Total Benefit Solutions, Inc

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…

10/11/2025

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…

09/01/2025

https://www.linkedin.com/posts/edmacconnell_are-we-leaving-a-burden-or-blessing-join-activity-7368274395213045761--gcQ?utm_source=share&utm_medium=member_desktop&rcm=ACoAAAAa9mIB2tUGdXQW32cM86-2QxAqF3MPeJM

Are We Leaving a Burden or Blessing? Join us for our next special event with preofessional speaker, advanced planning specialist and senior advocate Scott Mitchell A Seminar for Adults (Lunch Provided): Topics Include: - Organizing Your Important Documents - Veterans Benefits - Emergency Record Guid...

08/29/2025

At Highmark, we value the trust you place in us and are committed to providing timely and transparent information. As we look ahead to 2026, we want to inform you that we are adjusting plan availability on external quoting and enrollment platforms. This decision has been carefully considered to ensure that our broker partners are prioritizing plans that offer a long-tenure with Highmark....

At Highmark, we value the trust you place in us and are committed to providing timely and transparent information. As we look ahead to 2026, we want to inform you that we are adjusting plan availab…

08/17/2025

The Affordable Care Act (ACA) imposes a fee on issuers of specified health insurance policies and plan sponsors of applicable self-insured health plans to help fund the Patient-Centered Outcomes Re…

08/12/2025

On June 25, 2025, the U.S. Department of Health and Human Services (HHS) published a final rule to implement newstandards for the Affordable Care Act’s (ACA) Marketplaces (or Exchanges). According to HHS, improper Exchangeenrollments, enabled by weakened verification processes and expanded premium subsidies, have triggered “widespreadfraud.” The final rule’s changes are intended to address these problems with the goal of improving health care affordability…...

On June 25, 2025, the U.S. Department of Health and Human Services (HHS) published a final rule to implement newstandards for the Affordable Care Act’s (ACA) Marketplaces (or Exchanges). According …

08/08/2025

Join Mark Zinman each week as he explores a new topic that you may not have learned about before or given recent consideration. Mark takes a unique approach to financial literacy and education, presenting information in a way that makes sense to those not well-versed in financial matters, as well as those who want to expand their existing knowledge base.

This week's episode serves as part one of a two part series! Join Mark and Monica as they dive into key concepts to keep in mind before and during the interv...

08/07/2025

Employers that sponsor group health plans should provide certain benefit notices during their plans’ open
enrollment periods.

Some of these notices, such as the Summary of Benefits and Coverage (SBC), must be provided at open enrollment time. Other notices, such as the Women’s Health and Cancer Rights Act (WHCRA) notice, must be distributed annually. Although
these annual notices may be provided at different times throughout the year, employers often choose to include them in their open enrollment materials for administrative convenience. Some of these notices may be included in the plan’s Summary Plan
Description (SPD) or detailed benefits summary provided by a health insurance issuer or third-party administrator (TPA).
In addition, employers should review their open enrollment materials to confirm that they accurately reflect the terms and
cost of coverage. In general, any plan design changes for 2026 should be communicated to plan participants either through an
updated SPD or a Summary of Material Modifications (SMM). Ask us today for our compliance overview chart!