Between jobs? Aging out of a family policy? Waiting for Open Enrollment?

A Short Term Medical plan might be right for you. Short Term Medical plans let you decide how much coverage you want and for how long, with individual and family options available. And you can enjoy quality of life benefits like telemedicine and discounts on a variety of everyday items and services through an Association membership (varies by state). Short Term Medical plans offer plenty of flexibility: Questions about a short term medical plan? Contact your Total Benefit Solutions, Inc health insurance specialist at (215)355-2121. Important information about these plans THESE PLANS PROVIDE LIMITED BENEFITS For complete limitations & exclusions by state for Short Term Medical insurance, click here. Plan… Read More

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What is the Medicare Advantage Open Enrollment Period (OEP) and why is it important?

The Medicare Advantage Open Enrollment Period (OEP) is different than the annual election period in the fall. The MA OEP happens annually from January 1st to March 31st. The OEP allows beneficiaries who are enrolled in a Medicare Advantage Plan to make a one-time change. Beneficiaries can use the Medicare OEP to: The Medicare OEP does not allow a beneficiary to change from one Part D plan to another Part D plan. The reason for the OEP is that Medicare beneficiaries are often confused about Medicare Advantage plans. They don’t understand how these plans work or they may not realize the plan has a network. Some Medicare beneficiaries try to make their… Read More

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Independence: New drugs added to precertification list for 2023

Effective January 1, 2023, from Independence Blue Cross: (Independence) IBC will add 12 drugs to the list of specialty drugs that require precertification under the medical benefit. With these additions, Independence now requires precertification for a total of 271 drugs before members can receive coverage for them. The drugs being added include several gene replacement therapies and cancer/antineoplastic agents in the U.S. Food and Drug Administration (FDA) pipeline, as well as several biosimilars that recently received FDA approval. The newly added drugs are: beremagene geperpavec* – gene replacement/gene editing therapiesCimerliTM (ranibizumab‑eqrn) – ophthalmic agentsElahereTM (mirvetuximab soravtansine) – antineoplastic agentsFylnetra® (pegfilgrastim‑pbbk)† – neutropeniaHemgenix® (etranacogene dezaparvovec) – gene replacement/gene editing therapies mosunetuzumab* – antineoplastic agents Skysona® (elivaldogene autotemcel) – gene replacement/gene editing therapiesStimufend® (pegfilgrastim‑fpgk)† – neutropeniatofersen* – amyotrophic lateral sclerosis agents tremelimumab* – antineoplastic agentsVegzelma® (bevacizumab‑adcd)† – antineoplastic agentsZynteglo® (betibeglogene autotemcel) – gene replacement/gene editing therapies We often add drugs… Read More

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What is Medicare Advantage??

What is Medicare Advantage> Watch this 3 minute video for a great explanation and then call Total Benefit Solutions, Inc at (215)355-2121 if you have any additional questions or concerns!

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Did you know that Total Benefit Solutions, Inc does Travel Health Insurance?

A record number of Americans traveled abroad in 2016 for leisure, business, study abroad and missionary work- to the tune of 67 million. Given recent epidemics, natural disasters and security threats around the world- coupled with your run-of-the-mill medical issues- travelers have more reason than ever to ensure their health and safety are fully insured prior to embarking on their trips. Americans are dedicating more and more time to preparing for their trips and researching the coverage options available to them, and with good reason. What Will a Good Travel Medical Policy Do for You? Travel medical insurance policies are designed to pick up where your primary domestic health plan… Read More

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What is the difference between Medicare Supplement and Advantage Plans?

Your independent professionals at Total Benefit Solutions, Inc are prepared to walk you through the process and answer all of your questions! Call us today at (215)355-2121

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Oscar no longer accepting new members in Florida

Today, Oscar announced that it is no longer accepting new membership in the state of Florida, beginning December 13 at midnight. We’re committed to building a great business that continues to provide innovative, affordable coverage for many years to come. To do that, we need to grow responsibly so that we can ensure our members receive the same level of care and service that we hold ourselves accountable for providing

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What is HIPP and can it help my company or our employees?

​Health Insurance Premium Payment (HIPP) Program The Health Insurance Premium Payment (HIPP) Program is a program developed to help Pennsylvania families, who have at least one person enrolled in Medical Assistance (MA), pay for private health insurance through an employer. HIPP is administered by Pennsylvania’s Department of Human Services (DHS). It was designed as a cost containment program in order to save taxpayers money by purchasing cost effective employment related health insurance available to a Medical Assistance recipient. Read more by clicking here As always if you have any additional questions please contact your group health insurance specialist at Total Benefit Solutions , Inc (215)355-2121.

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Health Partners Medicare has added all Dedicated Senior Medical Center locations

Health Partners Medicare has added all Dedicated Senior Medical Center locations to its provider network. Dedicated Senior Medical Center is a family-owned primary and specialty care practice committed to delivering superior healthcare to Medicare-eligible seniors. The agreement allows our members to visit any of the five Dedicated locations in Philadelphia. Health Partners Medicare is committed to strengthening our provider network throughout Pennsylvania and New Jersey. As always contact your Total Benefit Solutions Inc health insurance specialists at (215)355-2121 if you have any further questions or concerns.

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Get connected with the IBX Smartphone App

Download the free IBX app for your iPhone or Android to help you make the most of your Independence Blue Cross health plan. With new and improved features, the IBX app gives you easy access to your health care coverage 24/7, wherever you are. As always contact your Total Benefit Solutions, Inc health insurance professionals if you have any questions about this bulletin. Click here to read more.

