Real Benefit Solutions

What Real Benefit Solutions does

Real Benefit Solutions is a privately held, family-operated insurance brokerage headquartered in Pocatello, Idaho, with a secondary office in Blackfoot, serving individuals, families, small and mid-size employers, and Medicare beneficiaries across Eastern Idaho. The firm operates as a licensed intermediary across all major group medical carriers and offers a multi-line product portfolio: group health insurance (fully insured, buy-down, and self/level-funded), individual and family coverage with ACA subsidy support, Medicare Advantage/Supplement/Part D guidance, and ancillary lines including dental, vision, life, and disability. The company's revenue model is commission-based, paid by insurance carriers on placed policies, with no direct fee charged to clients for agent-assisted service.

The firm's underlying technology consists of a proprietary quoting and enrollment platform: a Group Quote Tool that supports census upload, plan filtering by metal level/carrier/deductible, and age-banded and composite rating; an Individual Quoting Tool linked to the Idaho exchange for real-time ACA subsidy calculation; a multi-step online enrollment system with electronic signature and compliance acknowledgments; a HIPAA-compliant secure file share; and a Custom Benefits Website builder that lets employers deliver ERISA-required documents, provider directories, and benefit information to employees. Supporting the core brokerage, the firm has launched Real Benefits Direct — a tiered PEPM program bundling Teladoc telemedicine, Health Advocate Solutions, ID Sanctuary identity protection, and Doctors Online — and resells the HR360 compliance library to employer clients. Distribution is primarily through licensed agents (Mark Semons, Trent Sutton, and the Semons family principals), with Medicare 101 seminars and an SEO-driven blog serving as top-of-funnel lead channels.

Name

Real Benefit Solutions

Legal name

Real Benefit Solutions

Website

https://realbenefitsolutions.org

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

11–50 employees

Short description

Real Benefit Solutions is a privately held, family-operated insurance brokerage in Eastern Idaho that places group health, individual/family, Medicare, dental, vision, life, and disability coverage through licensed agents and proprietary online quoting and enrollment tools.

Ownership category

akta.pro rank

Product category

Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Benefits Administration (BPACAPAC)

akta.pro secondary industry

Benefits Administration & Enrollment Support (BPAAAIAB)

Keywords

• Insurance brokerage services
• Group health insurance
• Individual health insurance
• Medicare supplement plans
• Employee benefits consulting

Headquarters

HQ city

Pocatello

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Insurance Brokerage Commissions: Real Benefit Solutions earns commissions from insurance carriers for placing group health, individual, dental, vision, life, disability, and Medicare insurance policies. They are licensed with all Group Medical Carriers and serve as intermediaries between insurance companies and customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Real Benefit Solutions is an Idaho-based insurance brokerage that places group health, individual and family, Medicare, dental, vision, life, and disability insurance policies through licensed agents and carrier partnerships. It earns commissions from insurers and supplements this with proprietary quoting, enrollment, and HR compliance tools, as well as a non-traditional benefit program called Real Benefits Direct.

Product overview

Real Benefit Solutions is an Idaho-based insurance brokerage offering a platform of insurance and benefits products organized around three core areas: Group Health Insurance (including fully insured, buy-down, and self/level-funded plans), Individual and Family Health Insurance (with ACA subsidy support), and Medicare Solutions (Medicare Advantage, Supplement, and Part D). The company provides a suite of add-on insurance products including Dental, Vision, Life, and Disability insurance through carrier partnerships (Delta Dental, VSP Vision, Ameritas, Blue Cross of Idaho, National General). Its proprietary non-traditional benefit program, Real Benefits Direct, bundles Teladoc telemedicine, Health Advocate Solutions, ID Sanctuary identity protection, and Doctors Online access in tiered pricing ($8–$17 PEPM). Supporting technology products include an online Group Quote Tool for employers under 50 employees, an Individual Quoting Tool linked to Idalink, a multi-step Online Enrollment System, a Custom Benefits Website builder for employers, the HR360 online HR library, and a HIPAA-compliant Secure File Share portal. The product portfolio works as a unified brokerage platform where the core insurance products are complemented by technology-enabled quoting, enrollment, and HR compliance tools.

Differentiator

Problem solved

Functional benefit

Brands

• Real Benefits Direct: Non-traditional benefit program offering telemedicine, health advocacy, identity protection, roadside assistance, and global travel assistance.
• HR360

