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How We Work For YOU


The IBA Group Insurance Trust is simply an outstanding choice for your benefit needs.

Do you know why?

YOU  Have One Powerful Voice 

The IBA Group Insurance Trust comprises a buying force of over 6,000 plan participants. This negotiating power keeps your costs down, while bringing you more plan options, flexibility and high quality service. It is your Advocate in the challenging world of healthcare.
 

YOU  Choose from Flexible Plan Designs 

The IBA Group Insurance Trust plans do not have to accommodate all companies in all states. Instead, they are designed specifically for members of the Indiana Bankers Association. Therefore, you get the flexibility you need at affordable prices. You have access to a full range of plan choices, including comprehensive medical plans, PPO Plans, High Deductible Health Plans (HDHP) and Health Savings Accounts (HSA).

YOU  Have Access to Quality Providers 

By partnering with Anthem Blue Cross Blue Shield, the IBA Group Insurance Trust gives you access to the best doctors and hospitals, which offer our members the deepest discounts of any network in Indiana.

YOU  Enjoy Stable Rates 

As a single employer, it only takes a few high claims to negatively impact your claims experience and drastically raise your rates. By pooling membership, the IBA Group Insurance Trust is able to mitigate the rate swings created by ever changing claims experience. In addition, it uses its assets to lower rates even further and lessen the impact of spikes in medical inflation. You should know that since 2004, the IBA Group Insurance Trust has returned over $13.8 million to its members in the form of premium credits. Can other plans say that?

YOU  Benefit from Surplus Premiums - Not the Insurance Company

The Trust's funding arrangement is truly unique. If claims come in lower than the premium, the surplus is passed back to the IBA Group Insurance Trust - and back to you in the form of lower premiums. If claims come in higher than the premium, your liability is limited to just your premium – the insurance company pays the difference.

YOU  Feel Right at Home 

The IBA Group Insurance Trust is made up of members of the Indiana Bankers Association. All of the Trustees that manage the Trust are CEOs from its membership. Their decisions are based solely on your best interests. We know your needs better than anyone else because we are one of you.

YOU  Make a Difference

The IBA Group Insurance Trust was created for you. You have a say in how it operates and the services it provides. Do you think other plans listen this closely to their customers?

For information, including a list of Trustees, visit the ABOUT section of this web site.

For a detailed explanation of how the IBA Group Insurance Trust operates, visit Trust 101.