Today’s small business managers need more than just a broker with a spreadsheet of health insurance plans. They need creative out of the box solutions, advice and top notch support services. If your current broker is not providing these services, consider switching to Total Benefit Solutions, Inc. today. You might not even have to change insurance companies!
Total Benefit Solutions Inc. is prepared for the future of healthcare, and our clients are too!
Why do companies like yours, choose us? Here are a few the reasons:
Dedicated Account Managers: Wasting hours on the phone with an insurance company or administrator is a thing of the past. At Total Benefit Solutions Inc., your organization has a 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 organization, your employees and their family members have 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.
Group Renewals: Just as a doctor recommends an annual physical, a small business should evaluate their plans yearly to make certain their benefits still align with their goals and budget as well as remain in compliance with new regulations. With Total Benefit Solutions on your side, you can be certain to get the most comprehensive and impartial advice as well as the year round support you and your employees deserve. Click here to download more information
Creative Solutions: Outside of the box solutions are our specialty. Level funded self insurance, partially self funded arrangements, reference based pricing, Professional Employer organizations (PEO’s) Health Sharing Organizations,. MEC’s, List Bills STM and more. Our specialists will look everywhere to find a solution that fits!
My Benefit Link: My Benefit Link ( MBL) is an online enrollment benefit portal and smart phone app specifically designed for small groups and their employees without the information overload of other systems. Total Benefit Solutions Inc can provide this amazing tool to any client upon request. Ask us today for a demo of My Benefit Link!
Download Quick Forms: Download your forms for submitting enrollment changes, physician searches and more available 24 hours a day, 7 days a week!
Compliance and Health Reform Education Center: Total Benefits Comply is our new Compliance and Health Reform Education Center where we will keep a copy of our health care reform bulletins throughout the year, in an easy to view format, along with short informative videos. This new resource makes it easier to quickly find the answers to your reform questions and download a short, to the point bulletin. Click here to learn more
COBRA Administration: Total Benefit Solutions Inc, has partnered with leading COBRA administrators for our clients. Online COBRA Administration solution provides the best-practices processes and reliability to help you comply with federal COBRA and states’ “mini-COBRA” regulations. Ask us about a COBRA compliance solution for your organization or how COBRA administration fees may be reduced or waived for your group! We even assist with Mini-COBRA compliance!
Benefit Bytes : Nothing can be more frustrating to a business owner 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
Benefit Bulletins: In order to provide even more up to date information, without simply cramming your e-mail inbox, we regularly publish these news bulletins directly on our website. Click here for our benefit bulletins page.
Wraps and Gaps: Reduce your costs and increase your employee satisfaction with a comprehensive wrap or gap portfolio. Wraps can be offered on an employer paid basis, or even a small business owner can let employees select and pay for the plans they feel are most suitable for themselves. Click here to learn more.
EAP Plus- Your Small Group Employee Assistance Plan: Many small businesses don’t have the resources and tools to properly address the other issues – the people issues that invariably arise, such as addressing employee concerns, HR policies, helping with management problems, and legal issues. Owners of small businesses need tools to make their lives easier while improving their employees’ productivity.
Health Advocate : Having Health Advocate means never having to feel alone in the healthcare world. Click to link to find out more about Health Advocate and why our clients feel secure having it as an affordable addition to their benefits package.
Online HRA Administration Implementing an HRA plan for your organization can provide better benefits for your employees at a lower cost. Don’t move your plan, improve it! Online administration keeps it simple and keeps you compliant!
Defined Contribution Solutions Under the ACA many organizations will determine that they no longer want to make healthcare choices for their employees. A defined contribution plan means you can still offer a valuable employee benefit and avoid the overhead costs of choosing and implementing your own health plans.
Tax Advantaged Plan Documents: The IRS Code has numerous provisions designed to help employers provide essential benefits to their employees tax-free. This saves the employee approximately 30% in income taxes on expenses they’re already paying for, and because the employees have reduced their taxable income, the employer realizes a reduced matching payroll tax liability of approximately 8%. Everybody saves money. To take advantage of these tax deductions the IRS requires that the employer have a written plan document and the Department of Labor and ERISA law require that every employee receive a summary plan description (SPD) explaining the new benefit in easy to understand language. This site is dedicated to providing employers with the tools they need to successfully establish these written plans with SPDs at the lowest cost possible. Please don’t hesitate to call us if you have questions, we will be happy to assist you. Thank you.
Medical Bridging: Oftentimes, the cost of care has escalated to the point where the most affordable solutions are plans with higher deductibles and out of pocket expenses which can present a challenge for your employees. A medical bridging solution can be employer or employee paid and can relieve the stress of having a potential high out of expense should an unexpected accident or critical illness arise.
Group Plan Summaries: We will always provide a summary or grid for your group benefit plan.
Ancillary Benefits: Ancillary Benefits including Dental, Vision, Life, Disability, Hospital, Indemnity and Wraps. Total Benefit Solutions works impartially with all of the major ancillary benefit carriers.
Voluntary Benefits: Benefits that an employer can offer at employees expense. Voluntary benefits typically include benefits such as the ancillary benefits above as well as more specific personal plans such as cancer plans, accident plans and more. Total Benefit Solutions works impartially with all of the major voluntary benefit carriers.