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!
Download Quick Forms: Download your forms for submitting enrollment changes, physician searches and more available 24 hours a day, 7 days a week!
Think HR Comply: ThinkHR Comply is a cloud-based HR solution chock full of HR information, tools and resources. ThinkHR provides expert, practical human resource guidance to businesses of all sizes, helping them avoid costly risk and liability and save time. We provide this subscription service at no cost for clients. Click here to learn more about Think HR.
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.
ThinkHR Your online HR department is just a click away with HR360!
Group Plan Summaries: Click here to print, view or download 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.
Riverside Physical Therapy
Joe Tomasetti, President Riverside Physical Therapy
Helped our family with all the switching around, so we where never without benefits or lacked in care.
Excel Capital Funding
Ricky Boone, President-Excel Capital Funding LLC
The MCG Group
Steve Young, Managing Partner
Jeff Gross, President Nozak Enterprises, DBA Supercuts
-Terry Farber, Elder Law Attorney
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!
Matt Deeter, President LTW Gentec
Christine Taylor: Self Employed
David Ozeroff, President Ace Childcare Inc.
Art 4 Business
Heather Gibson, COO, Art 4 Business Inc
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.
Grossman Public Relations
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
Solomon Bread & Rolls/Kaplan’s Bakery
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
American Dream Financing
Brett Stern, Principal-American Dream Financing
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 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
Dave Margolis, President Damar Communications:
Pete’s Clown House Luncheonette
Uncle Bill’s Country Market
– Bill Smith, President
Chris Handley, Account Executive Savoy & Associates (United Healthcare)
Amy H- Individual Client on the healthcare.gov marketplace
Barry Shevlin, President
Very knowledgeable and experienced.
Bonnie Greisler, President of The Men and Boy's Store
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
over and above the call of duty
Amy Huber, client
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!!!! 🙂
Jennifer helped me figure out the best options and made the whole process easy and effortless. Thank you!
Associated Printing & Graphics
Arlene Blosch, President
Prodigy Learning Center
Christine Viteo, R.N. Executive Director, Prodigy Learning Center Philadelphia.
Bob Flemming, President
Tom & Geri’s World Travel
Tom Mellon, President
Sales Pros 4 Hire
Mike Hilbert, President, Sales Pros 4 Hire
David Caddick, President of Caddick Construction
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