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
 

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

Ed and his staff were very helpful in getting me through the open enrollment process and answered my mother's questions with her Medicare enrollment. Most companies are only a phone call away, if you call during normal business hours. Ed responded to my questions and was very helpful when I sent a message over the weekend. Amazing customer service! -Fibrenew Lower Bucks


Fibrenew

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

Fibrenew

Ed and his staff were very helpful in getting me through the open enrollment process and answered my mother's questions with her Medicare enrollment. Most companies are only a phone call away, if you call during normal business hours. Ed responded to my questions and was very helpful when I sent a message over the weekend. Amazing customer service! -Fibrenew Lower Bucks

Through all my health insurance ups and downs through various degrees of employment, changes, marketplace changes, and medical needs, Ed and his team have kept me informed and sane through the constantly changing process. I honestly don’t know what I would do without them to call on when I am in an insurance panic! Even when they have no financial incentive, they are always there to help me! 


-Paige W.

Total Benefit Solutions Inc Health Insurance and Benefits
5
2019-01-07T12:00:37-05:00
Through all my health insurance ups and downs through various degrees of employment, changes, marketplace changes, and medical needs, Ed and his team have kept me informed and sane through the constantly changing process. I honestly don’t know what I would do without them to call on when I am in an insurance panic! Even when they have no financial incentive, they are always there to help me!  -Paige W.


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


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 health insurance for years. Great people to work with and extremely knowledgeable about health insurance and Medicare supplements. - Kathleen B


Ed and his team at Total Benefit Solutions have really helped me through a difficult time with health insurance. Thanks to them, I have short term health insurance to hold me over until my job search is successful.
-Chris M President  (CGM Systems)

Chris M

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

Chris M

Ed and his team at Total Benefit Solutions have really helped me through a difficult time with health insurance. Thanks to them, I have short term health insurance to hold me over until my job search is successful. -Chris M President  (CGM Systems)

The MCG Group

lquote 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 PartnerRquote
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

Prodigy Learning Center

lquote"Hi Ed, I just wanted to let you know how great Rochelle has been with our insurance issues. She has been so helpful to me. I don’t know if people take the time to tell you when your staff is doing a great job, but I wanted to let you know. She is great!! Thanks. "

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


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


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

Very knowledgeable and experienced.


-John K. 

John K

Total Benefit Solutions Inc Health Insurance and Benefits
2019-01-07T13:03:42-05:00

John K

Very knowledgeable and experienced. -John K. 

We have used and have referred many of our clients to Ed MacConnell and his team at Total Benefit Solutions. In the complicated health insurance market of today’s world Ed makes selecting and managing health insurance as simple as possible. Time and time again, Total Benefit Solutions has been able to find cost effective quality health insurance for us and our clients. I highly recommend Total Benefit Solutions for all your health insurance needs.

 

 

Joseph Pintimalli CPP
Presient
Simplifi Payroll & HR

Joseph P

Total Benefit Solutions Inc Health Insurance and Benefits
2017-04-13T12:03:33-04:00

Joseph P

We have used and have referred many of our clients to Ed MacConnell and his team at Total Benefit Solutions. In the complicated health insurance market of today’s world Ed makes selecting and managing health insurance as simple as possible. Time and time again, Total Benefit Solutions has been able to find cost effective quality health insurance for us and our clients. I highly recommend Total Benefit Solutions for all your health insurance needs.     Joseph Pintimalli CPP Presient Simplifi Payroll & HR

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

Travel Authority

lquoteEd, 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, PresidentRquote

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

I’ve been working with Total Benefits Solutions for many years now. Every year they run the numbers for comparison of the prescription plans available to supplement my Medicare plan. She does a fantastic job, even recommending plans that don’t work with brokers (no commission to them). (they) found health care plans for me before I went on Medicare as well. Do yourself a favor. Call them. You will be glad you did!

 

-Brenda M

Brenda M

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

Brenda M

I’ve been working with Total Benefits Solutions for many years now. Every year they run the numbers for comparison of the prescription plans available to supplement my Medicare plan. She does a fantastic job, even recommending plans that don’t work with brokers (no commission to them). (they) found health care plans for me before I went on Medicare as well. Do yourself a favor. Call them. You will be glad you did!   -Brenda M

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

Netstride Internet Solutions

lquoteThe daunting landscape of health insurance is difficult for any business owner or individual to navigate. Ed and his team make the process really easy. We’ve been with Total Benefit Solutions Inc. for many years, and we recently decided to switch our plans. Both Ed and Amber spent time walking us through the various options, including the pros and cons of each plan and answered countless questions. Their patient guidance allowed us to pick a plan that we feel best meets the needs of our business and employees.

Gregory Tarallo, President  Netstride Internet SolutionsRquote

 

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

 

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

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

Total Child Care

lquoteI'm writing to apologize and to express my dismay and regret for switching from your firm last year. What a gargantuan mistake that was! To recount the horrors of dealing with the firm we switched to would only cause me to relive them, something I'm not willing to do (at this point). What do I have to do to get back with you guys?

