Medicare primary payer rules are complicated. Especially when it comes to different employer sizes and special circumstances like End Stage Renal Disease and disabilities. Coverage issues can be significantly complex when mixing Medicare and employer coverage, or individual coverage for those who are early Medicare enrollees.
Chances are, if you are already enrolled on Medicare, AND you are getting bills from providers, you are already experiencing these problems, or you are encountering a coordination of benefits issue.
It’s always best to speak to a professional when encountering these problems, most especially a health insurance professional. If at all possible, before getting enrolled on Medicare. The documents below may help provide some guidance on these concerns.
We also recommend having a personal health advocate who can guide you through this complex maze of Medicare coverage twists and turns. Click here to get your own Personal Health Advocate with our Benefit Aid Select benefit bundle.
As always, contact your Total Benefit Solutions account manager at (215)355-2121 to answer any questions or address any concerns.
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
Arlene Blosch, President
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
David Ozeroff, President Ace Childcare Inc.
-Terry Farber, Elder Law Attorney
Bucks County Women’s Healthcare
Perfect Move Inc
Bob Simons, Vice President of Perfect Move, Inc.
over and above the call of duty
Total Child Care
David Caddick, President of Caddick Construction
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
Excel Capital Funding
Ricky Boone, President-Excel Capital Funding LLC
Very knowledgeable and experienced.
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
Bob Flemming, President
Paige , President Paige Wolf Media and Public Relations
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
Coburn Myers Fastening Systems
Ted Harp, Controller
Beth Sholom Congregation
Harvey Friedrich, Executive Director, Beth Sholom Congregation
Netstride Internet Solutions
Gregory Tarallo, President Netstride Internet Solutions
David Zarrinnia, President
Dave Margolis, President Damar Communications:
Helped our family with all the switching around, so we where never without health insurance benefits or lacked in care.
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!
Denis Sinelkov-President Media Components
Wolf Island Networks
John Rodia, President
Christine Taylor: Self Employed
Matt Deeter, President LTW Gentec
Lisa K, President Angelmark Associates
Cardinal International Grooving & Grinding
-Linda Organski, Director of Human Resources
Zola Makrauer DMD
Frank McCafferty, President
David Fiebert Inc
-David Fiebert, President
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
Bucks County TMA
Amy Murray Hyde, Account Representative, CBDI, Inc.
As a commercial realtor I spend 90% of my time on the road and do not find myself at a desk very often. Having Total Benefit Solutions, Inc. as my broker makes the task simple, fast and to the point. And I never waste time on hold with the insurance company any longer. Thanks again Ed and Total Benefit Solutions Inc!
" I 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
S&S Sign Company
Gina Seibel, Vice President S&S Signs
BKZ Contractors Inc.
Brian Zeldes, President BKZ Contractors Inc.
Solomon Bread & Rolls/Kaplan’s Bakery
Barry Shevlin, President
Art 4 Business
Heather Gibson, COO, Art 4 Business Inc