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
Amy H

Amy H- Individual Client on the healthcare.gov marketplace

Chris Handley

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


Lisa K, President Angelmark Associates

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
Netstride Internet Solutions

Gregory Tarallo, President Netstride Internet Solutions

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
Fibrenew
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
Chris M
Associated Printing & Graphics


Beth Sholom Congregation


Harvey Friedrich, Executive Director, Beth Sholom Congregation
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

Sign-A-Rama-Feasterville

Bob Flemming, President

David M
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.

"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
Margaret F
Sales Pros 4 Hire

Mike Hilbert, President, Sales Pros 4 Hire

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
Deb H
Deb H
" 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

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
Reita B

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
Gina D
Total Child Care




-Brenda M
Brenda M
Brenda M
Pete’s Clown House Luncheonette

Ron Bordone-President

Media Components

Denis Sinelkov-President Media Components

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
Carol W
Cardinal International Grooving & Grinding

-Linda Organski, Director of Human Resources

Caddick Construction

David Caddick, President of Caddick Construction

BKZ Contractors Inc.

Brian Zeldes, President BKZ Contractors Inc.

Travel Wizards

Arlene Blosch, President

American Dream Financing

Brett Stern, Principal-American Dream Financing

LTW Gentec

Matt Deeter, President LTW Gentec

Greenwood Financial Services


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

Lou Grossman-President

Tristar Lighting

David Zarrinnia, President

Bucks County Women’s Healthcare


Rachael Cappella

The MCG Group

Steve Young, Managing Partner


Joseph Pintimalli CPP
Presient
Simplifi Payroll & HR

Joseph P
Joseph P
Totally Zen

Stephanie Churchill, 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

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

Franklin S
Franklin S
Bucks County Center for Independent Living

Ginny Fiorintine, Exective Director



Jason
Jason W
Jason W
Lou Grossman
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
Ed and his staff have helped my husband and myself with our health insurance for years. Great people to work with and extremely knowledgeable about health insurance and Medicare supplements. - Kathleen B
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
Amy H
Prodigy Learning Center

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

Excel Capital Funding

Ricky Boone, President-Excel Capital Funding LLC

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
Ariel M
Damar Communications

Dave Margolis, President Damar Communications:

Greater Philadelphia Abstract

Susan Harrison, Principal, Greater Philadelphia Abstract Agency

Perfect Move Inc

Bob Simons, Vice President of Perfect Move, Inc.

J

Jennifer helped me figure out the best health insurance options and made the whole process easy and effortless. Thank you!
Orly
Orly
AquaReale



-Tasha G

Helped our family with all the switching around, so we where never without health insurance benefits or lacked in care.
Molly K
Molly K
Bonnie Greisler


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

RMS Services

Frank McCafferty, President

Stephen Forbus

Stephen Forbus

Zola Makrauer DMD


Bucks County TMA
John K
John K
Solomon Bread & Rolls/Kaplan’s Bakery

Jeff Solomon-President

Dee K
Art 4 Business

Heather Gibson, COO, Art 4 Business Inc

Webucast

Igor Bogdanov, Principal, Webucast

Bruce McIntyre


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
Adam F
CBDI, Inc

Amy Murray Hyde, Account Representative, CBDI, Inc.

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 H
Amy H
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
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
Joyce C

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

Riverside Physical Therapy

Joe Tomasetti, President Riverside Physical Therapy

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
Renie C
Renie C
S&S Sign Company

Gina Seibel, Vice President S&S Signs

Superior Commercial Kitchens

Frank Livolsi, President-Superior Commercial Kitchens

Tom & Geri’s World Travel

Tom Mellon, President

Brittany B
Brittany B
Wolf Island Networks

John Rodia, President

David Fiebert Inc

-David Fiebert, President

Ace Childcare

David Ozeroff, President Ace Childcare Inc.

Shevlin Investments

Barry Shevlin, President

The Gannon Agency

Steve Gannon, President , The Gannon Agency

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
Coburn Myers Fastening Systems

Ted Harp, Controller

Uncle Bill’s Country Market

– Bill Smith, President

Terry Farber

-Terry Farber, Elder Law Attorney

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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