Plan Documents

Many small companies simply do not take advantage of tax advantaged programs to help reduce their benefit costs. Programs such as Flexible Spending Accounts (FSA), Health Reimbursement Arrangements (HRA) Dependent Care Accounts (DDC) and Transit Accounts are often inexpensive to set up and maintain.

Still others, go ahead and “bake their own” plans without the required plan documents, which will get you in tax trouble! At Total Benefit Solutions Inc we want to help you, our clients, stay compliant!

The IRS Code has numerous provisions designed to help employers provide essential benefits to their employees tax-free. This saves the employee approximately 30% in income taxes on expenses they’re already paying for, and because the employees have reduced their taxable income, the employer realizes a reduced matching payroll tax liability of approximately 8%. Everybody saves money. To take advantage of these tax deductions the IRS requires that the employer have a written plan document and the Department of Labor and ERISA law require that every employee receive a summary plan description (SPD) explaining the new benefit in easy to understand language.

By clicking on the link ,this site will walk you through the process online, generate your compliant documents, and send it to you, quickly. Click here to access our plan document generator
 

 

Available Documents Include:

Section 125 Cafeteria Plans
Section 125 Premium Only Plans
Health FSA for Medical Expenses
Dependent Care Assistance FSA
Health Savings Accounts – HSA
Health Reimbursement Arrangements – HRA
Section 105 Self-Employed HRA
Section 132 Transit & Parking plans

ERISA WRAP SPD DOCUMENTS<—–NEW

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

They really know what they are doing



 

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

Carol Woytus, Vacation Magic Travel

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

Carol Woytus, Vacation Magic Travel

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

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

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


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

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

Totally Zen

lquoteEd, Great follow up! Thanks again your service is incredible!!

Stephanie Churchill, PresidentRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:36:32-05:00
Ed, Great follow up! Thanks again your service is incredible!! Stephanie Churchill, 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.

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

American Dream Financing

lquoteI 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 FinancingRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-02-02T21:00:54-05:00
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

Tom & Geri’s World Travel

lquoteEven 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, PresidentRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:41:58-05:00
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

Pete’s Clown House Luncheonette

lquoteEd MacConnell and his team make me feel like I’m their only customer! Whenever I need help they’re ready, willing and able. It makes it easier to focus more on keeping my restaurant profitable and smooth.

Ron Bordone-PresidentRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:44:33-05:00
Ed MacConnell and his team make me feel like I’m their only customer! Whenever I need help they’re ready, willing and able. It makes it easier to focus more on keeping my restaurant profitable and smooth. Ron Bordone-President




"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.



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

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!  


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

Paige Wolf Media & Public Relations



 

Ed and his team put up with all my health insurance panic and drama! In this crazy world of health insurance mania, it's helpful to have someone to put things into perspective - and find you coverage you can live with.  

Paige Wolf, President Paige Wolf Media and Public Relations

 

Total Benefit Solutions Inc Health Insurance and Benefits
2017-12-31T09:25:42-05:00

Paige Wolf, President Paige Wolf Media and Public Relations

 

in this crazy world of health insurance mania, it's helpful to have someone to put things into perspective

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


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

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

Ace Childcare

lquote“Ed is not only knowledgable about what he does, he educates his clients along the way.When starting my first company Ed was there from beginning to end. Ed is a valued business associate and friend. When you hire Ed he becomes your partner every step of the way!”

David Ozeroff, President Ace Childcare Inc.Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-24T20:21:15-05:00
Ed is not only knowledgable about what he does, he educates his clients along the way

Bucks County Center for Independent Living

lquote“Ed MacConnell and his team consistently provide excellent advice and customer service. He is trustworthy, organized and responsive to our needs. In addition, we get the best product and service for a reasonable price. He listens to us and comes up with solutions. I am never disappointed.”

Ginny Fiorintine, Exective DirectorRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T10:01:18-05:00
“Ed MacConnell and his team consistently provide excellent advice and customer service. He is trustworthy, organized and responsive to our needs. In addition, we get the best product and service for a reasonable price. He listens to us and comes up with solutions. I am never disappointed.” Ginny Fiorintine, Exective Director

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

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

Total Benefit Solutions Inc Health Insurance and Benefits
2017-12-31T09:21:57-05:00

Ariel Muller

I am so grateful for the amazing service!

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.

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

Coburn Myers Fastening Systems

 lquoteThis 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, ControllerRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:57:44-05:00
 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

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.

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  

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

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


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 Mendla (CGM Systems)

Total Benefit Solutions Inc Health Insurance and Benefits
2018-05-29T09:37:36-04:00
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 Mendla (CGM Systems)

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.

Very knowledgeable and experienced.


-John K. 

Total Benefit Solutions Inc Health Insurance and Benefits
2019-01-07T13:03:42-05:00
Very knowledgeable and experienced. -John K. 

Nozak Enterprises

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 Gross, 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 Gross, President Nozak Enterprises, DBA Supercuts


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


Total Benefit Solutions Inc Health Insurance and Benefits
5
2019-01-07T11:57:50-05:00
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

Uncle Bill’s Country Market

lquoteComing from a lifetime of employment I had no idea what was involved in setting up our new business, or our new insurance plans. Ed took the time to help us understand and make a choice. He even helped me get the business set up with referrals to valuable resources. Thanks Ed!

– Bill Smith, PresidentRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:39:44-05:00
Coming from a lifetime of employment I had no idea what was involved in setting up our new business, or our new insurance plans. Ed took the time to help us understand and make a choice. He even helped me get the business set up with referrals to valuable resources. Thanks Ed! – Bill Smith, President

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
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

AquaReale

lquoteEd 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 IncRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T10:06:28-05:00
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 Inc

Associated Printing & Graphics

lquoteEd is our medical benefits insurance agent. Ed and his staff have provided terrific service and cost effective options year after year. He really cares about providing the best coverage for his clientele. I highly recommend the Total Benefit Solutions, Inc. for all your group medical insurance needs! Don Rubin-President of Associated Printing & Graphics Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-02-02T13:47:26-05:00
Ed is our medical benefits insurance agent. Ed and his staff have provided terrific service and cost effective options year after year. He really cares about providing the best coverage for his clientele. I highly recommend the Total Benefit Solutions, Inc. for all your group medical insurance needs! Don Rubin-President of Associated Printing & Graphics 

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

RMS Services

lquoteYour 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, PresidentRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:42:41-05:00
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

Art 4 Business

lquote"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

Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-19T09:46:49-05:00
Since Ed and his team at started handling our account, we have saved money each year

Riverside Physical Therapy

lquoteI 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 Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:43:27-05:00
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

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.

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 

Total Benefit Solutions Inc Health Insurance and Benefits
5
2019-01-07T12:08:06-05:00
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 

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

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

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