Health Benefits Pool Plan Features

Financial Advantages of the FBA Pool Program

           • Trust Takes on Risk
           • Bank Not Required to Maintain Reserve
           • No Premium Taxes
           • No ACA Insurer Fees
           • No Profit Margins
           • Greater Plan Flexibility
           • Risk Sharing Aspect - PROTECTS during unfortunate claim years, and REWARDS during good claim years

Administrative Advantages Included at NO COST

           • Web-based Administration
           • Employee & HR Benefits Portal
           • Call Center
           • Consolidated Billing
           • Full Service COBRA
           • ACA Compliance
           •Plan Compliance
           • Wellness Program
           • HR360 - an HR Information Library


The Florida Bankers Insurance Trust has partnered with Florida Blue to offer best in class coverage for our member banks. Florida Blue is the oldest and largest health plan insurer in the State of Florida. It provides health insurance to over 4 million Floridians. Florida Blue was founded in 1944 and operates as a not-for-profit mutual insurance company. We offer HMO, PPO and HSA plan options. Teladoc, a new partner, is part of our plan offering at no additional cost to the employee in most plans.

Dental & Vision

Dental and Vision programs offered through our partnership with MetLife. We offer 4 PPO and 1 DHMO dental plans and 1 vision plan

Life & Disability

Life and Disability programs offered through our partnership with Mutual of Omaha. Plan benefits are at the Pool level offering higher Guarantee Issue amounts that are not typically available on a stand-alone basis for smaller companies.

Voluntary Programs

Allstate Worksite Benefits (works well with HSA plan), LifeLock Identity Theft, MetLaw, and EAP program are designed for the banks in the pool.