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October 2015


Open Enrollment Has Arrived at Total Benefit Solutions

October 15th-December 7th: Medicare Annual Open Enrollment Period. This is the time for everyone with a Medicare Advantage, Supplement or PDP Drug Card to review their ANOC and re-evaluate their plans for 2016. If you want our professionals to review everything with you, please call us and get on our calendar right away, it's filling up fast!

November 1st January 31st 2016: Affordable Care Act Individual  Marketplace Open Enrollment Period This period is for those who have individual or personal health insurance plans, on and off the Marketplace. If this is you, and you have a marketplace plan, you will want to log in and confirm your information at and then give us a call for a client briefing. You don't want to be stuck in a bad plan for all of next year! 

In addition we are strongly encouraging our clients with personal health plans to consider enrolling on our Benefit Aid bundle. With all the difficulties and confusion these days, the personal health advocate benefit is worth the price, alone.  

Click here for information and to enroll your entire family for only $19.95 per month.

November 15th to December 15th ACA SHOP ( Small Business Health Options) Open Enrollment Period. For the first time ever, small business can get multiple carrier and plan choices through the Marketplace. Total Benefit Solutions dedicated professionals are certified in SHOP enrollment. There can be an advantage to a small group ( under 25 employees) to enroll in the SHOP. Especially if your group renewal is in the 1st Quarter of 2016, or if you would like to offer plan choices from different insurers. Call us today and ask us about the small group SHOP enrollment.



3d penalty or insurance sign concept, isolated in white background with clipping path
Introducing ACA Reporting Services
Total Benefit Solutions is proud to announce that we have partnered with best in class vendors to provide ACA compliance and reporting services. 
Let Total Benefit Solutions do the work for you. Ask us today about turnkey ACA reporting solutions for your organization.
1095 A tax form

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. Things are changing faster in ten weeks, than they used to in ten years! Check out our latest bulletins by clicking here.

  • Is your company ready for the new reporting requirements? Click here
  • All Check Compliance Tool click here
  • Need Draft 2015 Form 1095-C and Instructions? Click here
  • Group Health Plan Notices 2015 Calendar: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:  Compliance and Health Reform Education Center where we will keep our health care reform bulletins along with short informative videos. Click here for Total Benefits Comply.
  •  Employer Shared Responsibility Guide: Download our Employer Shared Responsibility Guide today courtesy of Think HR. Click hereEmployer Reporting Guide for Large Employers: Click here

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! 
Don't miss our upcoming workshops and events!

Upcoming Events
Senior Expo Table Stop by and see us at these events:
Friday October 23, 2015 from 2:00 PM to 4:00 PM EDT
Brian Fitzpatrick is the president and owner of Bright Star Healthcare in Feasterville. He will be answering your questions about planning for home care. BrightStar Care is a PA State licensed home care agency that is also Joint Commission Accredited specializing in reliable, skilled, and trusted caregivers that provide excellent patient care.  Lower Southampton Library Click to register

PATHS Meet N Greet  Hosted by Lower Bucks Hospital, 501 Bath Road, Bristol, PA 19007,  Tuesday, October 27th 5:00 P.M. to 7:00 P.M. Click here
Required Medicare Part D Notice Due

The Medicare Modernization Act (MMA)  requires employers  whose policies include prescription drug coverage to provide a written disclosure notice to all Medicare eligible policyholders of whether such coverage is creditable.  Click here for this important bulletin.


Your Feedback Is Important To Us!

We are only as good as our clients say we 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.
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. Instead , 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

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