What We Offer

Employee Benefits Services for Oregon Small Businesses

From designing your first benefits package to managing complex renewals, IBG provides the guidance and support Portland-area businesses need at every stage.

Group Health Insurance & Employee Benefits Options

We help you evaluate and implement the right mix of employee benefits to attract and retain great employees—while working within your budget.

  • Comprehensive health coverage is the foundation of most employee benefits packages. We analyze the Oregon market to find group health insurance plans that balance cost, coverage, and provider access for your team.

  • Association plans offer small businesses access to coverage options that may reduce premiums compared to traditional plans. We help you evaluate whether an association plan is the right fit for your business and guide you through your options.

  • For employees who don't qualify for group coverage or need alternative options, we can connect them with a specialist to help navigate individual health insurance plans that meet their needs.

  • Round out your benefits offering with dental and vision coverage that employees actually value and use.

  • Provide your employees with group life insurance options that offer financial protection for their families.

  • Protect your employees' income with disability coverage that provides support when they need it most.

  • Consider offering a private plan through a seasoned insurance carrier who has experience in claims processing, customer service and leave benefits.

  • Help employees maximize tax savings on healthcare and dependent care expenses with Flexible Spending Accounts and/or Limited Purpose Flexible Spending Accounts. We also assist with compliance such as POP plans and Wrap documents to keep your benefits plan in line with ERISA requirements.

  • HSAs offer tax-advantaged savings for employees enrolled in Qualified High Deductible Health Plans (HDHP).  We help you evaluate HSA-compatible plan designs and connect you with trusted third-party HSA administrators.

  • Individual Coverage Health Reimbursement Arrangements (ICHRA) and Qualified Small Employer Health Reimbursement Arrangements (QSEHRA) offer flexible alternatives to traditional group plans—especially valuable for businesses with diverse or remote workforce needs.

  • For the right business, self-funded or level-funded health plans can offer cost savings and greater flexibility. We help you evaluate whether alternative funding arrangements make sense for your company and guide you through the options.

Ongoing Employee Benefits Support & Strategy Services

  • We work with you to design an employee benefits package that supports your hiring goals, fits your budget, and reflects your company culture.

  • Each year, we analyze your census & current group health insurance plans against the broader market to ensure you're getting competitive rates and optimal coverage.

  • Stay on top of federal and state requirements with our compliance review and guidance. We help Oregon employers understand their obligations and avoid costly mistakes.

  • We conduct enrollment meetings—in person or virtual—to walk your employees through their options, answer questions, and ensure everyone understands their benefits.

  • Adding a new hire? Processing a life event change? We handle the administrative details so you don't have to.

  • When employees have billing issues or claims questions, we step in to help resolve them—so you're not stuck playing middleman with insurance carriers.

  • We help you communicate benefits information clearly, so employees understand and appreciate what you're offering.

Not Sure Which Employee Benefits Are Right for Your Business?

Every company is different. Let's talk about your situation and explore what group health insurance and benefits options make sense for your team and our budget

Request Your Consultation