Individual Benefits Group
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The Menk Agency has helped individuals, families, retirees, and employees navigate some of the most important health insurance decisions of their lives. While our name is rebranded, our commitment to personalized service, expert guidance, and long-term relationships remains exactly the same. Because our mission has evolved beyond serving individuals alone. Every day, we help employees, employers,
Health insurance questions rarely have one-size-fits-all answers.
That's why we've simplified our referral process. Our online intake allows us to gather the right information upfront so we can spend less time collecting details and more time providing meaningful guidance.
Whether someone is transitioning to Medicare, losing employer coverage, exploring ACA options, or simply needs a second opinion, we take the time to understand their situation and provide clear, unbiased recommendations.
If you have a client who could benefit from an independent review, you can refer them here:
One thing we've noticed... Benefits brokers are expected to have an answer for almost everything.
But when an employee turns 65, retires early, loses coverage, or needs to compare COBRA with the Marketplace, those conversations become incredibly specialized.
That's why we built IBG.
Not to replace the broker, but to become a trusted extension of their team.
We help clients navigate life's health insurance transitions while brokers stay focused on what they do best. The relationship always stays with the broker.
We believe the best partnerships aren't about taking business. They're about helping people when they need it most.
If you're a benefits broker, I'd love to connect and show you what we're building.
[email protected] (706) 394-0786
06/24/2026
WHAT CHANGED?
Sharing a powerful visual on how to handle certain life transitions.
Most people don't shop for health insurance because they want to.
They do it because life changed.
👶 Had a baby
💼 Started a new job
📦 Lost coverage
💍 Got married
💔 Got divorced
🎂 Turned 65
🏖 Retired
🚚 Moved
🎉 Child turned 26
The good news? Many of these life events may create opportunities to review or change your health coverage.
The challenge is knowing what options are available and when deadlines apply.
At IBG, we help individuals and families navigate these transitions and make informed decisions about their healthcare coverage.
Because health insurance isn't just about plans.
It's about helping people through life's biggest transitions.
What changed for you recently?
06/19/2026
ONE OF THE MOST IMPORTANT IMAGES AND STATISTICS FOR MEDICARE.
Most group benefits brokers are sitting on a hidden risk they don't even realize they have.
67 million Americans are enrolled in Medicare.
More than 10 million of them are still working.
And millions are covered under an employer-sponsored health plan while also navigating Medicare eligibility.
That's where things get complicated.
Questions like:
• Should they enroll in Part A?
• Can they contribute to an HSA?
• When should they take Part B?
• What happens when they retire?
• How do spouse and dependent coverages change?
• Are they overpaying by staying on the group plan?
These aren't questions most HR teams are equipped to answer every day.
They're also questions that can create confusion, frustration, and costly mistakes for employees.
For group benefits brokers, this represents an opportunity.
Not to replace the group plan.
Not to move people off coverage.
But to provide a clear transition strategy when employees become Medicare eligible.
The workforce is aging. More employees are working past 65 than ever before.
The brokers who understand how employer benefits and Medicare work together will be better positioned to support employers, HR teams, and employees through one of the most important benefit decisions they'll make.
The graphic below illustrates the size of that opportunity.
What challenges are you seeing with Medicare-eligible employees on group plans?
What’s Changed?
Your health insurance premium went up.
Maybe your deductible increased. Maybe your copays look different. Maybe you’re paying more for the same coverage you had last year.
If you’ve found yourself asking, “Why is this so expensive?” you’re not alone.
But before assuming there’s nothing you can do, ask yourself:
What’s changed?
Your income may have shifted. Your employer’s benefits may have been updated. New plans may be available in your area. Prescription needs can impact the best coverage choice. Even life events like retirement or Medicare eligibility can open new options.
The plan that worked for you last year isn’t always the best fit today.
If healthcare costs have increased, it may be time to review your coverage and make sure you’re getting the most value for what you’re paying.
Because the question isn’t just, “Why did my costs go up?”
It’s “What’s changed?”
What’s Changed? Medicare Edition
You turned 65… but you’re still working.
Or maybe your spouse is still working, and you’ve stayed on the group health plan because it felt easier.
But here’s the question:
Has something changed?
Retirement plans shift. Employer benefits evolve. Prescription needs increase. Premiums rise. Sometimes the coverage that made sense at 65 isn’t the best fit at 67, 70, or beyond.
Many Medicare-eligible individuals miss opportunities to review their options simply because they assume they have to stay where they are.
The truth? You may have choices.
If you’re approaching retirement, delaying Medicare because of employer coverage, or wondering whether your current plan still fits your needs, it may be time for a conversation.
Because the question isn’t just, “Am I covered?”
It’s “Has something changed?”
06/09/2026
What Changed? 🤔🩺
Life doesn't stand still and neither does your health insurance. In this new IBG video mini-series, we're answering one important question: **"What changed?"**
From job changes and new babies to moves and Medicare transitions, we'll explain the life events that may qualify you for a Special Enrollment Period (SEP) in quick, easy-to-understand videos.
Because sometimes one change can open the door to the coverage you need.
Follow along for short answers, real-life examples, and practical guidance.
Click here to claim your Sponsored Listing.
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Telephone
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Address
621 High Hampton Drive
Augusta, GA
30907
Opening Hours
| Monday | 9am - 6pm |
| Tuesday | 9am - 6pm |
| Wednesday | 9am - 6pm |
| Thursday | 9am - 6pm |
| Friday | 9am - 6pm |
