IBG Business Solutions

Your Fractional Medicare & Individual Benefits Department.

Expand your benefits capabilities, strengthen employer relationships, and support employees through complex coverage transitions without adding permanent internal headcount.

Request a Partnership Proposal

For brokers, employers & HR teams

A specialized answer for the cases that sit beside the group plan.

Medicare, ACA, COBRA, retirement, and individual-market cases often require more specialized attention than a conventional group-benefits workflow can provide.

Employee-benefits brokers

Insurance agencies

Employers & HR departments

Benefits consultants

Core services

Support where individual coverage and employee benefits meet.

Fractional Medicare & Individual Benefits Services

Add specialized Medicare education, transition planning, eligibility review, and employee guidance without building a separate internal department.

Medicare transition planning and education
Eligibility and timing review
Employee guidance through individual coverage questions
Broker-aligned workflow and communication

ACA & COBRA Solutions

Give employees a practical resource when employer-sponsored coverage changes, ends, or needs to be compared with an individual-market alternative.

COBRA-alternative conversations
ACA Marketplace transition support
Retirement and loss-of-coverage guidance
Coverage-timing and documentation considerations

Benefits Cost Containment

Identify appropriate coverage opportunities that may reduce employer benefit expenditures while considering employee needs, eligibility, and coverage trade-offs.

Census-based opportunity review
Medicare-eligible employee transition support
Individual-market opportunity identification
Documented trade-off and process conversations

Broker Partnership Support

Provide specialized resources that help existing brokers strengthen employer relationships and maintain continuity through complicated benefits transitions.

Broker-led employer relationships remain protected
Specialty support for individual cases
Practical employee and employer communication
No competing group-benefits brokerage positioning

The operating model

Broker → Employer → Employee → IBG Specialized Services

The broker introduces IBG as a specialized benefits-services partner.

The employer adds the service to its benefits offering.

IBG provides contracted Medicare, ACA, and coverage-transition services.

The broker maintains the existing group relationship.

IBG may receive permitted commissions on eligible individual insurance enrollments, subject to applicable requirements.

Partnership & pricing

A proposal built around the population, scope, and service model.

Business Solutions is designed as an employer-funded, broker-distributed PEPM bolt-on service. Scope reflects the agreed employee census, services, implementation needs, and contract terms.

Rather than publishing a one-size-fits-all price, IBG begins with a practical working session to define the opportunity and service requirements.

Request a Partnership Proposal

A straightforward process

Discovery

Clarify the business objective, audience, and operating context.

Census Review

Review the agreed population and transition opportunities.

Service Proposal

Define the scope, PEPM structure, and partnership terms.

Implementation

Launch the agreed service workflow with the broker relationship protected.