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.
Amy Murray Hyde, Account Representative, CBDI, Inc.
David Fiebert Inc
-David Fiebert, President
Total Child Care
Riverside Physical Therapy
Joe Tomasetti, President Riverside Physical Therapy
Prodigy Learning Center
Christine Viteo, R.N. Executive Director, Prodigy Learning Center Philadelphia.
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
Lisa K, President Angelmark Associates
Associated Printing & Graphics
Pete’s Clown House Luncheonette
David Ozeroff, President Ace Childcare Inc.
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
A.L. Verna & Company
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
Dr Franklin Strong
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
The Gannon Agency
Steve Gannon, President , The Gannon Agency
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
Cardinal International Grooving & Grinding
-Linda Organski, Director of Human Resources
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
Very knowledgeable and experienced.
Bucks County Center for Independent Living
Ginny Fiorintine, Exective Director
Bucks County TMA
They really know what they are doing
Grossman Public Relations
The MCG Group
Steve Young, Managing Partner
David Caddick, President of Caddick Construction
Dave Margolis, President Damar Communications:
-Terry Farber, Elder Law Attorney
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!
We 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!!!! 🙂
Bonnie Greisler, President of The Men and Boy's Store
Bob Flemming, President
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
Bucks County Women’s Healthcare
Jennifer helped me figure out the best health insurance options and made the whole process easy and effortless. Thank you!
Van Dyne Insurance
As a Property & Casulaty agent I am often asked to provide L-H-D products. I am confident when I refer my clients and associates to Ed for their Life, Health and Disability services that they will be treated with the same level of care I would offer them. Ed provides a menu of options that suit the clients preferences giving them a chance to choose which best suits them.
Ed now handles my company's health plan; Total Benefit Solutions, Inc. is top notch!
Donna Van Dyne, President VanDyne Insurance Agency
Paige , President Paige Wolf Media and Public Relations
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.
Greater Philadelphia Abstract
Susan Harrison, Principal, Greater Philadelphia Abstract Agency
American Dream Financing
Brett Stern, Principal-American Dream Financing
Excel Capital Funding
Ricky Boone, President-Excel Capital Funding LLC
BKZ Contractors Inc.
Brian Zeldes, President BKZ Contractors Inc.
Art 4 Business
Heather Gibson, COO, Art 4 Business Inc
Solomon Bread & Rolls/Kaplan’s Bakery