Individual Health Benefits Program:

PBT provides you and your family members 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 you with ultimate flexibility in choosing an insurance package that best suits your individual and family needs. And as an ISMS or CMS member, you can enjoy the same level of benefits and value from the PBT Individual Health Benefits Program that you might expect with group coverage.

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.

Summary information on the three plan types is available in the Individual 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, please print, complete and fax the Individual 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 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.