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). To review the official IRS announcement, visit the Internal Revenue Service press release (published April 26, 2018). This means individuals who have already contributed…(Read More)

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The PCOR filing deadline is July 31, 2018 for all self-funded medical plans and HRAs for plan years ending in 2017. Please note: if your organization has an HRA, you are required to file and pay these fees. Click the link below to download the full bulletin.   PCOR Fee Filing Reminder for Self…(Read More)

The IRS released the inflation adjustments for health savings accounts (HSAs) and their accompanying high deductible health plans (HDHPs) effective for calendar year 2019. Most limits increased from 2018 amounts.   2019 Inflation Adjusted Amounts for HSAs – 051418R   As always if you have any questions about this bulletin, please contact your Total Benefit…(Read More)

In our ongoing effort to provide our clients with a top notch experience, Total Benefit Solutions is proud to announce that we have partnered with My Benefit Link.   MyBenefitLink is an online resource center for a company’s employees.   It serves as the Internet HR arm and provides the following advantages:   Online…(Read More)

IBX Mobile App

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Download the free IBX app for your iPhone or Android to help you make the most of your Independence Blue Cross health plan. With new and improved features, the IBX app gives you easy access to your health care coverage 24/7, wherever you are. Learn more: http://bit.ly/ibxmobil     Questions or…(Read More)

IBX Wire – A Powerful New Way to Communicate   IBX Wire™ is IBC’s member messaging service that makes it easier to find support, stay informed, and get things done. It will let you know when you have important account updates, product offers, or health related items that need your attention, and gives you…(Read More)

Thanks to the Tax Cuts and Jobs Act, the 2018 contribution limit for family coverage in a health savings account will be $6,850—not $6,900, as previously announced by the IRS. The Society for Human Resource Management reports that the IRS has recalculated the limit because the tax law applies the so-called…(Read More)

All About United Healthcare All Savers Level Funded Self Insurance Plans     Ask us today if an All Savers plan could be a good fit for your company! Call your Total Benefit Solutions account manager at (215)355-2121…(Read More)

  The Medicare Access and CHIP Reauthorization Act (MACRA) of 2015 requires that Social Security Number-based Health Insurance Claim Numbers (HICN) be removed from Medicare cards by April 2019; this is in an effort to lessen the current risk of beneficiary medical identity theft. A unique Medicare number, called the Medicare Beneficiary Identifier or…(Read More)

Aetna Funding Advantage (AFA) is a new self-funded option that provides all of the financial and plan design flexibility of a traditional arrangement with special features designed to help companies with as few as 25 employees achieve even greater savings on their health insurance. Ask us today if self funding could be a good…(Read More)

  Employers sponsoring a group health plan need to report information on the creditable status of the plan’s prescription drug coverage to the Centers for Medicare and Medicaid Services (CMS). In order to provide this information, employers must access CMS’s online reporting system at: https://www.cms.gov/Medicare/Prescription-Drug-coverage/CreditableCoverage…(Read More)

In 2015, Congress passed the Federal Civil Penalties Inflation Adjustment Act of 2015 (the “Inflation Adjustment Act”) to direct federal agencies to adjust the civil monetary penalties for inflation every year. Civil penalties ensure compliance with federal regulation by incentivizing employers not to violate federal regulation and providing federal agencies the power to ensure compliance…(Read More)

The Internal Revenue Service released the annual inflation adjustments that will apply to certain benefit plan tax provisions in 2018. Revenue Procedure 2017-58, which can be accessed by clicking here, identifies inflation-adjusted items for different provisions of the tax code. From an employee benefits standpoint, the following limits may be of interest to…(Read More)

    On December 20, 2017, the House and Senate sent President Trump the Tax Cuts and Jobs Act for signature. The House of Representatives passed their version of the bill on November 16, 2017 while the Senate passed their version on December 2, 2017. Because the versions were not identical, a Tax-Bill Conference…(Read More)

On December 22, 2017, the IRS issued Notice 2018-06, which provides a limited extension of time for employers to provide 2017 Forms 1095-C to individuals. It also extends good-faith transition relief from certain penalties for the 2017 reporting year. The deadlines to provide Forms 1094-C and 1095-C to the IRS…(Read More)

2017 Employer Reporting Requirements The below document outlines sections 6055 & 6066, the “B” and “C” forms, and the employer reporting obligations to both employees and the IRS. Download 2017_Employer_Reporting_Requirements   Click here to watch a brainshark video that explains the forms and reporting requirements. &nbsp…(Read More)

The IRS issued Letter 226J to certain Applicable Large Employers (“ALEs”). This letter describes the proposed Employer Shared Responsibility Payment (“ESRP”) owed for calendar year 2015.   Download this bulletin…(Read More)

Please note you must select the proactive plans from the list. Go to this link:  Choose a health plan:             From the drop down select, Medical then Keystone Proactive:   Now your search will return physicians with Tier listings showing: &nbsp…(Read More)

Searching for providers by tier? Please note you must select the proactive plans from the list. Go to this link: Choose a health plan: From the drop down select, Medical then Keystone Proactive:   Now your search will return physicians with Tier listings:                       &nbsp…(Read More)

Medicare Supplements or Medigap Plans A Medicare Supplement Insurance (Medigap) policy, sold by private companies, can help pay some of the health care costs that Original Medicare doesn’t cover, like copayments, coinsurance, and deductibles. Some Medigap policies also offer coverage for services that Original Medicare doesn’t cover, like medical care when you travel…(Read More)

On December 15, Governor Wolf signed House Bill 1388 (Irvin-R-Mifflin/Centre/Huntington) into law.  CHIP was re-authorized through December 31, 2019 or 90 days after Federal funding for CHIP ceases. The amendment allows for an extension if the Federal Government authorizes funding beyond December 31, 2019…(Read More)

  There are benefits you may be missing! BenefitsCheckUp helps you find and enroll in public and private benefits programs. You can also find information on Medicare Prescription Drug Coverage including an online application for the Extra Help. It’s simple and free and always includes the most up-to-date information. Click here to…(Read More)

The Centers for Medicare & Medicaid Services (CMS) recently published updated cost-sharing amounts for 2018 which are outlined below. 2018 Medicare Costs at a Glance Standard Part B Premium Most people pay $134 each month Medicare Part B deductible (Medical deductible) $183 per year Medicare Part A deductible (Hospital deductible) $1,340 for each…(Read More)

Aetna Funding Advantage (AFA) is a new self-funded option that provides all of the financial and plan design flexibility of a traditional arrangement with special features designed to help companies with as few as 15 employees achieve even greater savings on their health insurance. The benefits of self-funding have traditionally been considered by…(Read More)

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