Wrap, GAP and Supplemental Solutions
What are GAP plans?
GAP or supplemental health insurance products includes hospital indemnity, critical illness, accident, out-of-pocket medical expense, specific and aggregate stop loss, cancer, dental and vision insurance. Each is available as an employer-paid benefit, as employee-paid or both. Employers can offer employees the protection they want at cost-effective group rates, paid conveniently through payroll deduction.
What is a “wrap”?
An employer offers a “wrap” plan to either supplement a group medical plan, or to provide supplemental coverage to an employee who does not participate in the employer group medical plan. In the era of the affordable care act, more employers will elect to stop offering a group medical plan and will likely provide an employer paid wrap package.
- What is Critical Illness Insurance? Click here to learn more and watch a short video.
- What is Hospital Indemnity Insurance? Click here to learn more.
Click the links below to learn about these specific types of plans:
For Individuals ( non group)
AFLAC: AFLAC is the industry leader in these types of plans. An AFLAC Critical Care or Accident plan is a well planned, comprehensive and affordable alternative to “buying up” to a more expensive platinum level plan. Not only that but your AFLAC plan stays with you, regardless of where you get your health plan next year, or the year after that.
Click here for a brochure that describes the AFLAC PA Critical Care 2
United Healthcare One: A substantial critical illness plan for individuals and families. United Healthcare One Critical illness is offered in increments of $10,000 to $50,000. This critical illness plan is an excellent and affordable stand alone add on for anyone who has enrolled in a plan with a high deductible or out of pocket expenses such as a short term plan or a Bronze or Silver plan. It’s also extra security for your family when your employer’s coverage is reduced!
Click here to learn more about this critical illness coverage.
National General: formerly Assurant, now offers an individual stand alone supplemental plans. This plan is a great addition to a bronze or silver plan for anyone with an active lifestyle. it’s affordable and will give you the security you need when your health benefits have large up front out of pocket costs.
Watch this short video to learn more about Critical illness Insurance
For Groups:
AFLAC: Aflac offers various gap and wrap solutions for individuals and groups. Ask us for specific details.
Colonial Life: Colonial Life offers a broad range of solutions for groups small and large including a medical bridge plan, hospital confinement, cancer and accident plan. Colonial Life solutions are flexible enough to be customized for your organization to better fit your needs. Click here to watch a short video about Colonial Life’s hospital confinement products.
TransConnect Gap Solution: A true GAP plan that integrates with your group medical coverage to cover those deductibles and coinsurance gaps. Click to learn more about the HealthPak TransConnect GAP
Humana Critical Illness & Cancer: The Humana Critical Illness and Cancer plan provides an immediate and significant flat amount cash benefit directly to an employee or family member when diagnosed with a critical illness or cancer. Click to learn more about the Humana CI and Cancer
Shelterpoint Hospital Cash Plan: The Hospital Cash plan can provide employees or their family members with a lump sum dollar amount per each day of an inpatient hospital stay and also covers intensive care stays or outpatient surgery. Click to learn more about the Hospital Cash Plan
What are Voluntary plans?
Voluntary plans are those products offered to employees through payroll deduction, at no cost to the employer. Watch a short video from about voluntary benefits from Humana:
Who are the most popular providers of these plans?
There are many insurance companies that provide these types of benefits. Each one has their strengths in different group sizes, industries and geographic areas. Total Benefit Solutions represents some of the leading companies in this arena including but not limited to:
Transamerica
Humana
First Rehab Life/Shelterpoint
Colonial Life
Armadacare
AFLAC
United Healthcare
Aetna
National General
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:44:33-05:00
https://totalbenefits.net/testimonials/petes-clown-house-luncheonette/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2019-01-07T13:15:39-05:00
Adam F
https://totalbenefits.net/testimonials/9886/
I've been getting my health insurance through Ed at Total Benefit Solutions and his team for the past few years. It has always been a great experience. I had the pleasure of speaking to Jennifer this evening to renew my coverage. I'm very appreciative of her advice and help. She made it very easy. -Reita B
Total Benefit Solutions Inc Health Insurance and Benefits
2018-05-29T09:45:52-04:00
Reita B
https://totalbenefits.net/testimonials/7927/
Greenwood Financial Services
I use Ed MacConnell for my company's health insurance needs and for my group short term disability policies. He is a true expert and has saved me large sums of money on my premiums!-Bob Lankin, Branch Manager at Greenwood Financial Services of Raymond James Financial
Total Benefit Solutions Inc Health Insurance and Benefits
2015-02-27T13:37:43-05:00
https://totalbenefits.net/testimonials/bob-lankin/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:49:33-05:00
https://totalbenefits.net/testimonials/grossman-public-relations/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-25T18:26:29-05:00
https://totalbenefits.net/testimonials/ltw-gentec/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-24T20:54:15-05:00
https://totalbenefits.net/testimonials/the-gannon-agency/
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.
