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.
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
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:
First Rehab Life/Shelterpoint
Bonnie Greisler, President of The Men and Boy's Store
Zola Makrauer DMD
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
Amy H- Individual Client on the healthcare.gov marketplace
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!!!! 🙂
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
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.
Helped our family with all the switching around, so we where never without benefits or lacked in care.
Matt Deeter, President LTW Gentec
Associated Printing & Graphics
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
Netstride Internet Solutions
Gregory Tarallo, President Netstride Internet Solutions
Superior Commercial Kitchens
Frank Livolsi, President-Superior Commercial Kitchens
They really know what they are doing
Carol Woytus, Vacation Magic Travel
BKZ Contractors Inc.
Brian Zeldes, President BKZ Contractors Inc.
Amy Murray Hyde, Account Representative, CBDI, Inc.
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
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
Arlene Blosch, President
Wolf Island Networks
John Rodia, President
David Ozeroff, President Ace Childcare Inc.
Christine Taylor: Self Employed
Riverside Physical Therapy
Joe Tomasetti, President Riverside Physical Therapy
The Gannon Agency
Steve Gannon, President , The Gannon Agency
Bob Flemming, President
Ed and his team have been great with finding us the right plans at the right price. He is always available to answer questions and works with us to achieve our goals. -Adam F
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
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!
Bucks County Center for Independent Living
Ginny Fiorintine, Exective Director
Prodigy Learning Center
Christine Viteo, R.N. Executive Director, Prodigy Learning Center Philadelphia.
Very knowledgeable and experienced.
Coburn Myers Fastening Systems
Ted Harp, Controller
Highly recommend. They took the time even when it was the busiest time of year for healthcare. They explained the details patiently to help stream the process painlessly.
As a commercial realtor I spend 90% of my time on the road and do not find myself at a desk very often. Having Total Benefit Solutions, Inc. as my broker makes the task simple, fast and to the point. And I never waste time on hold with the insurance company any longer. Thanks again Ed and Total Benefit Solutions Inc!
David Fiebert Inc
-David Fiebert, President
Bucks County Women’s Healthcare
Beth Sholom Congregation
Harvey Friedrich, Executive Director, Beth Sholom Congregation
Tom & Geri’s World Travel
Tom Mellon, President
Grossman Public Relations
S&S Sign Company
Gina Seibel, Vice President S&S Signs
Pete’s Clown House Luncheonette