The Marketplace – Total Benefit Solutions Inc

Turning 26: Your Guide to Health Insurance

June 15, 2022June 13, 2022Ed MacConnell

Thanks to the Affordable Care Act (ACA), many young people choose to stay on their parent’s health insurance for as long as possible, and with good reason. The historic healthcare law, also known as Obamacare, allows young adults to stay on their parent’s health plan until they turn 26, no matter what. Download our free easy to read guide to getting your own health insurance here. Contact your health insurance experts at Total Benefit Solutions Inc with any additional questions (215)355-2121

Annual Out-Of-Pocket Maximum Adjustments Announced for 2023

April 26, 2022Ed MacConnell

On December 28, 2021, the Department of Health and Human Services (“HHS”) published the “payment parameters” portion of its Annual Notice of Benefit and Payment Parameters for 2023 (“the Notice”). HHS historically publishes the Notice as a proposed rule and then finalizes the rule. The guidance clarifies that, beginning with the 2023 calendar year, the payment parameters portion of the Notice will be published by January of the year preceding the applicable calendar year. This guidance is considered a final rule that addresses certain provisions of the Affordable Care Act (“ACA”). For more information contact your friends at Total Benefits Solutions! Reach out to us at (215)355-2121

New Option for NJ Groups with Out-of-State Employees

March 15, 2022March 14, 2022Ed MacConnell

New Jersey small groups with employees residing out-of-state have few options and brokers struggle to provide viable alternatives for these employers. Horizon has introduced a solution with two new plans that include Blue Card Access on their popular OMNIA platform. Gold & Silver Plans became available in the market July 1 Provides access to 95% of the doctors and 96% of the hospitals nationwide, that includes New York, Pennsylvania, and Delaware. These plans reduce the benefit gap between Tier One and Tier Two benefits. Horizon also leveraged OMNIA relationships to provide a very attractive price point for national access. Questions or concerns about this bulletin? Please contact your Total Benefit… Read More

Additional Guidance Addresses ACA Preventive Care Mandate

February 1, 2022February 1, 2022Ed MacConnell

As part of FAQ 51, the Departments of Labor, Health and Human Services, and the Treasury (together, the “Departments”) issued guidance clarifying severalAffordable Care Act (“ACA”) preventive care coverage issues applicable to non-grandfathered group health plans. As background, non-grandfathered group health plans must cover certain in-network preventive care items and services without cost-sharing. Click the link below to download the bulletin. As always contact your health insurance specialists at Total Benefit Solutions, Inc if you have any additional questions or concerns (215)355-2121 https://www.totalbenefits.net

Independence is covering OTC COVID‑19 test kits through pharmacy benefits

January 31, 2022January 25, 2022Ed MacConnell

DOL Penalties Increase for 2022

January 30, 2022January 29, 2022Ed MacConnell

United Healthcare Members can now get up to eight COVID-19 at home tests at no cost

January 19, 2022January 19, 2022Ed MacConnell

Expanding Coverage for COVID-19 Testing

January 14, 2022January 14, 2022Ed MacConnell

What is a missing tooth clause?

January 4, 2022January 4, 2022Ed MacConnell

Additional Medicare Tax for High Earners

December 30, 2021December 30, 2021Ed MacConnell

Build Back Better Legislation Includes Benefit Provisions

December 11, 2021December 10, 2021Ed MacConnell

Total Benefit Solutions Inc chosen as top health insurance agency in Philadelphia

September 24, 2021October 4, 2021Ed MacConnell

2021 MLR Rebate Checks Recently Issued to Fully Insured Plans

September 22, 2021September 21, 2021Ed MacConnell

How is COBRA health insurance affected if I am disabled?

September 21, 2021September 21, 2021Ed MacConnell

CMS Extends Open Enrollment Period

September 18, 2021September 18, 2021Ed MacConnell

Dental & Vision Plans for Families

September 6, 2021September 6, 2021Ed MacConnell

Anthem Blue Cross: New agreement with Trinity Health System extends access through 2025

August 22, 2021August 20, 2021Ed MacConnell

Medicare Supplement Plan F or G?

August 20, 2021October 20, 2021Ed MacConnell

Many of our clients ask what is the “best” Medicare supplement that they can buy. While there is no overall “best”, the Medicare Supplement Plan F is generally considered the most comprehensive coverage among Medicare supplements due to the fact that most services are covered without any member co-pay or cost sharing at all. Keep in mind that Medicare supplements, like Plan F do not cover prescriptions and that a beneficiary with Medicare supplement will need to have other coverage for prescription drug coverage. A little known fact about Medicare supplements is that they do not have an annual “open enrollment” period so a beneficiary with a supplement can… Read More

AmeriHealth New Jersey prepares to comply with new Transparency requirements

August 19, 2021August 19, 2021Ed MacConnell

HHS Extends Public Health Emergency until October 18, 2021

August 17, 2021August 16, 2021Ed MacConnell

Royal Caribbean Travel Insurance Requirements – We’ve Got You Covered!

July 30, 2021July 30, 2021Ed MacConnell

How To Find a Doctor You Trust

November 9, 2018November 8, 2018Kimberly Leonardi

How to Find a Doctor You Trust Get a list of in-network providers: Call your insurance company or look at their plan materials for a list of doctors in their network. You’ll usually pay less to see a doctor in your network than a doctor who’s out-of-network. You can also call your Broker and they can help assist you in getting the names of Doctors near you that accept your plan. Do your research: Ask friends and family if they recommend their doctors. You may even be able to read online reviews for doctors in your area. Online reviews are a great way to gauge things such as bedside manner and wait… Read More

Ways to Save Money on Your Prescription Drugs

November 2, 2018Kimberly Leonardi

Prescriptions costs are skyrocketing. We all know that. But did you know that there are several ways for people to save money on their monthly medications? As health insurance plans are becoming more catastrophic in nature, that means that people will need to become better health care consumers. Sometimes that means using the tools that the insurance company offers at no charge. Sometimes it means using discounts and other resources that are available outside the health plan. Here are a few ways, some already widely known and others not so much, to help drop down your costs at the Pharmacy. While this is not a comprehensive list of money-saving ideas, it is… Read More

Confused by Medicare? Learn How Our Approach Leaves You Feeling Confident About Your Choices!

August 23, 2018Kimberly Leonardi

End of Summer Social Media Drive 2018

August 16, 2018Kimberly Leonardi

Please help us get the word out on social media in August & September You Could Win a $25-$100 Amazon Gift Card!!! While everyone is getting ready for the End of Season BBQs, gearing up for Back-to-School, and trying to fit in as much adventure as possible the next few weeks, we here at Total Benefit Solutions are getting ready for our busiest time of year: Open Enrollments! Your friends and family members may not be concerned with the open enrollment period.. YET, but it is quickly approaching and we’d like to help them! As always, We appreciate all the referrals and recommendations that we get online from everyone, but we… Read More