Police and Fire Health Plan 2023 Rates Comparison

CalPERS Open Enrollment Runs from September 19 Through October 14 The 2023 rates for the Police and Fire Health Plan sponsored by the Insurance and Benefits Trust of PORAC, were finalized in June. Our rates are some of the lowest rates available to our members and, in some cases, lower than some HMO plans! The […] Read More »

CalPERS Open Enrollement Schedueling Tool

The CalPERS Open Enrollment Scheduling Tool is live as of July 25, 2022. Visit to learn more. Key dates regarding the CalPERS Open Enrollment Scheduling Tool are as follows: July 25 to August 26: Open Enrollment Scheduling Tool Request Form Open September 6 to October 14: Available dates for onsite and/or virtual Open Enrollment […] Read More »

Understanding and Knowing Your MOUs

Memorandums of Understanding (MOUs) have long been used by Law enforcement associations to negotiate terms between employers and associations, and are a useful tool to develop a trusting business relationship. MOUs record the terms and establish a basic intention between the parties in creating a business relationship and providing a common intention, reducing the risk […] Read More »

Police and Fire Health Plan Update

The Insurance and Benefits Trust of PORAC Health Plan completed its first quarter under the new Anthem Blue Cross Joint Administrative Agreement (JAA) and is continuing to process claims in-house with no delays. Under the JAA arrangement, all claims processing is now being done in-house, as of January 1. Processing claims in-house will ensure a […] Read More »

Vision Health

Vision health is an important aspect of your overall health, and it’s particularly important if you are spending a lot of time in front of your electronic devices! If you are spending too much time staring at a blue screen, it can cause serious eye strain. When you spend too much time looking at your […] Read More »

Save the Date: CalPERS 2022 Open Enrollment

The 2022 CalPERS open enrollment period for adding, changing or terminating Health insurance benefits will run from September 19, 2022 through October 14, 2022. 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, 2023. Please review IBT’s Health, Dental […] Read More »