October 2019
Open Enrollment Special Edition
Medicare and ACA Open Enrollment is quickly approaching. Medicare's Annual Enrollment Period begins on October 15th and the ACA (Obamacare) Open Enrollment Period starts November 1st. This newsletter will give you all the information you need to choose the best plans possible. We are also going to include other important information for everyone, not just those with upcoming plan changes.
Top Insurance Topics This Month

I received my letter regarding the changes, and I don't want to make any changes.

I want to look into my options, but I am very busy!

I Want Total Benefits Solutions To Help Me!


What Other Options for Coverage Do

CMS Recognizes Total Benefit Solutions
In September and October, if enrolled on an ACA or Medicare Plan, you should have received two letters from your Insurance carrier in regards to changes to your policy in 2020. We had asked you to hold onto these in the last newsletter and there is an important reason, why.

Every year these policies change. Sometimes there aren't many differences and sometimes the plan you are on currently will not be available in 2020, so the Insurance Company is telling you about the new policy you will be switched to January 1st if you don't make a change.

If you want to keep your plan (or the replacement plan) for 2020, the good news is, you don't have to do anything but continue to pay your premium. You will automatically re-enroll.

If you want to either change your policy or just want to shop around, you have different options. In order to figure out your next steps, please see the blue sidebar to the left and click on the situation that applies to you.

As always, if you have any questions or concerns, you can give us a call at 215-355-2121.
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Ask the Expert...
Do you qualify for a Subsidy through the ACA Marketplace?
Ed Doctor Hero Ben E Fitz
Summer is coming to a close and with the ACA Open Enrollment coming up, people are looking at their options. Our biggest question tends to be if someone can get a policy through the Marketplace that offers comparable (or better) coverage as their Employer Plan, but for less money.
Everyone has unique circumstances, so there is no general answer to that; However, your first step would be to fill out the "Eligibility Calculator" to see if you qualify for a subsidy. The subsidy offsets the cost of the monthly premium and can drastically reduce the cost. The eligibility calculator is easy to use and fast.
← Check your status instantly by clicking the button
The Newest Information On...
Traveling Soon? Ease Your Mind and Protect Your Wallet!
If you are going overseas or staying in a different part of the country, you will need protection for the “What Ifs?” Here at Total Benefit Solutions Inc, we wanted to give our clients affordable options to cover themselves and loved ones while traveling. you can easily run a quote, right now, from the comfort of your own home, so there is absolutely nothing to lose by seeing the affordable coverage options. Traveling isn't cheap, so protect your expenses and click the button below for more info and to run a quote!
Non-Traditional Protections
There are a variety of reasons why someone does not want to have or can not have a traditional Health Insurance Plan. From Finances to Ideologies, there are many unique reasons. Here at Total Benefit Solutions, Inc we have partnered with a few different organizations to help you find a benefit that fits your needs. Below are links to explain some of them. We also suggest reading this article to help explain some of the options. If you have any questions, please feel free to contact us!
Stay In Touch!
We hope you enjoyed this month's Benefit Bytes! If you have any questions or comments, we would love to hear from you! You can choose to take a client survey, e-mail us directly, or visit website for other ways how!
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Total Benefit Solutions, Inc. 215-355-2121
427 E. Street Road
Feasterville-Trevose, Pa 19053