COBRA – Total Benefit Solutions Inc

Can consumers who qualify for COBRA continuation coverage opt out of it and get coverage through the Marketplace instead?

September 27, 2022September 1, 2022Cayla Widdop

Consumers who qualify for COBRA coverage can opt out of it and enroll in Marketplace coverage. However, voluntarily terminating COBRA continuation coverage does not make a consumer eligible for a Special Enrollment Period (SEP) based on loss of the COBRA continuation coverage. Note that all qualified enrollees eligible for COBRA continuation coverage can get the Marketplace subsidy, not just the employee who qualifies for the COBRA benefit, as long as they are not actually enrolled in the COBRA continuation coverage. Please contact your trusted Total Benefit Solutions health insurance specialists with any questions or concerns at (215)355-2121.

Understanding the Coding of Health Plans from MEC to Metallic

August 15, 2022July 22, 2022Ed MacConnell

Choosing the right insurance plan for you (and your family) is not an easy task. The Affordable Care Act (ACA) has introduced major changes to the way carriers traditionally marketed their health plans to the public and introduced a volume of new terms, requirements and complexities, many of which may sound confusing to the general public. From terms like “minimum essential coverage” to the various metallic plan categories of Bronze, Silver, Gold and Platinum, a solid foundation of knowledge is essential in order to find the coverage required at an affordable price. The health insurance experts at Total Benefit Solutions Inc are well versed on these terms so when you… Read More

Download the latest guide to COBRA and Mini COBRA

June 14, 2022June 12, 2022Ed MacConnell

COBRA can be confusing for small and larger employees alike. Our quick guide to COBRA is here to make it easier. it’s simple and free to download! COBRA is not only an employer mandate but can also effect people on the health insurance marketplace! Take a look and then ask your Total Benefit Solutions, Inc health insurance specialists how COBRA effects you or your group.

How is COBRA health insurance affected if I am disabled?

September 21, 2021September 21, 2021Ed MacConnell

2021 Second Quarter Compliance Bulletins Compilation

July 7, 2021July 7, 2021Ed MacConnell

This document is a valuable resource, putting all of the latest health care reform news and updates in one location!

What is Blue Card PPO?

June 11, 2021June 18, 2021Ed MacConnell

What is Modified Adjusted Gross Income (MAGI)?

June 3, 2021June 3, 2021Ed MacConnell

What is a Qualified High Deductible Health Plan?

May 25, 2021May 25, 2021Ed MacConnell

women friends in masks standing in subway passage

Aetna Small Group (2-100) Insured & Small Group Aetna Funding Advantage FAQ
Health Plan options for business owners during COVID-19 pandemic

May 20, 2021May 21, 2021Ed MacConnell

Update on COVID-19 Vaccine and Vaccine Administration Cost

April 23, 2021April 23, 2021Ed MacConnell

Update on COVID-19 Vaccine and Vaccine Administration Cost

COVID-19 PPE Now a Qualified Medical Expense

April 13, 2021April 13, 2021Ed MacConnell

Heard of Reference Based Pricing Health Insurance?

April 12, 2021April 13, 2021Ed MacConnell

How Does Level Self Funded Health Insurance Work?

April 7, 2021April 7, 2021Ed MacConnell

We have received a lot of questions regarding the new level funding health benefit programs so we prepared this video to make it a little easier to understand. Ask us today if Level Funding your group’s health insurance might be a good for for your health plan! Contact your Total Benefit Solutions Account manager at (215)355-2121.

PPE and Health FSA/HRA

April 6, 2021April 2, 2021Ed MacConnell

Impact of Key Provisions of the American Rescue Plan Act of 2021 COVID-19 Relief on Marketplace Premiums

April 3, 2021April 2, 2021Ed MacConnell

there are millions of uninsured people who could be getting subsidized coverage on the ACA Marketplaces, but have not taken advantage of this financial help. In many cases, it may be that the financial help available to them is not sufficient to make the premium or the deductible affordable

ARPA Extends Open Enrollment for Individual Coverage in PA

April 1, 2021April 1, 2021Ed MacConnell

Departments Issue Guidance Re: FFCRA and CARES Act

March 16, 2021March 16, 2021Ed MacConnell

New COBRA Subsidy Begins April 1st under COVID Relief

March 15, 2021March 16, 2021Ed MacConnell

Pandemic Aid Package Includes Relief From High Premiums

March 10, 2021March 10, 2021Ed MacConnell

Compliance Bulletin & Reform Center

March 13, 2017March 10, 2017Ed MacConnell

Health Care Compliance and Reform Education Center A fundamental change in the way the United States handles health care has arrived. Benefit rules and coverage change faster today than they used to in ten years! Our Compliance and Health Reform Education Center is where we will keep a copy of our health care reform bulletins throughout the year, in an easy to view format where you can download a brief summary or watch a short informative video. Click here to visit totalbenefitscomply.com Please contact your Total Benefit Solutions account manager at (215)355-2121 if you have any further questions.

