Group Health Benefits Program:

PBT provides you and your employees a wide choice of coverage options within three plan types—

• Preferred Provider Option (PPO)
• Preferred Choice Indemnity
• Health Savings Account (HSA)-Qualified High Deductible Plans

This affords Group Practices with ultimate flexibility in designing an employee benefits package that best suits the needs of its practice and each covered employee.

Flexible Options:

• You have the option of paying the entire cost, or sharing the cost with your employees.
• Aside from the PBT Group Privilege option under the PPO plan, there are no minimum participation requirements—PBT will insure all or just a portion of your group practice.
• Each participant may select his or her own deductible (maximum three per group).
• You may offer a combination of all three plans to your employees on an individually selected basis.

Important Benefits of Any PBT Health Plan:

• Free and unrestricted choice of doctors and hospitals.
• No pre-certification or second opinion requirements (except for organ transplants).
• Coverage is guaranteed renewable.
• Premium is guaranteed for the first full year.*
• All plans include $10,000 Group Term Life Coverage with Accidental Death and Dismemberment benefits for the primary insured.

NEW! The PBT Group Privilege Plan:

The PBT Group Privilege Plan is GUARANTEED to your group of 10 or more employees! Advantages include:

• Greater affordability with cost savings
• No medical underwriting requirements
• Available to groups of 10 or more full-time, eligible employees
• Requires 75% or more participation
• Available only on PPO Plans

View the PBT Group Privilege Plan Flyer for a complete description.

Summary information on the three plan types is available in the Group Health Benefits Program Brochure. For Important Information Concerning the 2009 Deductible for Health Savings Account (HSA) Qualified High Deductible Health Plans, click here. To request a quote for your practice, please print, complete and fax the Group Health Benefits Request for Quote Form to 312.922.2849 and a sales representative will contact you within 24 hours.

For more information on the plan or to apply for coverage, please call 1.800.621.0748.

PBT also offers a number of additional Life and Health Insurance Plans. For more information on these options, click here.

*Your rate may change if you move into a new age bracket during the first year of your coverage.