What Counts as Income when applying for a Marketplace subsidy? This short video may help: As always contact your Total Benefit Solutions account manager at (215)355-2121 for help applying for a subsidy and health plan on or off the Marketplace.
Continue ReadingYou might think that you have to wait for the annual open enrollment period to get enrolled. Think again! You may be eligible for a special enrollment period. Watch this short video to learn more, and then call us at (215)355-2121!
Continue ReadingGroup Supplemental Health Insurance – Gap Insurance What is the Premium Saver? The Premium Saver is an employer sponsored group supplemental insurance plan which is designed to help reduce the cost of group medical coverage. Combining the Premium Saver with certain major medical plans can deliver coverage groups want and can afford. How does the Premium Saver pay claims? It’s simple! The Premium Saver pays off of the underlying major medical plan EOB, and it pays benefits directly to the provider. When the insured goes in-network they always receive the carrier’s in-network discounts. What coverage does the Premium Saver provide? Supplemental Deductible and Co-Insurance Premium Saver plans have a supplemental… Read More
Continue ReadingWebinar: The Top 5 Reasons to Have (and use) an Employee Handbook Now Available from our partners at Think HR Click here to watch the video of the webinar and download the slides.
Continue ReadingFrom CIGNA-Informed on Reform Series. You’ll want to use the “maximize” or full screen feature to view the video in the bottom right hand corner of the menu bar.
Continue ReadingHealthiest You is now available through Total Benefit Solutions Inc. Ask us today how you and your employees can benefit from this type of wellness benefit! Below is the latest video on their mobile app.
Continue ReadingEnjoy the latest TV Commercial from Independence Blue Cross about their Medicare supplement plans. Remember, Independence Blue Cross is just one of the many insurers that Total Benefit Solutions works with, on the healthcare.gov marketplace, on the private market, in the senior market and also small groups. Call us at (215)355-2121 to see if IBC has a plan that’s a good fit for you.
Continue ReadingEnjoy the latest TV Commercial from Aetna. Remember, Aetna is just one of the many insurers that Total Benefit Solutions works with, on the healthcare.gov marketplace, on the private market, in the senior market and also small groups. Call us at (215)355-2121 to see if Aetna has a plan that’s a good fit for you.
Continue ReadingCMS releases SHOP video for employees The SHOP enrollment for employees video has been posted by CMS. Please keep in mind that the employer group needs to be set up on the SHOP first. Please contact your Total Benefit Solutions, Inc account manager if you have any questions about setting your organization up as a SHOP employer. Total Benefit Solutions, Inc is a certified SHOP independent broker. Click the video below to watch the video.
Continue ReadingIntroducing Health Republic of NJ… Jim Martin, CEO of Health Republic Insurance of New Jersey, discusses the founding of New Jersey’s first and only healthcare CO-OP, defining the meaning of “non-profit CO-OP.” He explains how members will have a say in their health plan through the member-led Board of Directors and emphasizes the mission of HRINJ meeting the needs of its members. If you would like more information on Health Republic, or to get a quote for your company, please contact your Total Benefit Solutions Inc., account manager at (215)355-2121. Introducing NJ’s First and Only Non-Profit, Healthcare CO-OP from Health Republic Insurance of NJ on Vimeo.
Continue ReadingFor calendar year-end plans, the 2014 Form 5500 is due to be filed electronically no later than July 31, 2015. ERISA requires that Form 5500 be filed with the Department of Labor for most health and welfare plans (for example, medical, dental, and life insurance plans) by the last day of the seventh month following the end of plan year unless an extension (Form5558) is completed and mailed to the IRS. Click here to read the Form 5500 Filing Reminder Click here to watch the Brainshark Video
Continue ReadingTiered or Narrow Network Plans: Under the Affordable Care Act, insurance carriers have introduced “tiered network”, or narrowed network plans. Keystone Proactive HMO Plans from Independence Blue Cross have a unique ” 3 tiered” network of providers. Although each carrier has different types of networks and benefit levels, the plans have the same general concept, steering the members by giving them a choice of providers that offer medical services at a lower out of pocket expense. Choosing a more expensive provider or facility may cost the member more out of pocket costs. United Healthcare offers 2 tiers in their “Navigate” plans, and Aetna uses “Savings Plus” designated providers to split… Read More
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Did you know? You can go paperless and get your Medicare and You Handbook Online! As always, if you have any questions about Medicare health plans, please contact your Total Benefit Solutions account manager at (800)924-6718 or (215)355-2121.
