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
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/
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/
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/
Superior Commercial Kitchens
“I have never had a better benefits broker in 45 years of business. Ed has saved my company,tens of thousands of dollars per year and continues to earn every dollar every year, always placing the client before the commission. His office staff is helpful whenever a benefit question or problem arises. I would not even think twice about hiring Total Benefit Solutions Inc. for handling company benefits.”Frank Livolsi, President-Superior Commercial Kitchens
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-24T20:41:29-05:00
https://totalbenefits.net/testimonials/superior-commercial-kitchens/
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/
Please call Total Benefit Solutions it's free and experienced health insurance people help you 215 355 2121 ask for Maureen!
Joyce C
Total Benefit Solutions Inc Health Insurance and Benefits
2021-10-28T17:34:33-04:00
Joyce C
https://totalbenefits.net/testimonials/19529/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-02-02T21:00:54-05:00
https://totalbenefits.net/testimonials/american-dream-financing/
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/
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/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:53:00-05:00
https://totalbenefits.net/testimonials/dr-franklin-strong/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:43:27-05:00
https://totalbenefits.net/testimonials/riverside-physical-therapy/
S&S Sign Company
I just received a refund check today from Aetna for our Hailey’s emergency claim. Thank you and your staff for all your help in getting this matter resolved, otherwise I may have just given up!Gina Seibel, Vice President S&S Signs
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:26:57-05:00
https://totalbenefits.net/testimonials/ss-sign-company/
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/
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'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/
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/
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/
Ed and his team at Total Benefit Solutions have really helped me through a difficult time with health insurance. Thanks to them, I have short term health insurance to hold me over until my job search is successful.
-Chris M President (CGM Systems)
Total Benefit Solutions Inc Health Insurance and Benefits
2018-05-29T09:37:36-04:00
Chris M
https://totalbenefits.net/testimonials/7922/
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/
Webucast
Ed is always quick to return a phone call. His company provides great service and has saved me thousands of dollars throughout the years. Thanks Ed!Igor Bogdanov, Principal, Webucast
Total Benefit Solutions Inc Health Insurance and Benefits
2015-02-02T21:00:50-05:00
https://totalbenefits.net/testimonials/webucast/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-24T20:32:14-05:00
https://totalbenefits.net/testimonials/amy-h/
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/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T10:00:30-05:00
https://totalbenefits.net/testimonials/caddick-construction/
Thank you and your staff for getting back to me so quickly with a resolution to our problem. Yes, You guys are great!Lisa K, President Angelmark Associates
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-19T09:35:32-05:00
https://totalbenefits.net/testimonials/angelmark-associates/
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!
Total Benefit Solutions Inc Health Insurance and Benefits
2017-12-31T09:14:39-05:00
Amy H
https://totalbenefits.net/testimonials/over-and-above-the-call-of-duty/
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/
Rachael Cappella
Ed MacConnell
Total Benefit Solutions Inc Health Insurance and Benefits
2016-02-06T12:38:58-05:00
https://totalbenefits.net/testimonials/rachael-cappella/
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/
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/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:41:58-05:00
https://totalbenefits.net/testimonials/tom-geris-world-travel/
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 
Total Benefit Solutions Inc Health Insurance and Benefits
2016-02-08T09:59:24-05:00
Bonnie Greisler, President of The Men and Boy's Store
https://totalbenefits.net/testimonials/bonnie-greisler/
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/
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/
Total Benefit Solutions Inc Health Insurance and Benefits
2022-02-06T17:15:35-05:00
https://totalbenefits.net/testimonials/21356/
J
Jennifer helped me figure out the best health insurance options and made the whole process easy and effortless. Thank you!
Total Benefit Solutions Inc Health Insurance and Benefits
2019-01-07T13:11:24-05:00
Orly
https://totalbenefits.net/testimonials/9885/
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/
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/
Through all my health 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 W.
Total Benefit Solutions Inc Health Insurance and Benefits
2019-01-07T12:00:37-05:00
https://totalbenefits.net/testimonials/9871/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-19T09:46:49-05:00
https://totalbenefits.net/testimonials/art-4-business/
Tristar Lighting
Your service and responsiveness is incredible. I’ve never had a better insurance broker!David Zarrinnia, President
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:38:35-05:00
https://totalbenefits.net/testimonials/tristar-lighting/
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/
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! -Deb H
Total Benefit Solutions Inc Health Insurance and Benefits
2019-01-07T13:08:47-05:00
Deb H
https://totalbenefits.net/testimonials/9884/
Zola Makrauer DMD
Ed is an expert in health insurance. I am a health care provider myself and I know how difficult this business can be. He is knowledgeable with all of the health insurance companies in our area. If you are looking for health insurance I would not pass up Ed for a quote he is great for single plans as well as plans for groups for business owners. Zola Makrauer DMD Total Benefit Solutions Inc Health Insurance and Benefits
2015-02-09T07:53:06-05:00
https://totalbenefits.net/testimonials/zola-makrauer-dmd/
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/
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/
Media Components
Ed MacConnell always strives to go one step ahead of the competition by providing superb customer service at his firm. His personality and friendly approach to all challenges make him stand out from other Insurance Brokers. Ed is a true networking guru and community benefactor and I would recommend his services to all of my friends and colleagues.”Denis Sinelkov-President Media Components
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-24T21:02:49-05:00
https://totalbenefits.net/testimonials/media-components/
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/
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/
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