Physicians' Benefits Trust Life Insurance Company is a wholly owned subsidiary of ISMIE Mutual Insurance Company

The PBT Advantage


A broad selection of health plans and other valuable insurance solutions offering uncompromising quality, flexibility and value.

Physicians' Benefits Trust Life Insurance Company (PBTLIC) offers comprehensive and cost-efficient insurance plans, including health, Medicare supplement, dental, life, disability, and more that are designed exclusively to meet the needs of physicians, their families and employees. Our programs can be customized to suit your individual needs and the needs of your group practice. The health, dental and Medicare supplement plans are offered through the PBT - a wholly owned subsidiary of ISMIE Mutual Insurance Company.


PBT is sponsored by, and offered exclusively to, members of the Illinois State Medical Society and the Chicago Medical Society, as well as their employees and dependents. In addition, several Illinois county medical societies co-sponsor the PBT Health Care Plans. The physician leadership of PBT is among the most qualified to know physicians' insurance needs, hence our motto: Designed for Physicians, by Physicians.

Click on the appropriate coverage options for Individual coverage or Group coverage and discover why our programs have attracted the participation and co-sponsorship of so many physicians and county medical societies across Illinois.

If you are currently participating or want to enroll in the PBT Hospital Program for staff physicians and their employees and need enrollment forms (either for yourself and/or employees) please contact your group administrator, broker or call PBT at 800-621-0748, press Option #2. They will provide the appropriate application material.


 

Health Care Reform

The Patient Protection and Affordable Care Act of 2010 (PPACA) was signed into law on March 23, 2010. PPACA will continue to have a significant impact on employer-sponsored Group health plans and Individual/family insurance coverage.

PBT wants you to keep you informed about any impact health care reform has or will have on your health care coverage. To assist you in that understanding we have prepared the following summaries of PBT plan benefit changes that have occurred since passage of the law:

New benefits became effective January 1, 2011.



 

Insurance Solutions for Individuals and their Families

Attention: Members enrolled in PBT's Preferred HSA - Qualified High Deductible Plan or PBT's Value HSA- Qualified Plan: For information on this year's Individual and Family contribution limits, please click here.



 

Insurance Solutions for Employer Groups

Attention: Members enrolled in PBT's Preferred HSA - Qualified High Deductible Plan or PBT's Value HSA- Qualified Plan: For information on this year's Individual and Family contribution limits, please click here.



 

Claims Customer Service

PBT recognizes that quality claims administration is a critical component to the success and customer satisfaction of any insurance benefits program. You can count on experience, professionalism and commitment to service and flexibility.