Health Reform

We’ve attempted to provide a central location for all your healthcare reform, PPACA or Obamacare needs. Please let us know directly at (215)355-2121 if you need any additional information.

FAQ’s on Health Care Reform Of course there are more questions than ever when it comes to health care reform. We have compiled the most frequently asked questions and simple answers for your convenience. For more detailed answers, please call your Total Benefit Solutions Advisor at (215)355-2121
	Think HR Comply A subscription service provided by Total Benefit Solutions for our clients. It’s is a comprehensive compilation of questions, answers, calculators, documents, videos and forms that can answer most questions about the PPACA and how it affects you or your business.
Subsidy Calculator Click here to find out if you qualify for a subsidy under healthcare reform. Do you qualify for a cost sharing subsidy, a premium subsidy or both? This handy tool will tell you!
	Our News Bulletins More complete updates and stories on the PPACA healthcare reform topics and issues that most of our clients need to deal with now and in the near future. Updated often so keep checking back.
Healthcare Reform: Videos Easy to watch and learn video collection
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 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) https://totalbenefits.net/testimonials/chris-handley/ 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 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 https://totalbenefits.net/testimonials/grossman-public-relations/ 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 2018-05-29T09:40:21-05:00 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. https://totalbenefits.net/testimonials/7924/ 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 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 https://totalbenefits.net/testimonials/ss-sign-company/ Pete’s Clown House Luncheonette 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 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 https://totalbenefits.net/testimonials/petes-clown-house-luncheonette/ 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 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 https://totalbenefits.net/testimonials/caddick-construction/ 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 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!!!! 🙂 https://totalbenefits.net/testimonials/kris-kreisher/ 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 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 https://totalbenefits.net/testimonials/cardinal-international-grooving-grinding/ 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 https://totalbenefits.net/testimonials/in-this-crazy-world-of-health-insurance-mania-its-helpful-to-have-someone-to-put-things-into-perspective/ 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 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! https://totalbenefits.net/testimonials/bonnie-greisler/ The Gannon Agency “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 Total Benefit Solutions Inc Health Insurance and Benefits 2015-01-24T20:54:15-05:00 "Total Benefit Solutions is the best https://totalbenefits.net/testimonials/the-gannon-agency/ 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 5.0 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 https://totalbenefits.net/testimonials/9870/ 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! https://totalbenefits.net/testimonials/6287/ 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 Inc 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 https://totalbenefits.net/testimonials/aquareale/ Rachael Cappella 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. Total Benefit Solutions Inc Health Insurance and Benefits 5.0 2016-02-06T12:38:58-05:00 Total Benefit Solutions is definitely the place to call for your health insurance needs. https://totalbenefits.net/testimonials/rachael-cappella/ Shevlin Investments 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 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 https://totalbenefits.net/testimonials/shevlin-investments/ 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 Total Benefit Solutions Inc Health Insurance and Benefits 4.0 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! https://totalbenefits.net/testimonials/bryan-perchick/ CBDI, Inc 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. 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. https://totalbenefits.net/testimonials/cbdi-inc/ "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 2018-07-31T12:50:58-05:00 "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. https://totalbenefits.net/testimonials/8342/ 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 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 https://totalbenefits.net/testimonials/tom-geris-world-travel/ 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 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 https://totalbenefits.net/testimonials/stephen-forbus/ J Jennifer helped me figure out the best options and made the whole process easy and effortless. Thank you! -Orly Z Total Benefit Solutions Inc Health Insurance and Benefits 2019-01-07T13:11:24-05:00 J Jennifer helped me figure out the best options and made the whole process easy and effortless. Thank you! -Orly Z https://totalbenefits.net/testimonials/9885/ Greater Philadelphia Abstract Ed and his team are an invaluable resource always available to answer questions/concerns. Susan Harrison, Principal, Greater Philadelphia Abstract Agency Total Benefit Solutions Inc Health Insurance and Benefits 2015-02-02T21:00:44-05:00 Ed and his team are an invaluable resource always available to answer questions/concerns. Susan Harrison, Principal, Greater Philadelphia Abstract Agency https://totalbenefits.net/testimonials/greater-philadelphia-abstract/ 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. https://totalbenefits.net/testimonials/9881/ 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 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 https://totalbenefits.net/testimonials/solomon-bread-rollskaplans-bakery/ Totally Zen Ed, Great follow up! Thanks again your service is incredible!! Stephanie Churchill, President 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 https://totalbenefits.net/testimonials/totally-zen/ Total Child Care 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 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 