Your April Total Benefit Briefs

April 2015

Health Reform: At Total Benefit Solutions Inc., we are dedicated to providing the advice our clients need to remain compliant and make informed benefit decisions.

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2016 Limits, Reinsurance and Other Changes to the Exchange On February 27, 2015, the Department of Health and Human Services ("HHS") changed cost-sharing and transitional reinsurance program fee limits and released standards for health insurers and the Exchange (a.k.a. the Health Insurance Marketplace). This identifies a few items for employers Click Here

Group Health Plan Notices 2015 Calendar
From our partners at HR360: This calendar/checklist is designed to help companies review the key requirements that may apply to their employer group health plans under ERISA , the Affordable Care Act, Medicare and more. Click here.

Compliance and Health Reform Education Center

Total Benefits Comply is our Compliance and Health Reform Education Center where we will keep our health care reform bulletins throughout the year, in an easy to view format, along with short informative videos. Click here for Total Benefits Comply.

Employer Shared Responsibility Guide

Questions about your organizations compliance with the ACA? Do you qualify? What about measurement periods, stability periods, forms? Download our Employer Shared Responsibility Guide today courtesy of Think HR. Click here.

Download our 2014 Compliance Bulletin Compilation, featuring all of our compliance bulletins for the last year!

Have More Questions about the Affordable Care Act?
Still have questions about the ACA and how it affects you or your company? Please call us today and we will get you the answers you need!

Medical Health Advisor: Health Advocate

Total Benefit Solutions, Inc. now offers the Medical Health Advisor benefit! Watch this short video and ask us how your organization can benefit from offering this personal health advocate service to your employees! Now available for non-group clients as well! Watch this short video for more information or click this link.

Medical Health Advisor

Confused by Medicare? Total Benefit Solutions Can Answer All of Your Medicare Questions!

Question: If an employee turns age 65 this month and enrolls in Medicare Part A, can he still receive/contribute funds into an HSA until the end of the year or must he enroll in a different plan now? Click here for the answer.

Did You Know? Medicare supplements do not have an annual open enrollment! Medicare beneficiaries on supplement plans can do comparative shopping and change plans at anytime during the year! Click here for more Medicare Supplement Facts you probably didn't know!

Your Feedback Is Important!

At Total Benefit Solutions Inc., our services are only as good as our clients say they are. We value the feedback you provide and we are always listening for ways to make our services better and more valuable to you. Without you, our business means nothing!

Please help us get better today by taking a short online survey.

Click here for the group client survey.

Click here if you have recently called for a question or issue.

Now More Than Ever, You Need To Stay Informed

Things change faster now in weeks, than they used to in years. Clients often ask us why we do not send out bulletins more often. Simply because if we did we would be sending you notices many times each month, cramming your inbox.

To avoid that, we post frequent updates on our website.

Use the search feature in the top right hand corner to find specific information.

We try to keep this newsletter brief and to the point to respect your time and inbox space. In these times of so much change that certainly is a challenge. Thank you for subscribing!

Warm Regards,

Edward T. MacConnell CBC, CHRS
Certified Healthcare Reform Specialist