Pete Altman, CEORquote

Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-24T21:15:08-05:00
I'm writing to apologize and to express my dismay and regret for switching from your firm last year. What a gargantuan mistake that was! To recount the horrors of dealing with the firm we switched to would only cause me to relive them, something I'm not willing to do (at this point). What do I have to do to get back with you guys? Pete Altman, CEO

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

Bonnie Greisler

lquoteThank you for taking great care of me- and my son! You guided us to workable medical insurance plans, I am very appreciative for your expertise and knowledge!- Bonnie Greisler., President of The Men and Boy's Store, Huntingdon Valley PA Rquote

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

Total Benefit Solutions Inc Health Insurance and Benefits
2016-02-08T09:59:24-05:00

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

I am very appreciative for your expertise and knowledge!

Greenwood Financial Services

lquote-grnI use Ed MacConnell for my company's health insurance needs and for my group short term disability policies. He is a true expert and has saved me large sums of money on my premiums!

Rquote-grn
-Bob Lankin, Branch Manager at Greenwood Financial Services of Raymond James Financial
Total Benefit Solutions Inc Health Insurance and Benefits
4
2015-02-27T13:37:43-05:00
I use Ed MacConnell for my company's health insurance needs and for my group short term disability policies. He is a true expert and has saved me large sums of money on my premiums! -Bob Lankin, Branch Manager at Greenwood Financial Services of Raymond James Financial

Ed MacConnell with Total Benefit Solutions on Street Rd is great- highly recommend contacting him!


Brittany B

Brittany B

Total Benefit Solutions Inc Health Insurance and Benefits
2021-10-28T16:40:58-04:00

Brittany B

Ed MacConnell with Total Benefit Solutions on Street Rd is great- highly recommend contacting him! Brittany B

Wolf Island Networks

lquoteIt has been an excellent experience getting health insurance from  Total Benefit Solutions Inc. You and your staff are most professional and very responsive.”

John Rodia, President Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:37:07-05:00
It has been an excellent experience getting health insurance from  Total Benefit Solutions Inc. You and your staff are most professional and very responsive.” John Rodia, President

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

LTW Gentec

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

Matt Deeter, President LTW GentecRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-25T18:26:29-05:00
Your team and your approach to service are the best! Thank you for helping us every year with our benefit programs!- Matt Deeter, President LTW Gentec

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

Perfect Move Inc

lquoteAmber and the team  have been nothing short of amazing. Each year they take the time to explain changes in my benefits and rates, and when I call with a question, I usually get an immediate answer.

Bob Simons, Vice President of Perfect Move, Inc.Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-25T18:37:43-05:00
Amber and the team  have been nothing short of amazing. Each year they take the time to explain changes in my benefits and rates, and when I call with a question, I usually get an immediate answer. Bob Simons, Vice President of Perfect Move, Inc.

Cardinal International Grooving & Grinding

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

-Linda Organski, Director of Human ResourcesRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:59:36-05:00
You and your staff have been nothing short of terrific in handling our medical insurance coverage, changes and renewals. -Linda Organski, Director of Human Resources

Kris Kreisher

lquoteWe are very happy with George's plan - do we need to do anything to renew? Thank you very much for all your help!! I am so glad I found you a couple of years ago!!!! 🙂     Rquote


-Kris Kreisher

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

Caddick Construction

lquoteI endorse Ed MacConnell and (Total Benefit Solutions, Inc.) as our insurance broker and encourage you to speak with them about your own benefits. Ed has been handling ours for over ten years now and they always have a creative solution to anything our insurer throws our way!

David Caddick, President of Caddick ConstructionRquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T10:00:30-05:00
I endorse Ed MacConnell and (Total Benefit Solutions, Inc.) as our insurance broker and encourage you to speak with them about your own benefits. Ed has been handling ours for over ten years now and they always have a creative solution to anything our insurer throws our way! David Caddick, President of Caddick Construction

Dr Franklin Strong

lquote-grn

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

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

Greater Philadelphia Abstract

lquoteEd and his team are an invaluable resource always available to answer questions/concerns.

Susan Harrison, Principal, Greater Philadelphia Abstract AgencyRquote
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

Amy H

lquoteIf 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 marketplaceRquote

 

 
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-24T20:32:14-05:00
"If you guys were here I'd hug you!"


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


Joyce C

Joyce C

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

Joyce C

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

lquote" I called with a quick question about my health insurance coverage and your answer saved me over $2600 with one call. You were right. Thanks again for the great advice! "


Jeff G, President Nozak Enterprises, DBA Supercuts


Rquote
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-25T18:33:50-05:00
" I called with a quick question about my health insurance coverage and your answer saved me over $2600 with one call. You were right. Thanks again for the great advice! " Jeff G, President Nozak Enterprises, DBA Supercuts

Bucks County Women’s Healthcare

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

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

I 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

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

Franklin S

I am so grateful for the amazing service!

Beth Sholom Congregation

lquote"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.

Rquote

Harvey Friedrich, Executive Director, Beth Sholom Congregation 

 
Total Benefit Solutions Inc Health Insurance and Benefits
5
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   

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

Total Benefit Solutions Inc Health Insurance and Benefits
2019-01-07T13:08:47-05:00

Deb H

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

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

lquoteThank you and your staff for getting back to me so quickly with a resolution to our problem. Yes, You guys are great!

Lisa K, President Angelmark Associates

Rquote

 
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-19T09:35:32-05:00
You guys are great!

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

Ed and his team have been great with finding us the right health insurance plans at the right price. He is always available to answer questions and works with us to achieve our goals. -Adam F


Adam F

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

Adam F

Ed and his team have been great with finding us the right health insurance plans at the right price. He is always available to answer questions and works with us to achieve our goals. -Adam F

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

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!  

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