Police and Fire Health Plan Rates Set for 2026
The Insurance and Benefits Trust of PORAC (IBT) Board of Trustees has finalized the 2026 health plan rates for the Police and Fire Health Plan, following a detailed review of the ongoing trends in healthcare costs. Over the past few years, the overall cost of medical services has continued to rise, impacting the health insurance […]
A Police & Fire Health Plan Overview
Health care is something that we all need to consider at some point in our lives. While none of us plans to fall ill or get injured, it’s crucial to be prepared for medical needs when they arise. This is especially true for first responders like police officers and firefighters, whose work exposes them to […]
Save the Date: CalPERS Open Enrollment
The CalPERS open enrollment period for adding, changing or terminating Health insurance benefits will run from September 15, 2025 through October 10, 2025. Simultaneously, the IBT’s Dental and Vision plans follow the same open enrollment period. Health, Dental and Vision plans have an effective date of January 1, 2026. Please review IBT’s Health, Dental and […]
Aflac Supplemental Insurance
Medical debt is a growing concern in the U.S., with an estimated $88 billion in outstanding medical bills impacting one in five Americans, according to the Consumer Financial Protection Bureau.1 For many, the financial burden of a medical emergency can be overwhelming, but there are ways to ease the strain. One valuable resource for PORAC […]
Standing By Those Who Serve
I attended the California Peace Officers’ Memorial this past month as I have for several years. The memorial serves as a reminder of the dangers we face in the law enforcement professions and gives a formal venue to honor those who have made the ultimate sacrifice for our communities. As we honor the fallen, we […]
Standing by Those Who Serve
Why PORAC Has Continually Trusted California Casualty Since 1969. When disaster strikes, our members need an insurance partner that stands by them every step of the way. In the wake of the devastating Southern California wildfires, California Casualty’s swift and compassionate response reaffirmed its commitment to those who dedicate their lives to serving others. A […]
Maintaining Your Dental Health
The Insurance and Benefits Trust of PORAC (IBT) offers comprehensive HMO and PPO dental coverage through Delta Dental to our retired members. Dental health is crucial to your overall well-being. Healthy teeth and gums are vital not only for maintaining a beautiful smile but also for ensuring overall health. Poor dental hygiene can lead to […]
IBT Sponsored Life and Accidental Death Insurance
It’s important that you periodically review your insurances to ensure you and your family’s needs are being met and protected. One often overlooked insurance is life insurance. Life insurance is designed to offer you peace of mind that your loved ones will be financially safeguarded should something happen to you. Life insurance provides a payout, […]
Maintaining Your Vision Health
The Insurance and Benefits Trust of PORAC (IBT) offers comprehensive vision coverage through VSP for retired members and active employees whose Association have opted into the IBT sponsored vision plan. Vision health is essential for maintaining a high quality of life. Your vision directly impacts all your daily activities such as reading, driving, and interacting […]
A Message from VSP: So-Cal Fires
At VSP Vision Care we want to do everything possible to help those affected by the fires in SoCal. We’re working directly with our network doctors, business partners, and relief agencies, including the American Red Cross, to assess the situation and fulfill the eye care needs of those directly affected. If the recent disaster has […]