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.

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

 


 



 

There aren’t enough words to describe how amazing Ed and Patty are. Not only are they wonderful people, they are amazing insurance agents.-MollyThomas         
Total Benefit Solutions Inc Health Insurance and Benefits
2022-02-06T17:13:26-05:00
    There aren’t enough words to describe how amazing Ed and Patty are. Not only are they wonderful people, they are amazing insurance agents.-MollyThomas         

The Gannon Agency

lquote“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 Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-24T20:54:15-05:00
"Total Benefit Solutions is the best

Dr Franklin Strong

lquote-grn

Thank you for you great assistance and explanations through this insurance maze for Nancy and I….click here to read the letter from Dr StrongRquote-grn
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:53:00-05:00
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

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


Adam F

Total Benefit Solutions Inc Health Insurance and Benefits
2019-01-07T13:15:39-05:00

Adam F

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

CBDI, Inc

lquoteEd is the most innovative and communication oriented broker that I have ever had the pleasure of working with. He has the most sophisticated software to service his client book of business, so that he doesn't miss a beat! Ed and I have worked together on many presentations and with various associations. He shares a true passion for helping clients small and large, which I do not find in many brokers. He is a dedicated member of the Board at the Lower Bucks County Chamber of Commerce, not to mention his many public service roles in Rotary, etc...I admire his ability to find time to help so many people!

Amy Murray Hyde, Account Representative, CBDI, Inc.Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-02-02T21:00:34-05:00
Ed is the most innovative and communication oriented broker that I have ever had the pleasure of working with. He has the most sophisticated software to service his client book of business, so that he doesn't miss a beat! Ed and I have worked together on many presentations and with various associations. He shares a true passion for helping clients small and large, which I do not find in many brokers. He is a dedicated member of the Board at the Lower Bucks County Chamber of Commerce, not to mention his many public service roles in Rotary, etc...I admire his ability to find time to help so many people! Amy Murray Hyde, Account Representative, CBDI, Inc.

Excel Capital Funding

 lquoteI knew you were the best. Thank you very much for all your help with my benefits!

Ricky Boone, President-Excel Capital Funding LLCRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:51:33-05:00
 I knew you were the best. Thank you very much for all your help with my benefits! Ricky Boone, President-Excel Capital Funding LLC

Christine Taylor

lquote

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 ownRquote.

Christine Taylor: Self Employed

Total Benefit Solutions Inc Health Insurance and Benefits
2016-02-06T12:43:18-05:00

Christine Taylor: Self Employed

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.

Solomon Bread & Rolls/Kaplan’s Bakery

lquoteI 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-PresidentRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:35:50-05:00
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

A.L. Verna & Company

lquote

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, PresidentRquote

 
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T10:08:29-05:00
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  


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.

Ariel M

Total Benefit Solutions Inc Health Insurance and Benefits
2018-05-29T09:43:15-04:00

Ariel M

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.

Total Child Care

lquoteI'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, CEORquote

Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-24T21:15:08-05:00
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

Greenwood Financial Services

lquote-grnI 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!

Rquote-grn
-Bob Lankin, Branch Manager at Greenwood Financial Services of Raymond James Financial
Total Benefit Solutions Inc Health Insurance and Benefits
4
2015-02-27T13:37:43-05:00
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

Terry Farber

lquoteI 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 AttorneyRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2016-07-14T18:19:34-04:00
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

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


Fibrenew

Total Benefit Solutions Inc Health Insurance and Benefits
5
2019-01-07T12:09:49-05:00

Fibrenew

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

Rachael Cappella

lquote-grn


Ed MacConnell was extremely patient and helpful when assisting me in choosing the health insurance that was right for me.... He was very knowledgeable about different options and took time to answer all my questions. Total Benefit Solutions is definitely the place to call for your health insurance needs.Rquote-grn

 
Total Benefit Solutions Inc Health Insurance and Benefits
5
2016-02-06T12:38:58-05:00
Total Benefit Solutions is definitely the place to call for your health insurance needs.