Continue ReadingCMSHHSgov has uploaded Medicare & You: Different Parts Of Medicare : As always, if you have any questions about Medicare health plans, please contact your Total Benefit Solutions account manager at (800)924-6718 or (215)355-2121.
Continue ReadingWhat is HR360? HR360 is the premier online human resources library that features the most current federal and state laws for health care reform, COBRA, FMLA, and hiring and terminating employees. Clients of Total Benefit Solutions have HR360 as a complimentary resource. Watch this short video below and ask us today for your free trial membership, or how your organization can benefit from using Total Benefit Solutions Inc., and HR360. Call us for more information at 1(800)924-6718.
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Why Critical Illness as a “wrap” plan Because: They’re more affordable than you might think. They’re available for employer groups, individuals and seniors. They make selecting a health plan easier. They provide peace of mind against a catastrophic event and large out of pocket expenses. They’re person and portable, it doesn’t matter where you get your health insurance from, having your own critical illness plan makes it better. Many clients have asked how they can supplement their employees coverage when they get enrolled through the affordable care act healthcare.gov marketplace. Employers are permitted to offer wrap plans that consist of “excepted benefits”, meaning they are not regulated by the affordable… Read More
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Hospital Indemnity Plans as a “wrap” Many clients have asked how they can supplement their employees coverage when they get enrolled through the affordable care act healthcare.gov marketplace. Employers are permitted to offer wrap plans that consist of “excepted benefits”. A group Hospital Indemnity plan can fit the bill and provide a comprehensive financial support plan for a family dealing with a medical crisis. It also allows the employee to make a more prudent health plan selection by giving them coverage for any large deductibles, co-pays or cost sharing scenarios. Hospital Indemnity plans are available to individuals too. Download more information on Shelterpoint’s Hospital Indemnity plan Below is a… Read More
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Have you enrolled? Open enrollment is ending soon! Do you know when? Watch this video from Humana and learn more, then call your Total Benefit Solutions Advisor at (215)355-2121 and get enrolled without any further delay!
Continue ReadingWho can help you enroll on a new affordable care act plan? Remember an independent broker like Total Benefit Solutions Inc can still help you enroll on a plan on the Federal Healtcare Exchange or off at no additional cost to you. Your independent broker is still truly your healthcare advocate! Another simple yet educational video from Humana:
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Another great an helpful video from Humana regarding enrolling on the new health insurance plans. Keep in mind an independent broker like Total Benefit Solutions Inc. can still help you enroll at no additional cost.
Continue Reading“Can I keep my doctor?” is the most commonly asked question when switching healthcare plans. Know what questions to ask about health insurance plan networks before you buy. Take a moment to watch this concise new video from Humana.
Continue ReadingWishing 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!
Continue ReadingWhy are voluntary benefits a good idea to supplement your core benefits? Click here to watch this short, informative video….
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Beginning in 2014, individuals and small businesses with up to 50 employees can purchase insurance through online exchanges, also called “health insurance marketplaces.” Each exchange will offer a choice of health plans that meet certain benefit and cost standards. In 2016, businesses with up to 100 employees will be able to participate. Coventry Health/Aetna recently released this easy to understand video that may help you understand the new exchange or” marketplace” system of buying health insurance. Click here to watch the six minute long video.
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