Employee Benefits, Administrative Services, & Compliance Services EMPLOYEE BENEFITSMedical BenefitsThe cost of providing medical insurance has become a primary concern for companies, and the issue of managing costs is now at the forefront of annual budgets. IBA offers innovative solutions to develop strategic, customized, and comprehensive medical benefits programs for all financial requirements.These include:Traditional HMOs and PPOsHigh-deductible plans with a Flex Spending Account (FSA), Healthcare Savings Account (HSA), and/or Healthcare Reimbursement Arrangement (HRA)Section 125 and Premium Conversion PlansSelf-funded & partially self-funded plansAs IBA has top tier medical insurers as strategic partners, our clients can benefit from competitive premiums and a broad spectrum of policy options.Ancillary & Voluntary BenefitsIn today's workforce, success in the competition for qualified employees can hinge upon any number of minute factors. To provide your company with that advantage which makes it unique, IBA is proud to have top tier strategic partners who offer these ancillary benefits: DentalVisionLifeShort term disabilityLong term disabilityAccident, critical illness, & cancer cost mitigationComprehensive identity theft protectionOur strategic partnerships afford companies competitive premium options and plan design alternatives. Companies can select options that meet their employees needs and improve the value of the benefits programs. ADMINISTRATIVE SERVICESIBA offers administrative services for our Group Benefits Services' clients directly from its headquarters in Danvers, Massachusetts. This includes benefits administration, billing reconciliation and a full complement of HIPAA-ERISA-COBRA-FMLA-FSA-HSA-HRA administration though our top tier strategic partner.IBA provides our clients with ongoing Compliance Services by monitoring of legislation, both federal and with all state through two legislative compliance tool to whom we subscribe.Retaining IBA, a privately owned financial services, human resources, and group benefits firm, is a decision that can provide positive results for years to come. We invite you to discover the difference personal attention can make.