Self Funding / Level Funding / Reinsurance

• We are experts in the self-funding / self-insurance market space. We work with large employers who are looking for creative plan designs and funding options that give them control over their costs and benefit plan designs. Employers choose self-insurance as an option for many reasons, some of the most common reasons include:
• The employer can customize their plan to meet the specific health care needs of its workforce, as opposed to purchasing a 'one-size-fits-all' insurance policy.
• The employer can maintain control over their cash flow, enabling maximization of interest income - income that would be otherwise generated by an insurance carrier through the investment of premium dollars.
• The employer is not subject to conflicting state health insurance regulations/benefit mandates, as self-insured health plans are regulated under federal law (ERISA).
• The employer is not subject to state health insurance premium taxes, which are generally 2-3 percent of the premium's dollar value.
• The employer is free to contract with the providers or provider network best suited to meet the health care needs of its employees.

For additional information on self-funding or level funding products please reach out to one of our experts at (559) 275-7706 ext 102 or via email at patty@pbtbenefits.com.

Dental and Vision Insurance

Professional Benefits Team Inc has earned a reputation for offering value-driven dental and vision insurance plans, all while providing exceptional customer support. Discover the full range of insurance packages available to you at our brokerage. Give us a call at (559) 275-7706 to book a consultation with one of our expert insurance consultants.

Life and AD&D Insurance

Are you aware of the financial risks you, your employees and their families can face in the event of death? Life insurance provides the ability to safeguard your family when you're gone. It protects your employees families future, covering expenses such as medical bills, funeral costs, debts, mortgage payments, and tuition to name a few. Accidental death & dismemberment insurance provides financial compensation for your family in the event of accidental death or severe injury, including loss of speech, hearing, or limbs. Our agency offers a full range of coverage options to suit a broad array of needs and budgets. We can provide Life and AD&D insurance as a stand-alone policy, or as a supplementary coverage to enhance an existing plan.

Long-Term Care Insurance

Long-term care insurance protects those with caregiving needs from unnecessary financial burdens.

At Professional Benefits Team Inc, we provide comprehensive insurance packages to help people secure a better quality of life. We deliver personalized solutions that are fair and affordable, and we ensure every individual receives the care they need and deserve.

Disability Insurance

Professional Benefits Team Inc is the trusted source for complete short-term and long-term disability insurance plans. We offer individuals and businesses alike a full spectrum of coverage options that cater to varying needs and budgets.

Speak with one of our experts today. Contact us now at (559) 275-7706 to inquire.