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.
Superior Commercial Kitchens
Frank Livolsi, President-Superior Commercial Kitchens
David Caddick, President of Caddick Construction
Uncle Bill’s Country Market
– Bill Smith, President
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
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
Stephanie Churchill, President
-Terry Farber, Elder Law Attorney
Frank McCafferty, President
Jeff Gross, President Nozak Enterprises, DBA Supercuts
Igor Bogdanov, Principal, Webucast
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!
Bucks County Women’s Healthcare
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
Grossman Public Relations
Total Child Care
The MCG Group
Steve Young, Managing Partner
Helped our family with all the switching around, so we where never without benefits or lacked in care.
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
Bob Flemming, President
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!!!! 🙂
Excel Capital Funding
Ricky Boone, President-Excel Capital Funding LLC
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!
Tom & Geri’s World Travel
Tom Mellon, President
Art 4 Business
Heather Gibson, COO, Art 4 Business Inc
Pete’s Clown House Luncheonette
The Gannon Agency
Steve Gannon, President , The Gannon Agency
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.
Greenwood Financial Services
-Bob Lankin, Branch Manager at Greenwood Financial Services of Raymond James Financial
over and above the call of duty
Amy Huber, client
Paige Wolf Media & Public Relations
Paige Wolf, President Paige Wolf Media and Public Relations
Ed and his team have been great with finding us the right plans at the right price. He is always available to answer questions and works with us to achieve our goals. -Adam F
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!
Jennifer helped me figure out the best options and made the whole process easy and effortless. Thank you!
Beth Sholom Congregation
Harvey Friedrich, Executive Director, Beth Sholom Congregation
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
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
Perfect Move Inc
Bob Simons, Vice President of Perfect Move, Inc.
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
Cardinal International Grooving & Grinding
-Linda Organski, Director of Human Resources
Coburn Myers Fastening Systems
Ted Harp, Controller
Amy Murray Hyde, Account Representative, CBDI, Inc.
Bucks County Center for Independent Living
Ginny Fiorintine, Exective Director
S&S Sign Company
Gina Seibel, Vice President S&S Signs
David Ozeroff, President Ace Childcare Inc.
Zola Makrauer DMD
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.
David Zarrinnia, President
Bonnie Greisler, President of The Men and Boy's Store
David Fiebert Inc
-David Fiebert, President
Christine Taylor: Self Employed
Denis Sinelkov-President Media Components
American Dream Financing
Brett Stern, Principal-American Dream Financing
Bucks County TMA
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!
BKZ Contractors Inc.
Brian Zeldes, President BKZ Contractors Inc.
Lisa Kruse, President Angelmark Associates
Very knowledgeable and experienced.
Dave Margolis, President Damar Communications:
Arlene Blosch, President
Riverside Physical Therapy
Joe Tomasetti, President Riverside Physical Therapy
Solomon Bread & Rolls/Kaplan’s Bakery
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
Barry Shevlin, President
Amy H- Individual Client on the healthcare.gov marketplace
They really know what they are doing
Carol Woytus, Vacation Magic Travel
Netstride Internet Solutions
Gregory Tarallo, President Netstride Internet Solutions
Matt Deeter, President LTW Gentec
Sales Pros 4 Hire
Mike Hilbert, President, Sales Pros 4 Hire
Chris Handley, Account Executive Savoy & Associates (United Healthcare)
Associated Printing & Graphics
Greater Philadelphia Abstract
Susan Harrison, Principal, Greater Philadelphia Abstract Agency
Wolf Island Networks
John Rodia, President