What are Qualified Medical Expenses?

Qualified Medical Expenses are generally the same types of services and products that otherwise could be deducted as medical expenses on your yearly income tax return. Some Qualified Medical Expenses, like doctors’ visits, lab tests, and hospital stays, are also Medicare-covered services. Services like dental and vision care are Qualified Medical Expenses, but aren’t covered by Medicare. Qualified Medical Expenses could count toward your Medicare MSA Plan deductible only if the expenses are for Medicare-covered Part A and Part B services. Each year, you should get a 1099-SA form from your bank that includes all of the withdrawals from your account. You’ll need to show that you’ve had Qualified Medical… Read More

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What Are Medicare Guaranteed Issue Rights?

Please contact your Total Benefit Solutions Inc Medicare health insurance specialists today at (215)355-2121 with any questions.

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Medicare & Coronavirus

Medicare covers the COVID-19 vaccine at no cost to you. Medicare covers the vaccine for anyone who has Medicare due to their age, a disability, End-Stage Renal Disease (ESRD), or ALS (also called Lou Gehrig’s disease). Be sure to bring your Medicare card. To learn more about Medicare and the COVID-19 vaccine and boosters, click here. If you have Medicare and have a disability or face other challenges in getting to a location away from home for a vaccination, Medicare will pay a doctor or other care provider to give you the COVID-19 vaccine in your home. You may need to give them your Medicare Number for billing, but there’s… Read More

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What’s Not Covered by Part A & Part B?

Medicare doesn’t cover everything. Some of the items and services Medicare doesn’t cover include: Long-Term Care (also called custodial care ) Most dental care Eye exams related to prescribing glasses Dentures Cosmetic surgery   Acupuncture   Hearing aids and exams for fitting them Routine foot care To find out if Medicare covers a test, item, or service you need, click here. The professionals at Total Benefit Solutions, Inc are here to help you understand your Medicare Health Insurance choices. Call us today at (215)355-2121.

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Time to Prepare for Medicare Part D Notice Requirements

An important deadline is approaching quickly – October 15 for the Medicare Part D notice requirement. The creditable-coverage notice must be given to all Part D-eligible individuals who are covered under, or apply for, an employer’s prescription drug benefits plan. This requirement applies to Medicare beneficiaries who are active employees and those who are retired, as well as Medicare beneficiaries who are covered as spouses under active or retiree coverage. Click here for a video explaining Medicare Part D notices. Please contact your Total Benefit Solutions Inc Medicare health insurance specialists at (215)355-2121 if you have any questions or concerns.

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Clarification of the Special Enrollment Period (SEP) for Government Entity-Declared Disaster or Other Emergency

The memo clarified that the COVID-19 pandemic does not currently qualify for the SEP for Government Entity-Declared Disaster or Other Emergency (disaster SEP); however, it does qualify for the Exceptional Circumstances SEP. What you need to know: As a result of this guidance, do not submit enrollments for clients impacted by COVID-19 using the disaster SEP. Going forward, any new enrollments submitted for this reason will be declined.

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6 Questions to ask your Benefits Broker

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Medicare Coverage for Treatment of PTSD

Post-traumatic stress disorder (PTSD) is a mental condition that can develop after someone directly or indirectly experiences a traumatic event. It doesn’t always occur immediately following the event and may not be caused by an event some would traditionally consider traumatic. This can make identifying or diagnosing PTSD difficult. But, if PTSD isn’t identified and treated, it can be a part of the sufferer’s life for potentially the rest of their life. To Learn more Click Here, or for more information on how Medicare can help with coverages call Total Benefits Solutions at (215) 355-2121

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Medicare Freezes Late Enrollment Penalties for Qualifying Enrollees

Many people enroll in Medicare as soon as they can, unless they have creditable coverage from an employer or other source. Why? Often, it’s because they’re looking to avoid Medicare late enrollment penalties. This year, due to ongoing issues at the Social Security Administration, Medicare has decided to extend a grace period for anyone who isn’t enrolled in Parts A and B but is eligible to do so. This will assist a number of people who would have otherwise been hit with a late enrollment penalty.Click Here For more info on this Article! Or call into Total Benefits Solutions at (215) 355-2121

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What Are Medicare Guaranteed Issue Rights?

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SCOTUS Upholds Affordable Care Act Ruling

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New Mandatory Preventive Items and Services

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Tax Advantaged Benefit Documents

This site is dedicated to providing employers with the tools they need to successfully establish these written plans with SPDs at the lowest cost possible.

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Alternatives to Health Insurance Benefits

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What is Blue Card PPO?

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Top 10 Questions to Ask Your Benefits Broker

Analyzing these ten critical questions in relation to your organization’s needs will help you make a more informed decision about your benefits broker

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IRS Guidance Clarifies DCAP Relief

The IRS released Notice 2021-26 to address taxation of Dependent Care Assistance Programs (“DCAPs”) as it relates  to the relief afforded under Section 214 of the Consolidated Appropriations Act, 2021 (“CAA”) and the increased DCAP limit under the American Rescue Plan Act of 2021 (“ARPA”).

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CMS Announces Medicare Plan Finder Improvements

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Can Employers Ask for Proof of Vaccination?

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Family Dental & Vision Plans

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What is Modified Adjusted Gross Income (MAGI)?

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What is Balance Billing?

When a provider bills you for the difference between the provider’s charge and the allowed amount. For example, if the provider’s charge is $100 and the allowed amount is $70, the provider may bill you for the remaining $30. A preferred provider may not balance bill you for covered services. Ask your health insurance experts at Total Benefit Solutions today how to avoid balance billing charges!

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PEOPLE RISK MANAGEMENT

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What is a Qualified High Deductible Health Plan?

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What Is a Health Savings Account?

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