On June 1, 2018, New Jersey Gov. Murphy passed the Out-of-Network Consumer Protection, Transparency, Cost Containment and Accountability Act (the “OON Act”). In general, the OON Act applies to emergency services and other care provided by out-of-network physicians in in-network settings (i.e. hospital-based physicians). It takes effect on September 1, 2018.
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For more information or if you have any questions, please feel free to contact your Total Benefit Solutions Account Manager at 215-355-2121
The MCG Group
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:44:52-05:00
https://totalbenefits.net/testimonials/the-mcg-group/
Stephen Forbus
Ed, thanks for helping me solve the ACA puzzle. After multiple problems with the site and with the operators, you got me a bigger savings than I was able to get on my own, and saved me over $2,250! Thank you!Stephen Forbus
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:23:16-05:00
https://totalbenefits.net/testimonials/stephen-forbus/
Chris Handley
I work with dozens of insurance brokers in Southeastern Pennsylvania. Personally, I have never met a health insurance broker who cares more about his clients. Ed is always looking for innovative ways to provide his clients the highest quality coverage, and at prices that are affordable. Ed is one of the few people that I would trust to provide my own family with insurance.Chris Handley, Account Executive Savoy & Associates (United Healthcare)
Total Benefit Solutions Inc Health Insurance and Benefits
2015-02-02T21:00:40-05:00
https://totalbenefits.net/testimonials/chris-handley/
Perfect Move Inc
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.
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-25T18:37:43-05:00
https://totalbenefits.net/testimonials/perfect-move-inc/
Associated Printing & Graphics
Ed is our medical benefits insurance agent. Ed and his staff have provided terrific service and cost effective options year after year. He really cares about providing the best coverage for his clientele. I highly recommend the Total Benefit Solutions, Inc. for all your group medical insurance needs! Don Rubin-President of Associated Printing & Graphics Total Benefit Solutions Inc Health Insurance and Benefits
2015-02-02T13:47:26-05:00
https://totalbenefits.net/testimonials/associated-printing-graphics/
Total Benefit Solutions Inc Health Insurance and Benefits
2019-01-07T13:03:42-05:00
John K
https://totalbenefits.net/testimonials/9881/
" 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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-25T18:33:50-05:00
https://totalbenefits.net/testimonials/nozak-enterprises/
Shevlin Investments
Ed and my account manager make me feel like their biggest, most important client each time I call. You can’t ask for more than that!Barry Shevlin, President
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:34:11-05:00
https://totalbenefits.net/testimonials/shevlin-investments/
The Gannon Agency
“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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-24T20:54:15-05:00
https://totalbenefits.net/testimonials/the-gannon-agency/
Media Components
Ed 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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-24T21:02:49-05:00
https://totalbenefits.net/testimonials/media-components/
Bonnie Greisler
Thank 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 
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
https://totalbenefits.net/testimonials/bonnie-greisler/
Zola Makrauer DMD
Ed is an expert in health insurance. I am a health care provider myself and I know how difficult this business can be. He is knowledgeable with all of the health insurance companies in our area. If you are looking for health insurance I would not pass up Ed for a quote he is great for single plans as well as plans for groups for business owners. Zola Makrauer DMD Total Benefit Solutions Inc Health Insurance and Benefits
2015-02-09T07:53:06-05:00
https://totalbenefits.net/testimonials/zola-makrauer-dmd/
Pete’s Clown House Luncheonette
Ed MacConnell and his team make me feel like I’m their only customer! Whenever I need help they’re ready, willing and able. It makes it easier to focus more on keeping my restaurant profitable and smooth.Ron Bordone-President
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:44:33-05:00
https://totalbenefits.net/testimonials/petes-clown-house-luncheonette/
Totally Zen
Ed, Great follow up! Thanks again your service is incredible!!Stephanie Churchill, President
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:36:32-05:00
https://totalbenefits.net/testimonials/totally-zen/
Ed MacConnell with Total Benefit Solutions on Street Rd is great- highly recommend contacting him!
