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.

IBC SEP Medicare Exclusion

Medicare-Who Pays First Guide 


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

 
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  

Damar Communications

lquoteWhen 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: Rquote
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: 

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

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!  

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

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
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

Rachael Cappella

lquote-grn


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.Rquote-grn

 
Total Benefit Solutions Inc Health Insurance and Benefits
5
2016-02-06T12:38:58-05:00
Total Benefit Solutions is definitely the place to call for your health insurance needs.

Bucks County Center for Independent Living

lquote“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 DirectorRquote
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

Angelmark Associates

lquoteThank 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

Rquote

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

Nozak Enterprises

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 Gross, 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 Gross, President Nozak Enterprises, DBA Supercuts

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

Grossman Public Relations

lquoteAs 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-PresidentRquote
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

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


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
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


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
2018-05-29T09:45:52-04:00
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

Sign-A-Rama-Feasterville

lquote“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, PresidentRquote
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

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

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!


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
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

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

Tristar Lighting

lquoteYour service and responsiveness is incredible. I’ve never had a better insurance broker!

David Zarrinnia, President Rquote
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

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

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

Media Components

lquoteEd 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 Components

Rquote
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

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!

Webucast

lquoteEd 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, WebucastRquote
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

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.

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
2018-05-29T09:40:21-04:00
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.

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

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

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

S&S Sign Company

lquoteI 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 Rquote
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

Solomon Bread & Rolls/Kaplan’s Bakery

lquoteI 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-PresidentRquote
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

Christine Taylor

lquote

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 ownRquote.

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.

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

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

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
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 

Ace Childcare

lquote“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.Rquote
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

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.




"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
2018-07-31T12:50:58-04:00
"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.

BKZ Contractors Inc.

lquoteI 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.Rquote
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.

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
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

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