Total Benefit Solutions Makes Enrolling Easier

Ed MacConnell

In an effort to meet the enrollment challenges that many are facing under healthcare reform,  Total Benefit Solutions Inc has designed a custom form for our clients to use. Using this form and submitting it to Total Benefit Solutions Inc  will enable our Marketplace trained and certified licensed independent brokers to assist you in the enrollment process from the registration right through the enrollment! Remember as your independent broker we always work in your best interests,  not an insurance company. We represent you, our client and not an insurer or government agency. Click the link below to open the form and get started!  When completed, just click the link to… Read More

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Affordable Care Act Video: IBX Answers Five Common Questions

Ed MacConnell

  Not Sure if you qualify? Ask your Total Benefit Solutions Advisor at  (215)355-2121

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Affordable Care Act Video: Subsidies and Tax Credits

Ed MacConnell

Under the Affordable Care Act, individuals and families may qualify for financial assistants to help pay for health care coverage. Age, family size and total household income are the factors that will determine your eligibility for subsidies and tax credits. Answer a few simple questions to learn if you might qualify for financial support: click here or ask your Total Benefit Solutions Adviser to help you by calling us today at (215)355-2121. This short video from Independence Blue Cross makes it easy to understand how they work.

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Total Benefit Solutions Now Offering Online Enrollment with Consult-A-Doctor PLUS

Ed MacConnell

Healthcare… the way it should be! Are you tired of waiting multiple weeks to go see your doctor, only to find yourself taking time off work so you can drive through traffic and sit in the waiting room for what seems like forever? Have you ever felt overwhelmed by the stress and anxiety of a difficult life situation and wished you had someone you could trust to hold your hand and walk you through to the other side?  Then welcome to CADRPlus, an innovative new health care program that gives you unlimited, 24/7 access to doctors and other industry professionals from the comfort and convenience of your phone or computer,… Read More

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Total Benefit Solutions Now Offering Online Enrollment with Consult-A-Doctor PLUS

Ed MacConnell

Healthcare… the way it should be! Are you tired of waiting multiple weeks to go see your doctor, only to find yourself taking time off work so you can drive through traffic and sit in the waiting room for what seems like forever? Have you ever felt overwhelmed by the stress and anxiety of a difficult life situation and wished you had someone you could trust to hold your hand and walk you through to the other side?  Then welcome to CADRPlus, an innovative new health care program that gives you unlimited, 24/7 access to doctors and other industry professionals from the comfort and convenience of your phone or computer,… Read More

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Healtcare Reform Law

2014 Federal Poverty Levels Released

Ed MacConnell

The Department of Health and Human Services has announced the Federal Poverty Line (“FPL”) amounts, as indexed for 2014. Why is this Important?  Beginning in 2015, large employers may be subject to the employer penalty under the Affordable Care Act if they do not offer affordable, minimum value coverage to all full-time employees and at least one full-time employee receives a subsidy in the Exchange. The FPL is relevant to the affordability of the coverage, as well as the eligibility for a subsidy. Click the link below to download this important bulletin 2014 FPL Announced – 020314R Remember: Your independent broker at Total Benefit Solutions, Inc. can help you compare, choose and enroll in a plan on the… Read More

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Husband & Wife 2 Person Groups No Longer Eligible for Group Coverage

Ed MacConnell

Effective January 1, 2014 for new business and as existing groups renew thereafter, Husband and Wife only and Partner only businesses are no longer eligible for Small Group coverage. There are differences on how each state* will handle immediate family members who are also employees. Sole Proprietors Sole proprietors, owners and their immediate family members forming a business are not considered employees and may only buy insurance through the Individual Marketplace. Sole proprietors reporting on Schedule C cannot form a group health plan without having at least one non-spouse common-law employee.** * The FFM states (e.g., NJ, PA, DE) will abide by the above within the SHOP (Small Group Exchange Marketplace). In… Read More

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