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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. That’s why individuals and families use Total Benefit Solutions Inc.!Click to download the pre appointment form below so we can prepare for our conversation and provide you with the most accurate health insurance information. |
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. |
Click here for a quick ACA health insurance quote
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.
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
Excel Capital Funding
I knew you were the best. Thank you very much for all your help with my benefits!Ricky Boone, President-Excel Capital Funding LLC
Lou Grossman
Ed and his team go the extra mile for you. They truly care about your benefits ...And Ed knows more about benefit details and regulations than anyone around . He is the best-and a nice guy to boot.- Lou Grossman, President-Grossman Public Relations" 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
BKZ Contractors Inc.
I found out the hard way what having the wrong coverage can truly cost. Even though I had insurance I found out later that my child’s birth was not covered and I had to pay 100% of the costs. After that I found the guys at EMA (Total Benefit Solutions Inc.) and Ed found me a plan that was not only better, the premiums were lower as well. Thanks again!Brian Zeldes, President BKZ Contractors Inc.
Bryan Perchick
-Bryan Perchick
Riverside Physical Therapy
I strongly recommend the team at Total Benefit Solutions Inc. for handling your health insurance and benefits. I’d never switch!Joe Tomasetti, President Riverside Physical Therapy
RMS Services
Your help saved us thousands of dollars on our renewal. Plus you took the time to explain the benefits to us and our staff, which in itself is an invaluable service. Thanks again!Frank McCafferty, President
AquaReale
Ed and his team promised us great service and they have delivered. Ed takes the time to answer every question one might have and makes sure we are getting the most for our money. I would highly recommend Total Benefit Solutions Inc. to any small business looking for the best health insurance plan they can get. -Laura Reale, AquaReale Inc
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! -Deb H
Deb H
The Gannon Agency
“Thanks again for the top notch service that you have provided to my office and to my customers that I have referred to you. Total Benefit Solutions is the best!”.Steve Gannon, President , The Gannon Agency
Rachael Cappella
Christine Taylor
I have been working with Ed and his team for a few years now and their level of professionalism as well as timeliness never fails, even when it is late into the night at times. Thank you all for making this process smooth & easy which would certainly not be the case on my own
.Christine Taylor: Self Employed
Netstride Internet Solutions
The daunting landscape of health insurance is difficult for any business owner or individual to navigate. Ed and his team make the process really easy. We’ve been with Total Benefit Solutions Inc. for many years, and we recently decided to switch our plans. Both Ed and Amber spent time walking us through the various options, including the pros and cons of each plan and answered countless questions. Their patient guidance allowed us to pick a plan that we feel best meets the needs of our business and employees.Gregory Tarallo, President Netstride Internet Solutions
Prodigy Learning Center
"Hi Ed, I just wanted to let you know how great Rochelle has been with our insurance issues. She has been so helpful to me. I don’t know if people take the time to tell you when your staff is doing a great job, but I wanted to let you know. She is great!! Thanks. "Christine Viteo, R.N. Executive Director, Prodigy Learning Center Philadelphia.
Coburn Myers Fastening Systems
This was an excellent interview (http://www.moneychattoday.com ) and Ed clearly demonstrated his knowledge on the issues. I am glad we chose you as our broker.Ted Harp, Controller
Totally Zen
Ed, Great follow up! Thanks again your service is incredible!!Stephanie Churchill, President
Ed and his team have been great with finding us the right health insurance plans at the right price. He is always available to answer questions and works with us to achieve our goals. -Adam F
Adam F
Total Child Care
I'm writing to apologize and to express my dismay and regret for switching from your firm last year. What a gargantuan mistake that was! To recount the horrors of dealing with the firm we switched to would only cause me to relive them, something I'm not willing to do (at this point). What do I have to do to get back with you guys? 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.
-Gina D
Gina D
over and above the call of duty
Over the years Ed and his crew have gone over and above the call of duty to assist me with my health insurance needs. They have perfect amount of patience needed to help healthcare novices like me. I highly recommend Total Benefits. Don’t delay! Call today!
Amy H
Sales Pros 4 Hire
Especially thank you for helping my wife and I sail through the new Affordable Care Act. You and your team made the complicated seem simple and select the plan best suited for our health insurance needs. Thanks!Mike Hilbert, President, Sales Pros 4 Hire
Travel Authority
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
Ed and his team at Total Benefit Solutions have really helped me through a difficult time with health insurance. Thanks to them, I have short term health insurance to hold me over until my job search is successful.