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Get assistance with your PENNIE health insurance account

Already on the health insurance Marketplace and need some help? Assigning Total Benefit Solutions, Inc is easy! Download the document and follow the steps. We will get notified and start helping you right away! Need more direction? Give us a call (215)355-2121 

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New Jersey State Temporary Disability Rates Released

2023 Contribution Rates Released The Maximum Employee Contribution Rate, Employee and Employer Taxable Wage Base Officially announced on October 21th, 2022, by the NJ Department of Labor and Workforce Development. The 2023 DisabilityEmployEE Contribution Rate has been withdrawn and will be set at 0%; The 2023 Disability EmployEE Taxable Wage Base for will be $156.800 The 2023 Disability EmployEE Maximum Contribution will be $0.00 or Zero for this year. The 2023 Disability EmployER Maximum Taxable Wage Base Is $41,100. The 2023 Family Leave Insurance EmployEE Contribution rate will be .06% of the taxable wage base Contributions and Wages – January 1st, 2023 Taxable Wage & Rates EmployER EmployEE Annualized Wage… Read More

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Pennie’s Open Enrollment Period for 2023 Coverage is Around the Corner  

 Pennie’s Open Enrollment Period for 2023 Coverage is Around the Corner: Pennie’s Open Enrollment Period will run from November 1, 2022, to January 15, 2023.  As a reminder, existing Pennie customers will be receiving auto-renewal notices this week with information on their 2023 plans.  Great news! Thanks to the Inflation Reduction Act, enhanced savings continue to be available for Pennie customers and those enrolling in coverage through Pennie! As always if you have any questions or concerns please contact your Pennie health insurance experts at Total Benefit Solutions Inc (215)355-2121  

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CIGNA Supplemental Benefits Now Available Online

CIGNA’s Medicare supplements and dental/vision plans are available to quote and enroll online for your convenience! Just click the link below to get your quotes and as always contact your Total Benefit Solutions, Inc health insurance specialists at (215)355-2121 if you have any questions or concerns! Click here

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Why Use Medicareful to Find Your Plan?

Medicare insurance can seem complex on your own. We’re here to help! Medicareful is an easy-to-use Medicare plan finder that compares some of the available plans in your area and connects you with a licensed sales agent who will guide you through enrollment. Whether it’s a Medicare Supplement, Medicare Advantage Part C Plan, or a Medicare Part D drug plan, we’ve got you covered. https://medicareful.com/totalbenefitsolutions

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Independence: What are Preventative Plus Providers?

Preventive Plus Preventive Plus providers are participating freestanding ambulatory surgical centers (ASC) and a select group of gastroenterologists and colorectal surgeons who perform preventative colonoscopy for colorectal cancer screenings at a freestanding ASC. For certain plans, the Member’s cost-share for this service will be $0 when performed by Preventive Plus providers. Please refer to your benefits booklet or contract to determine if your plan includes the Preventive Plus benefit. For updated or more detailed information regarding Preventive Plus providers, visit our website at ibx.com/provider finder, or call Customer Service at 1-800-ASK-BLUE (1-800-275-2583), Monday through Friday, 8 a.m. to 6 p.m. ET For further questions or concerns please contact your Total… Read More

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Did you know about Humana’s Neighborhood Centers?

Humana Neighborhood Centers give participants a safe, friendly place to enjoy personalized health and wellness programming, connect with peers and get compassionate customer service from our world-class support team. Whether they’re visiting one of our in-person centers or taking part in our virtual offerings, members can always expect a warm, welcoming experience that provides whole human care.  Watch the video below and contact your Total Benefit Solutions, Inc health insurance and supplememnt specialists for more information at (215)355-2121. Click here for more about Humana Neighborhood Centers

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Get ready for the Medicare Annual Enrollment Period with our centralized guide to AEP.

Every year, the AEP is your opportunity to enroll in or switch to a Medicare plan that fits your ever evolving health care needs. This special enrollment window only runs October 15 to December 7, so it’s important to be prepared to accomplish anything you’d like to during that time. If reviewing or changing your coverage seems a little daunting with all the different plans and benefits on the market and decisions to make, don’t worry! You don’t have to go it alone. Get Your Guide to the Medicare Annual Enrollment Period and Get ready for the Medicare Annual Enrollment Period with our centralized guide to AEP. Click here to… Read More

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Does an MSA Health Insurance Plan (Medical Savings Account) cover prescription drugs?

Does an MSA health insurance plan cover drugs? No. You A Medicare MSA Plan cannot cover prescription drugs. To cover prescription drugs when you have an MSA you must enroll in a separate policy with prescription drug coverage. You can also join a Medicare Prescription Drug Plan to help with your drug costs. As always please ask your Total Benefit Solutions, Inc health insurance expert about your Medicare prescription drug plan options at (215)355-2121 or you can shop and compare online by clicking here.

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Total Benefit Solutions, Inc appoints with Lasso Medicare Medical Savings Accounts Plans for 2022-2023 Open Enrollment Season

What is a Medicare Medical Savings Account (MSA) Plan? – A Medicare Medical Savings Account (MSA) plan is a type of Medicare Advantage plan that combines a high-deductible health plan with a medical savings account. Enrollees of Medicare MSA plans can initially use their savings account to help pay for health care, and then will have coverage through a high-deductible insurance plan once they reach their deductible. Medicare MSA plans can provide Medicare beneficiaries with more control over health care utilization, while still providing coverage against catastrophic health care expenses. Ask your Total Benefit Solutions, Inc. Medicare health insurance specialist of a Medicare Medical Savings Account could be worth considering… Read More

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