The IRS reversed its March 5 decision to decrease the 2018 contribution limit for family coverage only. The new contribution limit is back to $6,900 (previously adjusted to $6,850).
This means individuals who have already contributed $6,900 are fine and do not need to return any money. And those individuals who have automatic contributions that would have exceeded the earlier $6,850 limit in 2018 are fine. No changes need to be made as long as they do not exceed the $6,900 family contribution maximum.
If you have questions, please contact your Total Benefit Solutions, Inc. account manager at (215)355-2121.
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
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
Over the years Ed and his crew have gone over and above the call of duty to assist me with my health insurance needs. They have perfect amount of patience needed to help healthcare novices like me. I highly recommend Total Benefits. Don’t delay! Call today!
Amy H
Total Benefit Solutions Inc Health Insurance and Benefits
There aren’t enough words to describe how amazing Ed and Patty are. Not only are they wonderful people, they are amazing insurance agents.-MollyThomas
Total Benefit Solutions Inc Health Insurance and Benefits
2022-02-06T17:13:26-05:00
There aren’t enough words to describe how amazing Ed and Patty are. Not only are they wonderful people, they are amazing insurance agents.-MollyThomas
https://totalbenefits.net/testimonials/21355/
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!”
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:
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
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
https://totalbenefits.net/testimonials/19514/
Highly recommend. They took the time even when it was the busiest time of year for health insurance. They explained the details patiently to help stream the process painlessly.
-Gina D
Gina D
Total Benefit Solutions Inc Health Insurance and Benefits
5
2019-01-07T11:44:48-05:00
Gina D
Highly recommend. They took the time even when it was the busiest time of year for health insurance. They explained the details patiently to help stream the process painlessly. -Gina D
https://totalbenefits.net/testimonials/9869/
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.
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.
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
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
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
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.”
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!
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.
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.
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
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
Total Benefit Solutions Inc Health Insurance and Benefits
4
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/
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
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)
https://totalbenefits.net/testimonials/7922/
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
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
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
https://totalbenefits.net/testimonials/9870/
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
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
Total Benefit Solutions Inc Health Insurance and Benefits
5
2022-02-06T17:15:35-05:00
I picked Total Benefit Solutions based off their google reviews and I'm glad that I did. Patty was great, very informative and helped me switch my insurance plan and made it super easy. If you're not sure about what insurance plans are available to you I highly recommend reaching out to them. -Tasha G
https://totalbenefits.net/testimonials/21356/
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
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
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.
https://totalbenefits.net/testimonials/9871/
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
"Kim went above and beyond in helping find a new individual medical insurance plan for me. We met in person to go over all the questions I had about the different types of plans and how they worked. I felt really taken care of."
-Margaret F.
Margaret F
Total Benefit Solutions Inc Health Insurance and Benefits
2018-07-31T12:50:58-04:00
Margaret F
"Kim went above and beyond in helping find a new individual medical insurance plan for me. We met in person to go over all the questions I had about the different types of plans and how they worked. I felt really taken care of." -Margaret F.
https://totalbenefits.net/testimonials/8342/
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
https://totalbenefits.net/testimonials/19529/
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/
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
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
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
https://totalbenefits.net/testimonials/9873/
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
2016-05-05T17:54:09-04:00
Ed and his team go the extra mile for you. They truly care about your benefits ...And Ed knows more about benefit details and regulations than anyone around . He is the best-and a nice guy to boot.- Lou Grossman, President-Grossman Public Relations
Total Benefit Solutions Inc Health Insurance and Benefits
2019-01-07T13:11:24-05:00
Orly
J Jennifer helped me figure out the best health insurance options and made the whole process easy and effortless. Thank you! -Orly Z
https://totalbenefits.net/testimonials/9885/
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
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/
I was completely lost when looking for new health insurance. I called several brokers, and none would take the time to explain everything to me. (They ) took the time and explained everything to me and answered every question I asked, without sounding annoyed. I am so grateful for the amazing service! I highly recommend Total Benefit Solutions, Inc! -Ariel M.
Ariel M
Total Benefit Solutions Inc Health Insurance and Benefits
2018-05-29T09:43:15-04:00
Ariel M
I was completely lost when looking for new health insurance. I called several brokers, and none would take the time to explain everything to me. (They ) took the time and explained everything to me and answered every question I asked, without sounding annoyed. I am so grateful for the amazing service! I highly recommend Total Benefit Solutions, Inc! -Ariel M.
https://totalbenefits.net/testimonials/7925/
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
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
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!