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.
Global Health Insurance: Global health insurance provides health coverage around the world! Global health insurance can be for a short trip or a long stay. It can be provided for employees who work in another country, missionaries or students. It can even be for US visitors from another country who don’t have coverage in the States.
Perfect Move Inc
Bob Simons, Vice President of Perfect Move, Inc.
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
Christine Taylor: Self Employed
Art 4 Business
Heather Gibson, COO, Art 4 Business Inc
The Gannon Agency
Steve Gannon, President , The Gannon Agency
Cardinal International Grooving & Grinding
-Linda Organski, Director of Human Resources
Bonnie Greisler, President of The Men and Boy's Store
Arlene Blosch, President
Excel Capital Funding
Ricky Boone, President-Excel Capital Funding LLC
Bucks County TMA
" I called with a quick question about my health insurance coverage and your answer saved me over $2600 with one call. You were right. Thanks again for the great advice! "
Jeff G, President Nozak Enterprises, DBA Supercuts
Wolf Island Networks
John Rodia, President
Highly recommend. They took the time even when it was the busiest time of year for health insurance. They explained the details patiently to help stream the process painlessly.
Uncle Bill’s Country Market
– Bill Smith, President
Matt Deeter, President LTW Gentec
Associated Printing & Graphics
David Ozeroff, President Ace Childcare Inc.
S&S Sign Company
Gina Seibel, Vice President S&S Signs
Dave Margolis, President Damar Communications:
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!
Lisa K, President Angelmark Associates
Jennifer helped me figure out the best health insurance options and made the whole process easy and effortless. Thank you!
Bob Flemming, President
David Zarrinnia, President
Greenwood Financial Services
-Bob Lankin, Branch Manager at Greenwood Financial Services of Raymond James Financial
Pete’s Clown House Luncheonette
Joseph Pintimalli CPP
Simplifi Payroll & HR
Chris Handley, Account Executive Savoy & Associates (United Healthcare)
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
over and above the call of duty
Very knowledgeable and experienced.
Riverside Physical Therapy
Joe Tomasetti, President Riverside Physical Therapy
They really know what they are doing
Igor Bogdanov, Principal, Webucast
David Fiebert Inc
-David Fiebert, President
Denis Sinelkov-President Media Components
Zola Makrauer DMD
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.