Transforming the Way Employers Manage
the Healthcare Spend
We’re fiduciary partners — not brokers. No hidden commissions. No carrier bonuses.
Just transparent, measurable results that protect your people and your profit.
We Don’t Sell Plans.
We Create the Competitive Advantage to Meet Your Company’s Strategic Goals.
With over 30 years of experience in fiduciary benefits consulting, we help employers achieve sustainable cost containment and better outcomes for their teams. Partner with us for transparency, integrity, and measurable results.
Start Managing Your Healthcare Spend. Schedule a 15-Minute Consultation
Who Is Our Client
Our clients are forward-thinking employers, CFOs, and HR professionals ready to take control of their healthcare spend. They value transparency, accountability, and strategies that improve both financial outcomes and employee wellbeing.
“We partner with leaders ready to make healthcare work again — for the company and the people behind it.”
Fiduciary Responsibility — What It Is and Why It Matters
Fiduciary responsibility means acting solely in the client’s best interest. At IBT Consulting, it’s more than a principle — it’s our promise.
Alignment of Interests
Our success depends on your success.
Transparency
No hidden commissions or carrier incentives.
Accountability
Our success depends on your success.
Alignment of Interests
Our success depends on your success.
Legacy Broker vs. Fiduciary Consultant vs. Agent
Not all advisors are created equal. The difference defines whose interests are protected — yours or the carrier’s.
| Role | Who They Work For | How They’re Paid | Impact on Employers |
|---|---|---|---|
| Legacy Broker | The insurance carrier | Hidden commissions, retention bonuses, overrides | Profits rise when your costs do — your pain is their gain. |
| Agent | Carrier or general agency | Commission for policy placement | Focused on selling products, not performance. |
| Fiduciary Consultant (IBT) | You — the employer | Transparent, fee-based, or performance-tied | Legally and ethically bound to act in your best interest. |
“Legacy brokers sell insurance. IBT Consulting builds strategy.”
Legacy Broker vs. Fiduciary Consultant vs. Agent
Not all advisors are created equal. The difference defines whose interests are protected — yours or the carrier’s.
Legacy Broker
Who They Work For The insurance carrier How They’re Paid Hidden commissions, retention bonuses, overrides Impact On Employers Profits rise when your costs do — your pain is their gain. Agent
Who They Work For Carrier or general agency How They’re Paid Commission for policy placement Impact On Employers Focused on selling products, not performance. Fiduciary Consultant (IBT)
Who They Work For You — the employer How They’re Paid Transparent, fee-based, or performance-tied Impact On Employers Legally and ethically bound to act in your best interest “Legacy brokers sell insurance. IBT Consulting builds strategy.”
Get Your FREE Copy of Life & Death Decisions in the C‑Suite
Don’t settle for the status‑quo system that wastes billions and delivers sub‑optimal outcomes. This book (featuring Tammera Hollerich) shows executives how to realign incentives, demand transparency, and take back control of the healthcare spend.
- What fiduciary alignment looks like in practice
- How to audit hidden incentives and fees
- Executive playbook for PEPM reductions and member experience
Instant digital download; option to request a printed copy.
Now Available!
What if the real crisis in Healthcare isn’t only about rising costs but also the choices we make daily?
Root Cause: Health exposes the uncomfortable truth about how we have gotten our health wrong, and what it’s really costing us as families, communities, companies, and nations. She bridges the gap between personal wellness and corporate health care strategies, revealing how one feeds directly into the other.
Tammera shows the path to change isn’t found in another diet trend or a new insurance plan; it begins with understanding what’s on our plate. Drawing on her personal loss and lifelong mission to make wellness accessible and healthcare sustainable, she challenges readers to view health as both an individual responsibility and a financial imperative.
From the IBT Blog
The Most Expensive Employee Benefit Is the One Your Employees Don’t Understand
read more…For many employers, providing a competitive employee benefits package is a significant investment. Every year, organizations dedicate substantial resources to offering health insurance, wellness programs, and voluntary benefits designed to attract and retain top…
Why Paying More Doesn’t Mean Getting Better Benefits
read more…Every year, employers across America receive the same phone call: “Your health insurance renewal is increasing.” The percentage changes, but the conversation rarely does. Premiums go up. Budgets tighten. Employers adjust. Employees pay more. Then everyone…
Your Health Insurance Renewal Isn’t the Problem. Your Strategy Is.
read more…Every year, employers across the country brace themselves for the same conversation. The renewal arrives. Rates increase. Budgets tighten. Difficult decisions follow. Higher employee contributions. Increased deductibles. Reduced benefits. More frustration. For many…
Transparency. Integrity. Results. — The IBT Consulting difference.