-Chris M President (CGM Systems)
Chris M
Zola Makrauer DMD
Ed is an expert in health insurance. I am a health care provider myself and I know how difficult this business can be. He is knowledgeable with all of the health insurance companies in our area. If you are looking for health insurance I would not pass up Ed for a quote he is great for single plans as well as plans for groups for business owners. Zola Makrauer DMD 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
Fibrenew
"Kim went above and beyond in helping find a new individual medical insurance plan for me. We met in person to go over all the questions I had about the different types of plans and how they worked. I felt really taken care of."
-Margaret F.
Margaret F
Kris Kreisher
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!!!! 🙂 
-Kris Kreisher
Ace Childcare
“Ed is not only knowledgable about what he does, he educates his clients along the way.When starting my first company Ed was there from beginning to end. Ed is a valued business associate and friend. When you hire Ed he becomes your partner every step of the way!”David Ozeroff, President Ace Childcare Inc.
Webucast
Ed is always quick to return a phone call. His company provides great service and has saved me thousands of dollars throughout the years. Thanks Ed!Igor Bogdanov, Principal, Webucast
Bonnie Greisler
Thank you for taking great care of me- and my son! You guided us to workable medical insurance plans, I am very appreciative for your expertise and knowledge!- Bonnie Greisler., President of The Men and Boy's Store, Huntingdon Valley PA Bonnie Greisler, President of The Men and Boy's Store
John K
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.
Ariel M
Damar Communications
When I needed to offer health benefits options, Total Benefit Solutions was there with a list of options and explanations that made what seemed like a daunting myriad of choices into a simple process. Thanks Ed!”Dave Margolis, President Damar Communications:
Helped our family with all the switching around, so we where never without health insurance benefits or lacked in care.
Molly K
They really know what they are doing
They really know what they are doing with Medicare health insurance and will take great care of you!
Carol W
Carol W
Stephen Forbus
Ed, thanks for helping me solve the ACA puzzle. After multiple problems with the site and with the operators, you got me a bigger savings than I was able to get on my own, and saved me over $2,250! Thank you!Stephen Forbus
Media Components
Ed MacConnell always strives to go one step ahead of the competition by providing superb customer service at his firm. His personality and friendly approach to all challenges make him stand out from other Insurance Brokers. Ed is a true networking guru and community benefactor and I would recommend his services to all of my friends and colleagues.”Denis Sinelkov-President Media Components
Over the years Ed and his crew at Total Benefit Solutions have gone over and above the call of duty to assist me with my health insurance needs. They have perfect amount of patience needed to help healthcare novices like me. I highly recommend Total Benefits. Don’t delay! Call today! -Amy H.
Amy H
Bucks County Center for Independent Living
“Ed MacConnell and his team consistently provide excellent advice and customer service. He is trustworthy, organized and responsive to our needs. In addition, we get the best product and service for a reasonable price. He listens to us and comes up with solutions. I am never disappointed.”Ginny Fiorintine, Exective Director
Wolf Island Networks
It has been an excellent experience getting health insurance from Total Benefit Solutions Inc. You and your staff are most professional and very responsive.”John Rodia, President
Terry Farber
I have relied on the expertise of Ed MacConnell and his staff for assistance in choosing the best health care plans for me and my husband for the past several years. I highly recommend Total Benefit Solutions, Inc., for your health care planning needs.-Terry Farber, Elder Law Attorney
Grossman Public Relations
As the principal in a small firm, nothing can drain me of productive time then handling our insurance renewal each year. But since 2002 we have worked closely with the (Total Benefit Solutions Inc.) who have brought a dedication to the task I had not previously seen. In fact, because of following your advice, I was able to get the top notch specialty medical care I required, where I wanted it and when I needed it most. I can’t thank you enough!Lou Grossman-President
LTW Gentec
Your team and your approach to service are the best! Thank you for helping us every year with our benefit programs!-Matt Deeter, President LTW Gentec
Art 4 Business
"Since Ed and his team at started handling our account, we have saved money each year, and help is only a quick phone call away."Heather Gibson, COO, Art 4 Business Inc
S&S Sign Company
I just received a refund check today from Aetna for our Hailey’s emergency claim. Thank you and your staff for all your help in getting this matter resolved, otherwise I may have just given up!Gina Seibel, Vice President S&S Signs
Perfect Move Inc
Amber and the team have been nothing short of amazing. Each year they take the time to explain changes in my benefits and rates, and when I call with a question, I usually get an immediate answer.Bob Simons, Vice President of Perfect Move, Inc.
Solomon Bread & Rolls/Kaplan’s Bakery
I have been using Ed MacConnell & EMA Group Inc (Total Benefit Solutions Inc.) as my insurance brokers for over 20 years. I would never think of going anywhere else!Jeff Solomon-President
Van Dyne Insurance