Benefit Bytes September 2018
We keep this e-mail brief to respect your time and inbox while providing timely updates. With so much changing it's a challenge. Please click the links to get details and let us know if you need more information.
We Have Kicked Off Our 2018
End of Summer Social Media Drive!
Click here to find out how easy it is to get entered into our August/September Amazon Giftcard valued up to $100!!
Open Enrollment Season is coming..

As Summer comes to an end, we here at Total Benefit Solutions are gearing up for one of Our busiest times of the year: Fall . Open Enrollment applies to Medicare clients and Individual Clients (through the Marketplace); However both have different start and end dates. Check out the information below to see when you should apply for January 1st, 2019 coverage!

*Employer policies have start dates throughout the year. One of our dedicated account managers will contact you when it's time for your renewal to be discussed!
**Some people may qualify for a Special Enrollment Period.
Open Enrollment Dates through the Health Exchange for 2019 have been announced!
Starting November 1st, you can choose and apply for your 2019 policy through the Health Exchange. Open Enrollment runs only through December 15th, 2018 so it's important to make sure you give yourself enough time to review your options and choose a policy you feel certain about. The sooner you get your applications in, the easier the transition to your new policy will be!

Information on the policies available in your area will be released shortly. We will keep everyone updated once we receive them. Until then, if you have any questions, please let us know!
Medicare Open Enrollment

The  Open Enrollment Period runs from October 15th to December 7th. Coverage will start January 1st 2019.

During this time:
  • Anyone with Parts A & B can switch to Part C.
  • Anyone with Part C can switch back to Parts A & B.
  • Anyone who has or is signing up for Medicare Parts A or B can join, drop or switch Part D
  • Anyone with Medicare Part C can switch to a new Part C plan.

*If you are new to Medicare or had a life event, you may qualify for different enrollment periods.
Important Group Enrollment Notice
Recently we have had a number of enrollment requests denied by insurers. Please remember that in most cases the carriers only give us a 30 day window to make enrollment changes. Exceptions can only be granted by the carriers and are getting harder to obtain due to stricter enforcement of the enrollment guidelines.

Please submit your requests as soon as possible. If you aren't sure how to handle a transition, just ask!

Would You Like Us To Contact You Regarding Your 2019 Plan Options?
09/03/18 - 12/15/18

Please let us know if you would like a phone call or e-mail when 2019 plans are available to discuss in your area.
Please Call Me!
Please Email Me!
Open Enrollment Doesn't Apply To Me
Labor Day Holiday

In honor of Labor Day, on Monday, September 3rd, our office will be closed. We will re-open on Tuesday, September 4th at 9am sharp!
Coming Soon:
 Association Health Plans
On June 19, 2018, the U.S. Department of Labor expanded access to affordable health coverage options for America’s small businesses and their employees through Association Health Plans.

You're Getting A New Medicare Card

Don't worry if you have not received yours yet! Please reach out to one of our Medicare specialists at (215)355-2121 if you have any questions or concerns regarding your new Medicare card. Click here for more information
We Value Your Feedback!
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At Total Benefit Solutions your feedback is important to us. We work for your benefit and are here to serve our clients! Please take a moment to visit our page on Facebook and leave a review of your experience or take one of our our client surveys. 

Now More Than Ever You Need To Stay Informed
Things change faster now than ever. Clients often ask us why we do not send out e-mails more often. It's because if we did we would be overloading you with e-mails.

Instead, we post the most frequent updates right here on our  website To make it easier to find the latest benefit news that matters to you .

You may want to bookmark the page for easy reference, or you can the search feature in the top right hand corner to find specific information.

Thank you for your reading, your business, and your referrals!
Warm Regards, 
Edward T. MacConnell CBC, CHRS
Certified Healthcare Reform Specialist