Innovative Benefit Solutions
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Group Benefit Services: Strong is Customer Service. Grounded in Experience.
Individual Benefit Services
Health Insurance
Ancillary Insurance
CDHP’s: HSA’s,
HRA’s, FSA’s
HR/OD Consultation
401K/Pension Plans
Business/Company
Liability Insurance
Voluntary Benefits
What is Employer Sponsored Health Insurance and how do I know which program is right for me?
Employer sponsored health insurance provides coverage for employees and, their dependents that pays a portion of the total cost for medically related expenses, such as doctor visits, hospital stays, prescription medication, vision and durable medical equipment. Each summary plan description contains what the plan covers. Employers offering health coverage may offer group health insurance or individual health coverage. Long Term Health Care is also a sponsored plan that may be offered.

There are several types of health insurance products ranging from restrictive
networks and rules, to complete freedom of choice in how the employee
uses the benefits, and various types in between. Some of these coverage’s are HMO’s, POS’s, PPO’s, Traditional and Major Medical. Innovative Benefit Solutions does no work with only one specific health insurance company rather we work with most of the key insurers, in the industry, through-out the United States. This allows IBS to compare products and price to assure the product fits you and also at the appropriate premium level.

The world of health insurance is complex, confusing, and a lot of paper work. Products are changing often and legislation continues to shape the industry and their products. We at Innovative Benefit Solutions are experts with health insurance products. By listening and understanding what your goals are, we will provide just the right coverage for you and your employees. Let us guide you through the "world of insurance". We will be with you every step of the way. "Our Integrity Is Your Best Policy."

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