Total Benefit Solutions, Inc

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

01/21/2026

Insurance can be complicated, but you don't need to juggle every detail. At Total Benefit Solutions, we "wear a lot of hats" so you don't have to: advocating, consulting, troubleshooting, and always fighting for your benefits.

Let us handle the heavy lifting on your health insurance and employee benefits, so you can focus on what really matters to you. Call us today at (215) 355-2121 or visit www.totalbenefits.net to see how we can help!

01/21/2026

Medicare denied your claim? You’re not alone: and you don’t have to fight the system by yourself. At Total Benefit Solutions, we specialize in challenging denied claims, breaking down complex regulations, and demanding the answers you deserve.

✔️ Investigate every denial
✔️ Appeal on your behalf
✔️ Navigate regulatory channels, so you get results: no endless phone trees

If you’ve hit a wall, our expertise becomes your advantage. Don’t let insurance red tape cost you coverage you’re entitled to.

Questions about your claim? Connect with us today: let’s get you what you’ve earned.

01/20/2026

Denied Medicare claim? Not on our watch. At Total Benefit Solutions, we recently helped a client overturn a Medicare denial and secure their benefits after the insurer said “no.” How? We dug into the regulatory details, challenged the documentation, and didn’t drop the case until our client got covered.

You don’t have to take no for an answer. Need help with a denied claim or confusing Medicare issue? Let’s talk about your options: we’re here to advocate for what you deserve.

Contact us for a consult. Don’t let red tape stand between you and your benefits.

01/19/2026

Open enrollment can get busy: sometimes the right snack is your secret weapon! Today is National Popcorn Day, and around here, the paperwork’s easier to tackle with a bowl of popcorn by our side. We know reviewing benefit options and navigating insurance details isn’t always a breeze, but we’re here to keep it simple (and maybe a little more fun).

What’s your go-to snack to power through open enrollment? Share in the comments!

Questions about your health coverage or those last-minute plan changes? Call us at 215-355-2121 or visit www.totalbenefits.net. Let’s pop those enrollment headaches!

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…