
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.
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.
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

Franklin S
Franklin S
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

Bruce McIntyre


CBDI, Inc

Amy Murray Hyde, Account Representative, CBDI, Inc.

Sign-A-Rama-Feasterville

Bob Flemming, President

Netstride Internet Solutions

Gregory Tarallo, President Netstride Internet Solutions

The Gannon Agency

Steve Gannon, President , The Gannon Agency

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

Associated Printing & Graphics


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 H
Amy H
Lou Grossman
Uncle Bill’s Country Market

– Bill Smith, President

Totally Zen

Stephanie Churchill, President

Brittany B
Brittany B
Greater Philadelphia Abstract

Susan Harrison, Principal, Greater Philadelphia Abstract Agency

Grossman Public Relations

Lou Grossman-President

Amy H

Amy H- Individual Client on the healthcare.gov marketplace

Pete’s Clown House Luncheonette

Ron Bordone-President


Joseph Pintimalli CPP
Presient
Simplifi Payroll & HR

Joseph P
Joseph P

-Tasha G

Tom & Geri’s World Travel

Tom Mellon, President

Webucast

Igor Bogdanov, Principal, Webucast

Ed and his staff have helped my husband and myself with our health insurance for years. Great people to work with and extremely knowledgeable about health insurance and Medicare supplements. - Kathleen B
Beth Sholom Congregation


Harvey Friedrich, Executive Director, Beth Sholom Congregation

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

Rachael Cappella

David M

Lisa K, President Angelmark Associates

Over the years Ed and his crew at Total Benefit Solutions 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 H.
Amy H
Amy H
David Fiebert Inc

-David Fiebert, President

Wolf Island Networks

John Rodia, President


"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.
Margaret F
Margaret F
RMS Services

Frank McCafferty, President

The MCG Group

Steve Young, Managing Partner

Media Components

Denis Sinelkov-President Media Components

J

Jennifer helped me figure out the best health insurance options and made the whole process easy and effortless. Thank you!
Orly
Orly
Bonnie Greisler


Bonnie Greisler, President of The Men and Boy's Store
Bonnie Greisler, President of The Men and Boy's Store
Stephen Forbus

Stephen Forbus



Jason
Jason W
Jason W
Greenwood Financial Services


-Bob Lankin, Branch Manager at Greenwood Financial Services of Raymond James Financial
Zola Makrauer DMD


Solomon Bread & Rolls/Kaplan’s Bakery

Jeff Solomon-President

They really know what they are doing

They really know what they are doing with Medicare health insurance and will take great care of you!
Carol W
Carol W
Carol W
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

John K
John K
Coburn Myers Fastening Systems

Ted Harp, Controller

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
Reita B
Reita B
Tristar Lighting

David Zarrinnia, President

Damar Communications

Dave Margolis, President Damar Communications:

Prodigy Learning Center

Christine Viteo, R.N. Executive Director, Prodigy Learning Center Philadelphia.

Total Child Care


Riverside Physical Therapy

Joe Tomasetti, President Riverside Physical Therapy

Shevlin Investments

Barry Shevlin, President



-Brenda M
Brenda M
Brenda M
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!
-Paige W.
LTW Gentec

Matt Deeter, President LTW Gentec

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!
-Bryan Perchick
-Bryan Perchick
Please call Total Benefit Solutions it's free and experienced health insurance people help you 215 355 2121 ask for Maureen!
Joyce C
Joyce C
Joyce C
Many thanks to Maureen at Total Benefit Solutions, Inc for her patience, professionalism and thoroughness--she made the somewhat scary process of getting a Medicare supplement for my husband and me so much easier and less stressful!
Renie C
Renie C
Renie C
Travel Authority
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
" 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

AquaReale


Bucks County TMA
Christine Taylor

I have been working with Ed and his team for a few years now and their level of professionalism as well as timeliness never fails, even when it is late into the night at times. Thank you all for making this process smooth & easy which would certainly not be the case on my own

Christine Taylor: Self Employed
Christine Taylor: Self Employed
Dee K
Ace Childcare

David Ozeroff, President Ace Childcare Inc.

American Dream Financing

Brett Stern, Principal-American Dream Financing

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
Fibrenew
Fibrenew
Helped our family with all the switching around, so we where never without health insurance benefits or lacked in care.
Molly K
Molly K
Excel Capital Funding

Ricky Boone, President-Excel Capital Funding LLC

Art 4 Business

Heather Gibson, COO, Art 4 Business Inc

Bucks County Women’s Healthcare


Travel Wizards

Arlene Blosch, President

Chris Handley

Chris Handley, Account Executive Savoy & Associates (United Healthcare)

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
Deb H
Deb H
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

Adam F
Adam F
Cardinal International Grooving & Grinding

-Linda Organski, Director of Human Resources

BKZ Contractors Inc.

Brian Zeldes, President BKZ Contractors Inc.

Bucks County Center for Independent Living

Ginny Fiorintine, Exective Director

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.
Ariel M
Ariel M
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 M President (CGM Systems)
Chris M
Chris M
Caddick Construction

David Caddick, President of Caddick Construction

S&S Sign Company

Gina Seibel, Vice President S&S Signs


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.
-Gina D
Gina D
Gina D
Sales Pros 4 Hire

Mike Hilbert, President, Sales Pros 4 Hire

Terry Farber

-Terry Farber, Elder Law Attorney

Perfect Move Inc

Bob Simons, Vice President of Perfect Move, Inc.

Kris Kreisher
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!!!! 🙂 
-Kris Kreisher
Superior Commercial Kitchens

Frank Livolsi, President-Superior Commercial Kitchens

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