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
Angelmark Associates

Lisa Kruse, President Angelmark Associates

Helped our family with all the switching around, so we where never without benefits or lacked in care.
RMS Services

Frank McCafferty, President

Stephen Forbus

Stephen Forbus

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
Amy Huber, client
Wolf Island Networks

John Rodia, President

Media Components

Denis Sinelkov-President Media Components

LTW Gentec

Matt Deeter, President LTW Gentec

Zola Makrauer DMD



"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.
Excel Capital Funding

Ricky Boone, President-Excel Capital Funding LLC

Paige Wolf Media & Public Relations
Solomon Bread & Rolls/Kaplan’s Bakery

Jeff Solomon-President

Caddick Construction

David Caddick, President of Caddick Construction

Perfect Move Inc

Bob Simons, Vice President of Perfect Move, Inc.

Total Child Care


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
The MCG Group

Steve Young, Managing Partner

Uncle Bill’s Country Market

– Bill Smith, President

Superior Commercial Kitchens

Frank Livolsi, President-Superior Commercial Kitchens

Prodigy Learning Center

Christine Viteo, R.N. Executive Director, Prodigy Learning Center Philadelphia.

Sign-A-Rama-Feasterville

Bob Flemming, President

Rachael Cappella

Associated Printing & Graphics


Bruce McIntyre


Ed and his staff have helped my husband and myself with our insurance for years. Great people to work with and extremely knowledgeable. - Kathleen Broderick
Bonnie Greisler


Bonnie Greisler, President of The Men and Boy's Store
Bonnie Greisler, President of The Men and Boy's Store
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
Ace Childcare

David Ozeroff, President Ace Childcare Inc.

Bucks County Center for Independent Living

Ginny Fiorintine, Exective Director

Art 4 Business

Heather Gibson, COO, Art 4 Business Inc

Lou Grossman
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
Christine Taylor: Self Employed
Travel Wizards

Arlene Blosch, President

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
J

Jennifer helped me figure out the best options and made the whole process easy and effortless. Thank you!
Shevlin Investments

Barry Shevlin, President

Amy H

Amy H- Individual Client on the healthcare.gov marketplace

Cardinal International Grooving & Grinding

-Linda Organski, Director of Human Resources

Sales Pros 4 Hire

Mike Hilbert, President, Sales Pros 4 Hire

Riverside Physical Therapy

Joe Tomasetti, President Riverside Physical Therapy

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

The staff at Total Benefit Solutions are knowledgeable and helpful. They've been a great partner to help me navigate health insurance for my senior mother. Anytime I've had a question or concern, Ed has been there to consult with and offer advice. I highly recommend them!
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

Webucast

Igor Bogdanov, Principal, Webucast

Netstride Internet Solutions

Gregory Tarallo, President Netstride Internet Solutions

Bucks County TMA
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
AquaReale


Greater Philadelphia Abstract

Susan Harrison, Principal, Greater Philadelphia Abstract Agency

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!

Ariel Muller
Ariel Muller
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.
David Fiebert Inc

-David Fiebert, President

S&S Sign Company

Gina Seibel, Vice President S&S Signs

BKZ Contractors Inc.

Brian Zeldes, President BKZ Contractors Inc.


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.
-Gina DeSumma
Tristar Lighting

David Zarrinnia, President

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

They really know what they are doing
Carol Woytus, Vacation Magic Travel
Carol Woytus, Vacation Magic Travel
Beth Sholom Congregation


Harvey Friedrich, Executive Director, Beth Sholom Congregation
Coburn Myers Fastening Systems

Ted Harp, Controller

Damar Communications

Dave Margolis, President Damar Communications:

Pete’s Clown House Luncheonette

Ron Bordone-President

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
Terry Farber

-Terry Farber, Elder Law Attorney

Bucks County Women’s Healthcare


American Dream Financing

Brett Stern, Principal-American Dream Financing

Tom & Geri’s World Travel

Tom Mellon, President

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

Totally Zen

Stephanie Churchill, President

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
Nozak Enterprises

Jeff Gross, President Nozak Enterprises, DBA Supercuts

Bryan Perchick
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!
-Bryan Perchick
-Bryan Perchick
Chris Handley

Chris Handley, Account Executive Savoy & Associates (United Healthcare)

The Gannon Agency

Steve Gannon, President , The Gannon Agency

Greenwood Financial Services


-Bob Lankin, Branch Manager at Greenwood Financial Services of Raymond James Financial
Grossman Public Relations

Lou Grossman-President

CBDI, Inc

Amy Murray Hyde, Account Representative, CBDI, Inc.

As always call your Total Benefit Solutions account manager today at (215)355-2121 if you would like more information about these types of programs for your family or your organization.
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