Your Medicare ANOC Has Arrived. Now What?

Lily Dalton

Your Medicare ANOC Has Arrived. Now What? Each fall, Medicare Advantage and Part D prescription drug plan members receive an important document called the Annual Notice of Change (ANOC). This notice outlines any changes your plan is making for the upcoming year, including updates to premiums, copays, deductibles, prescription drug coverage, provider networks, and extra benefits. These changes take effect on January 1, making the ANOC one of the most important pieces of mail Medicare beneficiaries receive each year. Many people assume that if they’re happy with their current plan, no action is needed. Unfortunately, plans can change significantly from year to year. A medication that was covered this year… Read More

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Member of American Association of Medicare Supplements

Total Benefit Solutions is Now an Official Member of the American Association for Medicare Supplement Insurance

Lily Dalton

We’re proud to announce that Total Benefit Solutions is now an official member of the American Association for Medicare Supplement Insurance (AAMSI)! AAMSI is a nationally recognized organization dedicated to supporting professionals who specialize in Medicare and Medicare Supplement insurance. Their mission is to promote education, ethical standards, and consumer awareness within the Medicare industry. Becoming a member of AAMSI reflects our ongoing commitment to providing trusted guidance, reliable information, and personalized support to every client we serve. As part of this respected organization, Total Benefit Solutions gains access to valuable industry resources, continued education, and up-to-date Medicare insights — helping us better serve our clients with confidence and care.… Read More

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A new Special Enrollment Period has been created allowing select beneficiaries in Pennsylvania to shop for coverage until April 30

Lily Dalton

A new Special Enrollment Period (SEP) has been opened for certain Pennsylvania UnitedHealthcare Medicare Advantage beneficiaries, allowing them to shop for new coverage through April 30 due to a contract dispute with Lehigh Valley Health Network that eliminated in-network access for affected members as of January 26, 2026. This SEP is separate from the standard Medicare Advantage Open Enrollment Period, which ends March 31. Last week, the Shapiro Administration announced an SEP for UnitedHealthcare Medicare Advantage beneficiaries using Lehigh Valley Health Network Providers. This SEP is a result of contract disputes between Lehigh Valley Health Network and UnitedHealthcare. As of January 26, 2026, over 5,400 UnitedHealthcare Medicare Advantage members lost in-network access… Read More

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Total Benefit Solutions #healthinsurance, #healthinsuranceNJ, #horizonbluecross, #IndividualMandate #healthinsurance, #medical #medicare #medicalplans #Medicaid #healplans #totalbenefitsolutions #employee benefits #healthinsurance, #aca, #aca, #obamacarealternatives, #cobra, #pennie, #getcoveredNJ, #medicareadvantage, #medicaresupplements, #totalbenefits #independence #bluecross, #aetna, #unitedhealthcare, #amerihealth, #nippon, #unitedconcordia, #horizon, #AmericanHealthInsurance, #aflac, #aetna, #ICHRA, #HRA, #healthreimbursement, #buckscounty, #healthinsurancenearme, #healthinusrancebuckscounty, #healthinsurancebuckscounty, #healthinsurancenearby, #healthonsurancephiladelphia, #healthinsuranceinPA, #healthinsuranceNJ, #PENNIE, #PENNIEHEALTHINSURANCE, #cobraalternatives, #turning26, #turning65, #adultinghealthinsurance, #healthinsurancenearme, #healthinsurancenearby, #healthinsurancefeasterville, #healthinsurancephilly, #bluecardppo, #minimumessentialplans, #minimumvalueplans, #shorttermhealthplan, #bluecross

HRAs Growing for Small Businesses

Lily Dalton

Health Reimbursement Arrangements (HRAs) are becoming an increasingly popular option for small businesses looking to provide affordable healthcare benefits. These employer-funded accounts allow companies to contribute tax-free dollars that employees can use to cover qualified medical expenses or purchase individual health insurance. There are several types of HRAs available, including the General HRA, which works alongside group insurance to cover out-of-pocket costs like co-pays, dental, and vision; the Individual Coverage HRA (ICHRA), which reimburses employees for insurance they purchase on their own; and the Qualified Small Employer HRA (QSEHRA), designed specifically for businesses with fewer than 50 employees that do not offer group plans. One of the main advantages of… Read More

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