Individual Health Insurance Comparing & Choosing Plans
Total Benefit Solutions Inc. is prepared for the future of healthcare, and our clients are too! Today’s consumers need more than just a health insurance plan on a website. They need direction, advice and support. If your current broker is not providing these services, consider switching to Total Benefit Solutions, Inc. today. We also work with Non-ACA plans!
Here are a few the reasons:
Dedicated Account Managers: Every client matters! Wasting hours on the phone with an insurance company or administrator is a thing of the past. At Total Benefit Solutions Inc., you have dedicated account manager as your single point of contact. Your account manager has years of experience, is trained, licensed, insured, certified and re certified annually on the products and services you need. As licensed professionals they are required to keep up with changes in the industry by doing continuing education credits every year.
Every member of your family members has your account manager just a phone call away! You have an expert on call! Whether it’s a claim resolution, a billing question, an enrollment transaction or just a simple question, your account manager is there for you. And because they work with you on a regular basis they get to know your biggest needs and concerns for a customized, tailored approach to your service. Our account managers can decipher the healthcare maze of acronyms PPACA, CMS, HHS, DOI, COBRA, HIPPAA, FMLA and more. We’re bilingual because we speak English and insurance. Click here to meet our team.
Total Benefits Briefs: Nothing can be more frustrating than finding out second hand information that their trusted advisors should be providing them with. That’s why at Total Benefit Solutions we make it a point to keep our clients informed about changes in our industry. Not just regulatory but also carrier changes, product offerings and simple benefits related guidance. One of the ways we do this is with our e-newsletter, Total Benefits Briefs. We publish and distribute our newsletter for our clients and subscribers between 6 and 8 times annually. We also provide regular benefit bulletins right here on our website as news is announced. Click here to visit our newsletter page
Individual Dental & Vision Plans: Compare plans instantly and in real time or get enrolled on coverage today
Wrap it up! Wrap your benefit selection with a comprehensive yet affordable plan that gives you peace of mind, and insures against enormous out of pocket expenses in the event of a catastrophic illness or accident. By enrolling on one of these plans before selecting your new health plan, you can make a more cost effective selection! Click here for more information about wraps.
Health Sharing : Healthcare sharing programs where share their financial resources to pay each other’s medical expenses. Health sharing programs can often be offered year-round and accept people with pre-existing conditions with some limitations. These can be offered to employees of small groups as well as individual families in need of an alternative health care solution. Ask us today for information on health sharing programs.
Short Term Medical: Short term medical plans can be great alternatives to Affordable Care Act coverage. Short term medical is medically underwritten so the premiums can be significantly lower for the younger or healthier individual. Total Benefit Solutions works with multiple insurers who provide these benefits including United Healthcare and National General.
|Click here to get a quote now from United Healthcare.||Click here to get a quote from National General.|
Getting Enrolled: Anyone who enrolls prior to the 15th of the month will be effective the 1st of the next month.
Please note that no one needs to enroll via the federal healthcare.gov website. Typically you will want to enroll via healthcare.gov in order to get any advanced premium tax credits, also known as subsidies, applied to your premiums. If you do not qualify for a APTC or subsidy, you have no reason to enroll through the marketplace. Nevertheless, there are important things to know:
- Your independent broker at Total Benefit Solutions Inc. can enroll you, on the healthcare.gov marketplace or many state exchanges we work with state exchanges such as Pennie and Get Covered NJ . We are certified and trained to assist you in making the best choices, securing your subsidy and getting you enrolled.
- Total Benefit Solutions Inc., can also assist you in getting enrolled in “off the exchange” or in a private market plan.
- There is no cost to you for using Total Benefit Solutions, Inc., yet we provide an unbiased comparison of the market and invaluable guidance and assistance.
- If you already have a healthcare.gov account, Pennie or Get Covered NJ account now would be a good time to log in and check your information, updating anything that needs updating.
- Remember If you do not have an account, we can set one up for you!
- If you do not want to receive a subsidy, or you think you will not qualify, you do not need to register.
- If you qualify for Medicare, you should not register for the marketplace, nor should you apply for a subsidy.
- All of the plans are updated to keep up with the mandating changes including deductible and out of pocket limits.
Feel free to download any of the documents here that you find useful. Please also call our office at (215)355-2121 to schedule your health insurance enrollment meeting or of you have any questions or concerns.
S&S Sign Company
Gina Seibel, Vice President S&S Signs
Greenwood Financial Services
-Bob Lankin, Branch Manager at Greenwood Financial Services of Raymond James Financial
Zola Makrauer DMD
David Caddick, President of Caddick Construction
Perfect Move Inc
Bob Simons, Vice President of Perfect Move, Inc.
Cardinal International Grooving & Grinding
-Linda Organski, Director of Human Resources
Sales Pros 4 Hire
Mike Hilbert, President, Sales Pros 4 Hire
Coburn Myers Fastening Systems
Ted Harp, Controller
Christine Taylor: Self Employed
Amy H- Individual Client on the healthcare.gov marketplace
As a commercial realtor I spend 90% of my time on the road and do not find myself at a desk very often. Having Total Benefit Solutions, Inc. as my broker makes the task simple, fast and to the point. And I never waste time on hold with the insurance company any longer. Thanks again Ed and Total Benefit Solutions Inc!
Jeff Gross, President Nozak Enterprises, DBA Supercuts
American Dream Financing
Brett Stern, Principal-American Dream Financing
Bucks County Center for Independent Living
Ginny Fiorintine, Exective Director
Bonnie Greisler, President of The Men and Boy's Store
Dave Margolis, President Damar Communications:
Art 4 Business
Heather Gibson, COO, Art 4 Business Inc
Paige Wolf Media & Public Relations
Paige Wolf, President Paige Wolf Media and Public Relations
Ed, you and your team have done it once again. Thanks for taking the time to come onsite and meet with us and our staff to help us understand the new HRA benefit. As always you have gone above and beyond the call. Thank you!