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-24T20:21:15-05:00
https://totalbenefits.net/testimonials/ace-childcare/
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 IncTotal Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T10:06:28-05:00
https://totalbenefits.net/testimonials/aquareale/
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 Total Benefit Solutions Inc Health Insurance and Benefits
2015-02-02T13:47:26-05:00
https://totalbenefits.net/testimonials/associated-printing-graphics/
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.Harvey Friedrich, Executive Director, Beth Sholom Congregation
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T10:04:53-05:00
https://totalbenefits.net/testimonials/beth-sholom-congregation/
Cardinal International Grooving & Grinding
You and your staff have been nothing short of terrific in handling our medical insurance coverage, changes and renewals.-Linda Organski, Director of Human Resources
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:59:36-05:00
https://totalbenefits.net/testimonials/cardinal-international-grooving-grinding/
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.
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T10:02:52-05:00
https://totalbenefits.net/testimonials/bkz-contractors-inc/
Bryan Perchick
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T10:07:47-05:00
-Bryan Perchick
https://totalbenefits.net/testimonials/bryan-perchick/
Total Benefit Solutions Inc Health Insurance and Benefits
2022-02-06T17:15:35-05:00
https://totalbenefits.net/testimonials/21356/
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? Pete Altman, CEO
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-24T21:15:08-05:00
https://totalbenefits.net/testimonials/total-child-care/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:35:02-05:00
https://totalbenefits.net/testimonials/sign-a-rama-feasterville/
I was referred to this firm by a friend and they are the best of the best. I started working with Patty who was excellent in navigating me through a family health insurance plan. Now it’s time to build a group health plan for my business and working with Ed who spared a lot of time with me to get grounded on what to expect. These guys know premier customer service. Highly recommend this gem of a company! Jason
Total Benefit Solutions Inc Health Insurance and Benefits
2021-10-27T18:19:28-04:00
Jason W
https://totalbenefits.net/testimonials/19515/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:23:16-05:00
https://totalbenefits.net/testimonials/stephen-forbus/
I am so grateful for the amazing service!
