Total Benefit Solutions, Inc

11/11/2025

CMS has just released information about Medicare Part D plans for 2026, including plan availability and premiums for the coming year. As this year’s Medicare open enrollment period approaches, there’s some good news for Medicare Part D enrollees when it comes to monthly PDP premiums – lower on average, according to CMS – even as the total number of PDPs available drops yet again....

CMS has just released information about Medicare Part D plans for 2026, including plan availability and premiums for the coming year. As this year’s Medicare open enrollment period approaches, ther…

11/03/2025

What is the Medicare Annual Enrollment Period (AEP), and when does it open and close? Most importantly, who can help you make a plan choice?

Contact me, a licensed insurance agent, to learn more! (215)355-2121 Total Benefit Solutions, Inc

11/03/2025

As previously reported, insurance carriers and plan sponsors of group health plans must submit information annually to the Centers for Medicare and Medicaid Services (“CMS”) attesting that their plans do not include prohibited gag clauses by December 31st each year. The next attestation is due by December 31, 2025. A gag clause is a contractual term that directly or indirectly restricts specific data and information that a plan or issuer can make available to another party....

As previously reported, insurance carriers and plan sponsors of group health plans must submit information annually to the Centers for Medicare and Medicaid Services (“CMS”) attesting that their pl…

10/30/2025

What do I need to know? Effective immediately, we’re consolidating billing addresses across all Pennsylvania markets. This change will streamline many steps in the billing process and allow for clearer communication to the market. It applies to clients in the following Highmark companies in small and large group: Highmark Health Insurance Company (HHIC) – Central and Western Pennsylvania Highmark Benefits Group (HBG) – Central Pennsylvania…...

What do I need to know? Effective immediately, we’re consolidating billing addresses across all Pennsylvania markets. This change will streamline many steps in the billing process and allow fo…

10/27/2025

Organizations Pledge Expanded Access to High-Quality Care in western Allegheny County and greater Beaver County as Heritage Valley’s Hospitals, Outpatient Clinics and Physician Practices become part of AHN and Highmark Health. Beaver, PA (Oct. 16, 2025) – Officials from Heritage Valley Health System (HVHS), the Heritage Valley Health System Foundation, Highmark Health and Allegheny Health Network (AHN) joined community leaders and hospital employees today to celebrate the signing of an affiliation agreement that will strengthen and expand the services that HVHS provides to residents in western Allegheny County, greater Beaver County and the surrounding region....

Organizations Pledge Expanded Access to High-Quality Care in western Allegheny County and greater Beaver County as Heritage Valley’s Hospitals, Outpatient Clinics and Physician Practices becom…

10/24/2025

The IRS has released cost of living adjustments for 2026 under various provisions of the Internal Revenue Code (“Code”). Some of these adjustments may affect your employee benefit plans. Cafeteria Plans – Health Flexible Spending Arrangements Annual contribution limitation For plan years beginning in 2026, the dollar limitation under Code Section 125(i) for voluntary employee salary reductions for contributions to health flexible spending arrangements (“health FSAs”) increased from $3,300 to $3,400....

The IRS has released cost of living adjustments for 2026 under various provisions of the Internal Revenue Code (“Code”). Some of these adjustments may affect your employee benefit plans. Cafeteria …

10/14/2025

Think of Paid Family & Medical Leave (PFML) in Delaware as a 2-lane highway: the State Plan and the Private Plan. The destination is the same no matter which route an employer chooses, but depending upon their circumstances, employers might find that one or the other is an easier trip. Employers who haven’t decided which path to choose will need to do so soon....

Think of Paid Family & Medical Leave (PFML) in Delaware as a 2-lane highway: the State Plan and the Private Plan. The destination is the same no matter which route an employ…

10/10/2025

Global health insurance for todays global travelers

You may be traveling for leisure, business or long-term. We have global health insurance plans for your every need.

10/08/2025

Video: Health Insurance Open Enrollment

Visit the post for more.

10/07/2025

Below is an important notice from Independence Blue Cross regarding Medicare Part D notification requirement for 2025-2026 Dear Valued Benefits Administrator: As you may know, employers that offer prescription drug coverage to their Medicare-eligible employees, retirees, and dependents (collectively referred to as "members") must notify them by October 15, 2025 of whether that coverage is "creditable" or "non-creditable." We are writing to remind you that requirement and to provide you with information on the statues of Independence Blue Cross (Independence) prescription drug plans....

Below is an important notice from Independence Blue Cross regarding Medicare Part D notification requirement for 2025-2026 Dear Valued Benefits Administrator: As you may know, employers that offer …

09/04/2025

Ahead of Medicare’s annual mid-year announcement about the national average premium for Part D prescription drug coverage in 2026 and other plan details, two questions loom large for the insurers that sponsor Part D stand-alone prescription drug plans (PDPs) and the 23 million people in traditional Medicare who are currently enrolled in these plans. Will the Trump administration continue Medicare’s Part D premium stabilization demonstration for a second year, and what will the PDP market look like in 2026 and in subsequent years?...

Ahead of Medicare’s annual mid-year announcement about the national average premium for Part D prescription drug coverage in 2026 and other plan details, two questions loom large for the insurers t…