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.
Chris Handley, Account Executive Savoy & Associates (United Healthcare)
Uncle Bill’s Country Market
– Bill Smith, President
Zola Makrauer DMD
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!
Greenwood Financial Services
-Bob Lankin, Branch Manager at Greenwood Financial Services of Raymond James Financial
Denis Sinelkov-President Media Components
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.
Excel Capital Funding
Ricky Boone, President-Excel Capital Funding LLC
Igor Bogdanov, Principal, Webucast
David Caddick, President of Caddick Construction
BKZ Contractors Inc.
Brian Zeldes, President BKZ Contractors Inc.
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 Zarrinnia, President
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!!!! 🙂
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.
Pete’s Clown House Luncheonette
Coburn Myers Fastening Systems
Ted Harp, Controller
Greater Philadelphia Abstract
Susan Harrison, Principal, Greater Philadelphia Abstract Agency
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!
Christine Taylor: Self Employed
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
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
Dave Margolis, President Damar Communications:
The MCG Group
Steve Young, Managing Partner
Matt Deeter, President LTW Gentec
Cardinal International Grooving & Grinding
-Linda Organski, Director of Human Resources
Sales Pros 4 Hire
Mike Hilbert, President, Sales Pros 4 Hire
David Fiebert Inc
-David Fiebert, President
Bob Flemming, President
Solomon Bread & Rolls/Kaplan’s Bakery
S&S Sign Company
Gina Seibel, Vice President S&S Signs
Total Child Care
Bonnie Greisler, President of The Men and Boy's Store
Lisa Kruse, President Angelmark Associates
The Gannon Agency
Steve Gannon, President , The Gannon Agency
Extremely helpful professionals. Very fast in responding and taking the time to answer all of our questions when our small company decided to offer a new health benefits plan. Highly recommended for companies struggling with health insurance costs and trying to figure everything out. They made it easy to understand, choose and get up and running. -Craven Moore