Caddick Construction

lquoteI 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 ConstructionRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T10:00:30-05:00
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


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

Gina D

Total Benefit Solutions Inc Health Insurance and Benefits
5
2019-01-07T11:44:48-05:00

Gina D

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
5
2022-02-06T17:15:35-05:00
I picked Total Benefit Solutions based off their google reviews and I'm glad that I did. Patty was great, very informative and helped me switch my insurance plan and made it super easy. If you're not sure about what insurance plans are available to you I highly recommend reaching out to them. -Tasha G

Sign-A-Rama-Feasterville

lquote“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, PresidentRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:35:02-05:00
“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

Travel Wizards

lquoteEven 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, PresidentRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:41:26-05:00
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

Kris Kreisher

lquoteWe 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!!!! 🙂     Rquote


-Kris Kreisher

Total Benefit Solutions Inc Health Insurance and Benefits
2016-02-26T18:37:55-05:00
I am so glad I found you a couple years ago!!!! 🙂




"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.



Margaret F

Total Benefit Solutions Inc Health Insurance and Benefits
2018-07-31T12:50:58-04:00

Margaret F

"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.

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

Jason W

Total Benefit Solutions Inc Health Insurance and Benefits
2021-10-27T18:19:28-04:00

Jason W

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

They really know what they are doing



 

They really know what they are doing with Medicare health insurance and will take great care of you!
Carol W

Carol W

Total Benefit Solutions Inc Health Insurance and Benefits
2017-12-31T09:11:31-05:00

Carol W

They really know what they are doing and will take great care of you!

Wolf Island Networks

lquoteIt 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 Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:37:07-05:00
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

LTW Gentec

lquoteYour team and your approach to service are the best! Thank you for helping us every year with our benefit programs!-

Matt Deeter, President LTW GentecRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-25T18:26:29-05:00
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

Prodigy Learning Center

lquote"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.Rquote


Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-24T20:47:16-05:00


I just wanted to let you know how great Rochelle has been with our insurance issues.

Lou Grossman

lquote-grnEd 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 RelationsRquote-grn
Total Benefit Solutions Inc Health Insurance and Benefits
2016-05-05T17:54:09-04:00
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

Perfect Move Inc

lquoteAmber 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.Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-25T18:37:43-05:00
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.

Tristar Lighting

lquoteYour service and responsiveness is incredible. I’ve never had a better insurance broker!

David Zarrinnia, President Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:38:35-05:00
Your service and responsiveness is incredible. I’ve never had a better insurance broker! David Zarrinnia, President

I have been using this office for quite a number of years for my individual medical insurance. I recently "graduated" to Medicare and quite frankly, I was dreading it. What I was reading online was more confusing than not. Maureen is a true gem! She is professional, takes the time and care to discuss the options, and the ease in her delivery was so easy to understand. And, she gets back to you quickly. I never had to wait more than a day to hear back from her.

 

Dee K
Total Benefit Solutions Inc Health Insurance and Benefits
5
2022-06-17T15:57:12-04:00
I have been using this office for quite a number of years for my individual medical insurance. I recently "graduated" to Medicare and quite frankly, I was dreading it. What I was reading online was more confusing than not. Maureen is a true gem! She is professional, takes the time and care to discuss the options, and the ease in her delivery was so easy to understand. And, she gets back to you quickly. I never had to wait more than a day to hear back from her.   Dee K


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

Reita B

Total Benefit Solutions Inc Health Insurance and Benefits
2018-05-29T09:45:52-04:00

Reita B

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

lquote" 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


Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-25T18:33:50-05:00
" 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

Bruce McIntyre

lquote-grnEd, 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 McIntyreRquote-grn
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:24:16-05:00
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