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. He took his 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! Franklin S
Total Benefit Solutions Inc Health Insurance and Benefits
2017-12-31T09:21:57-05:00
Franklin S
https://totalbenefits.net/testimonials/i-am-so-grateful-for-the-amazing-service/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-02-02T13:44:42-05:00
https://totalbenefits.net/testimonials/van-dyne-insurance/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-25T18:31:43-05:00
https://totalbenefits.net/testimonials/netstride-internet-solutions/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:44:52-05:00
https://totalbenefits.net/testimonials/the-mcg-group/
We have used and have referred many of our clients to Ed MacConnell and his team at Total Benefit Solutions. In the complicated health insurance market of today’s world Ed makes selecting and managing health insurance as simple as possible. Time and time again, Total Benefit Solutions has been able to find cost effective quality health insurance for us and our clients. I highly recommend Total Benefit Solutions for all your health insurance needs.Joseph Pintimalli CPP
Presient
Simplifi Payroll & HR
Total Benefit Solutions Inc Health Insurance and Benefits
2017-04-13T12:03:33-04:00
Joseph P
https://totalbenefits.net/testimonials/4927/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:37:07-05:00
https://totalbenefits.net/testimonials/wolf-island-networks/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2016-02-26T18:37:55-05:00
https://totalbenefits.net/testimonials/kris-kreisher/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:57:44-05:00
https://totalbenefits.net/testimonials/coburn-myers-fastening-systems/
Greater Philadelphia Abstract
Ed and his team are an invaluable resource always available to answer questions/concerns.Susan Harrison, Principal, Greater Philadelphia Abstract Agency
Total Benefit Solutions Inc Health Insurance and Benefits
2015-02-02T21:00:44-05:00
https://totalbenefits.net/testimonials/greater-philadelphia-abstract/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:40:34-05:00
https://totalbenefits.net/testimonials/travel-authority/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T10:08:29-05:00
https://totalbenefits.net/testimonials/a-l-verna-company/
I’ve been working with Total Benefits Solutions for many years now. Every year they run the numbers for comparison of the prescription plans available to supplement my Medicare plan. She does a fantastic job, even recommending plans that don’t work with brokers (no commission to them). (they) found health care plans for me before I went on Medicare as well. Do yourself a favor. Call them. You will be glad you did! -Brenda M
Total Benefit Solutions Inc Health Insurance and Benefits
2021-10-27T18:15:41-04:00
Brenda M
https://totalbenefits.net/testimonials/19514/
" 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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-25T18:33:50-05:00
https://totalbenefits.net/testimonials/nozak-enterprises/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:41:26-05:00
https://totalbenefits.net/testimonials/travel-wizards/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:35:50-05:00
https://totalbenefits.net/testimonials/solomon-bread-rollskaplans-bakery/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2019-01-07T11:44:48-05:00
Gina D
https://totalbenefits.net/testimonials/9869/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2016-07-14T18:19:34-04:00
https://totalbenefits.net/testimonials/terry-farber/
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.
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-25T18:37:43-05:00
https://totalbenefits.net/testimonials/perfect-move-inc/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:34:11-05:00
https://totalbenefits.net/testimonials/shevlin-investments/
Many thanks to Maureen at Total Benefit Solutions, Inc for her patience, professionalism and thoroughness--she made the somewhat scary process of getting a Medicare supplement for my husband and me so much easier and less stressful!
Renie C
Total Benefit Solutions Inc Health Insurance and Benefits
2021-10-28T17:39:26-04:00
Renie C
https://totalbenefits.net/testimonials/19531/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:42:41-05:00
https://totalbenefits.net/testimonials/rms-services/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T10:01:18-05:00
https://totalbenefits.net/testimonials/bucks-county-center-for-independent-living/
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
.Total Benefit Solutions Inc Health Insurance and Benefits
2016-02-06T12:43:18-05:00
Christine Taylor: Self Employed
https://totalbenefits.net/testimonials/christine-taylor/
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.
Total Benefit Solutions Inc Health Insurance and Benefits
2018-05-29T09:40:21-04:00
Amy H
https://totalbenefits.net/testimonials/7924/
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 McIntyreTotal Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:24:16-05:00
https://totalbenefits.net/testimonials/bruce-mcintyre/
Totally Zen
Ed, Great follow up! Thanks again your service is incredible!!Stephanie Churchill, President
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:36:32-05:00
https://totalbenefits.net/testimonials/totally-zen/
Ed MacConnell with Total Benefit Solutions on Street Rd is great- highly recommend contacting him!
Brittany B
Total Benefit Solutions Inc Health Insurance and Benefits
2021-10-28T16:40:58-04:00
Brittany B
https://totalbenefits.net/testimonials/19526/
Helped our family with all the switching around, so we where never without health insurance benefits or lacked in care.
Total Benefit Solutions Inc Health Insurance and Benefits
2019-01-07T13:05:55-05:00
Molly K
https://totalbenefits.net/testimonials/9882/
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)
Total Benefit Solutions Inc Health Insurance and Benefits
2015-02-02T21:00:40-05:00
https://totalbenefits.net/testimonials/chris-handley/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-02-02T21:04:03-05:00
https://totalbenefits.net/testimonials/sales-pros-4-hire/
Bucks County Women’s Healthcare