Barry Gerber, President
Arlene Blosch, President
Pete’s Clown House Luncheonette
David Fiebert Inc
-David Fiebert, President
Total Child Care
Ed and his staff have helped my husband and myself with our insurance for years. Great people to work with and extremely knowledgeable. - Kathleen Broderick
Superior Commercial Kitchens
Frank Livolsi, President-Superior Commercial Kitchens
The MCG Group
Steve Young, Managing Partner
Dr Franklin Strong
Thank you for you great assistance and explanations through this insurance maze for Nancy and I….click here to read the letter from Dr Strong
Amy Murray Hyde, Account Representative, CBDI, Inc.
Tom & Geri’s World Travel
Tom Mellon, President
Excel Capital Funding
Ricky Boone, President-Excel Capital Funding LLC
Associated Printing & Graphics
-Terry Farber, Elder Law Attorney
Ed and his team have been great with finding us the right plans at the right price. He is always available to answer questions and works with us to achieve our goals. -Adam F
I am so grateful for the amazing service!
I was completely lost when looking for new health insurance. I called several brokers, and none would take the time to explain everything to me. He took his time and explained everything to me and answered every question I asked, without sounding annoyed. I am so grateful for the amazing service! I highly recommend!
Bucks County TMA
The Gannon Agency
Steve Gannon, President , The Gannon Agency
Van Dyne Insurance
As a Property & Casulaty agent I am often asked to provide L-H-D products. I am confident when I refer my clients and associates to Ed for their Life, Health and Disability services that they will be treated with the same level of care I would offer them. Ed provides a menu of options that suit the clients preferences giving them a chance to choose which best suits them.
Ed now handles my company's health plan; Total Benefit Solutions, Inc. is top notch!
Donna Van Dyne, President VanDyne Insurance Agency
Helped our family with all the switching around, so we where never without benefits or lacked in care.
Prodigy Learning Center
Christine Viteo, R.N. Executive Director, Prodigy Learning Center Philadelphia.
Chris Handley, Account Executive Savoy & Associates (United Healthcare)
Uncle Bill’s Country Market
– Bill Smith, President
Riverside Physical Therapy
Joe Tomasetti, President Riverside Physical Therapy
I was completely lost when looking for new health insurance. I called several brokers, and none would take the time to explain everything to me. (They )took the time and explained everything to me and answered every question I asked, without sounding annoyed. I am so grateful for the amazing service! I highly recommend Total Benefit Solutions, Inc! -Ariel M.
Stephanie Churchill, President
BKZ Contractors Inc.
Brian Zeldes, President BKZ Contractors Inc.
Matt Deeter, President LTW Gentec
Netstride Internet Solutions
Gregory Tarallo, President Netstride Internet Solutions
Grossman Public Relations
They really know what they are doing
Carol Woytus, Vacation Magic Travel
Lisa Kruse, President Angelmark Associates
over and above the call of duty
Amy Huber, client
Solomon Bread & Rolls/Kaplan’s Bakery
Greater Philadelphia Abstract
Susan Harrison, Principal, Greater Philadelphia Abstract Agency
Bucks County Women’s Healthcare
David Ozeroff, President Ace Childcare Inc.
Extremely helpful professionals. Very fast in responding and taking the time to answer all of our questions when our small company decided to offer a new health benefits plan. Highly recommended for companies struggling with health insurance costs and trying to figure everything out. They made it easy to understand, choose and get up and running. -Craven Moore
Beth Sholom Congregation
Harvey Friedrich, Executive Director, Beth Sholom Congregation
Wolf Island Networks
John Rodia, President
Denis Sinelkov-President Media Components
We are very happy with George's plan - do we need to do anything to renew? Thank you very much for all your help!! I am so glad I found you a couple of years ago!!!! 🙂
Very knowledgeable and experienced.
Ed and his staff were very helpful in getting me through the open enrollment process and answered my mother's questions with her Medicare enrollment. Most companies are only a phone call away, if you call during normal business hours. Ed responded to my questions and was very helpful when I sent a message over the weekend. Amazing customer service! -Fibrenew Lower Bucks
David Zarrinnia, President
Frank McCafferty, President
Igor Bogdanov, Principal, Webucast
Paige Wolf Testimonial Dec 2018
Through all my insurance ups and downs through various degrees of employment, changes, marketplace changes, and medical needs, Ed and his team have kept me informed and sane through the constantly changing process. I honestly don’t know what I would do without them to call on when I am in an insurance panic! Even when they have no financial incentive, they are always there to help me!
I've been getting my health insurance through Ed at Total Benefit Solutions and his team for the past few years. It has always been a great experience. I had the pleasure of speaking to Jennifer this evening to renew my coverage. I'm very appreciative of her advice and help. She made it very easy. -Reita B
Jennifer helped me figure out the best options and made the whole process easy and effortless. Thank you!
Bob Flemming, President
The staff at Total Benefit Solutions are knowledgeable and helpful. They've been a great partner to help me navigate health insurance for my senior mother. Anytime I've had a question or concern, Ed has been there to consult with and offer advice. I highly recommend them!
A.L. Verna & Company
We thought we had a good broker until we met Ed and the team. They helped us avoid making a mistake that would have cost us thousands more.
Thanks Ed!-Paul Verna, President
Highly recommend. They took the time even when it was the busiest time of year for healthcare. They explained the details patiently to help stream the process painlessly.
Barry Shevlin, President