Bucks County TMA

When we hired EMA we discovered that we could save money and also reduce our premiums. Each year when we review our renewal, Ed always finds a way to keep our costs down, and often our benefits up. Thank you Ed MacConnell and EMA Group Inc!(Total Benefit Solutions Inc.)  Bill Rickett, Executive Director
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T10:01:55-05:00
When we hired EMA we discovered that we could save money and also reduce our premiums. Each year when we review our renewal, Ed always finds a way to keep our costs down, and often our benefits up. Thank you Ed MacConnell and EMA Group Inc!(Total Benefit Solutions Inc.)  Bill Rickett, Executive Director

Shevlin Investments

lquoteEd 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 Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:34:11-05:00
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


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)

Chris M

Total Benefit Solutions Inc Health Insurance and Benefits
2018-05-29T09:37:36-04:00

Chris M

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)

Van Dyne Insurance

lquoteI 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 AgencyRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-02-02T13:44:42-05:00
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

Cardinal International Grooving & Grinding

lquoteYou and your staff have been nothing short of terrific in handling our medical insurance coverage, changes and renewals.

-Linda Organski, Director of Human ResourcesRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:59:36-05:00
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

Bryan Perchick

lquoteAs 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!  Rquote

-Bryan Perchick

Total Benefit Solutions Inc Health Insurance and Benefits
4
2015-01-26T10:07:47-05:00

-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!  

Grossman Public Relations

lquoteAs 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-PresidentRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:49:33-05:00
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

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.

Amy H

Total Benefit Solutions Inc Health Insurance and Benefits
2018-05-29T09:40:21-04:00

Amy H

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.

Media Components

lquoteEd 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

Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-24T21:02:49-05:00
I would recommend his services to all of my friends and colleagues

Bucks County Women’s Healthcare

lquoteOur ten employee medical practice had a large well known insurance broker for years. We always assumed we were receiving the best service. Total Benefit Solutions Inc. came in and left no stone unturned in their evaluation. The savings they provided was equal to 50% of what we were previously paying. In addition we wound up with better medical and dental plans and an overall enhanced benefit program. We couldn’t be more thrilled with the services of Total Benefit Solutions, Inc. Thanks Ed!”

-Carmela Gabrieli Controller, Bucks County Women's HealthcareRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-24T20:23:05-05:00
Total Benefit Solutions Inc. came in and left no stone unturned in their evaluation

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

Brenda M

Total Benefit Solutions Inc Health Insurance and Benefits
2021-10-27T18:15:41-04:00

Brenda M

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


Please call Total Benefit Solutions it's free and experienced health insurance people help you 215 355 2121 ask for Maureen!


Joyce C

Joyce C

Total Benefit Solutions Inc Health Insurance and Benefits
2021-10-28T17:34:33-04:00

Joyce C

Please call Total Benefit Solutions it's free and experienced health insurance people help you 215 355 2121 ask for Maureen! Joyce C

Highly recommend Total Benefit Solutions... unbelievable great service
David M

David M

Total Benefit Solutions Inc Health Insurance and Benefits
2021-10-28T17:31:47-04:00

David M

Highly recommend Total Benefit Solutions... unbelievable great service David M

Damar Communications

lquoteWhen 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: Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:56:29-05:00
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: 

Superior Commercial Kitchens

lquote“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 

Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-24T20:41:29-05:00
I would not even think twice about hiring Total Benefit Solutions Inc

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
5
2019-01-07T12:00:37-05:00
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.

Netstride Internet Solutions

lquoteThe 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 SolutionsRquote

 

Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-25T18:31:43-05:00

 

Their patient guidance allowed us to pick a plan that we feel best meets the needs of our business and employees.

BKZ Contractors Inc.

lquoteI 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.Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
5
2015-01-26T10:02:52-05:00
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.

Bonnie Greisler

lquoteThank 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 Rquote

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

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

I am very appreciative for your expertise and knowledge!

Zola Makrauer DMD

lquoteEd 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 Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-02-09T07:53:06-05:00
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

Sales Pros 4 Hire

lquoteEspecially 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 HireRquote
Total Benefit Solutions Inc Health Insurance and Benefits
5
2015-02-02T21:04:03-05:00
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

Chris Handley

lquote