Brittany B 
Total Benefit Solutions Inc Health Insurance and Benefits
2021-10-28T16:40:58-04:00
Brittany B
https://totalbenefits.net/testimonials/19526/
Sales Pros 4 Hire
Especially thank you for helping my wife and I sail through the new Affordable Care Act. You and your team made the complicated seem simple and select the plan best suited for our health insurance needs. Thanks!Mike Hilbert, President, Sales Pros 4 Hire
Total Benefit Solutions Inc Health Insurance and Benefits
2015-02-02T21:04:03-05:00
https://totalbenefits.net/testimonials/sales-pros-4-hire/
Riverside Physical Therapy
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:43:27-05:00
https://totalbenefits.net/testimonials/riverside-physical-therapy/
Superior Commercial Kitchens
“I have never had a better benefits broker in 45 years of business. Ed has saved my company,tens of thousands of dollars per year and continues to earn every dollar every year, always placing the client before the commission. His office staff is helpful whenever a benefit question or problem arises. I would not even think twice about hiring Total Benefit Solutions Inc. for handling company benefits.”Frank Livolsi, President-Superior Commercial Kitchens
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-24T20:41:29-05:00
https://totalbenefits.net/testimonials/superior-commercial-kitchens/
RMS Services
Your help saved us thousands of dollars on our renewal. Plus you took the time to explain the benefits to us and our staff, which in itself is an invaluable service. Thanks again!Frank McCafferty, President
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:42:41-05:00
https://totalbenefits.net/testimonials/rms-services/
Rachael Cappella
Ed MacConnell
Total Benefit Solutions Inc Health Insurance and Benefits
2016-02-06T12:38:58-05:00
https://totalbenefits.net/testimonials/rachael-cappella/
Caddick Construction
I endorse Ed MacConnell and (Total Benefit Solutions, Inc.) as our insurance broker and encourage you to speak with them about your own benefits. Ed has been handling ours for over ten years now and they always have a creative solution to anything our insurer throws our way!David Caddick, President of Caddick Construction
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T10:00:30-05:00
https://totalbenefits.net/testimonials/caddick-construction/
Coburn Myers Fastening Systems
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:57:44-05:00
https://totalbenefits.net/testimonials/coburn-myers-fastening-systems/
Terry Farber
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
Total Benefit Solutions Inc Health Insurance and Benefits
2016-07-14T18:19:34-04:00
https://totalbenefits.net/testimonials/terry-farber/
I’ve been working with Total Benefits Solutions for many years now. Every year they run the numbers for comparison of the prescription plans available to supplement my Medicare plan. She does a fantastic job, even recommending plans that don’t work with brokers (no commission to them). (they) found health care plans for me before I went on Medicare as well. Do yourself a favor. Call them. You will be glad you did! -Brenda M
Total Benefit Solutions Inc Health Insurance and Benefits
2021-10-27T18:15:41-04:00
Brenda M
https://totalbenefits.net/testimonials/19514/
Excel Capital Funding
I knew you were the best. Thank you very much for all your help with my benefits!Ricky Boone, President-Excel Capital Funding LLC
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:51:33-05:00
https://totalbenefits.net/testimonials/excel-capital-funding/
We have used and have referred many of our clients to Ed MacConnell and his team at Total Benefit Solutions. In the complicated health insurance market of today’s world Ed makes selecting and managing health insurance as simple as possible. Time and time again, Total Benefit Solutions has been able to find cost effective quality health insurance for us and our clients. I highly recommend Total Benefit Solutions for all your health insurance needs.Joseph Pintimalli CPP
Presient
Simplifi Payroll & HR
Total Benefit Solutions Inc Health Insurance and Benefits
2017-04-13T12:03:33-04:00
Joseph P
https://totalbenefits.net/testimonials/4927/
Prodigy Learning Center
"Hi Ed, I just wanted to let you know how great Rochelle has been with our insurance issues. She has been so helpful to me. I don’t know if people take the time to tell you when your staff is doing a great job, but I wanted to let you know. She is great!! Thanks. "Christine Viteo, R.N. Executive Director, Prodigy Learning Center Philadelphia.
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-24T20:47:16-05:00
https://totalbenefits.net/testimonials/prodigy-learning-center/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2019-01-07T13:08:47-05:00
Deb H
https://totalbenefits.net/testimonials/9884/
Highly recommend Total Benefit Solutions... unbelievable great service
David M
Total Benefit Solutions Inc Health Insurance and Benefits
2021-10-28T17:31:47-04:00
David M
https://totalbenefits.net/testimonials/19528/
Tristar Lighting
Your service and responsiveness is incredible. I’ve never had a better insurance broker!David Zarrinnia, President
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:38:35-05:00
https://totalbenefits.net/testimonials/tristar-lighting/
Cardinal International Grooving & Grinding
You and your staff have been nothing short of terrific in handling our medical insurance coverage, changes and renewals.-Linda Organski, Director of Human Resources
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:59:36-05:00
https://totalbenefits.net/testimonials/cardinal-international-grooving-grinding/
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! Franklin S
Total Benefit Solutions Inc Health Insurance and Benefits
2017-12-31T09:21:57-05:00
Franklin S
https://totalbenefits.net/testimonials/i-am-so-grateful-for-the-amazing-service/
CBDI, Inc
Ed is the most innovative and communication oriented broker that I have ever had the pleasure of working with. He has the most sophisticated software to service his client book of business, so that he doesn't miss a beat! Ed and I have worked together on many presentations and with various associations. He shares a true passion for helping clients small and large, which I do not find in many brokers. He is a dedicated member of the Board at the Lower Bucks County Chamber of Commerce, not to mention his many public service roles in Rotary, etc...I admire his ability to find time to help so many people!Amy Murray Hyde, Account Representative, CBDI, Inc.
