Total Benefit Solutions, Inc

02/01/2026

Lost Your Job? Here's Your Complete Guide to Health Insurance Options (COBRA vs ACA vs Medicaid Compared)

Losing your job hits hard enough without worrying about losing your health insurance too. The good news? You've got options, and we're going to walk through every single one so you can make the smartest choice for your situation. Here's the reality: You have 60 days from your last day of coverage to make a decision. That might seem like plenty of time, but trust me: these 60 days fly by when you're dealing with job searches, unemployment paperwork, and everything else that comes with a career transition....

Losing your job hits hard enough without worrying about losing your health insurance too. The good news? You've got options, and we're going to walk through every single one so you can ma…

01/29/2026

7 Mistakes You're Making with Group Health Insurance Costs (and How to Fix Them)

Let's be real: group health insurance for employers isn't cheap. And if you're running a small or mid-sized business, every dollar counts. The frustrating part? Many business owners are overspending on their group health benefits without even realizing it. The good news is that most of these costly mistakes are completely fixable. You just need to know what to look for....

Let's be real: group health insurance for employers isn't cheap. And if you're running a small or mid-sized business, every dollar counts. The frustrating part? Many business owners …

01/28/2026

Turning 26? You’re about to age off a parent’s plan: don’t wait.

If you’re losing coverage when you turn 26, that’s a Qualifying Life Event (QLE) and triggers a Special Enrollment Period (SEP) for ACA Marketplace coverage.

Do this now:
• Confirm your “loss of coverage” date with the current plan
• Apply for an ACA plan as soon as your SEP opens (coverage start dates depend on when you enroll)
• Have documents ready (proof of coverage ending, ID, income)
• Compare metal tiers (Bronze/Silver/Gold) + subsidies/CSR if eligible

Miss the SEP and you may be stuck uninsured until the next Open Enrollment.

Need us to run the numbers and handle the enrollment details? Call Total Benefit Solutions at (800) 123-4567.
www.totalbenefits.net

01/28/2026

Small businesses are making the switch from traditional group health plans to ICHRAs and QSEHRAs for flexibility, control, and predictable costs. Why? With health reimbursement arrangements, each employee chooses the coverage that works best for them: no more one-size-fits-all headaches. Owners can set their budget, control expenses, and attract top talent with customized healthcare benefits. It’s a smart, compliant way to offer real choice and peace of mind in today’s changing insurance market.

Ready to upgrade your benefits strategy? Call us at 215-355-2121 or visit www.totalbenefits.net to talk with an expert who advocates for your business.

01/27/2026

Life changes fast: and so do your health insurance needs! If you missed Open Enrollment, you might still qualify for a Special Enrollment Period due to events like losing other coverage, moving, getting married, or welcoming a new child.

Don’t risk going uninsured: we can help determine if you qualify and handle all the paperwork, so you get the protection you deserve: no insurance maze required.

Message us or call Total Benefit Solutions today to review your options. You can review, compare and enroll on plans in minutes!

01/26/2026

Medicare Secondary Payer Rules Explained: Your Quick-Start Guide to 2026 Compliance

If you're an employer offering group health benefits, or an employee trying to figure out how your coverage works alongside Medicare, the Medicare Secondary Payer (MSP) rules are something you absolutely need to understand. And with 2026 shaping up to be a major enforcement year, now's the time to get your compliance ducks in a row. Let's break down what the…...

If you're an employer offering group health benefits, or an employee trying to figure out how your coverage works alongside Medicare, the Medicare Secondary Payer (MSP) rules are something you…

01/25/2026

Medicare drug prices are making headlines in 2026: significant drops are coming for many common prescriptions. If you’re new to Medicare, here’s what it means for your wallet:

- Lower out-of-pocket costs on select high-use drugs
- More predictable expenses on medications starting this year
- Greater flexibility to review and compare coverage during enrollment

As Medicare continues rolling out cost-saving changes, now’s the time to stay informed and make sure your plan fits your needs. Navigating these updates can be challenging, but you don’t have to do it alone.

Ready to maximize your benefits or need help understanding how these changes impact you? Connect with the experts at Total Benefit Solutions. Call us at 215-355-2121 or visit www.totalbenefits.net for one-on-one guidance.

01/25/2026

Missed the Medicare Open Enrollment window? You’re not out of options! Special Enrollment Periods may apply if you’ve lost coverage, moved, or have qualifying life changes. We’re here to walk you through your alternatives and fight for the coverage you deserve: no matter your situation. Total Benefit Solutions specializes in navigating complex insurance rules and getting you access to care, even when the deadline’s passed.

Ready to take action? Contact us today for a free review and next steps: www.totalbenefits.net | (215) 355-2121

01/22/2026

Looking For Affordable Group Health Benefits? Here Are 10 Things Small Businesses Should Know

Running a small business means wearing a dozen hats, and figuring out affordable group health insurance shouldn't require a PhD in healthcare policy. Yet here you are, trying to attract top talent while keeping your budget intact. Good news: group health benefits for small business owners are more accessible than you might think. Whether you've got two employees or twenty, there are options that won't drain your bank account....

Running a small business means wearing a dozen hats, and figuring out affordable group health insurance shouldn't require a PhD in healthcare policy. Yet here you are, trying to attract top ta…

01/21/2026

Every email, every letter, every phone call: document it. That’s how we help clients get what they are owed. Here’s how: One of our clients received an unexpected denial on a procedure. Instead of giving up, we pulled together every document: policy docs, doctor’s notes, dated call logs, and email chains. Armed with proof, we challenged the insurance denial: and won. That victory saved our client thousands of dollars and secured the coverage they deserved.

Documentation tips:
- Save all correspondence with your insurer and providers
- Keep copies of submitted forms and receipts
- Log dates, times, and names for every call
- Organize files digitally for quick access
Need someone in your corner? Call Total Benefit Solutions at (215) 355-2121. We never accept no for an answer.

01/21/2026

Big changes to Health Savings Accounts (HSAs) for 2026: Bronze and Catastrophic ACA plans are now HSA-qualified! This means more options for maximizing your tax-advantaged healthcare savings, even for younger adults and those shopping for affordable coverage.

Here’s what it means:
- Bronze and Catastrophic ACA plans purchased for 2026 will allow HSA contributions.
- You can use pre-tax dollars for eligible healthcare expenses and grow savings year after year.
- Connect with us to review your options, enroll, or ask questions about HSAs, ACA plans, and other solutions that fit your needs!

Stay ahead of the regulatory curve. Our team navigates the new rules, so you get the maximum benefits with less stress.

Call us at 215-355-2121 or visit www.totalbenefits.net for personalized assistance.

01/21/2026

Surprise medical bills are still happening , and you don’t have to just pay them.

Fight back when you see:
- Out-of-network charges after an “in-network” hospital visit
- Anesthesiology, radiology, pathology, ER provider bills you didn’t choose
- Balance billing or a “non-covered” denial that doesn’t match your plan
- Duplicate charges, coding errors, or inflated patient responsibility

Under the federal No Surprises Act, many emergency services and certain non-emergency services at in-network facilities must be treated as in-network (and balance billing is restricted). If your bill looks wrong, dispute it.

Need an advocate who won’t take “no” from the carrier or the billing office? We’ll review the EOB, compare it to the claim, and help you challenge it.

Call Total Benefit Solutions: 215 355 2121
www.totalbenefits.net

Health Insurance Benefits for Business groups, Seniors and families