DUE TO THIS WEEK’S DEVASTATING WINTER STORM , OUR OFFICES ARE OPERATING TODAY BUT WITH LIMITED RESOURCES. DUE TO CIRCUMSTANCES BEYOND OUR CONTROL WE HAVE BEEN UNSUCCESSFUL AT REGAINING FULL OPERATION SYSTEMS. WHILE WE HAVE MADE PROGRESS WE ARE WORKING DILIGENTLY TO COMPLETELY RESTORE ALL POWER, PHONES AND INTERNET AND HOPE TO BE OPERATING BY MID DAY ON FRIDAY FEBRUARY 7TH. WE ARE MONITORING AND RESPONDING TO EMAILS. CURRENTLY WE HAVE INTERMITTENT INTERNET AND ONE PHONE LINE. WE APOLOGIZE FOR ANY INCONVENIENCE THIS HAS CAUSED.
Continue ReadingIBC Group Medicare Security 65 Billing Issues
Security 65 Invoices Security 65 groups that are transitioning to our new operating platform effective January 1, 2014 are receiving premium invoices that reflect a zero-dollar balance. These invoices were sent in error and new invoices reflecting the appropriate premium due and membership information are being generated. Please be assured that this was an invoice issue only and did not affect membership. All members are currently active and there is no impact to access of care.
Continue ReadingHusband & Wife 2 Person Groups No Longer Eligible for Group Coverage
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
Continue ReadingHappy Thanksgiving!
Wishing you and your family, friends and co-workers a very Happy Thanksgiving! Thank you for another successful year here at Total Benefit Solutions Inc Click here to watch the our fun jibjab Thanksgiving video!
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An important note about the heathcare.gov problems
As most of us are aware, there are many problems with the healthcare.gov website. Today President Obama addressed the concerns and issues. The president suggested a work around for the website issues by calling the 800 number. Click here to read the story on cnn. At least until the bugs can be worked out. However it is important to point out that anyone who calls the 800 number can not use the free and important services of their independent insurance broker. Brokers are exempt from helping people who enroll over the phone. So if you are going to call the number be prepared to go through the process without help or… Read More
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Get health insurance for your employees from the SHOP
Get health insurance for your employees The Small Business Health Options Program (SHOP) is a new way to buy high-quality health insurance for your employees. It opens for business October 1, 2013. Get ready now by answering a few quick questions to learn what you need to know. Remember, your independent brokers at Total Benefit Solutions can guide you through the process and help you make the best decision for your company AND your employees!
Continue ReadingReminder to Distribute Creditable Coverage Notice
Employers who sponsor a group health plan with prescription drug benefits are required to notify their Medicare-eligible participants and beneficiaries whether the prescription drug coverage offered under their plan constitutes “creditable” or “non-creditable” coverage. This notification must be provided prior to October 15 each year. Click here to download the Medicare Part D Reminder
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Free Series for Small Business Owners to Help Understand the Law
Free Series for Small Business Owners to Help Understand the Law The U.S. Small Business Administration (SBA), together with the Small Business Majority (a national nonprofit advocacy organization), has launched theAffordable Care Act 101 Weekly Webinar Series. The webinars feature guidance on key pieces of the law for small business owners provided by SBA representatives, followed by a question and answer period. Topics being discussed in the webinars include: Small business tax credits—who is eligible and how to claim the credit; Shared responsibility (also known as “pay or play”); Cost containment; and Tools and resources available for small businesses to learn more about the law. The… Read More
Continue ReadingWhat are voluntary benefits?
Why are voluntary benefits a good idea to supplement your core benefits? Click here to watch this short, informative video….
Continue ReadingNew Tool Provides Guidance on Health Care Changes
New Tool Provides Guidance on Health Care Changes A new interactive “wizard tool” is available online from BusinessUSA to help employers understand the changes that may affect their companies under Health Care Reform. The tool is simple to use. Business owners can input information regarding company size, location, and whether they currently offer insurance to their employees. Based on the employer’s responses, the tool generates guidance on Health Care Reform changes and other health care-related resources relevant to the employer’s business. Other useful information and services for business owners can be found on the BusinessUSA website.
Continue Reading8 components of a health care exchange
As an employer, there’s a lot you need to know in order to decide whether or not to offer health care through a health insurance exchange. But before you make a decision….click to read the story
Continue ReadingTotal Benefit Solutions Newest Brochure
Download our latest brochure to read all about the valuable services we provide for our clients! Download our latest employee benefits brochure
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