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
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
Helped our family with all the switching around, so we where never without benefits or lacked in care.
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
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
The MCG Group
I didnt think it (health insurance) was that complicated until I tried to do it myself! Thank Ed for your help and pointing us in the right direction!Steve Young, Managing Partner
Nozak Enterprises
" 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 Gross, President Nozak Enterprises, DBA Supercuts
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
Bruce McIntyre
Ed, and his group, is perhaps the most knowledgeable in PA for healthcare. Note that while Ed has major misgivings with ACA, he has taken the time to read the legislation, and to understand it's implications, and to provide advice to his customers based on reality, not some right or left wing fantasy. If you want actual information on healthcare, talk to Ed and his group.-Bruce McIntyre
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.
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!
-Paige Wolf
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
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
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.
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
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
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
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
Craven Moore
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
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
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
I have worked with Ed and (Total Benefit Solutions) EMA Benefits many times in the past. Ed and his office staff give GREAT service and always provide great rates. I have also referred many friends and family to Ed and EMA and those referrals were always taken care of and happy after they signed up. If your ever looking for insurance, think of them!Brett Stern, Principal-American Dream Financing
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 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
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:
Pete’s Clown House Luncheonette
Ed MacConnell and his team make me feel like I’m their only customer! Whenever I need help they’re ready, willing and able. It makes it easier to focus more on keeping my restaurant profitable and smooth.Ron Bordone-President
Uncle Bill’s Country Market
Coming from a lifetime of employment I had no idea what was involved in setting up our new business, or our new insurance plans. Ed took the time to help us understand and make a choice. He even helped me get the business set up with referrals to valuable resources. Thanks Ed!– Bill Smith, President
Chris Handley
I work with dozens of insurance brokers in Southeastern Pennsylvania. Personally, I have never met a health insurance broker who cares more about his clients. Ed is always looking for innovative ways to provide his clients the highest quality coverage, and at prices that are affordable. Ed is one of the few people that I would trust to provide my own family with insurance.Chris Handley, Account Executive Savoy & Associates (United Healthcare)
Amy H
If you two were in front of me I’d hug you right now. Now I have more money in my checking account than I thought! AWESOME!Amy H- Individual Client on the healthcare.gov marketplace
Shevlin Investments
Ed and my account manager make me feel like their biggest, most important client each time I call. You can’t ask for more than that!Barry Shevlin, President
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
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
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 Huber, client
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
J
Jennifer helped me figure out the best options and made the whole process easy and effortless. Thank you!
Associated Printing & Graphics
Ed is our medical benefits insurance agent. Ed and his staff have provided terrific service and cost effective options year after year. He really cares about providing the best coverage for his clientele. I highly recommend the Total Benefit Solutions, Inc. for all your group medical insurance needs! Don Rubin-President of Associated Printing & Graphics Travel Wizards
Even though I have met many insurance brokers over the years, I’ve found Ed MacConnell and his staff at (Total Benefit Solutions Inc.) to be the best. Thoughtful, informative and professional. They reduced my premiums significantly while at the same time getting me a better benefit. Thanks Ed!Arlene Blosch, President
"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.
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.
Sign-A-Rama-Feasterville
“Each year they shop to find me the best prices on my health insurance. And any time there has been a problem, one call to (Total Benefit Solutions Inc.) has resolved everything. Thanks!”Bob Flemming, President
Tom & Geri’s World Travel
Even though I have a very small company (Total Benefit Solutions Inc.) takes the time each year to review everything and help me make a decision that benefits our firm.Tom Mellon, President
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
Caddick Construction
I endorse Ed MacConnell and (Total Benefit Solutions, Inc.) as our insurance broker and encourage you to speak with them about your own benefits. Ed has been handling ours for over ten years now and they always have a creative solution to anything our insurer throws our way!David Caddick, President of Caddick Construction
Van Dyne Insurance
I have recently gotten to know Ed MacConnell through my LeTip group in Huntingdon Valley and as result, his company, Total Benefit Solutions, Inc. . Ed has shown me and my clients that their firm offers the highest level of integrity, knowledge and service available.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
Beth Sholom Congregation
"Ed takes the time each year to review our current plans, our goals for the future evaluate our options and explain all of the choices thoroughly.