of health insurance is difficult for any business owner or individual to navigate. Ed and his team make the process really easy. We’ve been with Total Benefit Solutions Inc. for many years, and we recently decided to switch our plans. Both Ed and Amber spent time walking us through the various options, including the pros and cons of each plan and answered countless questions. Their patient guidance allowed us to pick a plan that we feel best meets the needs of our business and employees.

Gregory Tarallo, President  Netstride Internet SolutionsRquote

 

Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-25T18:31:43-05:00

 

Their patient guidance allowed us to pick a plan that we feel best meets the needs of our business and employees.

The Gannon Agency

lquote“Thanks again for the top notch service that you have provided to my office and to my customers that I have referred to you. Total Benefit Solutions is the best!”.

Steve Gannon, President , The Gannon Agency Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-24T20:54:15-05:00
"Total Benefit Solutions is the best

Ace Childcare

lquote“Ed is not only knowledgable about what he does, he educates his clients along the way.When starting my first company Ed was there from beginning to end. Ed is a valued business associate and friend. When you hire Ed he becomes your partner every step of the way!”

David Ozeroff, President Ace Childcare Inc.Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-24T20:21:15-05:00
Ed is not only knowledgable about what he does, he educates his clients along the way

Terry Farber

lquoteI have relied on the expertise of Ed MacConnell and his staff for assistance in choosing the best health care plans for me and my husband for the past several years. I highly recommend Total Benefit Solutions, Inc., for your health care planning needs.

-Terry Farber, Elder Law AttorneyRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2016-07-14T18:19:34-04:00
I have relied on the expertise of Ed MacConnell and his staff for assistance in choosing the best health care plans for me and my husband for the past several years. I highly recommend Total Benefit Solutions, Inc., for your health care planning needs. -Terry Farber, Elder Law Attorney


Highly recommend. They took the time even when it was the busiest time of year for healthcare. They explained the details patiently to help stream the process painlessly.


-Gina DeSumma

Total Benefit Solutions Inc Health Insurance and Benefits
5
2019-01-07T11:44:48-05:00
Highly recommend. They took the time even when it was the busiest time of year for healthcare. They explained the details patiently to help stream the process painlessly. -Gina DeSumma

Travel Authority

lquoteEd, 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, PresidentRquote

Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:40:34-05:00
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

J



Jennifer helped me figure out the best options and made the whole process easy and effortless. Thank you!


-Orly Z

Total Benefit Solutions Inc Health Insurance and Benefits
2019-01-07T13:11:24-05:00
J Jennifer helped me figure out the best options and made the whole process easy and effortless. Thank you! -Orly Z

Paige Wolf Testimonial Dec 2018

Through all my 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! 


-Paige Wolf

Total Benefit Solutions Inc Health Insurance and Benefits
5
2019-01-07T12:00:37-05:00
Through all my 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!  -Paige Wolf

Perfect Move Inc

lquoteAmber and the team  have been nothing short of amazing. Each year they take the time to explain changes in my benefits and rates, and when I call with a question, I usually get an immediate answer.

Bob Simons, Vice President of Perfect Move, Inc.Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-25T18:37:43-05:00
Amber and the team  have been nothing short of amazing. Each year they take the time to explain changes in my benefits and rates, and when I call with a question, I usually get an immediate answer. Bob Simons, Vice President of Perfect Move, Inc.

Rachael Cappella

lquote-grn


Ed MacConnell was extremely patient and helpful when assisting me in choosing the health insurance that was right for me.... He was very knowledgeable about different options and took time to answer all my questions. Total Benefit Solutions is definitely the place to call for your health insurance needs.Rquote-grn

 
Total Benefit Solutions Inc Health Insurance and Benefits
5
2016-02-06T12:38:58-05:00
Total Benefit Solutions is definitely the place to call for your health insurance needs.