Total Benefit Solutions Inc Health Insurance and Benefits
2015-02-02T21:00:34-05:00
https://totalbenefits.net/testimonials/cbdi-inc/
BKZ Contractors Inc.
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.
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T10:02:52-05:00
https://totalbenefits.net/testimonials/bkz-contractors-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
Total Benefit Solutions Inc Health Insurance and Benefits
2018-05-29T09:45:52-04:00
Reita B
https://totalbenefits.net/testimonials/7927/
David Fiebert Inc
We have been working with (Total Benefit Solutions Inc.) since we decided to start our own company benefit plan. Ed and his team took the time to answer each question along the way, and advised us about the challenges even before they happened. The support provided to us was invaluable in many aspects of running our company, not just getting the benefits installed. In retrospect I cannot imagine how any small business could complete the process on their own without creating more problems for themselves. It could have been an enormous headache, but instead it was smooth from beginning to end. Thanks!-David Fiebert, President
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:55:24-05:00
https://totalbenefits.net/testimonials/david-fiebert-inc/
Helped our family with all the switching around, so we where never without health insurance benefits or lacked in care.
Total Benefit Solutions Inc Health Insurance and Benefits
2019-01-07T13:05:55-05:00
Molly K
https://totalbenefits.net/testimonials/9882/
Ed and his team at Total Benefit Solutions have really helped me through a difficult time with health insurance. Thanks to them, I have short term health insurance to hold me over until my job search is successful.
-Chris M President (CGM Systems)
Total Benefit Solutions Inc Health Insurance and Benefits
2018-05-29T09:37:36-04:00
Chris M
https://totalbenefits.net/testimonials/7922/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2022-02-06T17:13:26-05:00
https://totalbenefits.net/testimonials/21355/
J
Jennifer helped me figure out the best health insurance options and made the whole process easy and effortless. Thank you!
Total Benefit Solutions Inc Health Insurance and Benefits
2019-01-07T13:11:24-05:00
Orly
https://totalbenefits.net/testimonials/9885/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:53:00-05:00
https://totalbenefits.net/testimonials/dr-franklin-strong/
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T10:08:29-05:00
https://totalbenefits.net/testimonials/a-l-verna-company/
Please call Total Benefit Solutions it's free and experienced health insurance people help you 215 355 2121 ask for Maureen!
Joyce C
Total Benefit Solutions Inc Health Insurance and Benefits
2021-10-28T17:34:33-04:00
Joyce C
https://totalbenefits.net/testimonials/19529/
Bryan Perchick
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T10:07:47-05:00
-Bryan Perchick
https://totalbenefits.net/testimonials/bryan-perchick/
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.
Total Benefit Solutions Inc Health Insurance and Benefits
2018-05-29T09:43:15-04:00
Ariel M
https://totalbenefits.net/testimonials/7925/
Many thanks to Maureen at Total Benefit Solutions, Inc for her patience, professionalism and thoroughness--she made the somewhat scary process of getting a Medicare supplement for my husband and me so much easier and less stressful!
Renie C
Total Benefit Solutions Inc Health Insurance and Benefits
2021-10-28T17:39:26-04:00
Renie C
https://totalbenefits.net/testimonials/19531/
Solomon Bread & Rolls/Kaplan’s Bakery
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:35:50-05:00
https://totalbenefits.net/testimonials/solomon-bread-rollskaplans-bakery/
Lou Grossman
Ed and his team go the extra mile for you. They truly care about your benefits ...And Ed knows more about benefit details and regulations than anyone around . He is the best-and a nice guy to boot.- Lou Grossman, President-Grossman Public RelationsTotal Benefit Solutions Inc Health Insurance and Benefits
2016-05-05T17:54:09-04:00
https://totalbenefits.net/testimonials/lou-grossman/
Christine Taylor
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
.Total Benefit Solutions Inc Health Insurance and Benefits
2016-02-06T12:43:18-05:00
Christine Taylor: Self Employed
https://totalbenefits.net/testimonials/christine-taylor/
Grossman Public Relations
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
Total Benefit Solutions Inc Health Insurance and Benefits
2015-01-26T09:49:33-05:00
https://totalbenefits.net/testimonials/grossman-public-relations/
Total Benefit Solutions Inc Health Insurance and Benefits
2019-01-07T11:57:50-05:00
https://totalbenefits.net/testimonials/9870/
Total Benefit Solutions Inc Health Insurance and Benefits
2022-02-06T17:15:35-05:00
https://totalbenefits.net/testimonials/21356/
AquaReale