Individual Benefits Group highlights that when employers replace traditional group coverage with a CHOICE Arrangement, Medicare-eligible employees may need to transition to Medicare rather than an individual ACA plan.

Group benefits brokers are exceptional at what they do — but individual benefits, Medicare, and life-event transitions are a different discipline. The regulations are different, the timelines are different, and the stakes for getting it wrong are different. Most brokers refer this work out and lose the client relationship. Most employers leave employees to figure it out on their own. The result: employees make costly mistakes, plans absorb high-cost claims that could have been avoided, and brokers watch revenue walk out the door. IBG was built to solve that problem — by operating as a specialized, white-label extension of the brokers and employers we work with. We handle the complexity. They keep the relationship.