https://totalbenefits.net/testimonials/total-child-care/ 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 5.0 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. https://totalbenefits.net/testimonials/bkz-contractors-inc/ Angelmark Associates Thank you and your staff for getting back to me so quickly with a resolution to our problem. Yes, You guys are great! Lisa Kruse, President Angelmark Associates Total Benefit Solutions Inc Health Insurance and Benefits 2015-01-19T09:35:32-05:00 You guys are great! https://totalbenefits.net/testimonials/angelmark-associates/ Associated Printing & Graphics 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 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 https://totalbenefits.net/testimonials/associated-printing-graphics/ 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! https://totalbenefits.net/testimonials/i-am-so-grateful-for-the-amazing-service/ 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 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 https://totalbenefits.net/testimonials/riverside-physical-therapy/ 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 5.0 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 https://totalbenefits.net/testimonials/9872/ 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 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 https://totalbenefits.net/testimonials/travel-wizards/ 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 2018-05-29T09:45:52-05:00 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 https://totalbenefits.net/testimonials/7927/ 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 4.0 2015-02-02T21:00:50-05:00 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 https://totalbenefits.net/testimonials/webucast/ 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 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 https://totalbenefits.net/testimonials/rms-services/ 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 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. https://totalbenefits.net/testimonials/christine-taylor/ 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 "If you guys were here I'd hug you!" https://totalbenefits.net/testimonials/amy-h/ Excel Capital Funding I knew you were the best. Thank you very much for all your help with my benefits! Ricky Boone, President-Excel Capital Funding LLC 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 https://totalbenefits.net/testimonials/excel-capital-funding/ Damar Communications 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: 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: https://totalbenefits.net/testimonials/damar-communications/ 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 Since Ed and his team at started handling our account, we have saved money each year https://totalbenefits.net/testimonials/art-4-business/ 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 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 https://totalbenefits.net/testimonials/zola-makrauer-dmd/ 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 https://totalbenefits.net/testimonials/bucks-county-tma/ 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 Total Benefit Solutions Inc Health Insurance and Benefits 5.0 2019-01-07T12:09:49-05:00 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 https://totalbenefits.net/testimonials/9873/ 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 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 https://totalbenefits.net/testimonials/american-dream-financing/ Uncle Bill’s Country Market 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 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 https://totalbenefits.net/testimonials/uncle-bills-country-market/ Netstride Internet Solutions The 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 Solutions 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. https://totalbenefits.net/testimonials/netstride-internet-solutions/ 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 Total Benefit Solutions Inc Health Insurance and Benefits 2015-01-26T09:40:34-05:00 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 https://totalbenefits.net/testimonials/travel-authority/ Bucks County Women’s Healthcare Our 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 Healthcare 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 https://totalbenefits.net/testimonials/bucks-county-womens-healthcare/ 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 2018-05-29T09:43:15-05:00 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. https://totalbenefits.net/testimonials/7925/ Sales Pros 4 Hire 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 Total Benefit Solutions Inc Health Insurance and Benefits 5.0 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 https://totalbenefits.net/testimonials/sales-pros-4-hire/ Prodigy Learning Center "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. 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. https://totalbenefits.net/testimonials/prodigy-learning-center/ 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 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 https://totalbenefits.net/testimonials/wolf-island-networks/ 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 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 https://totalbenefits.net/testimonials/a-l-verna-company/ David Fiebert Inc We have been working with (Total Benefit Solutions Inc.) since we decided to start our own company benefit plan. Ed and his team took the time to answer each question along the way, and advised us about the challenges even before they happened. The support provided to us was invaluable in many aspects of running our company, not just getting the benefits installed. In retrospect I cannot imagine how any small business could complete the process on their own without creating more problems for themselves. It could have been an enormous headache, but instead it was smooth from beginning to end. Thanks! -David Fiebert, President Total Benefit Solutions Inc Health Insurance and Benefits 2015-01-26T09:55:24-05:00 We have been working with (Total Benefit Solutions Inc.) since we decided to start our own company benefit plan. Ed and his team took the time to answer each question along the way, and advised us about the challenges even before they happened. The support provided to us was invaluable in many aspects of running our company, not just getting the benefits installed. In retrospect I cannot imagine how any small business could complete the process on their own without creating more problems for themselves. It could have been an enormous headache, but instead it was smooth from beginning to end. Thanks! -David Fiebert, President https://totalbenefits.net/testimonials/david-fiebert-inc/ Ace Childcare “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. 