Total Benefit Solutions, Inc

01/18/2026

Did you know that when ACA subsidies expire, your health insurance premium can shoot up – fast? Recently, we worked with a 26-year-old client who was staring down a shocking premium increase after losing their subsidy. We acted immediately: reviewing plan options, breaking down compliance rules, and negotiating with carriers to secure an affordable, compliant solution. No one should have to choose between healthcare and financial stability. If you’re in your 20s and facing a premium hike, don’t settle for the first answer. We’ll advocate for you, explain your options, and help you keep great coverage without breaking the bank.

Questions? Call us at 215-355-2121 or visit www.totalbenefits.net.

01/18/2026

New year, new rules: Are you on Medicare and under 40? 2026 brings expansions that could boost your benefits: especially if telehealth fits your lifestyle. Many younger recipients still don’t realize they now qualify for coverage that supports remote doctor visits, mental health services, medication management, and more.

Don’t leave these advantages on the table just because Medicare feels complicated. At Total Benefit Solutions, we cut through the confusion so you can make the most of every new benefit. Wondering if your plan covers the latest? Not sure where to start? Give us a call at 215-355-2121 for a quick review and guidance.

Quality care shouldn’t have age limits. Let’s make sure you don’t miss out.

01/18/2026

Is "Junk" Insurance Worth It? Understanding Short-Term Health Plans

Short-term health insurance plans have earned the nickname "junk insurance" from critics, but that doesn't tell the whole story. While these plans come with serious limitations, they can serve a purpose in very specific situations. The question isn't whether they're inherently good or bad: it's whether they're right for your particular circumstances. Let's cut through the noise and break down exactly what you're getting (and what you're not getting) with short-term health plans, so you can make an informed decision....

Short-term health insurance plans have earned the nickname "junk insurance" from critics, but that doesn't tell the whole story. While these plans come with serious limitations, they…

01/17/2026

Love Fig Newtons? So do we: and just like finding the perfect snack, getting the right health insurance or employee benefits shouldn’t crumble under pressure. Whether you’re sorting out ACA options, navigating Medicare, or weighing plan choices for your business, you don’t have to go it alone.

At Total Benefit Solutions, we help you "fig-ure" it out: making the process easy, clear, and personalized so you get the coverage you deserve.

Have questions? Call us at (215) 355-2121 or visit www.totalbenefits.net for expert guidance and real advocacy.

01/16/2026

Does Group Health Plan Compliance Really Matter in 2026? Here's the Truth

Let's cut right to it: if you're an employer offering group health insurance, compliance isn't optional. It's not a "nice to have." It's the law. And in 2026, the requirements are more detailed: and the deadlines more numerous: than ever before. We get it. You're busy running a business. The last thing you want to think about is a mountain of IRS forms, federal attestations, and employee notices....

Let's cut right to it: if you're an employer offering group health insurance, compliance isn't optional. It's not a "nice to have." It's the law. And in 2026, the…

01/15/2026

Did you know there are Medicare hacks to cut your out-of-pocket costs? From selecting the right plan, to leveraging preventive services and exploring local/state programs, our team is always uncovering new ways to help clients stretch every dollar. We dig deep: review plan networks, double-check prescription coverage, and identify cost-sharing reductions you might miss.

Feel like you’re overpaying or getting denied for something you need? Don’t settle. We’ll advocate on your behalf, challenge billing discrepancies, and make sure you get every benefit you deserve.

Ready for expert guidance? Message us or call to see how we can help you save more and worry less.

01/14/2026

Major changes may be coming to health insurance for small businesses in 2026! With ACA subsidies possibly expiring this year, employers need to review their current benefits plans, evaluate contributions, and prepare for potential cost increases or stricter eligibility guidelines.

Proactive steps for owners:
- Audit your current group health plan costs and coverage.
- Communicate early with employees about possible changes.
- Explore all available options: ICHRAs, QSEHRAs, level-funded plans, and more.
- Consult a benefits expert now to avoid last-minute surprises.

Questions? Total Benefit Solutions is your advocate. Call us at (215) 355-2121 for a readiness review today!

01/14/2026

What Is Minimum Essential Coverage (MEC)? Understanding Your Health Plan Options

If you've ever shopped for health insurance, you've probably come across the term "Minimum Essential Coverage" or MEC. It sounds official. Maybe even a little intimidating. But here's the thing, it's actually a pretty straightforward concept once you break it down. Let's cut through the jargon and talk about what MEC actually is, why it matters in 2026, and how it affects you whether you're an individual looking for coverage or an employer trying to do right by your team....

If you've ever shopped for health insurance, you've probably come across the term "Minimum Essential Coverage" or MEC. It sounds official. Maybe even a little intimidating. But …

01/14/2026

It's officially tax season: don’t let your HSA get lost in the paperwork! Not sure what forms you'll need or when they're available? Check out our HSA Tax Time FAQ for answers to all your pressing tax-time questions, so you can file with confidence and maximize your savings.

👍 Quickly navigate HSA tax reporting, form deadlines, and claim tips: no more stress or second guessing.

Visit www.totalbenefits.net or call (215) 355-2121 for expert guidance from Total Benefit Solutions.

01/13/2026

Health care costs keep rising: so what is reference-based pricing and how can it help?

Reference-based pricing (RBP) puts you in control by paying providers a set amount based on established benchmarks, not what insurers bill. This strategy means:
• Transparent pricing you can actually negotiate
• Potential for significant savings: sometimes up to 30%
• Less guesswork, less unexpected bills

RBP is gaining traction with small businesses and benefit-savvy individuals. It’s powerful but complex: make sure you have an experienced advocate in your corner!

Ready to rethink your health plan? Contact Total Benefit Solutions at www.totalbenefits.net or call 215-355-2121.

01/11/2026

Most people give up when a claim is denied, but not our clients. Did you know less than 1% of denied health insurance claims are ever appealed? At Total Benefit Solutions, we turned a $50,000+ denied claim into a WIN for our client. We don’t just accept “no” : we advocate, appeal, and keep fighting for your rights. If you’re overwhelmed by insurance bureaucracy or stuck with a denied claim, you have options. Call us today at 215-355-2121 and let’s get your benefits back on track.

01/09/2026

Sick of hearing "no" from insurance companies? At Total Benefit Solutions, that's just where we get started. Every time a claim is denied, our team pushes back, calls for the paperwork, and keeps fighting until our clients get the coverage they deserve. We've overturned countless denials: helping families access life-saving treatments, protecting small businesses, and making sure seniors get the Medicare benefits they're entitled to. "No" is never the final word when your health and finances are on the line.

If you need someone who won’t stop until you have real answers, let’s talk. Our experts are ready to fight for you.

☎️ 215-355-2121