2016 Compliance Year In Review Digest

January 10, 2017January 10, 2017Ed MacConnell

2016 Compliance Year In Review Digest A complete digest of all our compliance bulletins for the entire year of 2016 from our business partners at Emerson Reid. A handy guide to all of the year’s updates and changes all in one place. Download your copy now and keep it for future reference. Click to Download Compliance Digest 2016 Year in Review As always please contact your Total Benefit Solutions Account Manager at (215)355-2121 if you have any questions or concerns.

Health Reform: 4th Quarter 2016 Compliance Compilation

December 29, 2016December 29, 2016Ed MacConnell

Download a digest of our fourth quarter compliance bulletins. This digest includes the following bulletins: Transitional Reinsurance Fee Form Now Available 10/14/2016 Final 2016 Forms 1094-C and 1095-C Available 10/25/2016 November 2017 Cost of Living Adjustments 11/01/2016 Relief Extended for Premium Reimbursement Programs for Student Employees 11/02/2016 Updates Regarding the NJ Small Employer Health Benefits Program 11/07/2016 Election Results and the ACA: Preliminary Thoughts 11/10/2016 16 Extension of Deadline for 2016 Forms 1095-C 11/21/2016 Adjusted PCOR Fee for Fifth Filing Year Released 11/22/2016 December Beware of Phishing Email Disguised as HIPAA Privacy Audit Letter 12/13/2016 Click here to download the 4th quarter compliance compilation

ACA: Important Implementations & Delays in 2016

July 15, 2016July 17, 2016Ed MacConnell

As our third year of the ACA Open Enrollment Period arrived, it’s time to examine some of the new implementations in 2016. Some of the major components, especially those affecting businesses were delayed or deferred since the passage of the Affordable Care Act in 2010. This year is considered to be a big year due to the “full implementation” of the employer mandate as well as a number of changes, repeals, and moratoriums on other sections of ACA. Some of the key changes are listed below: CHANGES AND IMPLEMENTATIONS Full implementation of the Employer Mandate Currently it is not mandated that employers provide health care to their employees. Moving forward, however, if… Read More

FAQ Suggests Employers Include Marketplace Options with COBRA Notices

July 15, 2016Ed MacConnell

On June 21, 2016, the Departments of Labor, Health and Human Services, and the Treasury (collectively, the “Departments”) issued the 32nd Affordable Care Act (“ACA”) FAQ describing information that may be appropriate to include with COBRA notices. Many wondered if it were appropriate to provide information and if so, what kind of information could be provided about the Health Insurance Marketplaces/Exchanges (“Marketplaces”) so that COBRA-eligible individuals could consider health coverage alternatives available through the Marketplaces and possibly investigate whether they may be eligible for premium tax credits and cost-sharing reductions. Click the link to download the entire bulletin

Category: COBRA

Can consumers who qualify for COBRA continuation coverage opt out of it and get coverage through the Marketplace instead?

Understanding the Coding of Health Plans from MEC to Metallic

Download the latest guide to COBRA and Mini COBRA

How is COBRA health insurance affected if I am disabled?

2021 Second Quarter Compliance Bulletins Compilation

What is Blue Card PPO?

Top 10 Questions to Ask Your Benefits Broker

What is Modified Adjusted Gross Income (MAGI)?

What is a Qualified High Deductible Health Plan?

Aetna Small Group (2-100) Insured & Small Group Aetna Funding Advantage FAQ
Health Plan options for business owners during COVID-19 pandemic

Update on COVID-19 Vaccine and Vaccine Administration Cost

COVID-19 PPE Now a Qualified Medical Expense

Heard of Reference Based Pricing Health Insurance?

How Does Level Self Funded Health Insurance Work?

PPE and Health FSA/HRA

Impact of Key Provisions of the American Rescue Plan Act of 2021 COVID-19 Relief on Marketplace Premiums

ARPA Extends Open Enrollment for Individual Coverage in PA

Departments Issue Guidance Re: FFCRA and CARES Act

New COBRA Subsidy Begins April 1st under COVID Relief

Pandemic Aid Package Includes Relief From High Premiums

Compliance Bulletin & Reform Center

2016 Compliance Year In Review Digest

Health Reform: 4th Quarter 2016 Compliance Compilation

ACA: Important Implementations & Delays in 2016

FAQ Suggests Employers Include Marketplace Options with COBRA Notices