Products and services

• Group Health Insurance Employer-sponsored group health insurance for businesses with under 50 full-time employees, including fully insured plans, buy-down plans, and self-funded or level-funded plans. Covers preventive care, doctor visits, hospital stays, prescription drugs, and mental health services.
• Individual and Family Health Insurance Personal health insurance coverage for individuals and families not receiving employer-sponsored coverage, including access to ACA subsidies, special enrollment period guidance, and personalized plan selection assistance.
• Medicare Solutions Medicare coverage guidance including Medicare Advantage, Medicare Supplement (Medigap), and Part D prescription drug plans, plus Medicare 101 seminars (in-person and online) for seniors turning age 65.
• Dental Insurance Group dental insurance providing coverage for routine cleanings, checkups, fillings, root canals, crowns, and orthodontic work, offered through Delta Dental and Ameritas as partner carriers.
• Vision Insurance Group vision insurance covering eye exams, glasses, contact lenses, and corrective eye surgery, offered through VSP Vision as a partner carrier.
• Life Insurance Group and voluntary life insurance providing basic coverage and options to purchase additional coverage at discounted rates, protecting employees' families in case of unexpected loss.
• Disability Insurance Short-term and long-term disability insurance replacing a portion of income if an employee cannot work due to illness or injury, providing low-cost paycheck protection.
• Real Benefits Direct Non-traditional benefit program offering telemedicine (Teladoc), healthcare advocacy (Health Advocate Solutions), identity protection (ID Sanctuary), online doctor access (Doctors Online), roadside assistance, and global travel assistance. Available in three tiers: Advantage Base Plan ($8 PEPM), Secure Advantage ($15 PEPM), and Advantage+ ($17 PEPM).
• Short-Term Health Insurance Temporary health insurance plans (up to 3 months) offered through Blue Cross of Idaho and National General for individuals between jobs, waiting for employer coverage, or outside enrollment periods. Covers emergency care, hospitalization, and basic doctor consultations.

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature3 records

Partnerships

Nine partnerships are on record, tiered core, primary, secondary and minor.

• TeladoccoreTechnology or IntegrationTeladoc provides 24/7 access to doctors by phone, online video, and mobile app. Offered as part of the Real Benefits Direct non-traditional benefit program. Includes treatment for common medical issues with U.S. board-certified doctors averaging 20 years experience.
• Health Advocate SolutionscoreTechnology or IntegrationHealthcare advocacy service helping clients navigate insurance and healthcare systems, untangle medical bills, locate doctors and specialists, clarify benefits, and coordinate care among multiple providers.
• Doctors Online (Instant Doctor)coreTechnology or Integration24/7 access to doctors, pharmacists, psychologists, dentists, and dieticians via email or smartphone app. Provides treatment options and health advice with responses within a few hours.
• HR360coreImplementation/ SI/ Consulting PartnerAward-winning online HR library providing comprehensive human resources and benefits content, tools, and forms. Includes compliance guides for ACA, COBRA, FMLA, job description builder, salary benchmarking tool, and over 700 downloadable forms.
• Blue Cross of IdahoprimaryChannel Partner/ Reseller/ DistributorPrimary health insurance carrier partner offering group and individual plans including short-term PPO options. One of the major carriers represented.
• AmeritassecondaryChannel Partner/ Reseller/ DistributorDental and vision insurance carrier partner available for individual plan enrollment through the company's quoting platform.
• Delta DentalsecondaryChannel Partner/ Reseller/ DistributorDental insurance carrier partner available through the company's quoting and enrollment platform.
• VSP VisionsecondaryChannel Partner/ Reseller/ DistributorVision insurance carrier partner available through the company's quoting and enrollment platform.
• National GeneralminorChannel Partner/ Reseller/ DistributorShort-term and disability insurance carrier partner available through the company's quoting platform.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• GoHealth: Technology-enabled Medicare-focused insurance broker that uses a digital lead-to-agent conversion model. Comparable because Real Benefit Solutions also emphasizes Medicare sales and agent-led conversion, but GoHealth operates at significantly larger scale via digital lead acquisition.
• SelectQuote: Direct-to-consumer insurance broker specializing in senior market life, Medicare, and health products. Comparable overlap on the Medicare and individual health segments where Real Benefit Solutions runs Medicare 101 seminars.
• eHealth: Online health insurance marketplace serving individuals, families, and Medicare beneficiaries with comparison and enrollment tools. Comparable on the individual/family and Medicare quoting flow that Real Benefit Solutions replicates locally.

Regional players

• Benefytt Technologies: Health insurance distributor and technology provider selling individual, Medicare, and small group plans primarily in the Southeast U.S. via call-center agents and lead-generation sites. Comparable distribution mechanics but different geographic concentration.

Broad incumbents

• Hub International: Large insurance brokerage serving commercial, personal, and employee benefits clients across North America. Comparable on the group health and benefits brokerage side but with vastly broader geographic reach and product breadth.
• USI Insurance Services: Major insurance brokerage and consulting firm serving commercial and personal lines customers. Comparable overlap in group benefits brokerage, property/casualty, and benefits administration for small/mid employers but operates nationally.
• OneDigital: Large national insurance and HR consulting firm serving mid-market and larger employers with group benefits, retirement, and benefits administration. Real Benefit Solutions competes for the same small-to-mid-size employer book but at much smaller scale and without the national infrastructure.
• CBIZ Benefits & Insurance Services: National benefits and insurance brokerage serving mid-market employers with group health, retirement, and HR consulting. Comparable segment focus on SMB/mid-market employers seeking benefits advice, but at meaningfully larger scale.

Direct peers

• Goosehead Insurance: Independent insurance agency franchise model combining local agents with corporate carrier access for personal and commercial lines. Comparable model structure but focused more on P&C than health/Medicare benefits.
• HealthMarkets: National independent health insurance agency that matches individuals, families, and small businesses with carriers for health, Medicare, dental and vision coverage. Directly analogous model to Real Benefit Solutions but operating across many states with a far larger captive agent network.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Real Benefit Solutions