AquaReale

lquoteEd and his team promised us great service and they have delivered. Ed takes the time to answer every question one might have and makes sure we are getting the most for our money. I would highly recommend Total Benefit Solutions Inc. to any small business looking for the best health insurance plan they can get. -Laura Reale, AquaReale IncRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T10:06:28-05:00
Ed and his team promised us great service and they have delivered. Ed takes the time to answer every question one might have and makes sure we are getting the most for our money. I would highly recommend Total Benefit Solutions Inc. to any small business looking for the best health insurance plan they can get. -Laura Reale, AquaReale Inc

Nozak Enterprises

lquote" 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 Gross, President Nozak Enterprises, DBA Supercuts

Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-25T18:33:50-05:00
" 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 Gross, President Nozak Enterprises, DBA Supercuts

Riverside Physical Therapy

lquoteI strongly recommend the team at Total Benefit Solutions Inc. for handling your health insurance and benefits. I’d never switch!

Joe Tomasetti, President Riverside Physical Therapy Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:43:27-05:00
I strongly recommend the team at Total Benefit Solutions Inc. for handling your health insurance and benefits. I’d never switch! Joe Tomasetti, President Riverside Physical Therapy


Ed and his team at Total Benefit Solutions have really helped me through a difficult time with health insurance. Thanks to them, I have short term health insurance to hold me over until my job search is successful.
-Chris Mendla (CGM Systems)

Total Benefit Solutions Inc Health Insurance and Benefits
2018-05-29T09:37:36-04:00
Ed and his team at Total Benefit Solutions have really helped me through a difficult time with health insurance. Thanks to them, I have short term health insurance to hold me over until my job search is successful. -Chris Mendla (CGM Systems)

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!

Ariel Muller

Total Benefit Solutions Inc Health Insurance and Benefits
2017-12-31T09:21:57-05:00

Ariel Muller

I am so grateful for the amazing service!




"Kim went above and beyond in helping find a new individual medical insurance plan for me. We met in person to go over all the questions I had about the different types of plans and how they worked. I felt really taken care of."


-Margaret F.



Total Benefit Solutions Inc Health Insurance and Benefits
2018-07-31T12:50:58-04:00
"Kim went above and beyond in helping find a new individual medical insurance plan for me. We met in person to go over all the questions I had about the different types of plans and how they worked. I felt really taken care of." -Margaret F.

Chris Handley

lquoteI work with dozens of insurance brokers in Southeastern Pennsylvania. Personally, I have never met a health insurance broker who cares more about his clients. Ed is always looking for innovative ways to provide his clients the highest quality coverage, and at prices that are affordable. Ed is one of the few people that I would trust to provide my own family with insurance.

Chris Handley, Account Executive  Savoy & Associates (United Healthcare)Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-02-02T21:00:40-05:00
I work with dozens of insurance brokers in Southeastern Pennsylvania. Personally, I have never met a health insurance broker who cares more about his clients. Ed is always looking for innovative ways to provide his clients the highest quality coverage, and at prices that are affordable. Ed is one of the few people that I would trust to provide my own family with insurance. Chris Handley, Account Executive  Savoy & Associates (United Healthcare)


I've been getting my health insurance through Ed at Total Benefit Solutions and his team for the past few years. It has always been a great experience. I had the pleasure of speaking to Jennifer this evening to renew my coverage. I'm very appreciative of her advice and help. She made it very easy. -Reita B

Total Benefit Solutions Inc Health Insurance and Benefits
2018-05-29T09:45:52-04:00
I've been getting my health insurance through Ed at Total Benefit Solutions and his team for the past few years. It has always been a great experience. I had the pleasure of speaking to Jennifer this evening to renew my coverage. I'm very appreciative of her advice and help. She made it very easy. -Reita B

Tristar Lighting

lquoteYour service and responsiveness is incredible. I’ve never had a better insurance broker!

