Total Benefit Solutions, Inc

12/08/2025

For your awareness: Individual Coverage HRAs (ICHRAs) are changing the game for employee benefits. Here’s what you need to know:

- Employers gain maximum flexibility, offer personalized health benefits without one-size-fits-all group plans.
- Employees choose the coverage that works best for THEM (and their families), not just what’s available.
- No more guessing: Employers set budgets, employees pick plans. No wasted spend.
- ICHRA is compliant with ACA rules, ideal for businesses seeking cost control and regulatory peace of mind.

Ready to elevate your benefits strategy? Learn how Total Benefits can make ICHRA work for your business. Reach out today and let’s fight for the best solution together!

12/07/2025

For your awareness: The Medicare Open Enrollment period ends Tuesday, December 7th. This is your final chance to review, compare, or make changes to your coverage for 2025.

If you’re planning on switching Medicare Advantage or Part D plans, or you want to confirm your current plan still meets your needs, now is the time to act. Missing the deadline could mean being locked into your existing coverage for another year.

Questions about plan options, formularies, monthly premiums, or what plan coordination means for your situation? Reach out and let Total Benefits advocate for you!

Call-to-action: Connect with us for expert, no-cost guidance before the deadline.

12/06/2025

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 …

12/01/2025

TEMPORARY SEP

Temporary SEP for year one of the Medicare Plan Finder MA Provider Directory For your awareness, CMS has a new Special Election Period (SEP) for 2026 – Code: DIR SEP. This SEP allows beneficiaries who enrolled directly through the Medicare Plan Finder (MPF) to make a plan change if the MPF Provider Directory included incorrect information and is only valid for 1/1/26-12/31/26 enrollments....

Temporary SEP for year one of the Medicare Plan Finder MA Provider Directory For your awareness, CMS has a new Special Election Period (SEP) for 2026 – Code: DIR SEP. This SEP allows beneficiaries …

11/29/2025

https://planenroll.com/?purl=Edward-MacConnell

11/28/2025

United Concordia dental

United Concordia Dental offers a digital member ID that makes accessing your dental plan information quick and easy. With your digital ID, you can view your plan details anytime on your phone, tablet, or computer. Whether you need your member ID number for customer service, submitting claims, or managing your benefits, it's always available at your fingertips. Download the United Concordia dental or create an account online. Digital ID Card FlyerDownload

United Concordia Dental offers a digital member ID that makes accessing your dental plan information quick and easy. With your digital ID, you can view your plan details anytime on your phone, tabl…

11/17/2025

New legislation expands benefit accounts

Here’s what you need to know about HSA and DC-FSA changes. New legislation in the H.R.1 Bill, more commonly known as the One Big Beautiful Bill Act (OBBBA), expanded the rules around Health Savings Accounts (HSAs), including enrollment eligibility and eligible expenses, and Dependent Care Flexible Spending Accounts (DC-FSAs). Most changes will go into effect Jan. 1, 2026, however one change regarding telehealth services is retroactively effective to Jan....

Here’s what you need to know about HSA and DC-FSA changes. New legislation in the H.R.1 Bill, more commonly known as the One Big Beautiful Bill Act (OBBBA), expanded the rules around Health Savings…

11/15/2025

Medicare 2026 Part B premiums and deductibles released....

Each year, the Medicare Part B premium, deductible, and coinsurance rates are determined according to provisions of the Social Security Act. The standard monthly premium for Medicare Part B enrolle…

11/15/2025

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11/15/2025

Each year, the Medicare Part B premium, deductible, and coinsurance rates are determined according to provisions of the Social Security Act. The standard monthly premium for Medicare Part B enrollees will be $202.90 for 2026, an increase of $17.90 from $185.00 in 2025. The annual deductible for all Medicare Part B beneficiaries will be $283 in 2026, an increase of $26 from the annual deductible of $257 in 2025…...

Each year, the Medicare Part B premium, deductible, and coinsurance rates are determined according to provisions of the Social Security Act. The standard monthly premium for Medicare Part B enrolle…

11/14/2025

Choosing the right health insurance can be overwhelming, but the new Individual coverage HRA(ICHRA) option makes it easier for employers and employees to find affordable, flexible coverage that fits their needs. With an ICHRA, businesses of any size can reimburse employees for the individual health insurance plan that works best for them creating more choice, more control and often more savings....

Choosing the right health insurance can be overwhelming, but the new Individual coverage HRA(ICHRA) option makes it easier for employers and employees to find affordable, flexible coverage that fit…