Stranger Things
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Cosmic Funnies
ç„æ„ / Permanent Vacation
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Sweet Seals For You, Always
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Janaina Medeiros
2025 on Tumblr: Trends That Defined the Year
Love Begins
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Lint Roller? I Barely Know Her
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@totalbenefits
Tired of âDoctor Not Coveredâ? How to Escape the HMO/EPO Trap in 2026 You know the feeling. Youâve spent hours researching plans, comparing premiums, and finally hitting "enroll." Then, three months later, you try to schedule an appointment with your trusted specialist only to hear those four soul-crushing words: âŠ...
Do You Really Need Minimum Value Plans? The Truth About the 2026 ACA Affordability Hike
Navigating the world of employee benefits often feels like trying to read a map that changes every time you look at it. If you are a business owner or a HR manager, youâve likely heard whispers about the upcoming "Affordability Hike" for 2026. This isnât just another minor adjustment to the rules. The IRS recently released Revenue Procedure 2025-25, which sets the new standards for whatâŠ
Dr. Ben E. Fitz and the Mandated Leave Maze: Survival Guide for 2026
Welcome to 2026, where the only thing rising faster than the morning sun is the complexity of state-mandated benefit laws. If you feel like youâre wandering through a hedge maze without a map, you arenât alone. Small and medium-sized business (SMB) owners across the country are currently facing a "tug-of-war" that would make a professional athlete sweat. On one side, you want to provide top-tierâŠ
Care for the Caregivers: Unique Benefits Home Health Teams Actually Want
If you run a home healthcare agency, you already know the statistics: but that doesnât make them any easier to swallow. Currently, the home-based care industry is facing a turnover crisis that would make most business owners' heads spin. Recent data shows that caregiver turnover has hit a staggering 77%, with nearly four out of five caregivers leaving within their first 100 days of employment. InâŠ
Medicare Secondary Payer Rules: 15 Things You Need to Know to Avoid Penalties
Listen, we get it. Running a small business is like trying to change a tire on a car that's currently doing 70 mph on the turnpike. Youâve got payroll to manage, customers to keep happy, and somewhere in that pile of paperwork is a folder labeled "Medicare Secondary Payer (MSP) Rules" that looks about as appetizing as a week-old tuna sandwich. But ignoring these rules isnât just a bad idea; itâsâŠ
Blue Card PPO: The "Don't Leave Home Without It" of Health Insurance
WordPress Category: Medicare Weâve all been there. Youâre packing your bags for a long-awaited cross-country trip or perhaps moving your oldest child into their first college dorm three states away. Amidst the excitement of travel or the bittersweet goodbyes, a nagging thought usually creeps in: "What happens if someone gets sick?" In the world of health insurance, being "out of network" can feelâŠ
Closing the Gap: How Voluntary Benefits Protect Your Team from High Deductibles
WordPress Category: Medicare For many business owners, providing health insurance is a balancing act between offering quality care and managing the rising cost of premiums. In recent years, the solution for most has been the High-Deductible Health Plan (HDHP). While HDHPs are an effective way to lower monthly premiums and provide employees with access to Health Savings Accounts (HSAs), they oftenâŠ
Supreme Court Clears the Path: Lower Medicare Drug Prices are Officially Coming
The landscape of healthcare in America just took a significant turn toward affordability. In a landmark moment for seniors across the country, the Supreme Court has declined to hear a major challenge to the Medicare Drug Price Negotiation Program. This decision marks the end of a long legal battle initiated by some of the world's largest pharmaceutical companies. By refusing to take up the case,âŠ
Infographic: Navigating the 2027 Medicare Part D Overhaul
Buckle up, because the world of medicare drugs is getting a total makeover. If youâve spent any time navigating the maze of Medicare Part D over the last decade, you probably remember the dreaded "Donut Hole", that confusing gap in coverage that felt like falling into a financial pit just when you needed help the most. Well, by 2027, the Donut Hole isn't just closed; itâs ancient history. AtâŠ
Reference Based Pricing: How to Stop Paying "Retail" for Your Employees' Healthcare
WordPress Category: Medicare If you walked into a car dealership and the salesperson told you the MSRP for a basic sedan was $450,000, but "just for you," they could offer a 90% discount to bring it down to $45,000, youâd walk out. Youâd know the "retail" price was a total fiction designed to make the final price look like a steal. Yet, this is exactly how most businesses buy healthcare forâŠ
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BuxMont HR Association
Letâs be honest: most small business owners would rather read the fine print on a shampoo bottle than dive into the federal register. But when it comes to Medicare Secondary Payer (MSP) rules, "ignorance is bliss" is a high-speed ticket to a disaster
The PEO Puzzle: Is Co-Employment a Dream or a Trap for Your Business?
For many small to mid-sized business owners, managing employee benefits feels like a second full-time job. You want to offer affordable group health insurance, but the sheer weight of payroll, compliance, and administration can be suffocating. Enter the PEO, or Professional Employer Organization. A PEO promises to take the burden off your shoulders, offering "big company" benefits and high-techâŠ
Medicare Secondary Payer Rules: 15 Things You Need to Know to Avoid Penalties
Letâs be honest: most small business owners would rather read the fine print on a shampoo bottle than dive into the federal register. But when it comes to Medicare Secondary Payer (MSP) rules, "ignorance is bliss" is a high-speed ticket to a financial car crash. At Total Benefit Solutions Inc, we spend our days navigating the labyrinth of health insurance regulations so you don't have to. WeâveâŠ
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Category: Medicare Things change if you are on Medicare due to a disability rather than age. The government gives larger employers more responsibility here. Large Group Health Plan (100+ Employees): If the employer has 100 or more employees, the employer plan pays Primary. Smaller Groups (Under 100 Employees): Medicare pays Primary. This is a common "gotcha" for businesses with 50 or 75âŠ
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Laughter is the Best (Secondary) Policy: A Collection of Insurance Broker Humor
Letâs be honest: navigating the world of health insurance can often feel like trying to solve a Rubikâs Cube while blindfolded, and the cube is on fire. At Total Benefit Solutions Inc, we spend our days knee-deep in policy manuals and government regulations (the "un-fun" stuff), so we know exactly how stressful this industry can be. Sometimes, the only way to handle a denied claim or a risingâŠ
A Little Health Insurance Humor: The Deductible Dilemma
Weâve all been there. Youâve spent the entire year tracking every co-pay, every prescription, and every specialist visit like a detective on a high-stakes case. You finally hit that magic number, the annual deductible, and youâre ready to let the insurance company take the wheel for a bit. Then you look at the calendar. Itâs December 31st. In about six hours, that beautiful, $0-out-of-pocketâŠ
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