★★★★★
Tamela and staff were extremely knowledgeable, helpful and pleasant to confer with. A large variety of information was provided, both electronically and verbal, with easy to understand explanations. At no time did I feel pressure to select any specific option presented. I would highly recommend BSD for anyone seeking guidance relating to Medicare and/or supplemental insurance options and processes.
★★★★★
Chris was very knowledgeable and prompt with helping us find new home insurance , it keeps rising. I have complete confidence in benefit solutions. Tamela takes her time and cares about each client. I am so grateful for them. Sincerely, Nancy
★★★★★
I am sending this as an antidotal story to convey how much your team is appreciated. I hope to hear at some point that the insurance companies return to their senses.
As you recall, my initial enrollment was November 2025. I enrolled with CIGNA for my Medicare Prescription Drug Plan. As open enrollment approached, I learned that CIGNA would increase their premiums significantly. Consequently, I set out to enroll in the Humana plan for 2026.
During open enrollment (AEP), I did an over-the-phone enrollment with a Humana representative. Subsequently, I received an Enrollment Kit in the mail. I completed the enrollment kit and returned it to Humana during the open enrollment period (prior to 12/07).
I did not hear from Humana for more than two weeks, so I called to follow up. Humana confirmed the receipt of my Enrollment Kit and I was assured that everything was processing and my plan would be in place by January 1.
January 1 arrived without any further communication from Humana. I called Humana to inquire about the status. After an extended call, I was assured my plan was in place and my card should arrive in the mail within days. In the interim, the representative assisted in establishing an online account so that I could obtain proof of insurance to present to my pharmacy.
Oddly, after that January call I received by mail two pieces of correspondence from Humana. One letter dated December 17, confirming receipt of my enrollment kit, and the second letter dated December 27, stating my plan was in place pending approval from Medicare. All of this left me confused and concerned.
On January 5, CIGNA made an EFT from my checking account for their plan coverage. I logged on to the Medicare website and found that CIGNA was still listed as my provider. I made another call to Humana; once again I was assured my plan was in place, my Humana card would arrive, and the Medicare website would be updated.
In the meantime, I proceeded to have prescriptions filled at the pharmacy using the Humana proof of coverage. Checking the Humana website, it indicated the claims were being processed.
January 10, my Humana card arrived in the mail. However, I logged on to the Medicare website, and it still listed CIGNA as my provider.
January 12, I had an extended (2-1/2 hour) call with Humana. After being passed from one representative to another, I received bad news. I learned that due to "human error," Humana had incorrectly processed my enrollment as an IEP, not an AEP. Consequently, my enrollment was denied. Furthermore, because it was so far beyond the annual enrollment period, there was nothing Humana could do to help resolve the issue. It was suggested that I call CMS to request a SEP enrollment.
January 13, I contacted Medicare and I was granted a SEP enrollment to Humana. My plan will become effective February 1; I am praying this works out.
So, please know that your team is much appreciated. By the way, I let Humana know that this never would have happened if Benefit Solutions had been involved. Shame on Humana for taking you out of the process.