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 https://totalbenefits.net/testimonials/ace-childcare/ 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 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 https://totalbenefits.net/testimonials/dr-franklin-strong/ 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 I would not even think twice about hiring Total Benefit Solutions Inc https://totalbenefits.net/testimonials/superior-commercial-kitchens/ 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 “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 https://totalbenefits.net/testimonials/sign-a-rama-feasterville/ Paige Wolf Testimonial Dec 2018 Through all my insurance ups and downs through various degrees of employment, changes, marketplace changes, and medical needs, Ed and his team have kept me informed and sane through the constantly changing process. I honestly don’t know what I would do without them to call on when I am in an insurance panic! Even when they have no financial incentive, they are always there to help me! -Paige Wolf Total Benefit Solutions Inc Health Insurance and Benefits 5.0 2019-01-07T12:00:37-05:00 Through all my insurance ups and downs through various degrees of employment, changes, marketplace changes, and medical needs, Ed and his team have kept me informed and sane through the constantly changing process. I honestly don’t know what I would do without them to call on when I am in an insurance panic! Even when they have no financial incentive, they are always there to help me! -Paige Wolf https://totalbenefits.net/testimonials/9871/ 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 https://totalbenefits.net/testimonials/9884/ 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 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 https://totalbenefits.net/testimonials/coburn-myers-fastening-systems/ 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 2018-05-29T09:37:36-05:00 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) https://totalbenefits.net/testimonials/7922/ Perfect Move Inc 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. 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. https://totalbenefits.net/testimonials/perfect-move-inc/ 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 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 https://totalbenefits.net/testimonials/the-mcg-group/ Beth Sholom Congregation "Ed takes the time each year to review our current plans, our goals for the future evaluate our options and explain all of the choices thoroughly. Harvey Friedrich, Executive Director, Beth Sholom Congregation Total Benefit Solutions Inc Health Insurance and Benefits 5.0 2015-01-26T10:04:53-05:00 "Ed takes the time each year to review our current plans, our goals for the future evaluate our options and explain all of the choices thoroughly. Harvey Friedrich, Executive Director, Beth Sholom Congregation https://totalbenefits.net/testimonials/beth-sholom-congregation/ Terry Farber 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 Total Benefit Solutions Inc Health Insurance and Benefits 2016-07-14T18:19:34-05:00 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 https://totalbenefits.net/testimonials/terry-farber/ 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 5.0 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 https://totalbenefits.net/testimonials/9869/ 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 4.0 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 https://totalbenefits.net/testimonials/bob-lankin/ over and above the call of duty Over the years Ed and his crew have gone over and above the call of duty to assist me with my health insurance needs. They have perfect amount of patience needed to help healthcare novices like me. I highly recommend Total Benefits. Don’t delay! Call today! Amy Huber, client Total Benefit Solutions Inc Health Insurance and Benefits 2017-12-31T09:14:39-05:00 Amy Huber, client over and above the call of duty https://totalbenefits.net/testimonials/over-and-above-the-call-of-duty/ LTW Gentec 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 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 https://totalbenefits.net/testimonials/ltw-gentec/ 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 Your service and responsiveness is incredible. I’ve never had a better insurance broker! David Zarrinnia, President https://totalbenefits.net/testimonials/tristar-lighting/ 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 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 https://totalbenefits.net/testimonials/van-dyne-insurance/ Nozak Enterprises " 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 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 https://totalbenefits.net/testimonials/nozak-enterprises/ Bucks County Center for Independent Living “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 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 https://totalbenefits.net/testimonials/bucks-county-center-for-independent-living/ 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 Component s 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 https://totalbenefits.net/testimonials/media-components/ Bruce McIntyre 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 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 https://totalbenefits.net/testimonials/bruce-mcintyre/ 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 https://totalbenefits.net/testimonials/9886/ Helped our family with all the switching around, so we where never without benefits or lacked in care. -Molly K Total Benefit Solutions Inc Health Insurance and Benefits 2019-01-07T13:05:55-05:00 Helped our family with all the switching around, so we where never without benefits or lacked in care. -Molly K https://totalbenefits.net/testimonials/9882/ Lou Grossman 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 Total Benefit Solutions Inc Health Insurance and Benefits 2016-05-05T17:54:09-05:00 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 https://totalbenefits.net/testimonials/lou-grossman/ 4.8 12