What is the IRMAA Surcharge?

What is the IRMAA Surcharge? The income-related monthly adjustment amount (IRMAA) sliding scale is a set of statutory percentage-based tables used to adjust Medicare Part B and Part D prescription drug coverage premiums. The higher the beneficiary’s range of modified adjusted gross income (MAGI), the higher the IRMAA

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Lower 2023 Medicare Part B Premium Could Be on the Way

Some changes in the health care industry resulted in expected cost savings for the Medicare program for 2022. CMS’ recent announcement states they plan on passing these savings to consumers via their 2023 Part B premium. Click here to read the details on the lower Part B Premium Please contact your Total Benefit Solutions Inc Medicare health insurance specialists at (215)355-2121 if you have any further questions or concerns.

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How Medicare Works Part A

How Medicare Works Medicare is a federal insurance program that provides health insurance for people 65 and older and individuals younger than 65 who may qualify due to certain disabilities. There are four different parts to Medicare — Part A, B, C, and D. Click the icons below to learn more about each part! Medicare Part A Medicare Part A can be thought of as your hospital insurance. It helps to pay for your stay at a health care facility, whether that be a hospital, skilled nursing facility, or nursing home, among others. If you’re admitted as an inpatient, Medicare Part A covers many services like meals, a semi-private room,… Read More

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What is Medicare’s Secondary Payer Program?

Depending on your circumstances, you may be able to have Medicare and an additional type of health coverage to help you pay for health care costs. Medicare’s Secondary Payer Program lays out how they work together. It’s not uncommon to have an insurance plan for everything, just in case. You can have a Medicare plan, a drug plan, and a dental, vision, and hearing plan. You also may have life insurance, long-term care, and more. It’s possible to have one that plan encompasses mutliple types of coverage, like a Medicare Advantage plan that covers prescription drugs, and dental, vision, and hearing services. Sometimes, it’s possible to have multiple policies for a single… Read More

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WHAT IS MEDICARE PART B?

Medicare can seem complex on your own. We’re here to help! Medicareful is an easy-to-use Medicare plan finder that compares some of the available plans in your area and connects you with a licensed sales agent who will guide you through enrollment. Whether it’s a Medicare Supplement, Medicare Advantage Part C Plan, or a Medicare Part D drug plan, we’ve got you covered. https://medicareful.com/totalbenefitsolutions

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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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