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IBT Consulting wants to make sure you have all the information you need to make smart decisions about your health insurance and overall wellness. Unless you’re immersed in this world every day, staying up to date on the industry can be a challenge.Never fear. IBT Consulting is doing the research for you. Just keep an eye on this page for the latest information on healthcare, insurance, and overall wellness for you and your family. Because at IBT we truly believe that Education is Your Solution.
Using Telemedicine for Your Employees
Telemedicine has become increasingly popular since the outbreak of the COVID-19 pandemic. Telemedicine involves the use of technology to deliver medical care remotely, allowing patients to receive medical advice and treatment from the comfort of their own homes. It’s...
An Overview of Self-Funded Health Plans
Healthcare costs continue to rise every year, leaving many individuals and employers searching for ways to reduce their expenses. One option gaining in popularity recently is a self-funded health plan. In this blog, we will discuss what self-funded health plans are,...
How the Affordable Care Act Affects Large Employers
The Affordable Care Act (ACA), also known as Obamacare, is a landmark healthcare reform signed into law in March 2010. One of the key provisions of the ACA is large employers are required to provide affordable health insurance coverage to their employees or face...
Benefits of a Level Funded Health Plan
A level funded health plan is a type of health insurance that combines features of both traditional insurance and self-insured plans. In a level funded health plan, the employer pays a fixed monthly premium, similar to a traditional insurance plan, but also sets aside...
How Self-Funded Health Plans Help Small Employers
Small employers face a number of challenges when it comes to providing health insurance to their employees. Rising healthcare costs and limited resources make it difficult for small businesses to offer comprehensive health benefits while still remaining competitive....
You Can’t Pay Less for Healthcare Unless You Pay Less for Healthcare
As impossible as this claim may sound, ask yourself a few questions. How do current health plans allow members to pay less for services? Have your employees paid cash for a service or prescription drug (Rx) and found that the cash pay price is lower than using your...
You Can’t Get Through This Life Alone
The following is an interview with Tammera Hollerich, IBT Consulting’s CEO and Executive Consultant, by Paul Wilson of Benefits Pro magazine in collaboration with NAHU's Vanguard Council.. TAMMERA HOLLERICH is the CEO and founder of Mirus3, which provides health and...
Long-Term Care Insurance
What is Long-term Care Insurance? It is designed to help pay for long-term medical and non-medical services that would otherwise be paid out-of-pocket. Some policies cover nursing home care, while others include coverage for an entire range of services such as care in...
The Advantages of Self-funding
Importance of Claims Analysis In today’s business climate, managers need benefits solutions as resourceful and cutting-edge as the organizations they run. For many employers, pre-packaged full insurance health plans do not provide the greatest value to their...
Why Are Health Care Costs Rising?
Health care costs, and consequently employee health benefit costs, have been growing at an alarming rate in recent years. Total health insurance costs for employers could reach nearly $850 billion by 2019. Why are costs rising so high, so fast? National Health Care...
Cash Pay vs Insurance
Did you know that sometimes is WAY cheaper to pay by cash rather than your insurance card? Tammera explains more for you in this video.
Traditional vs Technology Backed Brokers (Quick Video Version)
What are some of the advantages of using a Technology-Backed Broker like Insurance & Benefits team vs. a Traditional Broker in an era where compliance is everything? There's a lot. Check out what Tammera has to say. Click here for more details on the difference...
Texas Senate Bill 51
Tammera is back again with some details on Texas Senate Bill 51 and why it is important to remember as an employer at the end of the month!
Traditional vs. Technology- Backed Health Insurance Brokers
ConAre your benefits the best they can be?Traditionally, insurance brokers have only focused on offering insurance guidance, which includes tasks like quoting plans, negotiating renewals, comparing plans and submitting applications. Over the past few years, though,...
Health Reimbursement Accounts: Know Your Options
Everyone dislikes feeling cheated out of a better deal. More and more employers are offering consumer-driven health care options, but too often they aren’t explaining them to employees. So few employees take advantage of the opportunities presented. This is most...