David Zarrinnia, President Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:38:35-05:00
Your service and responsiveness is incredible. I’ve never had a better insurance broker! David Zarrinnia, President

over and above the call of duty



 

Over the years Ed and his crew have gone over and above the call of duty to assist me with my health insurance needs. They have perfect amount of patience needed to help healthcare novices like me. I highly recommend Total Benefits. Don’t delay! Call today!

Amy Huber, client

Total Benefit Solutions Inc Health Insurance and Benefits
2017-12-31T09:14:39-05:00

Amy Huber, client

over and above the call of duty

Solomon Bread & Rolls/Kaplan’s Bakery

lquoteI have been using Ed MacConnell & EMA Group Inc  (Total Benefit Solutions Inc.) as my insurance brokers for over 20 years. I would never think of going anywhere else!

Jeff Solomon-PresidentRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:35:50-05:00
I have been using Ed MacConnell & EMA Group Inc  (Total Benefit Solutions Inc.) as my insurance brokers for over 20 years. I would never think of going anywhere else! Jeff Solomon-President

They really know what they are doing



 

They really know what they are doing and will take great care of you! 

Carol Woytus, Vacation Magic Travel

Total Benefit Solutions Inc Health Insurance and Benefits
2017-12-31T09:11:31-05:00

Carol Woytus, Vacation Magic Travel

They really know what they are doing and will take great care of you!

Total Child Care

lquoteI'm writing to apologize and to express my dismay and regret for switching from your firm last year. What a gargantuan mistake that was! To recount the horrors of dealing with the firm we switched to would only cause me to relive them, something I'm not willing to do (at this point). What do I have to do to get back with you guys?

Pete Altman, CEORquote

Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-24T21:15:08-05:00
I'm writing to apologize and to express my dismay and regret for switching from your firm last year. What a gargantuan mistake that was! To recount the horrors of dealing with the firm we switched to would only cause me to relive them, something I'm not willing to do (at this point). What do I have to do to get back with you guys? Pete Altman, CEO

Webucast

lquoteEd is always quick to return a phone call. His company provides great service and has saved me thousands of dollars throughout the years. Thanks Ed!

Igor Bogdanov, Principal, WebucastRquote
Total Benefit Solutions Inc Health Insurance and Benefits
4
2015-02-02T21:00:50-05:00
Ed is always quick to return a phone call. His company provides great service and has saved me thousands of dollars throughout the years. Thanks Ed! Igor Bogdanov, Principal, Webucast

Amy H

lquoteIf you two were in front of me I’d hug you right now.  Now I have more money in my checking account than I thought!  AWESOME!

Amy H- Individual Client on the healthcare.gov marketplaceRquote

 

 
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-24T20:32:14-05:00
"If you guys were here I'd hug you!"

Tom & Geri’s World Travel

lquoteEven though I have a very small company (Total Benefit Solutions Inc.) takes the time each year to review everything and help me make a decision that benefits our firm.

Tom Mellon, PresidentRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:41:58-05:00
Even though I have a very small company (Total Benefit Solutions Inc.) takes the time each year to review everything and help me make a decision that benefits our firm. Tom Mellon, President

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


Total Benefit Solutions Inc Health Insurance and Benefits
5
2019-01-07T12:09:49-05:00
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


Ed and his staff have helped my husband and myself with our insurance for years. Great people to work with and extremely knowledgeable. - Kathleen Broderick


Total Benefit Solutions Inc Health Insurance and Benefits
5
2019-01-07T11:57:50-05:00
Ed and his staff have helped my husband and myself with our insurance for years. Great people to work with and extremely knowledgeable. - Kathleen Broderick

Associated Printing & Graphics

lquoteEd is our medical benefits insurance agent. Ed and his staff have provided terrific service and cost effective options year after year. He really cares about providing the best coverage for his clientele. I highly recommend the Total Benefit Solutions, Inc. for all your group medical insurance needs! Don Rubin-President of Associated Printing & Graphics Rquote