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 »

Don’t Wait Until It’s Too Late!

While most people don’t consider life insurance until later, the best time to buy it is early on. Life Insurance can be confusing, and it’s hard to know what you really need or want. But there are three very good reasons why you need life insurance. Read More »

No Surprises Act Notice

As of January 1, 2022, participant and dependents have new billing protections when getting emergency care, non-emergency care from out-of-network providers at in-network facilities, and air ambulance services from out-of-network providers. Read More »

Take Advantage of Aflac’s Plans Today

The Insurance and Benefits Trust of PORAC (IBT) sponsors specialized supplemental insurance plans through Aflac, providing members with access to coverage such as Accident Advantage, Cancer Protection Assurance, Aflac Hospital Choice, and Critical Care Protection. Read More »

Seven Tips to Reduce Auto Insurance

People across the nation are getting a shock when they open up their annual auto or home insurance renewal letters – rates are going up. Some are seeing modest increases while others are seeing a significant jump in rates. Premiums are going up even if you haven’t had an accident, moving violation or claim. Read More »